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Frequently Asked Questions

How do I find my credit score?

Credit reporting agencies compile and report your credit score. There are three main agencies—Equifax, Experian, and TransUnion—that all draw on the same information from your credit report. These agencies use complex algorithms (mathematical equations) to balance each factor in your credit report and provide the most accurate assessment possible to a potential lender. If you submit an application with My New Start Auto, we will be able to get that information for you.

What model years can I choose from?

You can choose model years that are six years old and newer.

How secure is my information?

Once you submit your application it is encrypted for transmission and then stored with industry-leading security on our servers. Firefox, Microsoft Internet Explorer and other web browsers are compatible with this form of encryption. All the application pages will display the "secure icon" in your browser indicating that the information you enter on these pages will be transmitted securely.

What finance rate will I get?

The easy answer is that we will finance you at the best rate possible – in many cases this will be better than conventional rates. Everyone’s case is different, and your rate will be based on an analysis of your individual situation.

Can I use my existing vehicle as a trade-in?

Absolutely! We will work with you in order to get you top dollar for your trade-in vehicle.

What is GAP insurance?

New cars can depreciate as much as 50-70% in the in the first 2-3 years. As a result, insurance payouts can be much lower than the vehicle purchase price-even for those with full coverage. GAP (Guaranteed Auto Protection) insurance is additional protection to cover this "gap" between what one owes on a financed vehicle and its actual cash value, which is usually lower. As an example, let's say you borrow $26,000 for a new car and its totalled one month later. In the eyes of the insurance company, that vehicle has likely depreciated up to 30% (or about $7800) immediately after you drove it off the lot. WIthout GAP insurance, you could pay the full difference between what you owe to your lender and what your insurance company pays out to you! You can see why it's important. Please note that GAP insurance is cancelled after refinancing a vehicle. Those who plan to refinance for greater savings, and are currently covered, will need to reapply to maintain it.


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