Sales & Service: (785) 238-5368 1737 N Washington St., Junction City, KS

Apply for Credit

Get pre-approved in minutes. We work with all types of credit.

Sent directly to our finance team

Your application is transmitted over a secure (TLS) connection and delivered straight to our finance manager's CRM. We don't store any of this information on this website — once your application is sent, it lives only in our private dealership system.

Step 1 of 2 General info

General info

Contact information

First name *

Middle initial

Last name *

Suffix

Email *

Phone *

Vehicle of interest

Year, make, model — or stock number

Optional — helps our finance team prepare the right numbers for you.

Credit application details

Personal details

Date of birth *

Social Security number *

Driver's license #

DL state

Marital status

Alt phone

Current residence

Street address *

Apt / unit / suite

City *

State *

ZIP *

Housing status

Monthly housing payment

Years at address

Months at address

Add previous address (recommended if less than 2 years at current)

Previous street address

City

State

ZIP

Years

Months

Employment & income

Employer name *

Position / title

Employer phone

Years at job

Months at job

Monthly gross income (before taxes) *

Other monthly income

Other income source

Alimony, child support, or separate maintenance income need not be revealed if you do not want it considered as a basis for repayment.

Add a co-applicant

Apply jointly with a spouse or partner. Co-applicants provide the same information as the primary applicant.

Payment goals

Target monthly payment

Down payment

Anything else?

FCRA / credit pull authorization. By submitting this application you authorize D.E.L. Motors and any lender it submits this application to, to obtain a consumer credit report and verify the information on this application. You agree that the information you have provided is true, complete, and correct.

USA PATRIOT Act notice. To help the government fight the funding of terrorism and money laundering, federal law requires lenders to obtain, verify, and record information identifying each person who applies for credit.

Electronic signature consent. By checking the box below and pressing Submit, you adopt an electronic signature for this application and agree that it has the same legal effect as a handwritten signature.

I have read and agree to the FCRA disclosure, USA PATRIOT Act notice, and electronic signature consent above. I authorize a credit report to be obtained for this application.

Frequently Asked Questions About Financing

Is my information stored on the website?

No. Your application is transmitted directly to D.E.L. Motors' customer management system over an encrypted (TLS) connection. It is never stored on the website or by our platform provider (spif.io). D.E.L. Motors is the sole custodian of any information you share.

Why does the form ask for my Social Security number?

Lenders need your Social Security number to obtain your credit report and verify your identity, which is required to evaluate your application and offer financing. By submitting the form, you authorize us to obtain a credit report for the purpose of evaluating your application.

What should I include in my income for an auto loan?

Use your verifiable income that is consistently coming in each month. Know that you could be asked to provide proof of your income with paystubs, tax returns, bank statements, W-2s, social security statements, disability payment statements, or documentation for investment returns or earnings.

What does my credit score tell lenders about me?

A credit score is a number believed to represent your creditworthiness based on your past actions. It tells a bank or lender how likely you are to pay your bill on time. The evaluation that determines your credit score is a combination of your payment history, debt management, the utilization of your available credit, and the ratio between your debt and your income.

What is considered a high debt-to-income ratio?

Your monthly debt obligations will typically include things like your Clay Center mortgage or Junction City rent, car loans, student loans, credit card bills, and other payments that are more long-term. When the total of these items reaches more than 43% of your income on a monthly basis, you have a high debt-to-income ratio. When that ratio reaches more than 50%, you will be considered a high-risk borrower.

Do personal loans impact my credit score?

If you apply for a personal loan, the lender will run what is called a hard credit check that accesses your credit report. These inquiries can impact your credit score by as much as 10 points. But that decline will only last for a short time.