Total Car Credit
Bad Credit, Bankruptcy, No Credit, Divorce,
First Time Buyer
Total Car Credit CAN HELP!
It is easy as 1,2,3!
1. It's Fast, Easy and Secure!
2. You'll find out within minutes if you qualify!
3. Simply fill out our form & leave the rest to us!
Thanks for visiting us. Forget about your credit history, we have! We believe everyone needs a second chance. Even if you need a third or fourth chance, we're here to help you!
The Top Reasons to GET STARTED TODAY:
- Many programs require NO MONEY DOWN!
- Choose from over 5,000 vehicles! Every make and model available! We can find you the vehicle you want.
- Whether you buy from us or not you'll walk away with valuable information to help rebuild your credit with your next vehicle purchase
- Reduce your interest rate every time you make 3 payments in a row with our exclusive Rate Reduction Program!
- We specialize in bad credit car loans. It's all we do!
- No matter what your credit situation we have the vast experience to assist you!
- We care! Thanks for visiting us today!
Total Car Credit Can Help You With Your Car Loan in Draper
Utah's fastest auto loan. Learn more below.
At Total Car Credit our ultimate objective is to provide individuals who have credit problems in the past with an opportunity to re-establish their credit through automotive financing. We strive to create long-term relationships with our customers and do whatever it takes to get you back on the road.
Open the door to you future good credit with Larry H. Miller Ford Lincoln Draper. We provide useful advice and a very aggressive approach that can help you achieve your credit goals.
We can put you in a new Ford, Lincoln or used car, with the best payment while helping rebuild your credit.
Total Car Credit makes the approval process easy with as little as $0 down and simple qualifying.
See below to learn more about who we are, how we can help you with auto financing in Draper, your vehicle purchase and frequently asked questions.
$0 Cash Down
Total Car Credit makes the approval process easy with as little as $0 down and simple qualifying (driver's license, pay stub, proof of insurance & residence). The door to your new vehicle is easy to open.
Learn More Below
Quick & Easy
The application process is quick, easy and available 24 hours a day, 7 days a week online. Just click on our "Apply Online" tab to view the simple application form.
You will receive free movie tickets to your local theater for showing up to your free consultation. This consultation will include important information about how you can re-establish your credit.
Why Choose Total Car Credit?
We provide useful advice and a very aggressive approach that can help you achieve your credit goals.
Receive Useful Advice
Please call for important information about reaffirming your current auto loan or continuing to pay on a vehicle in a bankruptcy. Reaffirming or continuing to pay on an auto loan does not count as credit after a bankruptcy.
Achieve Your Goals
You can finance while in a bankruptcy 7 & 13. There are programs to lower your interest rate a full 2% per year.
Experience Service and Quality
Total Car Credit assists you in your future good credit. Our lenders report to all three major credit bureaus (Experian, Equifax, and Transunion) so that you'll start rebuilding your credit instantly. Total Car Credit makes the approval process easy with as little as $0 down and simple qualifying (driver's license, pay stub, proof of insurance & residence). The door to your new vehicle is easy to open.
Q: How can you assist me in reaching my credit goals?
A: Total Car Credit assists you in your future good credit. Our lenders report to all three major credit bureaus (Experian, Equifax, and Transunion) so that you'll start rebuilding your credit instantly. Total Car Credit makes to approval process easy with as little as $0 down and simple qualifying (driver's license, pay stub, proof of insurance & residence).
Q: Can I qualify for financing?
A: You have been pre-qualified based solely on your bankruptcy filing. There is increased pressure to stimulate the current economy. More funding has been approved for individuals with the ability and desire to re-establish themselves.
Q: Can I finance while in a bankruptcy?
A: You can finance while in a bankruptcy 7 & 13. There are programs to lower your interest rate a full 2% per year.
Q: How can I ensure a quick approval?
A: Bring your most recent pay stub, your most recent utility bill, a valid driver's license, and proof of auto insurance.
Q: What if I have no cash down or trade-in?
A: Don't let that discourage you! At Total Car Credit we have lenders that will help you in situations such as, no cash down or no trade.
Q: What if I have a trade-in, but owe more than it is currently worth?
A: We often solve this type of situation due to our large selection of inventory and the great relationships that we have with multiple lenders.
Q: What if I am new to the area and/or have a short job time?
A: Most lenders want to see 2 years of continuous employment and residence history so this situation can easily be resolved.
Q: What if I have do not live in the area? Can I be pre-approved for an auto loan?
A: We can get your auto loan pre-approved either by fax or email prior to your coming into town.
Q: What if I am self-employed?
A: We have lenders that will extend to you a loan simply by verifying your income with your previous two years tax returns.
Q: What if I want to purchase an SUV, truck, van, etc.?
A: Selection is never an issue. We have the largest inventory in the state of Utah. All of our vehicles go through a 128-point inspection and are well reconditioned.
Q: What if I am on active duty with the military?
A: We have lenders that offer financing to Military Personnel E-3 and above.
Chapter 7 BankruptcyIs a liquidation debt that generally takes three to four months from the filing date to discharge. We can arrange auto financing in an open or discharged bankruptcy. When your bankruptcy is open, we can arrange financing prior to your 341 meeting (also known as the meeting of creditors).
Chapter 13 Bankruptcy
Is a re-organization of debts typically between one, three, and five year terms. Our lending source will only require that an individual receive written permission from the trustee and/or the bankruptcy court and that your plan has been confirmed.
One or more bankruptcies that have been filed or discharged by an individual whether it is a chapter 7 bankruptcy or a chapter 13 bankruptcy. This credit scenario can still secure auto financing.
First Time Buyer
This individual usually has no revolving or installment credit history. Buyer typically has no credit bureau score, however, there are lending sources available for this type of buyer.
Credit Counseling or Debt Consolidation Programs
This individual has gone to a profit or non-profit organization in an attempt to pay back creditors in full at a reduced rate and/or payment. There are lending sources available for this type of situation.
If an individual has experienced a repossession, voluntary or in-voluntary, the lender will require that the repossession have occurred at least two years prior to the application for auto financing.
Excessive or Unresolved Derogatory Credit
This situation is one that most lenders will shy away from because of the high risk of bankruptcy. There are three forms of resolution: resolving the credit issues through repayment of debt. Resolving the debt through bankruptcy or not acting on the situation at all resulting in a continuation of excessive unresolved derogatory debt. There is limited means of financing available for this type of customer. A lender willing to finance this type of customer will require a large cash down payment and a shorter loan term resulting in a higher monthly payment.
"Total Car Credit had the most professional and helpful people that I could have hoped to work with. After all the trauma that my family had experienced, it was nice to finally have someone actually look after us".
- Ronnie, Salt Lake City, Utah
"We were just trying to do all the right things after we had filed for bankruptcy. Total Car Credit sat down with us and made sure we were selecting the best options for now and the future".
- Don and Linda, Draper, Utah
"I will never work with another auto dealer. Total Car Credit treated us with dignity and respect. I could not have asked for a better experience.
- Jonathan, Sandy, Utah
"Do not buy a car from anybody but the folks at Total Car Credit. From the first phone call, to the minute I drove off the lot, I had been treated fairly and honestly ".
- Beverly, Lindon, Utah
8:00 am - 9:00 pm
Total Car Credit
11442 S Lone Peak Parkway
Draper, UT 84020