PJP Autos does NOT require a credit check for our Step 1 Pre-Approval process. We gather information like your Net Income, past repossessions and paid off accounts.
Once you are pre-approved based on this information, we then review our program with you and discuss our inventory based on the Pre-Approval information that you provided.
Customers like this approach because they are NOT having their credit checked (hard pull) until they are ready to buy from us.
Once customers understand our program
and are committed to purchase and financing, we do ask customers for SS# to do a credit check to "verify" the information in Step 2 of our Process, and ask for documentation
like a pay stub. Keep in mind, credit score is a very small part of what we are looking at, again our focus in on Net (take home) income, past repo's and any vehicles you
paid off in full in the past. If you have any questions about this process, please do not hesitate to call us. 217-793-3550
AUTHORIZE AND SUBMIT APPLICATION
ACKNOWLEDGMENT AND CONSENT: By submitting this application, you certify all information to be true and accurate. You authorize this dealer to begin a credit investigation to
process this application. You understand that your credit bureau may be pulled using this information that you are providing. This dealership has privacy disclosures available
to you. You understand that by submitting this information you are giving this dealer permission to contact you using electronic communication including but not limited to text
messaging and email. You certify that you are over 18 as of the date of submission.
Pre-approval is the first step in obtaining financing with PJP Autos.
Before delivery of vehicle, additional information will have to be gathered along with Social security number to verify the information we obtained during the pre-approval
stage. Pre-approval is based on the information customer supplies to us and does NOT guarantee financing, verification of information is required before vehicle loan can