Which Underrated Used Cars Are Hidden Gems Worth Considering?

The following information will be used to process your credit application. You may apply for joint credit by selecting the 'Add Co-Applicant' button.

First Name *

Last Name *

Phone Number *

Email Address *

Date of Birth *

SSN

ITIN

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Add Co-Applicant

First Name *

Last Name *

Phone Number *

Email Address *

Date of Birth *

Relationship Type *

SSN

ITIN

No SSN

We will keep your information safe and secure.

This is an application for joint credit with another person.
We intend to apply for joint credit.Please check the boxes below to confirm and continue.

* By clicking this box, I intend to appy for joint credit.

* By clicking this box, I confirm that the co-applicant intends to appy for joint credit.

Next we need to know your current address and the length of time that you have lived at that address.

Current Residence

Address *

Address 2

City *

State *

Zip Code *

Residence Type *

How long have you lived there? *

Years

Months

Driver's License Info

License Number *

License State *

Identification & Proof of Residence

Co-Applicant Current Residence Use same address as of applicant

Address *

Address 2

City *

State *

Zip Code *

Residence Type *

How long have co-applicant lived there? *

Years

Months

Co-Applicant Driver's License Info

License Number *

License State *

Identification

Here you will be asked for information about your income and employment

Current Employer

Employment Status *

Employer Name *

Employer Phone *

Job Title *

Job Type *

How long have you worked there? *

Years

Months

Employer State

Employer Zip

Employer Address

Employer City

Gross income *

Your income ( before tax) including salary, wages, overtime and bonuses.

Income Type *

Add Secondary Source of Income

Source of income *

Other gross income *

Alimony, child support or separate maintenance does not need to be revealed if you do not want it considered when repaying this obligation

Proof of Income

Co-Applicant Income Info

Current Employer

Employment Status *

Employer Name *

Employer Phone *

Job Title *

How long have co-applicant worked there? *

Years

Months

Employer Address

Employer City

Employer State

Employer Zip

Previous Employer

Employer Name *

Employer Phone *

Job Title *

How long have co-applicant worked there? *

Years

Months

Employer Address

Employer City

Employer State

Employer Zip

Employer Zip *

Your income (before tax) including salary, wages, overtime and bonuses.

Income Type *

Add Secondary Source of Income

Proof of Income

The last information that we need from you is about the vehicle you are interested in purchasing or leasing, and whether you are trading in a vehicle

Finance Info

Down Payment *

Term(Months) *

Vehicle Info *

Do you have a car to trade-in ? *

Sales Representative

Finance Representative

Please scroll down and review all entered information. Press Apply at the bottom of the page to continue the application process.

Personal Info

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Name

E-mail Address

Phone Number

Date of Birth

Address Info

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Address

Residence Type

Time At Address
years months

Driver's License Number

Driver's License State

Employment Info

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Employment Status

Job Title

Employer Name

Employer Phone

Employer Address

Time at Job
Years Months

Gross Income

Social Security Number

Finance & Vehicle Info

Edit

Down Payment

Term(Months)

Vehicle

Do you have a car to trade-in ?

Sales Representative

Finance Representative

Identification

Attachments

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Proof of Income
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Photo ID
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Consent and Disclosure

Please review the consent and disclosure notice and click the required box(es) to continue your application

You understand that by clicking on the I AGREE button immediately following this notice, you are providing 'written instructions' to USA Direct Auto under the Fair Credit Reporting Act authorizing USA Direct Auto to obtain information from your personal credit profile or other information from Experian. You authorize USA Direct Auto to obtain such information solely to conduct a pre-qualification for credit .

* By clicking this box, I agree that this credit application is an electronic credit application submitted using electronic means and such means signifies my intent to submit this credit application to USA DIRECT AUTO to the same extent as if I had executed the credit application using my written signature.

Dealer Privacy Notice

Please review USA DIRECT AUTO 's privacy notice and click the box at the bottom of the page to acknowledge.

This Vehicle Purchase, Financing, and Authorization Agreement (“Agreement”) is entered into by and between USA Direct Auto, a licensed motor vehicle dealer (“Dealership”), and the undersigned customer (“Customer”). By signing below or electronically consenting, the Customer agrees to the following terms and conditions.
The Customer acknowledges that any payment made to USA Direct Auto, whether described as a deposit, earnest money, down payment, or advance payment, is considered a Deposit/Down Payment. This payment is made to secure the purchase, financing, or reservation of a specific vehicle. The identified vehicle (“Vehicle”) shall be the one described in the corresponding purchase order, retail installment contract, or related financing documents.
The Customer understands and agrees that any Deposit/Down Payment made to USA Direct Auto is non-refundable, except as otherwise expressly stated in this Agreement. The non-refundable nature of the payment applies when the Customer chooses not to proceed with the purchase for any reason not caused by the Dealership, fails to obtain financing, or cancels the transaction after submitting the deposit. The Deposit/Down Payment serves as consideration for reserving the Vehicle, removing it from the market, covering administrative and credit processing costs, preparing financing, arranging delivery, and compensating the Dealership for lost opportunities during the hold period. This payment demonstrates the Customer’s commitment to proceed in good faith toward the purchase of the Vehicle.
Upon receipt of the Deposit/Down Payment, the Dealership may hold or reserve the identified Vehicle for the Customer for a reasonable period or until completion of the transaction. If the Customer fails to finalize the purchase within that time, the Dealership may, at its discretion, retain the Deposit/Down Payment in accordance with this Agreement.
The Customer understands that exceptions for refund may apply only if USA Direct Auto fails to deliver the exact Vehicle specified in writing, commits a material breach of its obligations, or fails to meet any written contingency agreed upon in advance. These situations may entitle the Customer to a refund as required by applicable Texas or federal consumer protection laws.
The Customer further acknowledges that there is no automatic “three-day right to cancel” or “cooling-off period” for vehicle purchases made at a dealership. Once the contract is signed and the Vehicle delivered, the sale is final unless otherwise provided by law.
By signing below, the Customer authorizes USA Direct Auto, its agents, or lenders to obtain consumer credit reports, verify employment and income, contact employers or financial institutions, and confirm any information provided in the credit application or purchase documentation. The Customer consents to both soft and hard credit inquiries as needed for financing or prequalification purposes. The Customer also authorizes the Dealership to communicate via phone, text, email, and other electronic means for the purpose of completing financing, verifying information, and providing updates related to the purchase or services rendered. Standard message and data rates may apply.
The Customer affirms that all information provided is true and accurate, and acknowledges that any falsification may result in denial of financing or termination of the transaction. The Customer understands and accepts that USA Direct Auto reserves the right to cancel or rescind approval if false or misleading information is discovered after the fact.
This Agreement represents the entire understanding between the Customer and USA Direct Auto with respect to the Vehicle, Deposit/Down Payment, and related financing matters. It supersedes all prior oral or written statements regarding these topics. Any modification to this Agreement must be made in writing and signed by both parties to be valid.
This Agreement shall be governed by and construed under the laws of the State of Texas. Venue for any dispute arising from this Agreement shall be proper in any county where USA Direct Auto maintains a business location or where the transaction occurred.
The Customer acknowledges that they have read and fully understand this Agreement, have been given the opportunity to seek independent legal or financial advice, and are entering this Agreement voluntarily and without coercion.
By signing below, the Customer affirms their acceptance of all terms and authorizes USA Direct Auto to proceed with the credit review, vehicle reservation, and purchase process.

By signing I am acknowledging receipt of a copy of this Privacy Notice.
	2025-11-22
Customer Signature	Date

* I have read and acknowledged USA DIRECT AUTO 's privacy notice.

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You've completed the online credit application. As a next step, a representative from our dealership will be in touch with you to let you know the results of your credit application.

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Add Co-Applicant

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Add Secondary Source of Income

Personal Info

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Finance & Vehicle Info

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APPROVED

Consent and Disclosure

Dealer Privacy Notice

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