A: Outside financing
 On outside financing we try to get you finance to our outside lenders.
such as Banks, credit unions or any other auto finance company. many of those lenders they have several guidelines we must follow. Subject to
your credit and their rules (lenders) we will put package together and
submit it to them. Sometimes we know if you are approve within an minutes or so and sometimes it will take some time. (two or
three hours up to one business day)  please note your APR and your
monthly payments and pay period for loan are subject to your credit and
lenders rules and capital auto is not decision  maker on those issues.
 

B: In house financing
 On In-house financing we are a lender. This means we will give you the
loan ourselves for one of vehicle's. Due on our policy this option is available to Applicant OR Co Applicant IF they live in Dallas, Fort Worth area only. The processing time in this case is fast and normally it takes about 10 minutes or so.
  

 Please note our financing programs are good just for vehicles we have
in our inventory and we are not be able to do any refinance loan or
approve the loan for other dealership or individual seller.

WHAT WE NEED FROM YOU
 In most cases, this is the usual information we need:
 

• Valid Driver license
    "For in house financing is require to have TX driver license"
• Proof of income such as Pay stub
   
• Proof of residence such as mortgage paper, electricity bill, lease
  agreement, etc
   
• Phone and address of 6 references.
    "For in house financing 8 references is require"
   
• Cash or Cashier check or money order for down payment.
    "Please note we don't accept the personal or company check for down payment"
   
• Credit Application "please give us as much as you can information on credit application, it help us to speed up your process.
  
  

  Other Info
   In unusual case of credit, like bankruptcy we might need more info from Applicant. Please note after receiving Approval from lender OR Capital Auto you have to have full coverage insurance with $500 Ded before deliver vehicle to you
  
  This pages goal was to provide a general idea about our financing programs. we know there are more details information for each Applicant's credit than what we mention in this page  which we can discuses that after we receive more info directly from Applicants.
  
  We would like to thank you for the opportunity to serve you on your next automobile loan. We try very hard to do our best to make this process fast and a pleasant experience for you.