Financing Options
At Cruz’n Auto Sales, we’re a family-friendly local used car dealership dedicated to helping you find reliable transportation that fits your budget. Although we don’t offer in-house financing, we proudly partner with trusted local finance companies, including Lendmark Financial and Basic Finance, to help make getting behind the wheel simple and accessible.
All vehicles are sold as-is, and our lending partners work hard to provide flexible financing terms for qualified customers.
How Financing Works With Our Lenders
Securing an auto loan through our local lending partners is a straightforward, step-by-step process designed to get you on the road quickly.
| Step-By-Step Loan Process | Details |
| 1. Apply Online or Contact Lenders | Start by submitting an application online or reaching out directly to Lendmark Financial or Basic Finance in Shelby, NC. Let them know you found a car at Cruz’n Auto Sales. |
| 2. Lender Review | The lender will ask a few quick questions regarding your monthly income, past loan history, and basic details before processing your approval. |
| 3. Test Drive and Finalize | Once approved, bring your down payment to our lot, take the car for a test drive, confirm the purchase with the lender, sign paperwork, and roll out in your new ride. |
| Vehicle Terms | All pre-owned vehicles on our lot are sold as is, giving you clear, upfront pricing with no surprises. |
| Credit and Eligibility Criteria | Requirements |
| Credit Guidelines | Our lending partners work with diverse credit backgrounds as long as you meet their baseline criteria. |
| Past Repossessions | Approvals are typically granted as long as you have no prior vehicle repossessions on your credit report. |
| Income Verification | You must show steady, verifiable income to demonstrate monthly payment ability. |
| Lender Locations | Both partner finance companies operate right here in Shelby, NC for your convenience. |
| Required Items To Bring | What To Prepare |
| Valid Identification | Government-Issued Photo ID or Driver's License. |
| Proof of Income | Recent Pay Stubs Confirming Your Employment and Earnings. |
| Down Payment | Cash or Certified Funds For Your Required Down Payment Amount. |
| Auto Insurance | Current Proof of Active Auto Insurance Coverage. |
Get Pre-Approved Today!
The very first step to driving home in your next car is by submitting your details today, or give our friendly team a call to help you.
Click below to connect with one of our trusted finance partners