FAQ

We help people with credit problems such as bankruptcy, no credit or bad credit get reliable transportation and a car loan at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are specialists; this is all we do. We treat our customers with the respect they deserve. Have you been treated rudely or indifferently at a car dealership when the salesperson found out you had credit issues? NOT AT Sole Savers Eureka! Any credit problem you may have, no matter what it is, we’ve seen it before. Nothing you say is going to surprise us or embarrass you. Sole Savers Eureka has helped over 10,000 people in Southern Oregon and Northern California get the car, SUV, minivan, or truck they want. We can help you.

Our interest rates range from 16.99% to 25.99%. We offer terms up to 48 months. Many subprime lenders charge in the 30% range. We strive to keep our rates below our competition. Begin your application process today!

In some cases, you can take delivery for $299 down. Keep in mind, the more you put down, the lower your payment will be. You can use a trade in as a down payment also. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do. In addition, all Sole Savers Eureka cars come with a limited warranty. We offer not only the car, but peace of mind as well.

At Sole Savers Eureka, we sell all kinds of cars, SUV’s, minivans and trucks, including work trucks. Mileage varies, but starts at about 50,000 miles. Do you need a work truck? How about something a little more reliable? Is a minivan more convenient for your growing family? Whatever you need we have it at one of our locations. Every vehicle is serviced at our hand-picked facilities so you can be sure of safe, reliable transportation.

You will need a valid Driver’s License, most recent pay stubs or other proof of income, ability to get full coverage insurance, recent utility bill (phone, gas, cable, electric), your trade if you have one (with current registration or title), and any down payment you may have. You will talk to one of our credit specialists, and we’ll show you vehicles that fit your budget and credit situation. At Sole Savers Eureka, we want the vehicle, and the loan, to fit your specific needs.

Payments can be bi-weekly, semi-monthly, or monthly based on income, your personal situation and the vehicle purchased. We are able to provide more flexible financing options than new car and ordinary used car dealerships, because of our special relationship with our lender, Northwest Acceptance Corporation. This gives us an advantage the other guys just don’t have. Payments are usually made at our office but can be made over the phone. We will custom design a financing program based on what works best for your individual situation.

Chances are, we probably have the vehicle you want. Most of our customers can drive home in a Sole Savers Eureka vehicle the same day they visit us. If you bring in all the information we need, it can take as little as 20 minutes! You can even apply on-line 24/7 and be pre-approved before you arrive at our office. It doesn’t get much easier than that.

Sole Savers Eureka helps all kinds of people buy cars. We understand that good people can and sometimes do have credit problems. Sole Savers Eureka has helped professionals, blue collar workers, retirees, divorcees, people on Social Security or Disability, people with unpaid bills, and many others from all walks of life. What you do for a living, where you live, or where you went to school does not define you or your credit situation is. At Sole Savers Eureka, you are treated as an individual not just a credit rating. Our credit specialists will discuss the vehicles and loan terms that work for you. And remember, no matter who you are or what your credit situation, we will treat you with dignity and respect.

Yes. We have confidence in our vehicles and stand behind them. You are welcome to take a vehicle to a licensed repair facility for an inspection prior to your purchase.

Yes, we take trade-ins of any make, model, and year. If you owe money on your trade, please be sure to bring your finance information with you including account number, phone number, and name of bank or finance company.

Yes, as long as the bankruptcy is discharged. You may be asked to bring some paperwork with you confirming this.

Sole Savers Eureka sells cars and makes loans to people that banks and most car dealerships don’t want, or aren’t prepared to deal with. One of our goals is to build a long-term relationship with you. The vehicle and purchase will fit your budget. We want you to complete your loan successfully and then purchase your next vehicle from us. Many of our customers are able to upgrade vehicles in as little as 18-24 months from their first purchase from us. Your successful loan completion at Sole Savers Eureka will enhance your credit rating.

Plus, when you buy from Sole Savers Eureka, we help you stay current. Your payments may be made bi-weekly, monthly or semi-monthly. Because we don’t shop your credit around to a bunch of banks, your credit report won’t suffer due to multiple inquiries on your credit report; which is exactly what happens when you buy from other dealerships. Best of all, unlike smaller dealerships, we report to the three major credit bureaus, so you can start to establish a better credit rating immediately.

Since most payments are made at our office, Sole Savers Eureka customers get to know our sales and credit consultants, and we get to know you. This personal relationship helps you work through some of the potential problems you may have making payments. Try that at a bank!

The fact is, no one can fix your credit related problems but yourself. We can help you get back on track, but it is up to you. Whatever problem that caused you to be late with payments, not make payments etc., you now have a blemished credit record. If you want to regain control of your life and have some of the things people with good credit have like unsecured credit cards, big screen TV’s, new appliances, a boat and furniture, without “renting” them for big bucks or even to eventually purchase a home you have to get your credit rating back. Your on-time payments at Sole Savers Eureka will help you to do that.

One thing to keep in mind as you begin to rebuild your credit is that it is easy to ruin your credit but fixing it will take some time and effort on your part. It won’t happen overnight, but if you are serious, and work at it, you can turn it around. At Sole Savers Eureka, we can help.

You have a number of choices. First, you could stop by one of our offices and talk to one of our credit specialists in person. They will speak to you about your credit situation in a relaxed manner. Once your budget and needs are established, you can select a vehicle.

Or....You can phone one of our offices and do it over the phone during regular business hours. We don’t have a “24 hour computerized” phone system. Every person is different and we want one of our credit specialists to speak to you in person. We don’t want some machine telling us which customers to approve. That personal touch is one of the things that make Sole Savers Eureka different.

Or....You can apply for pre-approval online at this site. Just go to our Credit Application Form, fill out the information, and one of our credit specialists will personally review it. Then we contact you by phone or email within 24 hours!

The most important thing you can do for yourself is to make your payment on time and in full. In the unlikely event you will be late for a scheduled payment, it is extremely important that YOU contact your Sole Savers Eureka office and let us know BEFORE the payment is due. You can call, email or stop in. We do understand that people sometimes experience financial setbacks. It is your loan. It is up to you to keep the lines of communication open.

We normally have nearly 100 vehicles available. If you drive by our lot and don’t see that many vehicles, there could be several reasons.

1. First, it takes us about 5 days to service and clean all of our vehicles. We will not sell a vehicle unless it is serviced and ready to be sold.
2. Second, once that is done, they have to be transported from our service facility to our lot.
3. Third, our lot sometimes is quite full. If that is the case, we store the vehicle until we can find the room on our lot.
4. Lastly, we sell our vehicles rather quickly. If we deliver 5 or 6 vehicles in one day, it may take us a day or two to get the replacement vehicles to the lot.

In any event, even if you don’t see the vehicle you are looking for on our lot, we can probably get it! Ask a sales consultant, don’t delay, stop in email or call today.

Many things make us different, but here is a short list…

• We help good people with bad credit get auto loans. This is what we do.
• Over 10,000 customers and 28 years experience
• 2 locations to choose from
• Sole Savers Eureka Warranty
• Professional, experienced, highly trained staff
• Some of the best vehicles you will find!
• We match the car, the payments and the term of the loan to your individual situation
• We are in this for the long haul. We will always be here when you need us.

This is only a short list. Call or stop in to see for yourself!

Acceptable proofs of income are.

• Recent pay stub
• Bank statement
• Award letter
• Child Support Court Document
• Alimony Court Document
• Tax Returns
• Retirement Statement
• Social Security Statement

Acceptable proofs of residence are.

• Utility Bills (Gas, Electric, Water, Garbage, Cable, Landline Phone, Satellite TV, Internet)
• Prior Auto Insurance Policy
• Insurance Bill - Homeowner's or Renter's
• Property Tax Bill
• Rental Agreement from Property Management Company listed in Yellow Pages
• Section 8
• Mortgage Statement