The staff at OYS Auto is here to try and help everyone get a vehicle. If you think you have a low credit score or no credit score there are some things you can do to help us help you. When you come in to see us please bring in the following items.

  • 2 of your most current paystubs from each job you may have (this will be needed for each person applying for credit)
  • 30 to 90 days of bank statements
  • Any/All award letters for SSI or SSD (dated within 11 months)
  • Drivers License, Permit or ID Card
  • 1 Piece of mail proving the address you will using to apply for credit
  • W-2 from previous year (depending on the time of year you are applying for credit this may be required)
  • $500 Deposit to mark the vehicle sold and is required to get a full approval, not just a conditional approval from the lender