How Apply Now Drive Now Works

Apply Now! Drive Now!

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Banks, financial institutions, and credit unions use what is known as a FICO score. The FICO score, along with other criteria, determines your loan terms. Walters Toyota’s “Apply Now Drive Now” takes our clients’ information and matches it against dozens of programs to determine the best for you! All you need to do is select a vehicle, we’ll do the rest. You will know your rate, down payment and monthly payment in a matter of minutes.  

Hit a bump-in-the-road with your credit? We offer financing to anyone the law allows. The “Apply Now Drive Now” credit approval gives you an opportunity to leave bad credit behind, and get your life back on track.  The lender will require few items, such as proof of income, proof of address, references, and/or a bank statement. And it’s that simple!

What you need to bring.

1. Proof of income
Current pay stub dated 30 days prior to puchase and showing year-to-date earnings. From January 1st through April
1st, you will need to bring the last pay stub from the prior year and/or W-2.

Social security and disability recipients will need to bring an award letter, plus three (3) months of bank statements.

2. Proof of residence
Proof of physical address, such as an utility bill, in the borrower (s) name. Must be dated 30 days prior to purchase.

3. Telephone statement
Proof of telephone dated 30 days prior to purchase.

4. Personal references
Five personal references with full name, address and phone number.

5. Valid driver’s license or photo ID.
Must be current.