LHM Auto Credit Can Help You With
Your Car Loan in Spokane
2. Come By: Our simple process pairs you with the best, no hassle, no headache, lending program to make your financing approval easy. Call today, drive today.
3. Cruise Away: You will choose from hundreds new and pre-owned vehicles from our huge dealer inventories. We carry all makes and models with the best selection in the region!
| At LHM Auto Credit our ultimate objective is to provide
individuals who have credit problems in the past with an opportunity to
re-establish their credit through automotive financing. We
strive to create long-term relationships with our customers and do
whatever it takes to get you back on the road. Open the door to you future good credit with Larry H. Miller Downtown Toyota Spokane. We provide useful advice and a very aggressive approach that can help you achieve your credit goals. We can put you in a new or used vehicle, with the best payment while helping rebuild your credit. LHM Auto Credit makes the approval process easy with as little as $0 down and simple qualifying. See below to learn more about who we are, how we can help you with auto financing in Spokane, your vehicle purchase and frequently asked questions. | Our Mission
|
$0 Cash Down LHM Auto Credit makes the approval process easy
with as little as $0 down and simple
qualifying (driver's license, pay stub, proof of
insurance & residence). The door to your new vehicle is easy to open. Learn More Below | Quick & EasyThe application process is quick, easy and available 24 hours a day, 7 days a week online. Just click on our "Apply Online" tab to view the simple application form. Apply Now |
We Specialize
in:
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Why Choose LHM Auto Credit?
We have established relationships with many lenders that other dealers are not able to offer. This allows us to offer you the lowest rates, best quality vehicles and more financing options. These lenders are reputable and report to all credit bureaus so you can begin to re-build your credit. Starting the process is simple. It only takes a few minutes to fill out the secure finance application. We will have a member of the credit team contact you that same business day. If you are more comfortable contacting a team member directly, please call us at 800-678-0154.
No one understands your situation better than us. You can expect to deal with a friendly and professional consultant that will meet one on one with you to review your personal situation and circumstances. We will take the time to explain your options and answer any questions that you may have.
One of our specialties is arranging competitive financing for people in open bankruptcies. Now is the time to start re-establishing your credit. In most cases when you keep your current vehicle, it will no longer report on your credit bureau. This will only delay the process of re-establishment. One of advantages of buying a vehicle with LHM Auto Credit is we offer the rate reduction program. This program allows you to reduce your interest rate every 3 months as long as your payments are made on time.
LHM Auto Credit has one of the largest selections of quality vehicles. We look forward to assisting you.
What are the first
steps?
It's best to meet in person for our initial consultation. You will need to bring in some items the banks will require. We will discuss your Credit Bureaus in detail, talk about vehicle needs, and your personal financial goals. We will help you develop a credit re-establishment plan. In most cases we are able to get SAME DAY APPROVALS! We work hard to provide a positive and professional environment. We believe in maintaining integrity in all we do. We provide useful advice and a very aggressive approach that can help you achieve your credit goals.
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FAQ's
Q: How can you assist me in reaching my credit goals?
Q: Can I qualify for financing?
Q: Can I finance while in a bankruptcy?
Q: How can I ensure a quick approval?
Q: What if I have no
cash down or
trade-in?
A: Don't let that discourage
you! At LHM Auto Credit we have lenders that will help you
in
situations
such as, no cash down or no
trade.Q:
What if I have a trade-in, but owe more than it is currently
worth?
A: We often
solve this
type of situation due to our large selection of inventory and
the great
relationships that we have with multiple
lenders.
Q:
What if I am new to the area and/or have a short job
time?
A: Most lenders want to
see 2 years of continuous employment and residence history so
this situation
can easily be resolved.
Q:
What if I have do not live in the area? Can I be pre-approved
for an auto
loan?
A: We can get your auto
loan pre-approved either by fax or email prior to your coming
into town.
Q:
What if I am self-employed?
A: We have
lenders that will extend to you a loan simply by verifying your
income
with your previous two years tax returns.
Q:
What if I want to purchase an SUV, truck, van,
etc.?
A: Selection is never
an issue. We have one of the largest inventory in the state of Washington.
All of our
vehicles go through a 128-point inspection and are well
reconditioned.
Q:
What if I am on active duty with the
military?
A: We have lenders that
offer financing to Military Personnel E-3 and
above.
Credit
Issues
Chapter 7
Bankruptcy
Is a liquidation debt that generally takes three to four months
from the
filing date to discharge. We can arrange auto financing in an
open or
discharged bankruptcy. When your bankruptcy is open, we can
arrange financing
prior to your 341 meeting (also known as the meeting of
creditors).Chapter
13
Bankruptcy
Is a re-organization of debts typically between one, three, and
five year
terms. Our lending source will only require that an individual
receive
written permission from the trustee and/or the bankruptcy court
and
that your plan has been confirmed.
Multiple Bankruptcies
One or more bankruptcies that have been filed or discharged by an individual whether it is a chapter 7 bankruptcy or a chapter 13 bankruptcy. This credit scenario can still secure auto financing.First
Time
Buyer
This individual usually has no revolving or installment credit
history.
Buyer typically has no credit bureau score, however, there are
lending
sources available for this type of buyer.
Credit
Counseling or Debt Consolidation
Programs
This individual has gone to a profit or non-profit organization
in an
attempt to pay back creditors in full at a reduced rate and/or
payment.
There are lending sources available for this type of
situation.
Repossessions
If an individual has experienced a
repossession, voluntary or in-voluntary,
the lender will require that the repossession have occurred at
least two
years prior to the application for auto financing.Excessive or
Unresolved Derogatory
Credit
This situation is one that most lenders will shy away from
because of
the high risk of bankruptcy. There are three forms of
resolution: resolving
the credit issues through repayment of debt. Resolving the debt
through
bankruptcy or not acting on the situation at all resulting in a
continuation
of excessive unresolved derogatory debt. There is limited means
of financing
available for this type of customer. A lender willing to finance
this
type of customer will require a large cash down payment and a
shorter
loan term resulting in a higher monthly payment.
Contact Us Cody Goll Special Finance Manager Toll-Free
Phone: 800-678-0154 Hours: Monday-Saturday 8:30 am
- 8:00 pm Sunday 11:00 am - 6:00 pm | LHM Auto Credit 
LHM Auto Credit 1208 West 3rd Avenue Spokane, WA 99201 |