Financing

At East KY Auto Sales, we are committed to helping our customers secure financing for their vehicle purchase. Please note that we are not a buy here, pay here dealership. Instead, we work with a network of banks and lending companies to assist with financing options.

This application will be submitted to these financial institutions for pre-approval purposes. Approval is not guaranteed, as all decisions are made by the lenders based on their specific criteria, which can vary by institution.

Our lending partners evaluate applications based on several factors, including but not limited to:

Credit score
Work history
Past bankruptcies or delinquencies

While a credit score of 620 or higher and a consistent work history may improve your chances of approval, financing decisions are situational and depend on the overall assessment of your financial profile.

If you do not qualify for financing at this time, we encourage you to take steps to build your credit and financial stability before applying again. Our team is happy to offer guidance or resources to help you along the way.

Acknowledgements

I confirm that either I or my co-applicant have an established work history
I confirm and acknowledge that by completing this application, I authorize my credit (and, if applicable, my co-applicant’s credit) to be reviewed

I would like to add a co-applicant to this application

Yes
No

Lender(s) You Would Like To Apply With

L&N Federal Credit Union
Hometown Bank
Community Trust

Warning: If you select more than one lender, your credit will be run at each location.

Do you have a specific vehicle in mind that you'd like to finance, or are you looking to get pre-approved first?

Yes, I have a specific vehicle in mind
No, I'm just looking to get pre-approved for now

Down Payment

Do you plan to make a down payment?

Yes
No

Vehicle of Interest

Applicant's Contact Info

Full Legal Name

Date of Birth

Applicants must be at least 18 years old

Martial Status

Married
Unmarried (Single, Divorced Widowed)
Seperated

Social Security Number (SSN):

Cell Phone

Home Phone

Email

Confirm Email

Add "None" if you don't have a email

Driver's License Number

File Upload

Click or drag a file to this area to upload.

Preferred Method of Contact

Preferred Time to Contact

Address

Address Line 1

City

State

Zip Code

Time at Address

Own/Rent

Own
Rent

Applicant's Income and Employment

I am:

Employed/Self-Employed
a Homemaker
Retired
Disabled

Other Income

If none, leave blank

Annual Income Before Taxes

Applicant's Primary Bank

Primary Bank Name

Account Types

How long have you banked there?

Credit History Disclosure

Have you ever had a vehicle repossessed?

Yes
No

Have you ever filed bankruptcy?

Yes
No

Online Credit Application Consent

By checking this box and providing my e-signature, I give my express written consent for East KY Auto Sales and its affiliated lenders or financing sources to proceed with this application, access my credit report, and verify my employment, income, and other information as necessary to evaluate my eligibility for financing.
I authorize East KY Auto Sales, its affiliates, and any financial institutions or lenders to which this application may be presented, to obtain a copy of my consumer credit report from one or more credit reporting agencies to evaluate my creditworthiness and determine eligibility for financing. I certify that all the information provided in this application is true, accurate, and complete. I understand that my information will only be used to process my application and may be shared with affiliated financial institutions in compliance with applicable laws and East KY Auto Sales’ privacy policy. I also consent to East KY Auto Sales and its financing partners verifying my employment, income, and any other information necessary to complete this application. If approved, I understand that additional credit reports may be obtained as necessary to manage or service my account. I acknowledge that I have received and understand my rights under the Fair Credit Reporting Act (FCRA), including the right to dispute inaccurate information on my credit report.

Co-Applicant's Contact Info