What credit score do I need to check my approval options?

There is no minimum credit score. Dustin evaluates your full profile — income, employment, down payment, and credit history — not just your score. Buyers with scores in the 400s get approved regularly.

Will checking my approval options hurt my credit score?

No. Dustin reviews your situation first without running your credit. A hard pull only happens when you formally apply through a lender — which you control.

Can I get approved with a repossession on my record?

Yes. Time since the repo, your current income, and your available down payment are the biggest factors. Many buyers with past repos have been approved — especially 12+ months after the incident.

What if I have an open or discharged bankruptcy?

Both are workable. Chapter 7 (discharged) and Chapter 13 (active) have specific lender options. Dustin knows which lenders to approach for each situation.

How quickly can I get an answer?

Most buyers get a response the same day. The more complete your info — income, down payment, credit situation — the faster the process. Many buyers drive home the same day they reach out.

Check Your Auto Loan Approval — Lee Auto Group Tampa

Check your approval for a car or truck loan in Tampa Bay. Dustin’s team works with 20+ lenders covering every credit situation — good credit, bad credit, no credit, prior bankruptcy, and first-time buyers. Fast, no-obligation pre-approval. Call or text (813) 727-7168 or apply online.

What You’ll Need

Valid photo ID (driver’s license or state ID)
Proof of income (pay stubs, bank statements, or tax returns)
Proof of residence (utility bill, lease, or bank statement)
Down payment information (varies by credit; some programs require $0)