Frequently Asked Questions

 Can I get an auto loan directly through the Hall FreshStart Program?
No, Hall is not a lender. We have a specialized credit team that works with national lenders to help customers like you find affordable financing!

 What are the interest rates for my auto loan?
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 let you know what to expect.

 Can I get an auto loan even if I have bad credit?
Our lenders will work with you every step of the way to help you get pre-qualified! Our lenders specialize in helping you get the best possible financing terms.

 Will it help if I have a co-signer on the loan?
If your co-signer has good credit status, it may help your chances of getting pre-qualified.

 What if I have repossession?
Many of our customers have had repossessions in the past and our goal is to help you re-establish your credit and obtain reliable transportation.

 What if I have a bankruptcy?
Whether it's an open/discharged Chapter 7 or an active Chapter 13, we work with lenders that specialize in auto loans for people who have this specific need.

 What if I don't have money to put down?
We have many programs that may allow you to put zero money down.

 How much income must I have?
The usual minimum income required is approximately $1,800 gross per month, but this varies from lender to lender and your credit situation.

 What if I'm upside down in my trade?
We have lenders who may be able to assist with negative equity situations as well as new car options with manufacturer rebates that can help offset.

 How much will my monthly payment be?
This is determined by several factors including the amount of purchase, interest rate, term and down payment.  Call us today for more details.