Getting you from point (a) to point (b)
When the car was first invented, it was considered a novelty. It was considered a luxury to own. Back then, the horseless carriage was something to turn heads and impress neighbors. The affordability of a vehicle has changed or evolved over the years. If you wanted a vehicle you needed to save money... "making-payments" wasn't even a thought.
Most people would figure out other ways to get around until they could SAVE enough money to buy and own their transportation. Today, the choices for purchasing a vehicle are limited if you want favorable terms. Our foundation is the only solution where you can save money and complete a program designed to help you own a vehicle with terms that make sense!
Most people would figure out other ways to get around until they could SAVE enough money to buy and own their transportation. Today, the choices for purchasing a vehicle are limited if you want favorable terms. Our foundation is the only solution where you can save money and complete a program designed to help you own a vehicle with terms that make sense!
We focus on helping you...
Have you got turned away from a dealership because you don't have enough time on your Job? Maybe you just got out of school and you just started a new job? Perhaps you lost your job a month or so ago? Most dealerships require at least six months of solid employment history before they approve you. With our program, as long as you can pay... you're qualified!
If you have Bad Credit or No Credit you will get "declined" from most dealerships. If you do somehow get approved, it's going to be "ugly". Ugly in the sense that you are going to over-pay big-time. The dealer will over charge you for the vehicle, add a ton of junk fees and tack on high interest rates and finance charges. By the time the dealer is done with you, you're paying $500/mo for 6 years...$30k to $36k or more for a vehicle worth maybe $10k! With our program, as long as you can pay... Credit is not a factor in your qualification and you'll own your vehicle in 18 months, and only pay $18k, NOT $36k.
Did you get declined because the dealer said you don't have enough income? We have a solution for that. We not only show you how, but we also help you generate extra income so that you can pay off your vehicle in 18 months instead of 5 or 6 years. Therefore, with our program, as long as you follow our guidance and plan, you will be able to pay for your vehicle... and that makes you qualified!
Did a dealership turn you away because you only had $500 to $800 for a down payment? To get started in our program you need $1,000. If you only have $500 to $800 or anywhere in between, don't worry, we will help you make that difference up and ultimately get you into a vehicle. With our program we tend to focus on Solutions, instead of turning you away!
If you have Bad Credit or No Credit you will get "declined" from most dealerships. If you do somehow get approved, it's going to be "ugly". Ugly in the sense that you are going to over-pay big-time. The dealer will over charge you for the vehicle, add a ton of junk fees and tack on high interest rates and finance charges. By the time the dealer is done with you, you're paying $500/mo for 6 years...$30k to $36k or more for a vehicle worth maybe $10k! With our program, as long as you can pay... Credit is not a factor in your qualification and you'll own your vehicle in 18 months, and only pay $18k, NOT $36k.
Did you get declined because the dealer said you don't have enough income? We have a solution for that. We not only show you how, but we also help you generate extra income so that you can pay off your vehicle in 18 months instead of 5 or 6 years. Therefore, with our program, as long as you follow our guidance and plan, you will be able to pay for your vehicle... and that makes you qualified!
Did a dealership turn you away because you only had $500 to $800 for a down payment? To get started in our program you need $1,000. If you only have $500 to $800 or anywhere in between, don't worry, we will help you make that difference up and ultimately get you into a vehicle. With our program we tend to focus on Solutions, instead of turning you away!
Consider your Options...You could go visit that intimidating "buy-here, pay-here" dealership. You get all excited about a vehicle until they take you inside where they can "crunch-the-numbers". The first thing they ask you is....
"Do you know how good or bad your credit is?" If you have bad credit they are in control of the terms of your purchase, if you want to leave with a vehicle. That means you'll end-up paying more for the vehicle. That's just the way it is. You will have to pay retail and they are going to add dealer fees to what will be a very high interest loan. |
Don't Let Bad Credit Cost You...The experts say that approximately 88% of the car-buying population has bad credit. How can you buy a reliable vehicle with bad credit and expect to get a great price, a low interest rate and other favorable terms?
The answer is ... YOU CAN'T with anybody but us! With our program your Credit isn't even a factor. You're not applying for a loan. Their is NO INTEREST. You simply have to be able to make higher payments for a shorter time frame, like 18 months, instead of 5 or 6 years. If you need help figuring that out, we got you covered. We can show you how to make the money needed and it will only take you 6 to 8 hours a week to do it. |
We have the "plan"...
The goal of our program is to HELP you own a vehicle in 18 months or less. We start by looking at your budget so that we can create a customized payment plan with a NEW approach. We look at the difference between your income and your monthly expenses to determine the "differential". The differential is the difference between your income and expenses. If your expenses are greater than your income, then that is the first "change" you have to make. Reduce your expenses so that they are less than your income. We can help coach you on that. Next, we start working on a plan to increase your income.
Let's say that we get your differential up to $500. That means you have approximately $500/mo left over after you pay all your bills. Now, all we have to do is help you figure out how to generate an additional $400 or $500 a month, so that you can payoff your vehicle in 18 months instead of 5 or 6 years.
The goal is to make 2X (times) the payment that you would normally pay. This way, you can pay off the vehicle twice as fast and cut-out tens of thousands of dollars in interest. YES that is tens of thousands of dollars that we help you SAVE.
Payments range from $150/wk to $300/wk depending on how old the vehicle is and the mileage, as well as other aspects that determine the value of a vehicle. The "rule-of-thumb" is the new vehicles with lower miles cost more and the older vehicles with higher miles cost less.
The big question at this point is how can your budget produce a larger monthly payment? The answer is you're going to create the extra income. How? ... With a "Side-Gig".
A side-gig is different than a normal job. You control your schedule and can often make more money in a shorter period of time. We would help you get setup with companies like Uber, Lyft, Amazon delivery, postmates, instacart, grub-hub, bitesquad and others. The goal is to work an extra 6 to 8 hours each week so that you produce an extra $250 a week. We can even help you get setup to generate an extra $200 a week donating plasma. In 18 months, you'll own a vehicle that would have cost you well-over $35,000 at a dealership.
Buying Comparison
Here's what we see in a typical transaction with a "Buy Here-Pay Here" dealer. Let's take a vehicle worth approximately $10,000.
Because the buyer has bad credit, the dealership will jack up the price to $14,000. Then, they add a bunch of fees (dealer junk fees). Now, the price is up to $16,000. Then they add lender fees and interest.
Bad credit often translates into interest rates as high as 29%.
You are directed into this type of transaction on the premise that you have an affordable monthly payment of say... $500 a month. The problem in this case, is NOT the "short-term", it's the long-term. Just do the math. The average buyer in this type of transaction will spend more than $30,000 over a 5 or 6 year term.
With our plan, you own a vehicle in 18 months NOT 5 or 6 years and you'll save tens of thousands of dollars.
Which plan sounds better?
Let's say that we get your differential up to $500. That means you have approximately $500/mo left over after you pay all your bills. Now, all we have to do is help you figure out how to generate an additional $400 or $500 a month, so that you can payoff your vehicle in 18 months instead of 5 or 6 years.
The goal is to make 2X (times) the payment that you would normally pay. This way, you can pay off the vehicle twice as fast and cut-out tens of thousands of dollars in interest. YES that is tens of thousands of dollars that we help you SAVE.
Payments range from $150/wk to $300/wk depending on how old the vehicle is and the mileage, as well as other aspects that determine the value of a vehicle. The "rule-of-thumb" is the new vehicles with lower miles cost more and the older vehicles with higher miles cost less.
The big question at this point is how can your budget produce a larger monthly payment? The answer is you're going to create the extra income. How? ... With a "Side-Gig".
A side-gig is different than a normal job. You control your schedule and can often make more money in a shorter period of time. We would help you get setup with companies like Uber, Lyft, Amazon delivery, postmates, instacart, grub-hub, bitesquad and others. The goal is to work an extra 6 to 8 hours each week so that you produce an extra $250 a week. We can even help you get setup to generate an extra $200 a week donating plasma. In 18 months, you'll own a vehicle that would have cost you well-over $35,000 at a dealership.
Buying Comparison
Here's what we see in a typical transaction with a "Buy Here-Pay Here" dealer. Let's take a vehicle worth approximately $10,000.
Because the buyer has bad credit, the dealership will jack up the price to $14,000. Then, they add a bunch of fees (dealer junk fees). Now, the price is up to $16,000. Then they add lender fees and interest.
Bad credit often translates into interest rates as high as 29%.
You are directed into this type of transaction on the premise that you have an affordable monthly payment of say... $500 a month. The problem in this case, is NOT the "short-term", it's the long-term. Just do the math. The average buyer in this type of transaction will spend more than $30,000 over a 5 or 6 year term.
With our plan, you own a vehicle in 18 months NOT 5 or 6 years and you'll save tens of thousands of dollars.
Which plan sounds better?
What are the Benefits of our Program?
The first benefit of our program is that ANYBODY can qualify whether you have Bad or No Credit. If you are willing to work and follow a plan, our program will work for you. The program will require effort and discipline, when it comes to money management.
The second benefit of our program is that you SAVE tens of thousands of dollars, when compared to buying a car from a normal dealership. Maybe this benefit should be first?
The third benefit of this program is our FREE Service Agreement. It's about "Peace-of-Mind". We help you keep your vehicle running with proper maintenance and repairs for as long as you own the vehicle. (click here to review the service program)
The fourth benefit of this program is the fact that you now have a better "plan". When you start your new side-gig... you've created a second income that can be used in the future. Your taxable income will be higher, improving your purchasing power in the future for a newer car or even a major purchase like a home, which we can help plan for as well.
We help you pay off your vehicle in 18 months or less. After that you continue generating $200 to $300 a week in income and redirect it into; 1) paying off any other debt you may have, 2) fixing your credit and 3) saving money to purchase a home.
We will help provide a 2 to 5 year plan to (1) fix your credit, (2) payoff your debt, (3) payoff your vehicle, (4) save money to buy a home, (5) build a custom plan to help you purchase a custom built home once your vehicle is paid off.
What are the Qualifications?
You must have a valid Florida Drivers License, or be willing to get one. You can start the program with an out of state license but you will have to provide a valid license within 45 days. *Suspended licenses are not accepted.
You must have a differential of at least $500/mo or be willing to follow our plan to generate $800 to $1,000 a month above your expenses so that you can pay off your vehicle in less than 2 years.
You must have at least $1,000 available to start the program. If you don't have $1,000, you may rent a vehicle for 8 weeks and use the rental payments as your down payment. The ownership contract does not start or is not applicable until you've made 8 payments. This is two months. Without the down payment, you are adding two months to the 18 months which totals 20 months. You save $1,000 by putting down $1,000.
You must have an additional $200 to $300 available to purchase Car Insurance. We do NOT provide the insurance. We refer you to specific third-party insurance agencies to secure insurance. Click Here to see what insurance coverages you are required to have.
Steps to take...
Step #1 - Complete a brief phone interview with one of our advisors.
Steps #2 - Read this page and discuss it thoroughly with your advisor.
Step #3 - Get with your advisor to schedule coming to our office to select a vehicle.
Step #4 - Use the VIN to secure the insurance. click here for instructions on securing insurance. Once you have the insurance secured, email the declaration page to info@wehelpfoundation.com.
Step #5 - Complete the program application online. click here to complete the application.
Step #6 - Make the cash app payment. click here for instructions on completing the cash app payment.
Step #7 - Complete the electronic agreements. Once the insurance is secured, the application completed and the payment made, we will send you the electronic agreements. These agreements are sent to your email electronically.
Step #8 - Arrange to pickup the vehicle. Once you've completed the electronic agreements, call us to coordinate the pickup of the vehicle.