Question 1

1.	Can I get approved for an auto loan if I have less-than-perfect credit?

Accepted Answer

Yes! Our trained professionals understand life and its financial challenges that occur. We can help. In most cases, less-than-perfect credit doesn't rule out financing. Many lenders, including banks, credit unions, and ourfinance companies, offer programs specifically for buyers with subprime or limited credit history. Lenders consider factors beyond just your credit score — including payment history, steady income, length of employment, amount of debt, down payment amount,and the loan amount — when deciding whether to approve an auto loan. Stop in today to see our professional, understanding staff or call us to explore YOUR options.

Question 2

2.	Does Union Park Buick GMC offer online financing pre-approval?

Accepted Answer

Yes! https://www.unionparkbuickgmc.com/preapproved.html

Question 3

3.	Can I finance a used vehicle at Union Park Buick GMC?

Accepted Answer

Yes! https://www.unionparkbuickgmc.com/finance.aspx

Question 4

4.	What documents do I need when applying for vehicle financing?

Accepted Answer

Having the right paperwork ready can speed up your approval and get you on the road faster. Here's what to bring:
Government-issued photo ID — A valid driver's license, passport, or other official ID to verify your identity.
Proof of income — Common forms include pay stubs, W-2 forms, tax returns for self-employed individuals, or bank statements showing regular deposits. If you're self-employed, bringing tax forms like your 1040, Schedule C, or 1099 from recent years can help further demonstrate financial stability. 
Proof of residence — A recent utility bill, lease or rental agreement, mortgage statement, or bank/credit card statement showing your current address, typically dated within the last 30 to 60 days. 
Social Security number — Needed so the lender can pull your credit report and verify your identity. 
Proof of insurance — You'll need to show proof of full coverage insurance before the lender will finalize your loan, since the lender has a financial interest in the vehicle until it's paid off. 
Down payment funds — If you're putting money down, be ready with funds via cashier's check, certified check, debit card or wire transfer.
Trade-in documents (if applicable) — Bring your title, which proves ownership and lists any lien holders, along with your current registration. If you still owe money on the vehicle, bring your most up-to-date loan documentation, including the payoff amount. 
Bringing these documents with you can help our finance team get you a quick, accurate answer on financing. Have questions about your specific situation? Our finance team is happy to walk you through exactly what you'll need.

Question 5

5.	Does Union Park Buick GMC work with first-time car buyers?

Accepted Answer

Yes!
How is my trade-in vehicle's value determined? We will buy your trade whether or not you buy a car from us! We want to buy your car, no matter the make, model, age or condition. Our appraisers are also highly trained and experienced professionals with decades of experience. We will pay you the most possible for your trade and often times pay more than any other source!
Want a sense of your vehicle's value before you visit? Bring it in for a quick, no-obligation appraisal — our team will walk you through exactly how we arrived at your offer or use the quick, easy trade appraisal tool on our website to get a good sense of your vehicles value [Will—insert link to our trade appraisal tool.]

Question 6

6.	Should I lease or finance my next Buick or GMC vehicle?

Accepted Answer

There's no universal right answer — it depends on your driving habits, budget, and how you like to use your vehicle. Here's a breakdown of how each option works, so you can decide what fits you best.

Union Park Buick GMC

Union Park Buick GMC

Pre-Owned Vehicles

Used Vehicles for Sale in Wilmington, DE