Should You Complete an Online Credit Application?

When you’re on the CarUP Kansas City website, one of the first things you’ll notice is an option to get pre-approved for a car loan. Essentially, it’s an online credit application. That feels like it’s a little early in the process – after all, you haven’t even chosen your vehicle yet! There is a reason for it, though, and the purpose will assist you in finding the best vehicle for your needs, your wants, and your credit situation.

What Does the Online Pre-Approval Do For You?

You have a good idea what type of car, truck, SUV or minivan that you want. There’s probably even a good idea you have in mind about how much it should cost. The problem is that getting a car loan is a fluid situation. Becuase of that, the price you see online doesn’t really matter all that much. An online credit application will help CarUP Kansas City find out how much financial institutions are willing to lend you based on monthly payments. It gives a great indication of the year and value of the vehicle that the lender is willing to extend a loan for. At its roots, the online pre-approval means you’re able to focus your car shopping experience better. A credit approval prior to car shopping can save you hours of time, deciding on a vehicle and then needing to switch based on credit issues.

Can I Shop For a Car at CarUP Kansas City Without Pre-Approval?

Of course, the decision is up to you. If you haven’t settled on a vehicle yet, you aren’t sure you’re going to be buying a different car, or you’re simply not comfortable completing an online credit application you can still shop at CarUP KC. The goal is to save you time in the shopping process. Its all to help you eliminate the frustrating experience of being refused a car loan for the car you’ve chosen. An online credit application helps us focus your shopping experience, but it’s not a necessity. If you’re worried about online security, don’t be! Our credit application is secured by 128-bit encryption and your information is never sold. If you prefer, call us with your information to complete a pre-approval also!

Should I Apply Even if I Don’t Have Good Credit?

We understand that bad credit happens to good people. When life’s circumstances go sideways, CarUP KC offers a second chance to rebuild your credit. If you don’t have good credit but need a car, trust CarUP Kansas City to get you in the driver’s seat. Our lenders specialize in approvals for people with all types of credit – good credit, bad credit, and no credit at all. No matter what your credit history is like, CarUP KC is here to help you get back on track.   Simply complete the online pre-approval. We only ask for the information we need to get you approved. It helps you save time and frustration during the car shopping experience. Then, when you come to finalize the deal, all you need to provide are the supporting documents. It’s simple and straightforward – CarUP Kansas City makes buying a car easy again!

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