Special Financing...  CREDIT PROBLEMS?    WE CAN HELP PUT YOU IN THE DRIVER'S SEAT! If you are concerned about your credit, please take a moment to review the Special Financing qualifications: Minimum income: $1,000/month or $2,000 joint. Previous Auto Credit: None required. Repos over two years ago. Bankruptcy: Chapter 7 - Discharged. Chapter 13 - Needs trustee letter. Employment: Two years job history. Residence: 2 or 3 current years. Minimum down payment: $700, or 10% cash. Eligible vehicles: 1996 or newer. For joint applications, both parties must submit individual applications. Please email us and indicate in which vehicle you are interested.   CLICK HERE for Special Financing Loan Application Form.  If you have any questions, please call us at (315) 699-3900.  We are here to serve you.