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question for those who financed with Gupton

1996XJ

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For those who have great credit scores did you still have to provide proof of income? I keep hearing people say if you have great credit most places don't even verify income much less care what it is. Second is there any discount for foum members ? I thought I read it somewhere but can't find it.
Thanks
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For those who have great credit scores did you still have to provide proof of income? I keep hearing people say if you have great credit most places don't even verify income much less care what it is. Second is there any discount for foum members ? I thought I read it somewhere but can't find it.
Thanks
I hope this is true. I have excellent credit, but have been kind of coasting this year in terms of working. I havent been picking up any OT as everybody is on burnout in the hospitals these days.
 

badger719

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Also did Gupton allow any of you to work out financing details before traveling to their store?

I'd love to have all or most of the financial stuff worked out before I show up. I will most likely be going through them for the additional 1 percent off.
 
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1996XJ

1996XJ

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I hope this is true. I have excellent credit, but have been kind of coasting this year in terms of working. I havent been picking up any OT as everybody is on burnout in the hospitals these days.
Same with me. Hopefully someone will see this and chime in.
 

trailless

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I financed with another dealer and they didn't ask for proof of income. I do have a great credit score though.

The discount with financing with Gupton is 1% off. The deal for 2021's was 6% off, +1% for tread lightly, +1% for financing through the dealer.
 

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I don’t have personal experience dealing Gupton nor their finance department. With that said the answer SHOULD vary by person. If you have a good credit score, with a long credit history and the historical ability to get high dollar loans, low credit consumption, you will likely not be asked for anything. I am sure they can pre-approve you for financing. Furthermore, I would encourage you to get pre-approved from another source or two and then have Gupton compete for a better rate.
 

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I bought at Petersons in Nampa, they didn't ask for proof of income, but my credit score is 750+. I did bring some paystubs just in case.
 

u-joint

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Even if you plan on financing through them, line up your own financing first as a backup option. The last thing you ever want is to end up in the financing office and hear that they can’t get you a rate or terms that you’re wanting.

Capital One has a great online tool that you can use.
 

dbmcubs21

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I did my deal a couple weeks ago with Gupton. Strong credit. No backup documents needed. Interest rate was 2.59% on 60 months. I financed a little over half of the purchase price.

Filled out Credit App online two days before pickup, was in the finance office for about 15-20 minutes signing documents. Another 20-30 minutes with Renee going over JT features and the Apps on my phone. Out the door and on my way home in about an hour.
 

MikeInMo

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I did my deal a couple weeks ago with Gupton. Strong credit. No backup documents needed. Interest rate was 2.59% on 60 months. I financed a little over half of the purchase price.

Filled out Credit App online two days before pickup, was in the finance office for about 15-20 minutes signing documents. Another 20-30 minutes with Renee going over JT features and the Apps on my phone. Out the door and on my way home in about an hour.
This was my experience as well
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