Our slogan at Clutts Auto Sales is “Everybody Rides”. Basically this means that we can guarantee credit approval or we’ll buy you a steak dinner! Our “For the People” credit approval process uses a proprietary software system that takes our clients information from a brief credit application and maps it against dozens of financing programs to determine the best possible rates, down payment and monthly payments based on the vehicle you have selected. The system literally performs thousands of calculations per second in order to get our clients approved on their terms. If you make $1,800 per month and we can’t get you a written approval, I’ll personally buy you a steak dinner at the restaurant of your choice. Over the years, we have partnered with lots of lenders and built up a great deal of expertise at creating the best financing approvals for each unique situation. Each lender has niche or specialty areas that they work in. Don’t settle for a loan until you’ve given our “Approval Geyser” a shot!

Let’s talk about credit for a minute. Banks, Financial Institutions and Credit Unions all look at what we call a FICO score.

  •  700 is good and you can generally get credit easily at great terms
  •  600 is pretty good, you can get credit, but the rates will be a bit higher
  •  500 sucks and you can’t get a loan for a Slurpee!

Come on in to Clutts Auto Sales, do a credit app and we’ll tell you exactly what your score is. Last year we originated over $3M in car loans to people with FICO scores under 500, so that doesn’t scare the Approval Geyser! We know that bad things happen to good people and we are here to help good people get their credit and their lives back on track. All our financing programs report to all 3 credit bureaus so that you get credit for making your payments on time and re-establish your credit. We strive to help our customers build credit so that the next time they buy a car from us, they can buy a nicer, newer car. Ask about our “Movin’ On Up” guarantee.

When you visit us, my promise to you is we will treat you the way we would like to be treated. That means none of the old car dealer games. Here’s how it works;

You’ll pick out the vehicle of your choice, then one of our sales consultants will help you complete the application. We know your time is valuable, so we get right to it. Once that is complete, it’ll only take us a few minutes to tell you what financing options we have including down payments and payments. We won’t run you around for hours like some of the other dealers do. We get to the point as fast as we can so we both know what kind of terms we can offer.

You can even get the process started by applying right on our web site!

Whether you are paying cash or need help with financing to overcome credit difficulties, we strive to make the car buying process straight forward fun and easy – regardless of credit or anything else. I hope you come visit us and give me the opportunity to show you how we can do that.