Finance Process
At Bruckner’s our Finance & Insurance Professionals with over 90 years of combined experience are dedicated to find the right solution for you! Our finance team is here to walk you through the entire loan process from start to finish, making it easy to choose and understand the financing option that works best for you.
We work with a large network of lenders to secure the best possible rate and term for your loan.
You can begin the process of securing financing right away by completing our online finance application. We will review it and contact you as soon as we have found a finance plan that suits your needs.
A properly documented loan application makes your loan process go smoothly. This checklist will help you gather the paperwork we may need.
- Complete and sign the finance application, our online application makes it easy to fill out the form, print the form, sign the form and fax it back to the number provided.
- If you are salaried: provide W-2's for the previous two years and one month of paystubs. If you are self-employed, provide tax returns for the previous two years, including all schedules, and a YTD profit and loss statement. (Note: provide copies of all requested documents. Do not provide original documents.) Any proof of income you provide will be helpful.
- To speed up the approval process, provide bank statements for the most recent three months.
To improve your chances of getting a loan approval:
- Fill out the finance application completely.
- Respond promptly to any requests for additional documents.
- Anything that causes your debts to increase might have an adverse affect on your current application. So, don’t apply for more credit during the loan process.
Finalize the loan
After your loan is approved, you will be required to sign the final loan documents. This will normally take place at the dealership in the Finance Manager’s office.
- Bring your down payment.
- Review the final loan documents. Make sure that the interest rate and loan terms are what you were promised. Also, verify the accuracy of the name and address on the loan documents.
- Sign the loan documents.
Make sure you have your picture ID with you and current insurance documents or we can provide insurance for your business needs.
When you are doing business with Bruckner’s we are here with you for the long haul!
