Finance Frequently Asked Questions

Learn more about Deal Time Cars & Credit Buy Here - Pay Here in-house financing program

At Deal Time Cars, we know that financing is a big deal and that you have questions to ask. Click on the questions below for detailed answers on how our in-house financing works and details on how we can help you get on the road to credit freedom. We look forward to helping you get on the road with a reliable vehicle.

If you have a question that is not listed below, please call us at:

Tavares - 352-742-3325
Orlando - 470-578-9377
Lakeland - 863-688-9377
Ocala - 352-861-5626

Click on each question to see the answer.

Deal Time Cars & Credit knows that bad things can happen to good people. That’s why Deal Time Cars & Credit specializes in arranging auto loans for individuals who have had credit problems in the past. We can help almost any credit situation. Previous repossessions, foreclosures, charged-off accounts, tax liens, delinquent credit cards, and judgments you may have against you are all obstacles that we have overcome in the past.

Obviously, each person’s situation is a little different, but our Finance Specialists work each and every day with the situations described above and want to give each customer a chance to re-establish their credit worthiness.

Already Approved?

If you have secured your full approval through our online application system you will simply bring your Photo ID and your initial investment funds to your vehicle selection appointment.

Pre-approved or Yet to Apply?

Bring the following items with you to the dealership in order to Fast-Track your vehicle selection.

  • Proof of income (such as pay stubs, social security documentation, or pension documentation)
  • Proof of residence (a recent utility bill, lease, or mortgage)
  • Photo Identification (Drivers License, State/Government issued ID, Passport)

Yes. We know that one of the biggest fears that car buyers have when they purchase a pre-owned vehicle is that they will get a “bad” vehicle. We protect your purchase by providing you with a Limited Warranty of 3 month or 3,000 mile. (Whichever occurs first). Each unit that we sell is evaluated and serviced by our own service centers before being offered for sale.

Unlike our competition, Deal Time Cars & Credit does not have pre-set down payments on every unit. Your specific information will be evaluated by our staff of Finance Specialists who try to get you the loan amount you desire for the least amount of money down!

Our process is simple. We will ask you to fill out our 6 step easy online application. Once you submit that application our team of experts will evaluate and contact you with your approval details and schedule an appointment at one of our ten convenient locations. This whole process take just minutes and you will be on the road soon! Our goal is to make your car buying experience fast and pleasant.



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