Students Ex-pats

At Allied Automotive we know, first hand, that for certain individuals who could easily handle financing or leasing a vehicle, getting a financial institution or bank to agree on that matter can be next to impossible. These unique groups of individuals we are referring to are students, both foreign and domestic, as well as for ex-patriots that have just arrived in this country and plan to live here for a while for business purposes. Though the reasons why this is so are numerous the most common ones are no credit history, no cosigner and no social security number.
 
Over the past few years certain financial institutions have come to learn that students in this country, especially those that come here from abroad, as well as ex-patriots, some with very high paying jobs, were having difficulty acquiring a vehicle. Even though they have enough criteria and resources that show they could afford one, not having any credit history, no cosigner and no social security number was an obstacle that could not be overcome by almost all financial institutions and banks across the country.
 
If you fall into this category then Great News! There is a very viable and sensible solution that can get you driving, and quickly! We are now partnered with financial institutions and can offer reasonable auto financing and leasing solutions to these groups of individuals. You can finance or lease a new or pre-owned vehicle.
 
Here’s how it works…
 
The process is simple and once you’ve completed the application and met all the requirements we can get you a decision in as little as 24 hours and have you driving in even less time than that!
 
Everyone Deserves to Build Credit and Establish Financial Security in the US
College students and professionals can start the application online without a credit history, social security number or cosigner. Besides American Citizens we can also accept application for auto financing and leasing from:

• F1 holders
• OPT holders
• H1B holders
• G holders
• L-1 holders
• J-1 holders
• O-1 holders
• Green Card holders.

 
 
FOR STUDENTS:
Students are evaluated by their educational background, banking, and earning potential to obtain the necessary financing with the lowest rate possible. A minimum GPA of 2.0 for undergraduates or 3.0 for graduates is required. 
 
FOR PROFFESIONALS & OTHER FOREIGN IDIVIDUALS:
You are evaluated based on banking and earning potential as well other criteria. Each individual will have different circumstances and needs which will be all taken into consideration during the decision process to obtain the necessary financing with the lowest possible rate.


GENERAL CRITERIA REQUIRED FOR AUTO FINANCING & LEASING

• Over 18 years old
• For students you must be enrolled in a U.S. college or university. For the application process your most recent transcript is required. (transcript is not required for the preliminary questionaire)
• For all others including professional, ex-patriots and all foreigners you must be employed and residing in the US
• US Citizens, Green Card holders or F-1 / OPT / H1B / J1 / L / O-1/ G Visa

 
AUTO FINANCE

• Model year of 2012 or later with 70k or less miles, no accident records on CARFAX Minimum amount $5,000
• At least 25% down payment
• Loan term between 12 and 60 months

 

The following examples show the APR, monthly payment and total payment during the life of a $15,000 auto loan. The actual loan amount, term and APR you qualify for may be different than the ones in these examples and will be based on your financial history and other factors. Origination fee may apply depending on your state. State restrictions may also apply.

Payment Examples

 
AUTO LEASE

• Model year 2015 or later with 36,000 or less miles, no accident records on CARFAX
• Lease term of 12, 24 and 36 moths

 
REQUIRED DOCUMENTS

• US Citizens: US Drivers License or learners permit
• US Green Card Holder: US Drivers License or learners permit; I-20 or other legal documents
•  A Us Bank Account: Verify your bank information with 3^rd Party vendor or provide electronic bank statements

US STATES SERVICED
We are a non-franchised independent dealer licensed in the State of New Jersey. Although we are authorized sell vehicles to persons and businesses in all 50 States some of the financial institutions we are partnered with are limited to offering their products in certain areas.
Here is a list of States where we have the most resources to provide the types of financing and leasing that has been covered here. If the State where you reside is not listed here contact us and we will see if we have an alternate solution to procure financing or leasing for you.
 

Alabama	Kansas	Pennsylvania
Arizona	Massachusetts	South Carolina
Arkansas	Michigan	Texas
California	Nebraska	Utah
Colorado	New Jersey	Vermont
Connecticut	New Mexico	Virginia
Florida	New York	Washington
Georgia	North Carolina	Wisconsin
Illinois	Ohio	Wyoming
Indiana	Oklahoma
Iowa	Oregon

To start the process  just choose a pre-owned vehicle from our inventory here.

If you are interested in a new vehicle please contact us using the vehicle request form and one of our sales professionals will assist you with locating the vehicle of your choice, along with the pricing from an authorized dealer in our group that we are affiliated with. You can also tell us what vehicle you are interested in when filing out and submitting the preliminary questionaire. 

The next step is to fill out this preliminary questionaire so that we can direct you to fill out the credit application with the finanicial institution that is most apt to give you the best rates with regard to your status and the vehicle you are intersted in acquiring.

NOTE: If you don’t see the vehicle you are looking for, or if you are looking to acquire a new vehicle and you haven't made up your mind and you are still undecided on which vehicle you would like to acquire, or if you would like to just find out if you qualify and what you could possibly qualify for you can still fill out the  preliminary screening questionaire and even submit a credit application to start the decision processing which will help save time and get you driving once we’ve located the vehicle you want to acquire. Also your credit history is not affected until you actually sign all the paperwork to start your loan and take possession of your new vehicle.

*State restrictions may apply.
† To qualify for the lowest rates, you must have a responsible financial history and meet other conditions.
‡ To check the rates and terms you qualify for, a soft credit inquiry that will not affect your credit score will be conducted. A hard credit inquiry will only appear after you sign your loan agreement and thus may affect your credit score.
Allied Automotive is a licensed non-franchise dealer