Starting point 01
$2,500+ in gross monthly income
This means documented income before taxes. The supporting documents can look different depending on how you earn your income.
A clear place to begin
Two starting points. One honest conversation.
Review the criteria Rodney currently publishes, take a private self-check, and learn what to bring before you call, text, or apply.
Published starting criteria
The criteria currently shown on Rodney’s site.
These are practical starting points for a conversation. They are not an approval decision, and a lender must review a completed application before any final terms are available.
Starting point 02
No repossession in the past 12 months
Older credit challenges may still be worth discussing. Rodney can help you understand which details and documents may be useful for the next conversation.
Private self-check
Answer two questions—nothing is saved.
This check only compares your answers with the two published starting points. It does not submit an application, pull credit, or make an approval decision.
- No Social Security number
- No contact details requested
- Nothing is submitted
Rather talk it through?
Call Rodney at (910) 284-9770
Published criteria · private check
Where do you stand today?
Choose one answer for each question to see the suggested next step.
Prepare for the conversation
What to bring when you’re ready.
Having a few basics ready can help Rodney understand your situation and explain the next step more clearly.
- A valid driver’s license
- Recent proof of income
- Proof of your current residence
Income documentation
Bring what reflects how you are paid.
W-2 employees may use recent pay stubs. If you receive 1099 income, are self-employed, or rely on fixed income, ask Rodney which recent statements, tax records, or award letters may help document it.
Rodney can confirm what to gather before you make the trip.
Ask Rodney what to bringCommon questions
Straight answers, no runaround.
Understand what the first step can—and cannot—tell you before sharing an application.
Have another question? Text RodneyDoes a low credit score automatically disqualify me?
No single website answer can decide that. Rodney’s published starting criteria focus on documented income and recent repo history, while final decisions remain with the lender.
What should I bring to the dealership?
Bring a valid driver’s license, proof of income, and proof of residence. If you have a trade-in or down payment, mention it when you talk with Rodney.
Can self-employed or 1099 income count?
It may. Bank statements, tax returns, or other documentation can help show consistent income. Rodney can explain what to gather before you visit.
Is pre-qualification a financing guarantee?
No. Final approval, rate, payment, and terms depend on a completed credit application and lender review.
Your next step
Think you match the starting point?
Start the short pre-qualification form, or ask Rodney to talk through your situation first.
Talk directly with Rodney
(910) 284-9770
Call or text with questions about the starting criteria.