: These lots offer in-house financing and often do not perform credit checks. Your eligibility is based on income and a down payment rather than your credit history, making it possible to get a car immediately after a repo.
If you cannot wait a year for a traditional or subprime loan, you have a few alternative paths: buying a car with bad credit and a repo
When applying for special financing, be prepared to provide extensive documentation to prove your ability to pay: How to Navigate Dealerships That Work with Repossession : These lots offer in-house financing and often
Buying a car after a repossession is possible, but it requires strategic timing and preparation. A repossession typically drops a credit score by and remains on your credit report for seven years . Most traditional lenders and subprime financiers require you to wait at least 12 months after the repo before they will consider a new loan application. Immediate Financing Options A repossession typically drops a credit score by
: Having someone with strong credit co-sign can significantly increase your approval odds and potentially secure better terms, though they become legally responsible if you fail to pay. Requirements for Approval
: Buying an inexpensive used car with cash is the fastest way to get back on the road without the high interest rates typical of bad-credit loans.
Pete Miller is the President and CEO of the ministry. He has served on the management team of Need Him Global since 2011 and has been on the board since 2008. Pete is responsible for managing the staff along with all strategic and operational elements of the ministry including media, information technology, finance, volunteer services and partnerships.
Chris Schultz is the Chief Operating Officer. He is responsible for all ministry operations and partnerships related to technology, systems, training, volunteer services and the Resident Leadership Program.
Julie Schaeffer is the Director of Development. She is responsible for communication and coordinating activities with the financial supporters of the ministry. She has been with Need Him Global since 2013. She also has responsibility for coordinating all local and regional events along with leading the ministry prayer team.
Karen Parrish is the Director of Finance for the ministry. She has been with Need Him Global since April 2011. Her responsibilities include coordinating the annual financial audit & tax return, overseeing donation deposits, preparing vendor payments & staff payroll, and coordinating employee benefits.
Cathy is the Data Management Coordinator for the ministry. She joined the team in 2018 and is responsible for managing and maintaining all internal databases, processing gifts and donor receipts, assisting with partner communication and supporting of volunteer services.
Ryan has been with the ministry in different capacities since 2023. He is responsible for vetting new Responder applicants, as well as supporting, coaching, and developing the Responder community. Additional responsibilities include continuing development of the training requirements and ongoing evangelism education for the Responder community.