Ribit FAQ

Can I apply for a car loan if I have bad credit?


Many of our approvals are for those with less than ideal credit. While we cannot guarantee approvals, we do guarantee that you will receive first-class treatment, regardless of your credit score. Whether you are approved immediately, or require a plan to get there, we are dedicated to helping you achieve your goal.




Can I get a car loan if I am self-employed?


Yes! In most cases we can help you to qualify for a car loan if you are self-employed.




What do you do with my contact info?


It's important to note that while most companies will sell the information from your application to multiple sources, we do not! Instead, we work with you from the time your application is submitted, to the time we locate your vehicle. Consider us your personal vehicle shopping concierge!




I have had problems in the past with my credit. Will this be an issue for me?


Not to worry. We offer a wide array of solutions that can accommodate most credit profiles. Regardless of your situation, you will receive helpful guidance and first-class treatment from our team of highly qualified credit professionals.




What exactly does my credit score mean?


Your credit score is a metric designed to help lenders assess the financial risk of lending you money for large purchases. The higher your credit score, the greater your chances will be for getting financed with an optimal rate.




Do you only work with those with bad credit?


Heck no. Regardless of your credit score, we are here to help. If you have excellent credit, that's great! We can offer you highly competitive terms and rates – and not to mention save you a ton of time.




What are your current interest rates?


Our current lowest interest rates are from 3.99% for a used vehicle and 0.99 for a new vehicle. These rates will vary monthly and are subject to your personal financial situation.




What kind of vehicle can I buy from you?


Our virtual dealership has access to all the major brands nationwide. You name it, we can find it for you.




Why should I buy from Ribit instead of a local dealership?


With partners across the country, we are able to provide you with the lowest rates available, in many cases selling you a vehicle for way less than a dealership would consider selling it for if you had visited a dealership lot.





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