Guaranteed Credit Approval

Summers Auto: Home of the Guaranteed Credit Approval

At Summers Auto Sales we hand pick our vehicles and our mission is to provide affordable, clean, used cars and trucks. Summers Auto Sales is a family owned and operated business and we provide a low-pressure, clean atmosphere to help you find your next vehicle.

We Specialize in getting our customers financing on car loans with our bank no matter what there situation is, bankruptcy ,late payments, first time car buyers, divorce, or repossessions no problem we can help. We understand that bad things can happen to good people, and that everyone deserves a second chance. Summers Auto Sales in not a “Buy Here Pay Here” car dealership. We can approve you for credit and secure your financing and car loan with the bank we work with and help you establish or re-establish credit with all 3 credit bureaus. We can help put you in that car you’ve been searching for. Challenge us, we’re ready!

Guaranteed Credit Approval Now!

At Summers Auto Sales in Loveland, we believe that what’s in the past, stays in the past. Don’t let your credit history stand in the way of getting that needed car for yourself or family. We have helped a lot of people re-establish their credit, and get them into a clean, reliable late model car at the same time. All you have to do is to make the decision to fill out our online credit application, and we will contact you with the details. It’s that simple. When it comes to purchasing a late model used car, come to a name you can trust, Summers Auto Sales, Loveland.

Understanding Credit Reporting & Financing

When you apply for an auto loan or any loan, lenders typically review your credit report. In many cases, having a good credit report makes it easier for you to get loans and lower interest rates.

Establishing or re-establishing your credit is an important step to financial freedom. The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Credit Reporting Act with respect to credit reporting. The agency provides many resources for consumers including how to build better credit and how to get a free copy of your credit report.

Understanding Credit Reporting & Financing

At any given time we have approximately 60 fine, hand selected vehicles. Anything from sub-compacts to full size sedans and everything in between. All of our cars, trucks and SUVs are put through a rigorous inspection by a certified mechanic before they even reach our lot. This ensures that the car you buy is going to run strong for years to come. With one of the largest selections of hand selected and inspected used cars in Loveland, and “Guaranteed Credit Approval “ on all car loans what are you waiting for? Come in and experience the difference Summers Auto Sales makes yourself.

Summers Auto Sales serves the entire Northern Colorado Front Range including:

  • Denver
  • Loveland
  • Longmont
  • Fort Collins
  • Erie
  • Windsor
  • Wellington
  • Timnath
  • Dacono
  • Berthoud
Frequently Asked Questions

Our Guaranteed Credit Approval program is set up exclusively for customers with credit challenges. We guarantee your credit history will not prevent you from receiving a written approval for vehicle financing.

Filling out the credit application physically or online only takes a few minutes. Each application is different but we’ll help you get everything completed as quickly as possible and show you a personalized Credit Approval on the vehicle that you selected.

The vast majority of our customers are credit challenged. In these cases, the bank sets the price based on many factors that are unique in every situation. We are at the bank’s mercy and must use the price they dictate based on customer risk, vehicle rating, dealership rating, vehicle value, and other factors. Since we don’t know what their terms are until we’ve given them the data, it is impossible to price cars accurately for our credit challenged program.

While you may not have had the opportunity to establish a record of on-time payments we can help you get there and get you a vehicle that will suit your needs.

There are many factors that go into calculating monthly payments such as amount of purchase, interest rate, term, and down payment. 

Not to worry! Our banks look at dozens of factors beyond just job time. We understand that everyone changes jobs from time to time and we still have ways to get you financed.

No problem! Our Guaranteed Credit Approval program can get you approved for a vehicle regardless of where you are in your bankruptcy process.

All trade-ins are welcome. We also specialize in trading customers out of a negative equity position. If you have a trade, we would love to talk to you about it.

Many of our customers have had repossessions in the past. Our business is helping you, the customer, re-establish credit and move beyond the challenges you’ve had in the past.

Being on disability does not hinder your ability to obtain financing. Social Security is recognized by lenders as income and can be used in determining what size loan you qualify for.