Frequently Asked Questions
How can I benefit by using AutoButton?
There's no easier way to secure an automobile loan for new or used vehicles. Your credit application is only sent to those lenders and dealers who have millions of dollars to lend and are dedicated to compete to provide you with an auto loan to meet your needs! Obtaining an auto loan online has never been easier. Many automobile purchasers have found that using AutoButton and its immense reach, has enabled them to find much better options and even financing where they couldn't before.
Looking for the right new or used car? AutoButton has established an elite network of hand selected dealers across the country recognized as being the most reliable sources to buy, sell and consult with about market conditions, trends and values. AutoButton saves you time and money. Our reputation is built on honesty, responsiveness, quality customer service and industry knowledge.
So, whether you want a car, truck, sport utility, hybrid, economy or luxury automobile, let your personal AutoButton agent get you connected. With over 30 years of experience in all aspects of the automotive industry we are sure to find what you are looking for. It's easy, fast and free, so give it a try!
How do I find the right dealer?
Here at AutoButton we have hand selected our dealers and lenders, to help our customers get the best deal on their car purchase and auto financing. All of our car dealers are monitored to insure that our customers are treated according to our high standards of customer service and satisfaction.
What is the procedure to apply for your financial products online?
The procedure is extremely simple, all you need to do is fill in our secure Financing Request Form and submit it online. The process takes place immediately after you submit the secure Financing Request Form.
Is my application and financial information secure?
In order to apply online, your browser must support SSL (Secure Sockets Layer) protocol. If you are viewing this page then your browser does support SSL. We respect our customer’s privacy needs in managing their personal finances. Our site uses a variety of security measures to maintain the safety of your personal information. All sensitive information transmitted between your browser and our website uses 128 bit Secure Socket Layer (SSL) encryption technology. With the SSL protocol, your application information will be encrypted prior to transfer to us, thereby providing you with an additional assurance of privacy and security.
How long does the application process take?
You will be contacted by your personal AutoButton agent usually within several minutes to a few hours by phone or email to assist you in the steps you will need to take in the approval process of your application.
Is there an application fee?
AutoButton never charges applicants a fee to use any of our products or services.
What happens after I apply using AutoButton and this website?
Your secure application will be instantly forwarded to a member in our network specially qualified in your area. You will receive a confirmation e-mail within minutes of submission of your application. You will be contacted by your personal AutoButton agent usually within several minutes to a few hours by phone or email to assist you in the steps you will need to take in the approval process of your application.
Does the online form obligate me to taking out a loan?
No. When you fill out our online application, you are only stating that you wish to have our agents arrange for pre-approval or contact you to discuss your options and answer any questions you may still have, you may withdraw your request at any time. When you are ready to proceed, you must confirm your information and agree to terms with one of our representatives.
Can I get pre-approved?
Knowing how much the bank will loan you for your car is a great tool in getting the best value for the loan amount you have to spend. When you are pre-approved it allows our dealers to work on matching your vehicle to your budget.
What loan amount should I request?
We suggest that you apply for an amount greater than the amount you think you will need in order to give yourself some flexibility. Remember your actual loan amount can include the sale price of your vehicle, taxes, licensing and registration fees, credit insurance, extended warranty/service contracts and any other fees, less the value of your trade in and/or down payment.
Is a down payment required?
There are several programs available with no money down or deferred down payments. If you qualify for one of these programs you may not have to make a down payment.
How much will my monthly payment be?
This is determined by the amount of your purchase, interest rate, term and down payment. To Help we have added a payment calculator located in the section marked Loan Calculator.
When will my first monthly loan payment be due?
Our Dealers have programs where 1st payment is not due for up to 90 days. Your monthly payments will fall on the agreed upon due date you specify on your loan application and your first payment will be due on the first occurrence of your due date. For example, if you select the 15th of each month for your payment due date and your check is funded on the 10th day of October, then your first payment would be due on the 15th of November. Note: If the first payment falls on a weekend or holiday, the payment will be due on the next business day.
What kind of vehicles can I get through your service?
With the AutoButton network of dealers we have the ability to locate the right vehicle for the right price for all types of vehicles, both new and used. Sport utilities, vans, trucks, passenger cars, luxury lars and sports Cars.
If I buy a Pre-Owned Vehicle, how can I be sure it is reliable?
Most dealers offer protection plans and extended warranties that will cover your vehicle and give you peace of mind.
What if I have a trade in?
Trades are welcome in any condition- running or not. Whether you owe money or have a clear title we can help.
What if I owe more than on my trade than it is worth?
In most cases we can get a little extra help from the bank to overcome negative equity.
What if I want to pay my loan off faster than planned? Are there any penalties for prepaying my loan?
In most cases, you may pay off either a portion of your loan or the entire amount at any time without incurring any penalties. Any payment you make above your regular monthly payment is usually applied to the principal balance of the loan.
Can I get an auto loan even if I have bad credit?
Yes! Of course! Don't be concerned with the things on your credit that you can't change. Our lenders and dealers are used to looking at challenged credit. Even if your credit is not perfect, or perhaps you have already been turned down for an auto loan; we specialize in fast approvals for people with challenged credit. Our AutoButton team of professionals can help just about anyone who has unique credit challenges. Regardless of what your credit is like, all credit applications are accepted. Your personal AutoButton agent and our lenders will work with you every step of the way to help you with the approval process. We specialize in helping you get an auto loan.
What if I have a reposession?
Repossessions are not a problem. Our business is to help you re-establish your credit status. Many of our customers have had repossessions in the past.
What if I have a bankruptcy?
Whether a discharged chapter 7 or an active chapter 13, we have many lenders that specifically specialize in auto loans for people who have this specific credit challenge.
What if I have a new job?
No problem. People change jobs. The lender is looking for the ability to repay the loan.
What if I'm Disabled or on Social Security?
Being on disability does not hinder your ability to obtain financing. As far as Social Security goes, who could argue that you have a pretty secure income? Social security is a verifiable and steady income source.
How much income must I have?
The minimum income required varies from lender to lender.
What if I'm a first time buyer?
We have many programs for first time buyers.