No, that's the best part. Our service is completely free.

That’s okay, Valley Approvals will match you with a dealer that will understand your situation and get you behind the wheel of a car that suits your needs.

Interest rates can vary from 0% - 29.9% based on your previous credit history etc. Each person will most likely quality for a different interest rate. Generally speaking, a new vehicle will most often offer the best interest rates.

Financial institutions generally take four variables into account: vehicle, down payment, application information and credit history.

A credit score is designed to help financial institutions measure risk associated with a loan. It is a general guideline to forecast how you are at paying your bills. The higher your score, the easier it is to obtain a loan.

Depending on your credit situation, some lenders do not require any money down at the time of purchase. In some cases, the financial institutions will require a down payment of some kind to approve a loan.

A general guideline for most financial institutions is 15% of your gross income. So if you earn $2000 per month, you should set your vehicle budget around $300 per month.

No, Valley Approvals acts as a medium between you and a car dealership that fits your needs. After review of the application Valley Approvals matches you with a car dealership.