Pre-Approval for Car Loan

SENIORS ARE GOLD

Seniors are gold to the majority of banks and credit unions. Lenders prefer the stable portfolio of most seniors with income such as social security, retirement income and veterans benefits. Plus stable residents and mature bill paying habits make it easier for seniors to receive low and competitive rates. Let one of our trained professionals negotiate with lenders on your behalf or work directly with your own bank or Credit Union. We can help hand pick the vehicle that fits your wants and needs and give you all the tools so you know the history and fair market value of our vehicles. Feel free to bring in the family to negotiate because we are family owned and we always have the ability to lower our prices if you see a cheaper price somewhere else.

ANY INCORRECT INFORMATION WILL RESULT IN NO-SCORE.
PLEASE VERIFY NAME, ADDRESS, CITY, STATE AND ZIP BEFORE CONTINUING.

What does my score mean?

Great Credit Score: Over 740

Congratulations, your score is an above-average credit score. Consumers in this range may experience an easy approval process when applying for new credit. Let Paul Blanco’s licensed professionals help by negotiating on your behalf with multiple banks and credit unions to get you the best rate and payment.

Good Credit Score: 670 to 739

Having a credit score between 670 and 739 places a borrower near or slightly above the average of US consumers, as the national average Vantage Score is 673 and FICO is 695. While you still may get competitive interest rates, you are unlikely to command the ideal rate that a higher score may be able to achieve. Let Paul Blanco’s licensed professionals help by negotiating on your behalf with multiple banks and credit unions to get you the best rate and payment.

Fair Credit Score: 580 to 669

Borrowers with credit scores in this range are thought to be in the 'fair' or 'average' category. You may have some dings on their credit history, but there are no major delinquencies. You are still likely to be extended credit by lenders, but the rates and down payment may be higher. Let Paul Blanco’s licensed professionals help by negotiating on your behalf with multiple banks and credit unions to get you the best rate and payment.

Poor Credit Score: Under 580

If your score falls under 580 you are thought to have significantly damaged credit history. This may be a result of multiple defaults from several different lenders or as a result of a bankruptcy. In this case it is important to let Paul Blanco’s licensed professionals help by negotiating on your behalf with multiple banks and credit unions to get you the best rate and payment.