Get Pre-Approved for Auto Financing — Dustin at Lee Auto Group Tampa

Dustin at Lee Auto Group Tampa works with 20+ banks, credit unions, and specialty lenders to get you approved — regardless of your credit situation. Bad credit, no credit, first-time buyers, prior bankruptcies, repossessions — Dustin has a path for every situation. Most buyers get a same-day decision. Call or text (813) 727-7168 to get started.

We Finance Every Credit Situation

  • Excellent credit (720+) — lowest available rates through our lender network
  • Good credit (650–720) — competitive rates with flexible terms
  • Fair credit (580–650) — multiple lender options with reasonable rates
  • Bad credit (500–580) — specialty subprime lenders with proven approval track records
  • Very low credit (400–499) — down payment and income can often overcome low scores
  • No credit history — first-time buyer programs focused on income and employment
  • Prior bankruptcy (Chapter 7 or 13) — approvals available same day after discharge
  • Prior repossession — approved as little as 6–12 months after incident
  • Self-employed — 2 years of tax returns or 12 months of bank statements

What to Bring for Fast Approval

  1. Valid ID — Florida driver’s license or state-issued ID
  2. Proof of Income — two most recent pay stubs or bank statements (self-employed: tax returns or 12 months bank statements)
  3. Proof of Residence — utility bill, lease, or bank statement dated within the last 30 days
  4. Personal References — 2–3 references with phone numbers
  5. Down Payment — amount varies by situation; some programs require $0 down

How the Approval Process Works

  1. Submit your information online or call/text Dustin at (813) 727-7168
  2. Dustin reviews your full profile — income, employment, credit, down payment
  3. Your application is submitted to multiple lenders simultaneously for the best rate
  4. You receive an approval with payment options — usually within 15–30 minutes
  5. Choose your vehicle and drive home the same day