At Castle Rock Auto Broker, we understand the stress involved in car shopping when you have bad credit. You have many questions going through your mind. Can I even get approved? Am I going to get stuck in a vehicle I don’t want? How high is my interest rate going to be? Am I going to be treated poorly because of my bad credit? These are all valid concerns. If you choose to work with us, rest assured that we will leverage our 15+ years of knowledge and experience in obtaining bad credit auto loans along with our relationships with banks and credit unions to get you the best terms available to you. And when we say we understand the stress involved; we have been there ourselves! We truly do understand what you are going through and we know how to get you the best financing available to you while getting you a car that you want!  

WHY WE DO: 

Castle Rock Auto Brokers, Tim & Melissa Fleury, prior to moving their family to Colorado from Minneapolis area, built a reputation as the people to go see when your credit is challenged, among both industry leaders and the population in the Twin Cities area. With their dealership in rural small-town Minnesota and nearly all of their client base residing in the city about 30-45 miles north, there is no way they could be the top provider of bad credit auto loans without treating their clients with great integrity and respect. Also, being the drive was an hour long for most, Tim and his team implemented a process that allowed the transaction to be completed almost entirely over the phone and email, rather than the traditional dealer method of “just get them in the door” and make ‘em wait. All the work and hashing things out with the lender and vehicle selection is done without you having to be at our store. Not only does that mean that our clients do not have to sit at a dealership from dusk to dawn, but it also allows us to ensure we find the best value and the best lender fit, for both now and down the road. We learned this was unheard of in the “special finance” realm. Nearly every story our customers told us describing their experience at another dealer was horrible! We couldn’t believe the greediest and grimiest department in most dealerships were the departments tasked with helping customers that need the most help! It made sense though. With the amount of control given to the dealer from the lender, they were enabled to take advantage of high-risk borrowers; basically, buying inventory as cheap as possible and selling it to the customer for as much as possible, leaving the customer with a poorly conditioned vehicle and way, way on the negative side of equity. Often resulting in a repossession as their vehicle broke down and they owed way too much to trade it in. We believe that being we took on the job in providing financial lending assistance to people who have experienced a financial hardship, typically resulting from personal hardships, we have an obligation to demonstrate the upmost integrity, ultimately setting up future financial success for our clients. 

If you have gone through financial hardship and as a result now have bad credit, please know that we truly care. We understand and are on your team. We take a consultative approach. We know how to not only get you the best financing, but to get you set up for financial success again. You don’t have to work with someone who’s main agenda is to profit off of you. That’s the last thing you need. We are people you can work with collaboratively in togetherness. If we can share mutual respect, we can set you up with a great ride in the best situation for quick credit recovery. Rather than take advantage of your situation, we want to help your situation. For a free, no obligation phone consultation, fill out the application by clicking the appropriate tab below. We will call you prior to pulling your credit. With your permission, we will pull your credit while we are on the phone. This will allow us to get a better understanding of your personal situation and affording you the opportunity to get a clearer picture of what to expect.

OUR PROMISE TO YOU: 

First and foremost, we promise to give you the respect you deserve. We will never treat anyone differently because of their credit score. We will lead you down the right path. We will diligently work and try our best to secure the best available financing you can qualify for. If we cannot get you approved for financing, we will let you know rather than leaving you wondering for days and we will show you what you need to do to get approved for financing in the future. Once financing is approved, we will do our best to get you a vehicle you want.  

WHY WORK WITH US VS A DEALER?

Our process is meant to reduce the stress and make this purchase as easy as possible for you. Rather than sitting at a dealership all day, we start with a phone consultation, and if you decide to obtain our services we get the approval process done via phone and email. We go over your options on the phone, and when you come in to look at the potential vehicle you want to purchase, you will already know all the numbers. There will be no surprises at the end. We do ask that we work with one another on a mutual trust basis and that you work with us exclusively for two reason’s. Our services are highly sought after due to our expertise and we genuinely care to help our clients. Many of our clients need a vehicle rather quickly so they can continue to get to work so we must be able to maintain our efficiency. Second, many times we leveraging our lending relationships and strong rapport with our lenders to get loans approved and possibly calling in for exceptions. At the end of the day, if we cannot obtain an approval, or you are not happy with the approval, we can end our exclusivity with no obligation. 

Also, getting the approval is only the first step. There are restrictions, stipulations and verification requirements unique to each and every lender. We are diligent and thorough in our work and have the knowledge of each and every lender. It is not an uncommon occurrence at a dealership when a dealer sells a vehicle to a someone with challenging credit only to call them back days or weeks later, demanding them to return the car because the loan did not fund due to the dealers sloppiness or ignorance with the lender’s preset guidelines and notifying them they lose their down payment or trade in. Thanks to the thoroughness of each and every client paired with our expert knowledge of our lender’s programs that will not happen with us. We have never in our 15+ years of business had this happen due to our negligence or mistake. Ensure yourself a good experience. For a free, no obligation phone consultation, fill out the application by clicking the appropriate tab below. We will call you prior to pulling your credit. With your permission, we will pull your credit while we are on the phone. This will allow us to get a better understanding of your personal situation and affording you the opportunity to get a clearer picture of what to expect.

WILL I GET RIPPED OFF BECAUSE I HAVE BAD CREDIT? 

This is our “why”. People with poor or even blemished credit have a very good chance of being taken advantage of at a dealership. Although we don’t get our clients the cheapest car in the market since that car typically is unreliable, dangerous, and expensive to keep running, and resale value is a very important piece to the credit rebuild process, we heavily consider value when searching for a vehicle. Getting ripped off on a high-risk loan ultimately leads to more credit failure. Do not settle for that type of service. For a free, no obligation phone consultation, fill out the application by clicking the appropriate tab below. We will call you prior to pulling your credit. With your permission, we will pull your credit while we are on the phone. This will allow us to get a better understanding of your personal situation and affording you the opportunity to get a clearer picture of what to expect. PLACE “CREDIT APPLICATION” TAB HERE 

CAN I GET AN AUTO LOAN EVEN THOUGH I HAVE BAD CREDIT? 

Yes, there are lender’s who give auto loans to bad credit borrowers. We hand pick the lender’s to work with. There are many high-risk lender’s that we simply will not work with. We do not work with lenders that have outrageously high hidden fees, notoriously bad customer service, or a poor funding process. We want your experience to be great well after the point of purchase and working with the wrong lender’s will prohibit that. For a free, no obligation phone consultation, fill out the application by clicking the appropriate tab below. We will call you prior to pulling your credit. With your permission, we will pull your credit while we are on the phone. This will allow us to get a better understanding of your personal situation and affording you the opportunity to get a clearer picture of what to expect. 

I NEED AN AUTO LOAN BUT HAVE BAD CREDIT. I AM TOO EMBARRASED TO CALL IN! 

Don’t be! Our conversations are 100 percent confidential. We understand that bad things happen to good people. Your credit score does not define you as a person. Our goal is to not only help you get a vehicle you want that is reliable, but to also show you that we care. We have helped thousands of people that are in situations probably similar to you, but each client has their own unique story. For a free, no obligation phone consultation, fill out the application by clicking the appropriate tab below. We will call you prior to pulling your credit. With your permission, we will pull your credit while we are on the phone. This will allow us to get a better understanding of your personal situation and affording you the opportunity to get a clearer picture of what to expect. P