Frequently Asked Questions

Do you have financing programs for people with less than perfect credit?

Yes. At The Big Lot, we understand that bad things happen to good people. We specialize in financing for all credit types and budgets. We have helped people with every credit situation, including prior repossessions, foreclosure, bankruptcies, charged-off accounts, tax liens, judgements, and delinquent credit cards. 

Every situation is different, and our finance specialists work hard for every customer, so that we may give every one of our customers a chance to re-establish credit.

Does my payment history get reported to a credit bureau?

Prospect Fundinng, LLC., reports all account activity, good and bad, to Equifax credit reporting service once a month.
If you purchase your vehicle from one of our many other lenders, credit reporting practices will differ. Please contact your lender for information regarding credit reporting.

Do your vehicles come with a warranty?

Yes. Every vehicle financed at The Big Lot comes with a 6 month, 6,000 mile powertrain limited warranty. This warranty carries a low $200 deductible, and comes at no cost to you. See dealer for additional information.

What do I need to bring to apply for a loan?

In order to get you approved for a loan as quickly as possible, please bring the following items to the dealership with you:

• Current driver’s license.
• Proof of residence (a bill or piece of mail dated within the last 30 days).
• Proof of income (two most recent pay check stubs, social security award letters, or pension documentation).
• Name, address, and telephone numbers for 10 local references.

How Much down payment do I need to qualify for a loan?

The down payment on each vehicle is not a pre-set amount. After filling out an application, we will work to get you a loan for the correct amount, with the lowest down payment possible. With approved credit, we have programs with zero down available!

At The Big Lot, we try to make your financing experience as simple as possible. We have a streamlined process, and have 24+ years’ experience helping the people of Kansas City from the same location.