Here are some common questions we recieve when it comes to financing.  

What banks do you use?
We currently work with two local credit unions as well as a couple other local banks.   We have a great relationship with all of our financing partners and they will give you the best rate possible based on your current situations.  If you have your own bank, we can work with them, getting them the appropriate information for the vehicle, etc...

Do I have to be there to submit an application?
We can submit a credit application via phone or if you stop in.   We will need a form of identification and some information from you to complete the process.

How long does it take?
It usualy only takes about 20-30 minutes from the start to finish to submit an applicaiton and recieve and answer.

Can anyone get financing?
We can finance just about anyone.  It is truly based on your situation, it depends on your credit history. It is our goal to educate you through this process and give you control of the situation. We're not pushy and there are no hidden fees that go along with the financing of vehicles at Torgys.  

Do you do in house financing?
In certain cases we have done in house financing based on the needs of the customer.  It is not always the option we prefer, but it is sometimes an option.

Do I need money down?
In most cases no.  Sometimes your situation might require it (credit history, trade value).  However, putting money down could help you to secure the loan, and possibly bring the interest rate down.

How many places do you submit my application to?
We only submit your application to two institutions, keeping your credit score in mind.  We understand sending the applications to too many insitutions can have a negative effect.

Anything else?
It's our goal to get you the best deal on a vehicle you're happy with, and that you're able to afford your payments and that you're happy with the interest rate.  If you have anymore questions, please contact Kristine, Jesse or Matt for more information.  715.986.3050.