Keys 2 Credit Program

Gerald at Amarillo Mitsubishi - Your Path to Vehicle Ownership

Welcome to Keys 2 Credit

When you call or come by and visit Gerald at Amarillo Mitsubishi, we understand that credit challenges shouldn't stand between you and reliable
transportation.

Our specialized Keys 2 Credit program, led by Gerald, is designed specifically for individuals facing credit obstacles who need a dependable vehicle and want to rebuild their financial foundation.

How Keys 2 Credit Works

Our program takes a different approach than traditional dealerships:

1. Personalized Assessment: We evaluate your unique financial situation, not just your credit score
2. Custom Financing Solutions: We work with multiple specialized lenders who understand credit challenges
3. Affordable Payment Plans: Options tailored to your budget and income stability
4. Credit Building Opportunity: On-time payments reported to major credit bureaus
5. Vehicle Selection Guidance: Help finding reliable options that minimize long-term costs

Common Credit Challenges We Help Overcome

• Bankruptcy (Chapter 7 or 13): Even recent bankruptcies can be worked with
• Repossessions: Previous vehicle repossession doesn't automatically disqualify you
• No Credit History: First-time buyers welcome
• Medical Collections: We understand healthcare costs aren't always controllable
• Divorce Situations: Financial transitions during relationship changes
• Self-Employment: Alternative income verification methods available

Credit Building Fundamentals

Understanding how credit works is essential to improving your financial future:

Credit Score Components

• Payment History (35%): The most critical factor is consistent, on-time payments
• Credit Utilization (30%): How much of your available credit you're currently using
• Length of Credit History (15%): The age of your oldest and newest accounts
• Credit Mix (10%): Having different types of credit (revolving, installment)
• New Credit Applications (10%): Recent credit inquiries and new accounts

How Auto Loans Improve Credit

Auto loans are considered "installment credit" and demonstrate your ability to handle long-term financial commitments. Making consistent payments on an auto loan:

1. Establishes positive payment history
2. Diversifies your credit mix
3. Builds lender relationships for future purchases
4. Creates a record of successful credit management

The Keys 2 Credit Advantage

Expertise & Understanding

Gerald brings years of specialized experience working with credit-challenged customers. He understands that financial setbacks happen to good people, and believes everyone deserves a second chance at building reliable transportation and financial stability.

Lender Relationships

We've cultivated relationships with numerous specialized lenders who focus on credit rehabilitation programs. These partnerships allow us to find financing options where traditional dealerships cannot.

Transparent Process

We believe in complete transparency throughout the financing process. You'll understand your interest rate, payment terms, and exactly how your new auto loan will affect your credit rehabilitation journey.

Ongoing Support

Our relationship doesn't end when you drive off the lot. Gerald remains available to answer questions about your loan, credit building strategies, and future vehicle upgrades as your financial situation improves.

Success Stories

"After my divorce, my credit was devastated. Gerald didn't just get me into a reliable Outlander—he helped me understand exactly how to rebuild my score. Two years later, I've improved by over 100 points." – Sarah T.

"As a self-employed contractor, traditional financing was impossible. The Keys 2 Credit program found me a loan that worked with my irregular income, and I never felt judged about my past credit issues." – Michael R.

"I had a repossession 18 months ago and assumed no one would help me. Gerald found a lender, got me affordable payments on a Mitsubishi Mirage, and helped me create a budget to ensure success." – David L.

Getting Started

Step 1: Initial Consultation

Contact Gerald directly at [phone number] or complete our online pre-qualification form. This conversation is completely confidential and helps us understand your unique situation.

Step 2: Financial Assessment

We'll review your current income, expenses, and credit situation to determine the best approach for your circumstances.

Step 3: Vehicle Selection

Based on your budget and needs, we'll identify reliable vehicles that minimize long-term ownership costs while providing dependable transportation.

Step 4: Lender Matching

We'll match your profile with our network of specialized lenders to find the most favorable terms available for your situation.

Step 5: Delivery & Credit Success Plan

Drive home in your new vehicle and receive a customized plan for maximizing the credit-building benefits of your auto loan.

Frequently Asked Questions

Q: My credit score is below 500. Can I still qualify?
A: Yes! We regularly work with scores across the spectrum, even below 500.

Q: How much down payment will I need?
A: Down payment requirements vary based on your specific situation. We work to find the most affordable solution possible, and in some cases, can arrange financing with minimal down payment.

Q: Will this hurt my credit score more?
A: We utilize specialized soft-pull pre-qualification processes whenever possible to avoid unnecessary credit inquiries. When a formal application is necessary, we strategically submit to the most appropriate lenders to minimize credit impact.

Q: I'm currently in an open Chapter 13 bankruptcy. Can I still get approved?
A: In many cases, yes. We'll work with you to obtain the necessary trustee approval and find lenders who specialize in open Chapter 13 situations.

Q: How quickly can I refinance to a better rate?
A: Most customers who maintain perfect payment history can explore refinancing options after 12-18 months, often with significantly improved terms.

About Gerald

Gerald has specialized in credit-challenged automotive financing for over 16 years, helping hundreds of Amarillo residents rebuild their credit while securing reliable transportation. His approach focuses on education, transparency, and long-term financial success for his clients.

Contact Information

Gerald - Keys 2 Credit Specialist
Amarillo Mitsubishi
4341 Canyon Drive Amarillo, TX 79110
1-833-FIX-LOAN
grussell@drivewithgerald.com

Hours:
Monday-Friday: 9am-7pm
Saturday: 10am-5pm
Sunday: Closed
Evening appointments available upon request

The Keys 2 Credit program at Amarillo Mitsubishi is designed to help credit-challenged customers obtain reliable transportation while rebuilding their financial foundation. All financing is subject to lender approval. Results may vary based on individual circumstances.