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ADU FAQ

What Is Required For The No Credit Check Financing?

  • Valid Utah Drivers License or Driving Privilege Card.
  • Pay Stub is required for W2 employees. 1099 employees will be automatically enrolled in weekly payments.
  • Proof of Residence. (Mail with your name and address on it)
  • Insurance Declaration page will be required before you can leave with the vehicle. The Declaration page needs to include the following information:
  1. You listed as Named Insured. You cannot just be a driver on someone elses policy.
  2. Collision Deductible has to be $500 or less.
  3. Make, Model, and Vin.
  4. Minimum Liability Limits of $50K/$100k/$50K.
  5. Lien Holder listed as: Green Light Auto Solutions PO Box 17556 SLC UT, 84117.
  • Down Payment.

How Does Our No Credit Check Financing Work?

  • It is a short term solution limited to just a 24 month term.
  • Payments are scheduled based around your payroll frequency. If you get paid every two weeks, your car payment will be split up and due every 2 weeks. If the car is $360 monthly, you’ll pay $180 every 2 weeks.
  • It is a lease to own. Not to be confused with rent to own, or buy here pay here. Typically leases are reserved for those with excellent credit. This lease has a maximum vehicle value of $8,000. This structure allows you to establish equity in the vehicle. For example; if the car is worth $7,800 and you pay on the car for 24 months. The payoff amount is 2k, you have established $5,800 in equity.
  • At the end of 24 months you have 4 options:
  1. Leverage your equity by trading the vehicle in and applying the established equity towards the cost of different vehicle.
  2. Sell the vehicle, pocket the difference.
  3. Keep the car & make last payment.
  4. Turn the car in. (Not recommended)
  • Traditional financing through that of a Credit Union is ALWAYS going to be your best option. If that is not an option for you, this is your next best option. High risk loans can end up costing you double and sometimes triple the vehicles value. The negative equity is almost impossible to get out from under.

What Is The Interest Rate?

  • There isn’t one. This program is structured more like a lease which actually works out to your benefit. As previously mentioned this helps you avoid high interest and long term commitments that ultimately bury you in negative equity. With this structure, you’re able to avoid that all together and establish equity much faster.

How Much Does The Car Cost?

  • In order to make this No Credit Check program work for you, we sell the vehicle at clean trade value. Which means you’re getting the car for what Dealers would pay you for your vehicle if you’re lucky. Often times what you’re really asking is, “How much will this cost after financing?”. We will be able to provide you your net cost for the vehicle after financing. On average you’re only going to be in 1k-2k over book, which is pretty dang good.

What’s The Catch?

  • There is no catch. This is the most simple experience you will ever have buying a car. We guarantee it.

Additional Benefits

  • Your vehicle will be covered with a Powertrain Warranty for the entire duration of your lease.
  • You will also receive Free Oil Changes and Tire Rotations for the entire duration of your lease.

How Do I Get Started?

  1. Click on this link -> Pre-Approval Application
  2. Schedule an appointment -> Schedule Appointment
  3. Take a picture of your Pay stub, Drivers License, and a piece of mail with your name and address on it. Email those items to [email protected]

Additional Questions?

  • Call Talinn Jacobson @ 801-337-9985

We look forward to helping you!

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