Programs & Services

Credit Recovery/Repair

Purchasing your next vehicle should make you feel excited; however, many auto shoppers with bad credit start this process with a sense of dread and anxiety because they have endured unfair situations from uncooperative dealers. Perhaps you’ve had one of these experiences:

  • The dealer limited the cars you could buy because of your credit history.
  • You felt as if the dealer offered a finance package that was skewed unfairly toward his profit.
  • You dealt with rude, unsympathetic, or condescending sales representatives because of your credit situation.

In the Jacksonville Special Finance, we believe in treating every person with the same high level of respect, honesty, and compassion. We offer you a new, refreshing way to look at car shopping by providing the fresh start you deserve.

Bankruptcy: Chapter 7 or Chapter 13

If you’re currently working your way through an open Chapter 7 or Chapter 13 bankruptcy, auto financing is still a viable and affordable option! We realize that hearing “no” so many times because you’re in bankruptcy is discouraging and depressing; however, it’s not always the dealer’s fault. Many dealers aren’t familiar with and don’t possess the resources to offer finance packages to shoppers who are in an open bankruptcy, and few lenders choose to deal with open bankruptcy customers. Lenders that do deal with this type of financing pick and choose dealerships based on locale, capacity, means, and proven reputation as a provider of superior customer service. The Jacksonville Special Finance is proud to say that we have relationships with such lenders, so when you finance through us, you’re working with the cream of the crop!

The Difference

We care about your situation. We know that EVERYONE says the same thing. The difference is we actually do! As you enter our process, you’ll find out exactly why. Our customer service representatives are knowledgeable, experienced, and very friendly. We are always looking to make new friends and help others. You’ll find that the cornerstone of our business model is COMPLETE TRANSPARENCY. We don’t hide anything from our customers, so we don’t have to hide from our customers. From lending options to inventory, we believe in total disclosure. Our attitude and the way we conduct our business is what separates us from the pack. A smiling face, along with a knowledgeable staff makes for the ultimate car buying experience. Forget about your credit for a second and enjoy working with us. We’re committed to DRIVING YOU FORWARD!

Frequently Asked Questions

A: Absolutely. You DO NOT have to wait until you are discharged. You’ll need to work with an authorized dealer that has a Bankruptcy program. In a Chapter 7, you can purchase a vehicle as soon as your schedules are filed with the courts. In a Chapter 13, most lenders require that your plan be “confirmed” before they will extend a loan offer.

A: Our dealers have stocked their inventory with vehicles that will fit within the confines of loan structure. Typically, you can expect to choose from late model (1-2 years old) with low miles. In many cases, the vehicles may still be under the factory warranty. All our dealers have a wide range of service plans available that will give you peace of mind, as well.

A: The dealers and lenders have chosen to serve this market. They understand the needs of the customers in this program. In most cases, loans are approved with little-to-no money down.

A: No. The financing companies will never tell you what type of vehicle to purchase. They will give the dealer a few guidelines to follow, usually regarding the year/mileage of the vehicle. There are only two kinds of vehicles that typically don’t fit: Old vehicles and high-mileage vehicles.

A: We have spent countless hours of research finding dealers that best fit the Jacksonville Special Finance business model. These dealers must have the resources, the right inventory, and a strong track record for customer service.

A: Not long at all. Once you decide to enter our process, we can have you an approval in as little as 24 hours!

Jacksonville Special Finance 30.210065, -81.7392352.