14444 E 8 Mile Rd, Detroit, MI 48205

14444 E 8 Mile Rd
Large Red Dealership, south side of 8 Mile, right across from Murray’s Auto Parts
From I-94, take 8 Mile/Vernier exit 225, go West on 8 Mile. Take third turnaround after Gratiot.

From I-75, take 8 Mile exit 59, go East on 8 Mile for approximately 10 minutes. After Schoenherr, we will be on the right hand side.

Hours:
Mon-Fri 9:00 am - 7:00 pm
Sat 10:00 am - 5:00 pm
Sun Closed

We have over 70 lenders competing for your loan, each with several different programs available.

Our salespeople don’t just want to sell a car and move on to the next person. We take the time to completely understand your credit situation and match it to a lender that will say YES! If there isn’t enough positive credit for the lender to say YES right away, we structure the financing in a way that lowers the risk for the lender to the point that they DO say YES!

We are able to structure your financing in ways that lower the risk for the lender so they approve you. Some of the ways we can do this are:

1. Having someone with positive credit sign with you on the vehicle.
2. Selecting a payment that is below 15% of your gross monthly income.
3. Increasing your down payment to show a stronger commitment.

Here at AutoSmart America, we work with over 70 lenders, and over 100 different financing programs, so we can ensure we have a financing program for you. We understand that consumers today are busy people, so we offer approvals through this website. Once you qualify for financing, we will schedule an appointment for you to come in and review the exact terms and conditions, including interest rate, down payment, monthly payment, and assist you in selecting the vehicles that fit within your approval guidelines.

Your down payment requirements depend on several factors: The type of vehicle you are looking to finance

a. Your credit history
b. How long you are looking to finance the vehicle
c. The amount of open debt you currently have
d. Your payment history on previous vehicles

Once you apply for financing, we are able to review with you the exact terms and conditions including interest rate, down payment, monthly payment, and the type of vehicles that match your financing.

You interest rate is influenced by several factors:

a. The year and model of the vehicle
b. The amount of your down payment
c. Your credit history
d. The term of your vehicle loan
Once you apply for financing, we are able to explain to you the details.

No problem! If you have excellent credit, you may qualify for the lowest rate in the marketplace. Simply apply today and we will schedule an appointment for you to come in and review the exact terms and conditions including interest rate, down payment, monthly payment, and assist you in selecting the vehicles that fit within your approval guidelines.

Typically, most lenders will qualify you for a payment 15-20% of your monthly income before taxes.

Typically, most lenders require a minimum of six months on your current job, and a two year job history. If you don’t have either of these, don’t worry! We are able to structure your financing in ways that lower the risk for the lender so they approve you.

Some of the ways we can do this are:

1. Having someone with positive credit sign with you on the vehicle.
2. Selecting a payment that is below 15% of your gross monthly income.
3. Increasing your down payment to show a stronger commitment.

Since we use over 70 different lenders, we are able to look at the entire picture. Depending on various factors, including down payment, job stability, and credit history, many lenders have programs that don’t require pay stubs.

Co-signers with positive credit can always improve your financing terms. Typically they are used when there is low income, no valid drivers license, low down payment available, or insufficient credit history.

To be on the safe side, you should keep your car for a minimum of 12-18 months with consistent on time payments

You need to contact your finance company with your current contact information. If you don’t have the phone number for customer service, contact us and we can obtain an updated customer service phone number for you.

We have an excellent service department here at our dealership. Just call 1-888-420-8811 to schedule an appointment.