Buying a new car can be a complicated process, especially if your credit history is less than perfect. Freeland Car Credit of Nashville wants to help you get back on your feet with our Buy Here Pay Here program. We know the undertaking of financing a car with bad credit might seem overwhelming. To make the process a smooth one, here are some frequently asked questions that might help clear up some car buying confusion.

Do All Vehicles That Ascent Auto Finance Finances Come with a Warranty?

Yes, all vehicles Ascent Auto Finance finances come with the area’s best pre-owned vehicle 12 months or 12,000 mile limited warranty. Please call or stop in for further information.

If I Purchase a Car Using Ascent Auto Finance and Have a Problem with My Payments, What Should I Do?

Good communication is the most important thing you can do to keep a good relationship with Ascent Auto Finance. In the unlikely event your scheduled payment will not be on time, it is extremely important that YOU contact Ascent Auto Finance and let us know BEFORE the payment is due. We do understand that people sometimes experience financial setbacks. It is your loan and it is up to you to keep the lines of communication open.

Do You Help People Rebuild Their Credit? How?

Yes we do! Ascent Auto Finance will custom design a financing program based on your income, your personal situation and the vehicle purchased that works best for you. We also report each and every month to the credit bureau. We want you to be successful and want to develop a long term relationship with you.

I Have a Bankruptcy. Can You Arrange Financing For Me?

Yes! If you have filed a Chapter 7 and you have had your meeting of creditors, your bankruptcy DOES NOT need to be discharged. If you have filed a  Chapter 13, all you will need is a letter from your trustee outlining what they will allow you to do.

How Long Does It Take?

Chances are, you can drive home your vehicle the same day, if not minutes after you first visit to the Freeland Superstore. You can even apply online at www.freelandcarcredit.com 24/7 and be pre-approved before you arrive at our dealership. It doesn’t get much easier than that.

Do You Take Trade-Ins?

Yes, we take trade-ins. If you owe money or have a payoff on your vehicle, please be sure to bring your loan information with you including account number, phone number, and name of bank or finance company.

What Does Freeland Superstore and Ascent Auto Finance Do?

We help good people with credit problems such as no credit, bad credit, repossessions, judgments or bankruptcy, get good reliable transportation and a friendly vehicle loan, with terms they can afford. Unlike most car dealerships which are not prepared or not able to deal with the credit challenged people, we are. We are the specialists, this is all we do each and every day.

What Are the Requirements for Purchasing a Vehicle Through Freeland Superstore and Ascent Auto Finance?

You will need your most recent pay stubs or proof of income, a valid Driver’s License, proof of residency and 10 complete references. Our credit specialists/sales associates will help you find a vehicle that fits your budget and credit situation. At Freeland Superstore and Ascent Auto Finance, we want the vehicle, and the loan, to fit your specific needs.

How Do the Payments Work?

Payments will be made either weekly, bi-weekly or semi-monthly based on how you are paid at your job. We are able to provide more flexible financing options than other dealerships, because we are the lender and this gives us an advantage the other guys just don’t have. We will custom design a financing program based on your income, your personal situation and the vehicle purchased that works best for you. Payments can either be made by reoccurring debit, ACH or online.