Your No Problem Financing Dealership
Why us?
because bad
things happen
to good people.
In recent years, banks have tightened their guidelines for credit and auto loans, making it more difficult to find auto financing. We decided in 2010 to begin offering a service to our customers to help with
this recent economic downturn. Lending laws have made it difficult for first time buyers with insufficient
credit to purchase vehicles they need.
These new lending regulations have had an impact on students with no credit history, seniors on
pensions, retirees with limited resources, families with poor credit scores, repossessions, bankruptcy, and
alternative lending.
what is peak to ocean?
- We provide financing options for customers who are either credit challenged or don’t yet have credit established.
- We give people the opportunity to succeed and approve them for a vehicle when other lenders have turned them down.
- At Peak to Ocean Finance, we offer alternative solutions because we understand that bad things happen to good people.
- Our program is not based on your credit score. We keep 3 important things in mind in our scoring process: job time, residence time and income. We also look at what fits best within your budget!
- Peak to Ocean customizes your auto loan so it fits your budget needs and your pay schedule.
Benefits
of the peak to ocean
credit program
it’s quick and easy to get approved!
- Short-term financing enables you to upgrade and re-establish your credit more quickly
Payments to your need, based on your pay schedule - Monthly reporting to Equifax and Experian to establish positive auto credit history
- Budget analysis done at pre-approval to set you up for success
- 99% loan approval
- Locally owned and operated
- All vehicles receive a 100-point inspection and are reconditioned to be mechanically safe and reliable
- 6-month, 6,000 mile service contract available (Covers powertrain items)
- First-time buyer program
- ITIN numbers accepted
- One-year 15k Teton Care included with every purchase
WE CAN HELP
We have the vehicle to satisfy your needs. We offer many financing options and currently
have a 99% loan approval rate to offer you. Bad Credit, No Credit and Bankruptcy No Problem!
Getting Started
HOW TO GET APPROVVED
WITH PEAK TO OCEAN
1.
Copy of last 2 pay stubs, 1099s, or last
year’s Federal Tax Returns for BOTH
applicants on a joint account
4.
Cash down payment and/or title to trade vehicle
2.
A copy of an ENTIRE home phone bill
or cell phone bill.
5.
Seven (7) references completed in full.
Including name, address, phone, and
relationship (must live at different residence)
3.
Valid Idaho, Montana, or Wyoming
Drivers License for BOTH applicants on a
joint account.
6.
Proof of full coverage vehicle insurance with
comprehensive and collision deductibles of
$500.00 or less, at time of delivery of the vehicle
1.
Copy of last 2 pay stubs, 1099s, or last
year’s Federal Tax Returns for BOTH
applicants on a joint account
2.
A Copy of an ENTIRE home phone bill
or cell phone bill.
3.
Valid Idaho, Montana, or Wyoming
Drivers License for BOTH applicants
on a joint account.
4.
Cash down payment and/or title to trade
vehicle
5.
Seven (7) references completed in full
Including name, address, phone, and
relationship (must live at different
residence)
6.
Proof of full coverage vehicle insurance
with comprehensive and collision
deductibles of $500.00 or less, at time of
delivery of the vehicle
Referral Program
Our referral program allows you an amazing way to get your entire loan paid off simply by sending us referrals that turn into sales. It’s simple!
Just tell your friends, family, neighbors, and co-workers about our program. Ask them to mention your name when they visit our dealership.
you will receive the following:
Sold referral # 1 through 4 | Pays a $200 gift card to use at any of our locations. You can deduct this from your next loan payment for each of the first 4 sales.
Sold referall #5 and up | Pays a $400 gift card to use at any of our locations. You can deduct this from your next and future loan payments for the 5th sale and on!
Many of our customers come to us through wordof-mouth from people who know the value of good relationships. Building good relationships was the way we started our business and it’s the way we have continued to grow to become one of the largest “Buy Here Pay Here” dealers in Eastern Idaho.
