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Financing a vehicle is no longer as difficult as it once was.  With Household Auto Finance, it is easier than ever to drive away in the car of your dreams!  There are just a few simple steps and requirements to be met and Household Auto Finance will do the rest.

The first step is the easiest of all – you just have to decide which vehicle you want.  You should take your time and test drive several until you come across the car, truck, van, or SUV that you can not live without!  It is important to consider many aspects of your life in deciding which vehicle to choose.  Of course, everyone would love to have a Lamborghini, but cost restraints, vehicle size, and practicality are factors that will very likely keep you out of this fantasy car.  However, it is not difficult to find the perfect vehicle that has plenty of room for your family and whatever adventures you plan to go on.  Just have fun and imagine which vehicle will best suit your needs.

Now that the fun part is over, it is time to get down to business.  Household Auto Finance is like many other finance companies in that the basis for qualifying is job history, credit worthiness, and ability to repay the loan.  However, unlike some other companies, Household Auto Finance knows that factors and circumstances in your life sometimes arise that are out of your control.  Therefore, a ding on your credit report does not necessarily mean you cannot get financing.

If your credit is less than perfect, you may be able to qualify in a non-traditional manner.  Because your payment history cannot be verified very well from your credit report, you may be able to provide letters from current creditors that exhibit your paying habits.  Utilities, housing payments, or creditors that do not report to the credit bureaus are all options to consider when obtaining reference letters.  It is a good idea to have at least three such letters or as many as six, if possible.

Other documents you may need are paystubs, income tax returns, or a statement from your employer verifying your income.  The reason for this is to know how much money you make and that you have adequate income to repay the loan.  If you do not have income of any kind, it will be difficult to qualify for financing.  However, you can also use sources of income other than employment, such as social security income or even child support and alimony.  As long as you have documentation to verify it, any income will do.