Frequently Asked Questions
Can I get Approved as a First-Time Buyer?
Yes! Many lenders offer first-time buyer programs designed for people with
little or no credit history.
Approval depends on factors like your income, down payment and the documents you provide - not just your credit score
Do I need a Downpayment?
Not always. Some buyers qualify with $0 down, while others may need a down payment to strengthen their approval. even putting down a small amount can increase your chances and may lower your monthly payment..
Will pre-qualification hurt my score?
No pre-qualification does not hurt your credit.
Can I trade in a car I still owe money on?
Yes you can, we would bring the vehicle in to get professionally appraised
and you will receive a trade allowance for it. After you get the new vehicle the loan will be paid off.
Can I trade in if the vehicle doesn’t run?
Yes you can, I just need the VIN and Miles of the vehicle and we can have it towed.
What do I need to bring when buying a car?
Most Buyers should bring:
Valid Driver’s license, Identification Card or Permit
Most Recent Paystub (If You get paystubs) If you don’t get paystubs we can verify income in other ways..
Proof of Residence
• Downpayment (Cash, debit or credit card,)
Downpayment can be done with Apple Pay
What credit score do I need
There’s no single minimum score. I’ve helped customers with excellent credit, fair credit, and even first time buyers with little or no credit. The best way to know your options is to get pre-qualified
Why should I work with Keys from Kai
I make the process simple by explaining everything step by step, helping you understand your financing options, and finding a vehicle that fits your budget - not just trying to sell you a car. My goal is to make buying your next vehicle stress-free and enjoyable.
Can I Get approved if I’m self employed?
Absolutely. Being self-employed doesn’t automatically make it harder to get approved, it just means lenders may ask for different documents.