Frequently asked questions
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Can I get approved with bad credit or no credit history?
Yes — that's exactly who Eagle Approved is built for. Financing decisions are made locally by people who look at your whole situation, not just a score. Bad credit, no credit, past repossession, or rebuilding after bankruptcy: apply anyway, and we'll tell you honestly what we can do.
I have good credit — is Eagle Approved still worth it?
Absolutely. The matching works on both ends: with over two dozen bank programs, strong credit gets placed with our lowest-rate lenders instead of a one-size-fits-most rate. And you get the same Eagle Approved process — approval first, then our buyers find the right vehicle for your needs and budget and inspect it before your test drive.
What kinds of vehicles can I finance?
Any quality used vehicle we can source — not just what's on the lot today. Your approval comes first; then our buyers locate the right vehicle for you through a large network of partnerships, bring it to our lot, and inspect it before your test drive.
What if the vehicle I want isn't on your lot?
That's normal — it's how Eagle Approved is designed to work. Tell us the type of vehicle you need, your must-haves, and the budget you want to stay in. Our buyers search a large network of partnerships for the strongest match, bring it to our lot, and put it through an inspection. Then you come in, test drive it, and drive away with your financing already arranged.
Does applying hurt my credit score?
Submitting the application authorizes us to obtain your credit report to evaluate your request. When we review options with you, we'll go over how any lender inquiries work before anything else happens — no surprises.
What areas do you serve?
Northern Nevada — Carson City, Reno, and the surrounding communities, through Eagle Valley Motors' two lots. Call (775) 882-7498 if you're not sure whether we can help where you are.
How fast will I hear back?
Usually the same business day. A member of the finance team calls you with real numbers — approved amount, payment range, and down payment options.
Do I need a down payment?
It depends on your approval. Many approvals involve a down payment; the amount varies with your situation and the vehicle. We'll tell you the number up front, before you pick a car.