Once you have achieved an approval and delivered a vehicle regardless of the interest rate, the idea is to position yourself in a unit which has the best chance to hold value and a model year with an odometer reading that will allow for options in 8 to 14 months when we try to lower your rate, through refinancing the existing vehicle or trading you out of your existing unit. The idea is to make sure your financial position in the vehicle you've chosen is not to backwards when the Treadz Auto Group staff apply for refinancing in the future to achieve a lower rate.

Most dealerships could get an approval in place, it is up to the consumer inevitably to have confidence in the business relationship and confirm that he/she is getting good value for the dollar.

Through personal bankruptcy experience and the combined stories of many bad credit customers, there is a wide spread belief that most dealerships treat derogatory credit applicants like a second class citizen. All customer service seems to be thrown out the window, prices seem to adjust to the situation without explanation and the implications that box product like warranty can be mandated. Bad credit can happen to good people with common sense and good education. The difference can be the people you decide to entrust in obtaining your credit approval and achieve the best interest rate possible, based on a consumers previous credit.