Frequently Asked Questions About Auto Financing

Why Have Tubbs Brothers Arrange My Auto Loan?

Tubbs Brothers has strong and lengthy relationships with credit unions, banks and auto company finance arms. Let our lender relationships go to bat for you! The volume of loans we provide to our lenders gives us the leverage to arrange better terms for your loan than you could typically get by doing it yourself. We make it incredibly easy to get a great loan at the credit union, bank or finance company of your choice and save you from doing all the leg work!

How Do I Finance Through Tubbs Brothers?

Our financing process is super easy. Select the vehicle you'd like to purchase, complete a credit application online or in person, and Jim Kosecki, our Finance Specialist, research all of your loan options. If approved, you can then choose which finance offer works best for you.

What Is a Credit Score and Why Do Lenders Use It?

Credit reporting agencies have formulas to calculate credit scores to help lenders predict lending risk. Credit scores can typically range from 300s to 800s.  Generally, higher credit scores equate to better financing terms.

Your credit report contains:

  • Your monthly payment history

  • How long you've had established credit

  • The type and total amount of your debts

  • Any public records

How Can I Find Out More About My Score and Credit History?

Visit TransUnionEquifax and Experian. All three are able to provide you with your credit score as well as your credit report.

How Are Auto Loan Decisions Made?

Lenders typically take these factors into account:

  • The Vehicle Itself: Price, model year, equipment and mileage

  • Applicant(s) Information: Employment, income and residence information

  • Credit History: Information listed in your credit file

  • Down Payment: Cash and/or trade allowances

  • Loan-to-value (loan amount vs. the vehicle value)

  • Your debt-to-income ratio (your debt vs. your income)

Do I Have To Put Money Down?
Auto loan down payment amounts are evaluated on a case by case basis.  Some applicants can be approved with zero down, others may need a down payment.

What Would My Interest Rate Be?

Finance rates vary from applicant to applicant and depend on past credit history, the vehicle being purchased, the amount of the down payment, your credit score, and overall market conditions.  We would need to submit your credit application to our lenders to determine your exact APR.

What Is Used When Calculating a Monthly payment?

The amount you're borrowing, the length of the loan and the APR are the most important factors when calculating a monthly payment.

I have credit issues. How Can Tubbs Brothers Help Me?

Over the years, Tubbs Brothers has helped thousands of people with all credit backgrounds. Even people with past credit issues can still enjoy the same low prices, high quality, and extraordinary customer service we give every Tubbs Brothers customer.

Can I Get a Loan If I've Never Financed a Car Before?

Yes, you are a "first-time buyer" in this case.  We have programs for you as well!



  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 6:00pm
  • Wednesday 8:00am - 6:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 6:00pm
  • Saturday 9:00am - 3:00pm
  • Sunday Closed


Tubbs Brothers Ford Chrysler Dodge Jeep Ram

959 West Sanilac Road
Directions 2 Miles West of Sandusky on M46
Sandusky, MI 48471

  • Sales: (810) 648-0000
  • Service: (888) 853-3847
  • Parts: (888) 378-5061

Auto Finance Questions?