FINANCING FAQ'S



You have questions, we have answers

We know that you may have more questions than listed here and we welcome every single one of them. In the event your question is not answered below, please know you may always call a Rubio Auto Sales associate at any time During Our Regular Business Hours.
Start by filling out and submitting our online application. You can also call or stop in at the dealership and someone will gladly work with you to start or complete your application. We consider approvals based on several factors like: time on the job, ties to the area, your monthly income and expense, ability to pay, explanation of credit history and the honesty and accuracy of the information you give us. To get started, you will need:
  • A valid state or government-issued ID card or current passport. For example, a valid FL driver’s license.
  • Proof of income (a hard-copy check stub less than 30 days old, proof of check from the government, proof of regular payments from elsewhere). Proof of residency (rent receipt or a copy of a utility bill).
  • Current Phone bill. Four (4) references (with complete contact info).
  • Title of a vehicle if one is being traded-in.
  • Cash for your down payment.
  • A commitment to the Rubio Auto Sales program to advance and rebuild your credit.
We can usually have your loan application approved and be driving the same day. and you’ll be on the road in your new vehicle the same day.

We run a soft-credit pull during the pre-approval process, that does not impact your credit score. However, a formal credit pull is necessary for the final approval process. This process allows us to establish your account and report your on-time payments to the credit bureaus as we assist you in rebuilding your credit.

Yes; We can still get you approved even with prior repossessions.

No problem. You’ve come to the right place. We specialize in financing customers with less-than-perfect credit scores or even no credit at all. Our finance company considers a number of key factors during the underwriting process for approval; not only your credit history or your credit score.

Down payments will vary based on several factors. Our finance company considers, the year, make, model of the vehicle, income, credit history, and the amount of money you feel comfortable putting into the deal. Typically, more money down will help lower your payment. If more money is needed, we will let you know exactly how much. Please note that we do accept most trades, and all equity in your trade will count toward your down payment amount.

All of the following are acceptable methods of payment: cash, debit card, credit card, or money order.

Payments can be made 24/7 either online at rubioautosales.com or by calling our phone system at (305) 749-2348.
During normal business hours, you may contact a customer relations representative to make a one-time payment or to set up recurring payments by calling (305) 749-2348.

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