Frequently Asked Questions

Below are a few of the commonly asked questions we receive on a daily basis. If your question isn’t below or you need a more detailed answer please contact any of our locations or call 1-800-447-6395. If they can’t answer your question they will put you in contact with someone who can.

What do I need to apply for a vehicle?

All you need is to complete our brief application process, have a valid driver’s license, most recent pay check stub and recent utility bill. Information for the application includes your recent employment and residential history, six personal references and some addition brief information. It is really very simple!

How can I apply?

You can fill out an application online by going to the “Get Approved” page of this website. Click the submit button after you have filled in all the required information and your application will be forwarded to the location you selected.  One of our sales professionals will contact you as soon as your application is received. You can also call any of our locations and one of our sales professionals can take your application over the phone.  Our car lots respective phone numbers are listed on the “Locations” page of this website, or you can contact our corporate office at 1-800-447-6395 for assistance.

What type of credit do you have to have in order to get financed?

Instant Auto Finance caters to all types of special needs when it comes to credit. We have the ability to finance 100% of our applicants. It truly is 100% Guaranteed Credit Approval! We have specialized in people with challenged or ‘bad’ credit, bankruptcy, divorce, for about 30 years. From ‘A’ to ‘Z’ credit we approach everyone the same way, with optimism and respect and do all we can to meet their needs.

Will this be reported to the credit bureau?

Yes, your auto loan will be reported to Equifax and Transunion by SCS Credit Corp. SCS Credit Corp is the finance company that will fund and service your loan after the sale. You can contact SCS Credit Corp at 574-239-2000.

How long has Instant Auto Finance been in Business?

Instant Auto Finance has been financing the needs of car buyers for over 30 years and we look forward to servicing the motoring public for many more! At Instant Auto Finance we want to help you buy the car of your choice by earning your business.

If I have questions concerning my vehicle whom do I contact?

You always should contact the lot where you purchased your vehicle. This is where most if not all questions can be addressed to your satisfaction concerning to your purchase and warranty agreements with Instant! Auto Finance. If you do not feel your situation has been addressed sufficiently we urge you to call our Customer Care Hotline at 1-866-288-6933.

Do you have a written warranty?

Yes, we have a Free 365 day or 12,000 mile Limited Warranty on all units sold. We also encourage any inspection of our vehicles by the mechanic of your choice prior to sale.