A Smarter Way to Buy
At Victory, we're committed to helping customers access quality vehicle financing. Through our network of national financing sources, we work to get you approved for a vehicle today while keeping tomorrow in mind.
Those financing sources report payment history to one or more of the major credit bureaus as part of their standard practices. Consistent, ontime payments, combined with responsible financial habits, may positively influence your credit profile over time as a natural result of your own behavior, not a fee-based service provided by Victory.
After approximately six to twelve months of ontime payments, you may be eligible to revisit your financing and explore a vehicle upgrade through a broader network of lenders. With 12–18 months of responsible financial habits, you may qualify for expanded vehicle and financing options, subject to individual eligibility and lender approval at that time.
Best Practices
1.Pay on time. Consider setting up automatic bank drafts to stay current.
2.Route income through your bank account, bank statements document your earnings.
3.Avoid NSF transactions, ask about overdraft protection.
4.Keep credit card utilization below 50%.
5.Maintain a consistent address with bills delivered there.
6.Review your credit report at AnnualCreditReport.com and dispute any errors with the bureaus directly.
7.Pay off debts in full when possible. Avoid settling for less than the amount owed.
Victory Automotive is a licensed automotive dealership, not a registered credit services organization under Missouri law. We do not provide credit repair services or charge fees for credit-related advice. Any improvement in your credit profile results from your own credit history as reported by your lenders to the credit bureaus. Results vary by individual. Not all customers will qualify for vehicle upgrades or improved terms.