Fresh Start Program

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Frequently Asked Questions


Q. Can I get an auto loan directly through the Fresh Start Program?

A. No, Hall Automotive is not a lender. We have a specialized team that works with major lenders to help customers like you find affordable financing!

Q: What are the interest rates for my auto loan?

A: Interest rates are determined by the actual lenders and are influenced by several factors, including the severity of credit problems, the amount of down payment, and the degree of credit risk. One of our auto loan experts will explain these factors, and tell you exactly what your interest rate will be.

Q: Can I get an auto loan even if I have bad credit?

A: Our lenders will work with you every step of the way to help you get approved! Our lenders specialize in helping you get the best possible auto loan.

Q: Will it help if I have a co-signer on the loan?

A: If your co-signer has good credit status, this will help your chances of getting approved.

Q. What if I have repossession?

A. Many of our customers have had repossessions in the past and our goal is to help you re-establish your credit.

Q. What if I have a bankruptcy?

A. Whether it's a discharged Chapter 7 or an active Chapter 13, we work with many lenders that specifically specialize in auto loans for people who have this specific need.

Q. What if I don't have money to put down?

A. We have many programs that may allow you to put zero money down.

Q. How much income must I have?

A. The usual minimum income required is about $1,800 per month, but this varies from lender to lender.

Q. What if I'm upside down in my trade?

A. In most cases we can get a little extra help from the bank to overcome negative equity.

Q. How much will my monthly payment be?

A. This is determined by several factors including the amount of purchase, interest rate, term and down payment.  Call us today for more details.