We provide financing and refinancing options for individuals aged 18 and older who possess a valid driver's license. To qualify for an auto loan, applicants must have an annual income of at least $21,000, while those seeking to refinance need a minimum income of $18,000, along with a credit score of 600 or higher. Eligible vehicles can be as old as 10 years and must have no more than 125,000 miles. The lowest loan amount available for purchasing or leasing is $8,000, while refinancing requires a minimum of $5,000.