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Auto Loan Q & A

We Answer Your Auto Loan & Finance Questions

Why should I get a loan to buy a used car from you?

At D1 Auto Credit we are in the auto business to help people who need a car and to assist them in meeting the financial obligation of a car purchase. Our no-pressure approach is refreshing in this industry. Our customers are real people to us with real lives and we take great care of every customer.

Do you pull credit reports?

We are a no credit check dealership, which means you can qualify for one of our cars, trucks and vans without any credit history, or even with a poor credit score. If you go through our in-house financing, we do no look into your credit with any agency. This is perfect for first-time car buyers.

What if I want to go through my credit union?

We have relationships with hundreds of banks and credit unions and are happy to work with yours. Chances are good that your credit union is among the ones we work with because we are a preferred dealer with CU Direct Connect. You'll love the seamless experience of finding the best car loan for you.

How are you different from other dealers for buyers with impaired credit?

Our differences are the superb quality of the vehicle and our excellent customer service. These aspects set us apart from other used car dealerships, whether they cater to poor credit or ones that don’t offer in-house financing. Come visit us and experience the difference.

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What is the process of getting a car loan through D1 Auto Credit?

From the moment you walk into our dealership, expect to be greeted courteously and asked how we can help. We will get you into the right loan for you. Because we are a dealership that accepts bad credit situations, we will take the time to understand your needs and get you into the right car at the right terms for your financial situation. Expect someone to take care of you throughout the buying experience.  If you buy a vehicle from us, expect excellent customer service from our sales and service departments for as long as you own your vehicle.

How often do you get new inventory?

We get used cars weekly. After going through our thorough reconditioning process they become D1 Certified Pre-Owned vehicles and are put on our lots for sale. Check our used car inventory online or call the sales office at 303-274-7692 in Lakewood or 303-287-5511 in Thornton to request a vehicle.

How do I make a payment?

You can make your payment at the dealership, call-in with a debit or credit card, or set up a recurring payment that automatically gets debited from your card on your payment date. We accept cash, debit/credit cards, money orders or cashier’s checks. We do not accept personal checks.

What are my options if I buy a car from you and it later needs service?

We have a 12-bay fully-staffed service center on site. Our service center is used to recondition all of our vehicles and for any type of service our customers need. We offer reduced a labor rate and discounts on parts for our customers. You also have the ability to finance your repairs; allowing you to drive away in your vehicle as soon as the repair is completed. 

Can I sell or trade my car to you?

Yes you can. Bring your car in and we’ll give you a quote or use it as a trade-in.

Do I need an appointment to buy/finance?

No, an appointment is not necessary.  We value your time so, if you like, you can get pre-approved for either a low market rate loan through one of our credit union or bank connections, or for an in-house loan before you come in.

What does Buy Here Pay Here mean?

Buy Here Pay Here dealers are simply dealers who offer vehicles and financing in-house. When you buy a vehicle from us, you make payments to us, not to a third party like a bank or credit union. It allows us to guarantee you will get a loan when you meet credit and monthly payment requirements that we set.

get an auto loan

If you have other questions, we are here to answer them all! Either call us at 303-274-7692 in Lakewood or 303-287-5511 in Thornton or send us an email using any of the forms on this site, or come down to one of our Denver dealerships.