Frequently Asked Questions
A:
Automotive Platinum Program helps individuals who may have faced credit challenges get the vehicles they need. The pre-approved loan offer* you received is provided through Granite Bay Acceptance who offers indirect consumer auto financing. Granite Bay’s offer is administered through participating, knowledgeable and experienced auto dealerships.
Get Started Now.
Get Started Now.
A:
After you submit your information, it is forwarded to a financial representative in your area who will contact you to discuss the details of our program and finalize the process. They will then schedule an appointment for you to come in and pick out your new or used vehicle at a local dealership Get Started Now.
A:
Each loan is evaluated on an individual basis. The amount you qualify for will be based upon a number of factors including the vehicle you select, your personal credit history and your capacity to repay the loan. After you submit your information, a financial representative will contact you to discuss the specific amount you qualify for. Get Started Now.
A:
The dealerships we work with handle many makes and models of new and used vehicles. If they don't have exactly what you are looking for in stock, they have buyers who will often try to obtain it for you. Get Started Now.
A:
We work directly with dealerships located in your area. Get Started Now.
A:
A variety of programs are available to meet individual needs. In some circumstances, that includes a "No Money Down" program. After you submit your information, a financial representative, in your area, will contact you to let you know which programs you qualify for. Get Started Now.
A:
Interest rates vary from customer to customer depending upon a number of factors including the vehicle you select, your personal credit history and state regulations. After you submit your information, a financial representative will contact you to discuss your individual rate more specifically. Get Started Now.
A:
Required down payments vary from customer to customer depending upon a number of factors including the vehicle you select, your personal credit history and your capacity to repay a loan. After you submit your information, a financial representative will contact you to discuss the requirements and work out what is best for your situation Get Started Now.
A:
A variety of programs are available to meet individual needs. In some circumstances, that includes using only your trade-in as a down payment. After you submit your information, a financial representative, in your area, will contact you to let you know which programs you qualify for. Get Started Now.
A:
Yes. Both GBA and our participating dealerships have a variety of programs that help people with less than perfect credit and have a high acceptance rate. Get Started Now.
A:
ABOUT YOUR FIRM OFFER: If you received an offer in the mail with a customer ID# that directed you to this website, you have been prescreened for an offer of automotive financing through Granite Bay Acceptance (GBA). This offer of credit is extended because you meet certain criteria used by the lender.
ABOUT GBA: GBA is a nationally recognized lender specializing in originating loans with franchise and independent automobile dealerships. GBA provides lending options for purchase and refinance. To learn more about GBA, please visit us at www.GOGBA.com
REQUIREMENTS: In order to qualify for a loan from GBA you must continue to meet the credit criteria used to select you for this offer. You will also be subject to the following minimum credit requirements for final approval. You must be 21 years of age or older with a monthly income of $2,150. Your monthly payment may not exceed 20% of your gross monthly income and 45% of your monthly debt. You cannot currently be in foreclosure on your real estate or mortgage loans, be in open bankruptcy, or have financed a vehicle with GBA in the last 6 months. To be eligible applicants cannot have had your vehicle(s) repossessed in the past 12 months. You will certify that all the information you provide on your application will be true and correct. GBA assumes no responsibility for incorrect information provided by the various credit reporting agencies. A down payment may be required.
OFFER AND FINANACING: GBA will provide financing to all qualified consumers and a guaranteed approval for a minimum amount of $7,500 to $39,000 depending on vehicle chosen, at a simple interest rate of 18.99% APR (Annual Percentage Rate) or max state usury rate (whichever is higher); For example, for every $1,000 financed @ 18.99% for a period of 60 months your payment will be an estimated $25.94 therefore if you finance $16,000 @ 60 months, your payment will be an estimated $414.96 on a new or pre-owned 2010 or newer vehicle with maximum 60,000 miles and a minimum book/invoice value of $7500. Minimum contract term of 24 months. See dealer for additional details. For more information about GBA please visit www.gogba.com
Get Started Now.
ABOUT GBA: GBA is a nationally recognized lender specializing in originating loans with franchise and independent automobile dealerships. GBA provides lending options for purchase and refinance. To learn more about GBA, please visit us at www.GOGBA.com
REQUIREMENTS: In order to qualify for a loan from GBA you must continue to meet the credit criteria used to select you for this offer. You will also be subject to the following minimum credit requirements for final approval. You must be 21 years of age or older with a monthly income of $2,150. Your monthly payment may not exceed 20% of your gross monthly income and 45% of your monthly debt. You cannot currently be in foreclosure on your real estate or mortgage loans, be in open bankruptcy, or have financed a vehicle with GBA in the last 6 months. To be eligible applicants cannot have had your vehicle(s) repossessed in the past 12 months. You will certify that all the information you provide on your application will be true and correct. GBA assumes no responsibility for incorrect information provided by the various credit reporting agencies. A down payment may be required.
OFFER AND FINANACING: GBA will provide financing to all qualified consumers and a guaranteed approval for a minimum amount of $7,500 to $39,000 depending on vehicle chosen, at a simple interest rate of 18.99% APR (Annual Percentage Rate) or max state usury rate (whichever is higher); For example, for every $1,000 financed @ 18.99% for a period of 60 months your payment will be an estimated $25.94 therefore if you finance $16,000 @ 60 months, your payment will be an estimated $414.96 on a new or pre-owned 2010 or newer vehicle with maximum 60,000 miles and a minimum book/invoice value of $7500. Minimum contract term of 24 months. See dealer for additional details. For more information about GBA please visit www.gogba.com
Get Started Now.
A:
This “prescreened” offer of credit is based on information in your credit report indicating that you meet certain criteria. This offer is not guaranteed if you do not meet our criteria including providing acceptable collateral. If you do not want to receive prescreened offers of credit from this or any other companies, call the consumer reporting agencies toll-free, 1-888-567-8688 or visit the website at www.optoutprescreen.com; or write TransUnion Opt-Out Request PO Box 505, Woodlyn, PA 19094-0505, Equifax Options, P.O. Box 740123 Atlanta, GA 30374, Experian Consumer Opt Out, P.O. Box 919, Allen, TX 75013. Get Started Now.
