Here’s the deal—we don’t think much of credit scores. They don’t honestly reflect the past, and they certainly cannot predict the future. For proof, look at the financial meltdown of 2008. People with perfect credit suddenly lost their jobs, their investments, their savings, and their homes. And their credit scores suddenly went down the tubes. And what did they do to deserve it? Nothing!
That was when Merlin Auto Club was born. Our premise is simple—people need cars to get to their jobs, make doctor visits, take kids to school and activities, go to church, and do all the things that families do. Why do most dealers and banks make it so hard for hard-working folks to buy a decent car? People need cars, and the vast majority will make their payments, regardless of any “credit score” created by some faceless corporation.
So we said good-bye to the banks. We got rid of the finance companies. We gave the credit score people the boot. And we got back to the old-fashioned principles of finance—face to face, straight talk, trust. To us, our customers are real people, not social security numbers. We know our customers by name, not account number. We don’t even employ commissioned salesmen—no pressure, no games, no slick talk. Our people are simply committed to helping people achieve their transportation goals.
So, if we don’t do credit checks, how do we qualify people? Here are the items for financing approval:
- Down payment
- Current driver’s license
- Insurance
- Debit or credit card
Yes, it’s that simple. Really. NO credit checks. NO utility bills. NO co-signers. NO jacked-up requirements. NO games, NO pressure NO bull. Just straight talk, straight deals, straight cars.
If this sounds good to you, then come visit us. You’ll like what you see!
Merlin
AUTO CLUB
NO-CREDIT-CHECK Financing
(301) 420-9500
Mon-Fri: 9am-6pm EST, Sat: 9am-3pm EST,
Sun: Closed