4 In the event that a customer is unable to secure a loan through traditional banks and/or a credit union, we deal with secondary finance companies. Rates tend to be higher than traditional banks, but their credit guidelines are much more flexible! Because of more flexibility, they are able to get approvals where other sources have declined. Either stop by our dealership, have a seat and fill out a credit application, or fill out a credit application right here on our site. Once your application has been approved and we have all needed documents, we can get you in your new vehicle the same day!