Application

Let's get started

Apply below or come visit us at any of our showrooms across Michigan and South Bend, Indiana.

Are you applying alone or with a co-applicant? If you select co-applicant, you will be asked to provide their contact information.

Use contact information that you check regularly.

Use contact information that your co-applicant checks regularly.

Please use a permanent address where you can receive mail.

Living Arrangement

What is your relationship with this residence.

How long have you lived at this address?
$

Please use a permanent address where you can receive mail.

Living Arrangement

Provide information about your association with this residence.

How long did you live at this address?

Please select all income sources you would like to be considered with your application.

Income derived from alimony, child support, or separate maintenance payments need not be revealed unless you want it to be considered in making our credit decision.

Select all that apply

Primary employment.

Additional employment.

Retirement income.

Cour ordered child support income.

Additional income not disclosed via another category.

Include details regarding your primary place of employment.

How long have you worked here?
Employment type

Is this position paid hourly or on a salary

Hourly wage and hours per week
$

Include details regarding an additional place of employment.

How long have you worked here?
Employment type

Is this position paid hourly or on a salary

Hourly wage and hours per week
$

Include details regarding your previous place of employment.

$
How long did you work at this position?

Please specify the source and amount of your supplemental income.

$
How long have you been receiving this income?

Please specify any child support you receive.

1st child's age and support amount
$
Court Ordered
2nd child's age and support amount
$
Court Ordered
3rd child's age and support amount
$
Court Ordered
4th child's age and support amount
$
Court Ordered
5th child's age and support amount
$
Court Ordered

Please specify the source and amount of any additional income.

$
How long have you been receiving this income?

Include details regarding items that may have affected your credit.

Intend to file bankruptcy

We require your social security number and date of birth to obtain a credit report.

Agree to Consent Statement

By giving Car City my contact information, I agree that Car City may contact me at the telephone numbers and address I provided on this application. I agree that Car City may send me text messages in connection with my application. If an account is created for me, all of the following will also apply: (a) Car City and any assignee may monitor and record telephone calls regarding my account to assure the quality of service or for other reasons; (b) I expressly consent to Car City and any assignee using prerecorded/artificial voice messages, text messages and/or automatic dialing equipment while servicing or collecting my account, as the law allows; (c) I agree that Car City and any assignee may take these actions using the telephone number(s) that I provide in this credit application, I provide to Car City and any assignee in the future, or Car City or any assignee gets from another source, even if the number is for a mobile telephone and/or using the number results in charges to me.

In the following sentence, the applicant/co-applicant is referred to as "I" and the creditor is referred to as "you" and "your". I, the undersigned (1) make the above representations, which are certified correct, for the purpose of securing credit; (2) authorize financial institutions to obtain consumer credit reports on me periodically and to gather employment history as they consider necessary and appropriate; (3) understand that you and any financial institution to whom it is submitted will retain this application whether or not it is approved, and that it is the applicant's responsibility to notify the creditor of any changes of name, address, or employment.

You are notified pursuant to the Fair Credit Reporting Act that your application may be submitted to the financial institutions listed below or to other financial institutions.

Fifth Third Bank
1850 East Paris Ave.
GR, MI 49546
Orbit Leasing
PO Box 9534
Wyoming, MI 49509
Reliable Auto Finance
PO Box 9700
Wyoming, MI 49509
Rivertown CFCU
PO Box 249
Grandville, MI 49468

Frequently asked questions

How Can I Get a Car With Bad Credit at Car City?

We help people with credit issues because we base your approval on your income, not your credit score! If you meet our minimum income requirements, we can help you drive for as low as $39 dollars down!

Whether you decide to fill out the online application or visit us in person, you will need a valid driver's license and proof of your income – this can include income from Social Security and/or Disability.

Contact us if you have any questions so we can help you get approved and driving!

What Happens After I'm Approved?

Start shopping and look at over hundreds of vehicles. No matter whether you've applied online or in the showroom, you have the option to test drive our vehicles so that you're happy with your selection. If you've applied online and have reserved a vehicle, simply schedule an appointment to come in and finish up the paperwork in person. We'll have you out and driving in about 30 minutes or less.

What You Can Expect?

6-Month/6,000 Mile Warranty on all our Cars, Vans, Trucks and SUVs. We also offer an optional and economical vehicle service contract that provides coverage for additional components and for much longer, up to 36 months.

We also offer a 5-Day Money Back Guarantee. If you're not fully satisfied for any reason with your vehicle, bring it back within 5 days or 500 miles and we'll refund your money.

GAP protection is also included on all our vehicles. Should you badly damage or total the vehicle, you're covered for the difference between what a vehicle is worth and the amount you owe on it. Please know that you will still need insurance on your vehicle as this does not replace or meet the legal requirements for insurance on a motor vehicle.