Our Mission - Your Pathway To Success

At Navicar, approvals are based on real qualifications — not just a credit score. We believe in giving second chances, but success requires a strong foundation. That’s why every approval is built on three key components:

1. Equity

   A down payment shows commitment and reduces risk.

   • Minimum Down Payment: 10% of list price, based on qualifications

   • Larger down payments may qualify you for a wider range of vehicles

   • If you have limited stability, you will need a substantially larger down payment

2. Ability

   You must be able to afford the payment on the vehicle you’re choosing.

   • Minimum Income: $3,100 per month, before taxes

     1. Nothing replaces the ability to make a payment except more income.

3. Stability

   We look for consistency in your work and living situation. This includes:

   • Must have a valid driver’s license

     1. Time on the job

     2. Length of residence

     3. Rent or mortgage history

     4. Verifiable items such as cell phone, email address, valid driver’s license, and proof of residency (bills at that residency in your name).