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You may have questions regarding how Car Credit Omaha works, so we have collected the most commonly asked ones and their answers to hopefully help you find the information you need. Feel free to contact us if you have questions not found in this FAQ.

How fast will I know if I'm pre-approved?

Pre-approval applications on Car Credit Omaha are submitted instantly and your decision comes back in 30 seconds or less. Get started here.

How is my private information treated?

CarCreditOmaha.com protects its customers' information. We do not sell your information to any 3rd parties. For more information, please read our Privacy Policy.

Are there any fees for using CarCreditOmaha.com?

There are no fees. It is a free service.

What type of car will I get?

CarCreditOmaha.com can finance both new and used cars. Usually loans on used cars are on vehicles with less than 80,000 miles and are 5 years old or newer.

What if I'm Self employed?

Being self employed is rarely a problem in most cases. We work with banks and credit unions in Omaha that accept self employment income.

What if I have a repossession?

Car Credit Omaha specializes in securing loans for our customers with repossessions. We help re-establish credit. Everybody has to start somewhere.

What if I have a bankruptcy?

Whether it's a discharged chapter 7 or an active chapter 13, we have many programs that specifically specialize in auto loans in Omaha for people in this situation.

What if I don't have money to put down?

We have many programs that either allow you to put Zero Money Down. Otherwise, Car Credit Omaha has a program that allows you to defer all or part of it.

What if I have a new job?

A new job is not a problem. Everybody changes jobs. Banks and credit unions are looking for your ability to repay the loan.

What if I'm Disabled or on Social Security?

Being on disability or Social Security does not hinder your ability to obtain financing. Banks and credit unions accept this type of income because it is secure.

Do you report to the major credit reporting agencies?

All of our loans are 100% major bank and credit union financed. Payment history is reported monthly. Some places will tell you they do. Not disclosing that only after the loan has fully been repaid.

What if I'm a first time buyer?

We have many programs for first time buyers. A job is typically the only requirement.

What if I'm upside down in my trade?

Must customers with loans on their current vehicles are upside down. Our banks and credit unions in Omaha understand this and allow customers to finance this negative equity. In cases where money down is needed, the financial institutions usually don't require it to be 100% covered.

How much will my monthly payment be?

This is determined by several factors. Amount of purchase, interest rate, term, and down payment. To calculate your payments, use our financial calculator here.