Thank you for taking the time to visit our website @ Sierra Auto Fowler. We take pride in our work. We here at S.A.F. have many years of experience in sales and in the FAndI Dept., , This is a Family owned business and we do welcome every type of customer from cash customers to financing. The FAndI dept. has lots of lenders from A-1 credit to second chance finance. We do encourage 1st time buys as well. Self-employed customer and Credit union customers. We will work with anyone. Please feel free to contact us @559-316-7045 or sierraautofowler.com Thanks once again for taking the time to visit our site.