Frequently Asked Questions
- Valid USA photo ID or your country's passport
- Proof of income (bank statements, paycheck stub, etc.)
- Proof of address (utility bills under your name)
- No Social Security Number or ITIN? No problem—we can still get you approved.
Short answer - YES! At Whipz, you may apply for financing even without a credit history.
Yes, we pride ourselves on being friendly and offering service to people who haven't obtained their documents or legal status. No insurance number or driver's license is required.
Yes! We work with customers every day who have less-than-perfect credit. We focus on your current situation and use creative financing solutions to help you get approved, even if you've been turned down elsewhere.
Down payments vary based on the vehicle and your approval terms, but we have options as low as $500 down for qualified applicants. Submit an application to see your personalized options.
Assuming you have all the necessary documents, approvals can take under 5 mins. The entire process from approval to signing can take as little as 20 mins. Many people are in and out in under an hour.
Yes! Every vehicle at Whipz comes with a 2-year limited powertrain warranty at no extra cost. Plus, we offer options to upgrade to 3 or 4 years for even more peace of mind.
Definitely. We even have special financing programs for contractors and business owners who use their vehicles for work—like landscapers, construction workers, painters, plumbers, and more.
- We make payments flexible and easy
- Pay with debit card, ACH, or cash
- Choose your preferred schedule
- Get discounts when you sign up for autopay
It's simple and takes just a few minutes:
- Click the Apply Now button.
- Fill out your basic information.
- Get your approval options fast.
Of course! Having an SSN is not a requirement to apply for financing at Whipz
The interest rate may change according to the applied down payment and your financing terms.
Financing duration may vary depending on the car and credit terms agreement, but you could have from 27 up to 60 months of financing.
We accept any credit score. After submitting your application and proof-of-income, you will be informed of the options for your financing.
Of course, our team will evaluate the condition of your car to calculate its value. We invite you to contact us for further details.
Of course! Submit an application to get started.
During your financing, you can make payments in advance without penalties.