How Credit Decisions are Made

How Credit Decisions are Made
Getting a Car Financing Offer
At Direct Auto Team we pride ourselves on transparency throughout the car buying process, including the financing aspect. To this end, we've gathered information to help you understand how creditors make decisions to give you an auto financing offer.

We know that sometimes people wonder just how the lending institutions make their decisions. Well, these decisions are based upon four main factors...These factors are:

Vehicle selection: cost, age, and mileage
Application information: employment, residence, and income
Credit history: information contained in your credit file
Down payment: total of cash and trade equity