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13101 N. Kelley Ave, Oklahoma City, OK, 73131

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Dealership Info

Phone Numbers:Online Showroom Hours:
  • Mon - Sun12:00 AM - 12:00 AM
    (Always Open for Online Shopping)
Sales Hours:
  • Mon - Sat8:30 AM - 9:00 PM
  • SunClosed
Service Hours:
  • Mon - Sat7:00 AM - 7:00 PM
  • SunClosed
Parts Hours:
  • Mon - Sat7:00 AM - 7:00 PM
  • SunClosed

Tips on How to Get Approved for a Car Loan

Bob Howard Acura: Auto Financing FAQ

Knowing how to get approved for a new or used car loan is not that complicated. Many dealerships, however, seem to do their best to make it that way. The Bob Howard Acura Auto Financing Team is here to help break it down for you. If you’re wondering how to get a new Acura or used auto loan, read on. Discover the top auto financing approval questions to ask your dealer.

how to get approved for a car loan

Can You Get A Car Loan At Bob Howard Acura?

Absolutely! Our Acura financing team in Oklahoma City is on site to help you with everything you need to finance your vehicle. In addition to their expert knowledge of all of the different financing programs and options, they have an extensive network of auto lenders, such as banks and credit unions. They are perfectly equipped to provide you with everything you need to finance your new vehicle.

Should I Apply For a new or used car Loan Before or After Picking Out Vehicle?

Do you want to be pre-approved for a specific dollar amount? Or are you looking to finance dream car. Whichever you prefer, our Acura financing team is ready to help you throughout the process.

How Do I Get Approved For An Auto Loan?

Getting approved for an auto loan takes a lot of factors into consideration including your credit history report and your annual/monthly income. While there is not a one-size-fits-all process that will guarantee auto loan approval for everyone, these preparation steps can lower the difficulty level of the approval process.

To get a jump-start on the process, we recommend filling out the dealership’s online financing application before you make the trip to the dealership. When you’re ready to head to the showroom, be sure to bring the following:

  • Valid driver’s license
  • Proof of income (paycheck stubs and/or bank statements)
  • Three to five personal references (name, address, and phone numbers)
  • Down payment (if needed)

Can I Get Approved For A new or used car Loan After Bankruptcy?

Yes, it is possible to get a new or used car loan approval even after bankruptcy, depending on a few factors:

  • Was the bankruptcy a Chapter 7 or Chapter 13 filing?
  • Has the bankruptcy been discharged or are you still in bankruptcy?
  • How was your credit history before filing for bankruptcy?
  • If you do not have a letter from your trustee, you should obtain one.

For a more detailed explanation of how you can get a post-bankruptcy car loan approval, we recommend taking advantage of our financing manager’s auto loan expertise with a quick phone call to (888) 792-3255. There’s no one better equipped to help you find the best ways to get approved, even after bankruptcy.

What Do I Need To Bring With Me To Get Approved For A Car Loan?

It’s always a good idea to come to the dealership prepared for the financing process with the following documents:

  • Valid Driver’s License
  • Proof of Income:
    • If you’re a W2 Employee you’ll need:
      • Recent paycheck stubs
      • If you’re a new employee, a proof-of-employment letter from your employer is a good idea
  • If you’re self-employed you’ll need:
    • Bank statements
    • Tax returns
    • Three to five personal references (name, address, phone number)

These are general documentation requirements. For answers more specific to your circumstances, call one of our team members. We’re more than happy to answer all of your questions and concerns as accurately as possible.

Will Bob Howard Acura Approve Me For a Second Car Loan?

Financing a second car loan is more common than you might think. There are several factors lenders look for when considering financing two or more vehicles at a time:

  • Your credit history
  • Your debt to income ratio
  • Whether you have a cosigner
  • How long you have had your current car loan

For more details, we recommend contacting the dealership financing manager to discuss specifics unique to your circumstances.

Does Acura Finance Bad Credit?

Yes. It’s actually easy to get approved through our finance programs. Most car manufacturers are eager to help their customers build or rebuild their credit by offering financing programs and deals exclusively through Acura dealerships.

Can I Get Approved For A new or used car Loan If I’m Self-Employed or 1099?

Absolutely! Bob Howard Acura helps secure these types of loans all the time. If you are self-employed or an independent contractor (a ‘1099 employee’), all you’ll need to bring as proof of employment is the last three months’ of bank statements, the last two years of income tax returns, and your government issued ID.

I’m A First Time Car Buyer, Do I Need A Co-Signer?

Co-signers are not mandatory for first-time car buyers. It really all depends on your credit history and income. That said, it’s never a bad idea to have someone in mind as a co-signer in case you do need one.

Can I Get A Car Loan After a Repossession?

You may be surprised by this answer, but in most cases, it is possible to get approved for another car loan after you’ve had a repossession. You’ll most likely need a co-signer or a substantial down payment but there are always options for auto loan approval, even after a repossession. For more details, speak to one of our auto financing managers.

Who Has The Best Rates; Car Dealers or The Bank?

In most cases, the car dealership’s interest rates are as good as, and sometimes even better than, the rates you’d get at a bank or credit union. Car dealers use the same banks you have access to, as well as other auto loan lenders. With the lending options, dealerships have available to them, you’ll actually have lenders ‘fighting’ over your loan instead of the other way around.

Learn More About new or used car Loan Approval at Bob Howard Acura

Visit our Acura auto loan financing department in Oklahoma City today to ask all your questions in person. Our team of Acura financing specialists is dedicated to helping customers better negotiate the approval process. To learn more, apply online, call, or visit today.

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Car Loan Approval FAQ – How to Get Approved for a Car Loan | Bob Howard Acura

How to Get Approved for a Car Loan | Bob Howard Acura


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Google Jan 18, 2021

Courteous and professional service. Very happy with work done and reasonable price.

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Google Jan 16, 2021

I initially looked at a 2010 Ford Edge, but decided not to purchase. Looked elsewhere for SUV’s, but ended up going back here and left with a 2013 Acura TL. JT was extremely helpful, but not pushy. He asked about everything I wanted regarding vehicle type and payments etc, he was great! I worked with Tyler in the finance department, and he was great as well, attentive and informative. I’ve only had the car a few hours haha but it was the best buying experience I’ve ever had. I look forward to hitting the highway with my new ride! ...

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Cars Jan 13, 2021

Joni is great. She showed me exactly what I wanted and doesn’t push. I would come back to her for a car. The service department also introduced themselves and offered their assistance. It was a great buying experience.

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Google Jan 10, 2021

Same day service, professional & great communication throughout the process. I highly recommend Tony & the entire service department!

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Google Jan 8, 2021

I am dealing with Covid on a up close & personal level. I took the car in when I had an extra hour. Jeff took great care of me and got me back on the road!

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(405) 753-8770

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13101 N. Kelley Ave • Oklahoma City, OK 73131

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Today's Hours:

Open Today! Sales: 8:30am-9pm

Open Today! Service: 7am-7pm

Open Today! Parts: 7am-7pm

Bob Howard Acura 35.6030368, -97.4968194.