Frequently Asked Questions

The most common series of questions we receive pertain to direct loans. FundingWay is not a direct lender.
We are a car buying service for people that are unable to qualify for direct loans.

Financing Options We Do Not Support

  • Finance Motorcycles
  • Finance private purchases
  • Refinance current loans
  • Arrange financing from non-network dealers

All loans requests are processed through our local dealer partners. Loans are for the purchase of a vehicle from our local dealer partner.

I've tried other online services and local auto dealers. How Can Help When Others Can't?

It starts with our loan request form. Many other websites collect only enough information to obtain your credit report. Our loan request form is the most comprehensive in the industry. It was designed by scores of experienced finance managers that have placed tens of thousands of loans for people with special needs. Our loan request form takes into account variations among numerous lender score cards allowing our finance managers to evaluate your credit profile quickly and accurately. partners with the leading special finance auto dealers across the country. Each of our affiliated dealers has the lending resources, expertise, and inventory available to place special finance loans.

What Are the Basic Financial Requirements I Need to Meet?

While we can't guarantee that every case will be approved, we do recommend meeting as many of the following requirements to insure the best possible opportunity for becoming successfully financed.

  • At least $1,500 gross monthly income required for credit scores less than 625.
  • All Bankruptcies must be discharged.
  • No repossessions in the last year unless included in a bankruptcy.
  • Loans are for automobile purchases from our authorized licensed car dealer partners.
  • US Residents at least eighteen years of age.