Welcome to the credit depart of the dealer of your choice! OcalaCarCredit.com will help you secure your auto loan prior to arriving at a dealership for your purchase or car lease. That's right, once you get approved for your car loan, you can shop with confidence regardless of your credit score because you will already be preapproved for your vehicle purchase. We encourage you to use the first site devoted to finding residents of Florida the loan they need to purchase the vehicle they deserve! We're eager to provide financing for your new car, or we can assist in used car financing. Check out our online car loan calculator for an instant car loan rate. Then, proceed to our online finance application.
All types of credit, from good to bad, can qualify for an auto loan. No credit, no problem! We will work with you to secure a no credit car loan if your situation demands it. OcalaCarCredit has strong relationships and is committed to finding you the perfect car loan company to suit your car finance needs. Auto loans are no longer an issue, no matter what your credit history may be!
Low interest car loans are available for customers with existing loans. We can help you refinance your car loan or adjust the term of the contract. You're just a step away from approved car financing!
Apply Now Online! It's fast, easy, secure, and most importantly getting approved is fun.
Our network of lenders has the experience to help you get the most competitive rate on a new or pre-owned vehicle. You can apply for auto loans online for free with absolutely no obligation.
Your secure application will be instantly forwarded to a member in our auto finance network specially qualified in your area. Bad credit? No problem, Ocala CarCredit has a special network of bad credit auto loan specialists who will work closely with you to get the best results possible
DID YOU KNOW that your credit score ends up saving you hundreds, or even thousands, of dollars on your new or used vehicle? Lenders use credit scores to help them determine the "credit worthiness" of consumers applying for an auto loans. The credit score will probably be used for figuring out whether you qualify for credit, and if so, what terms and interest rates you will receive.
Credit scores are calculated based on data in your credit reports and, as fluid numbers, change over time, sometimes on a daily basis! That's why it's so important to stay on top of your credit reports for changes that could affect your credit scores.
It is good idea to request a copy of your credit report on a yearly basis and check the report for it accuracy.
What is a credit report?
Your credit history and other personal information about you, is collected and kept on file with major credit reporting agencies ("CRAs"). CRAs provide your credit report information to businesses that, under the law, have the right to obtain and use your otherwise private credit information when, for example, you apply for credit, insurance, or employment. You have a credit record on file at a CRA if you have ever applied for a credit or charge account, a personal loan, insurance, or a job. Your credit record contains information about your debts, and credit payment history. It also indicates whether you have been sued, arrested, or have filed for bankruptcy.
Annually, over 2 billion credit reports are sold to businesses, so most American consumers have had their credit reports looked at many times each year. However, every year only a small percentage of consumers ask for and receive copies of their own credit reports.
What's in my credit report?
Your credit report contains the following types of information:
- Your name and your spouse's name.
- Where you live, where you work, and where you used to work
- Social Security number, prior addresses, phone number and birth date.
- If you've paid bills on time.
- How much credit you have available.
- If you've been late with rent or a mortgage payment.
- Whether and to whom you have made an application for credit or a loan.
- Companies who obtained your credit report and
- Bankruptcies, foreclosures, court judgments, convictions or tax lines.