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Frequently Asked Questions

What are the advantages of a loan from Military Auto Finance?
Do I qualify for any special programs or loan options for being in the military?
Can my serving in the military, provide me special exceptions to the consideration of less than perfect credit lines on my credit file?
What amount can I get financed?
Will being on deployment keep me from completing the application process?
Do I have to be active in the military?
Can my family members apply?
What kind of vehicle can I get?
What if the vehicle I'm looking at is pre-owned?
I'm worried about sending my personal information over the internet, is this website safe?

What are the advantages of a loan from Military Auto Finance?

You can take advantage of great rates and easy approvals. Many of our military lenders see you as a great customer because of your service and ability to be able to repay the loan. They are much more likely to extend credit to military personnel and their families! Not only that, you can pick your car and apply from any state. Our military lenders finance nationwide.

Do I qualify for any special programs or loan options for being in the military?

Many military lenders available offer special lending programs and other favorable loan options to military individuals. They understand and respect the valuable service military applicants provide to everyone by serving in our countries military. For example, many will offer 0 down payments and no payment for up to three months. How does that sound?

Can my serving in the military, provide me special exceptions to the consideration of less than perfect credit lines on my credit file?


Due to deployment and the possibility of relocation with little notice, military lifestyles can be a little less stable than normal civilians. For this reason, lenders tend to be more compassionate toward some areas of your credit file.

What amount can I get financed?

This depends on a number of things, including but not limited to:
  • What kind of vehicle you're looking for
  • What your credit rating is (remember we specialize in bad credit and no credit!)
  • Your monthly income
  • Ability to repay
Remember, you should not be looking at vehicle worth more than 30% of your monthly income. When you fall on hard times, you want to ability to be able to still repay your loan.

Will being on deployment keep me from completing the application process?

No. Through our online application process, you can start your vehicle purchase process with out having to be in the continental United States. This allows you to arrange a majority of the steps online, before you return from deployment. Please have a US address ready to use during the application process.

Do I have to be active in the military?

No, you don't have to be active in the military or have ever been in the military to apply. You must know someone close to you who has though. We do not collect this information but to keep our site genuine, we please ask you to follow these guidelines.

Can my family members apply?

Yes, all of your immediate family, extended family and close non-related family can apply. We have very loose guidelines on who can apply and take advantage of our special military financing but please follow the requirements above.

What kind of vehicle can I get?

You choose your vehicle and let us know what you're looking for in the application process. With Military Auto Finance, you research the car you want and apply for financing. We handle that last part! We'll do everything we can to get you financing for the vehicle you select.

What if the vehicle I'm looking at is pre-owned?

Pre-owned is fine. A general guideline is to make sure the vehicle is 12 years old or newer and doesn't have excess mileage or a salvage title on it. It must be in good running condition. Usually, the lender will do a brief inspection on the vehicle to protect you and them.

Is my personal information safe? Is applying online?

It's actually much safer than applying in person at a financial institution! After the application, your personal information is not stored. All of your information is communicataed with 256 bit encryption. What does that mean? It means it's encoded into trillions of characters and virtually impossible to decode. Sounds a little bit safer than leaving your paperwork on a desk, doesn't it? Military Auto Finance has never had any issue with safety and privacy and we go above and beyond all legal requirements to safeguard you.


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