If you are asked to fill out a huge credit application or have to wait for an approval you are probably not working with an independent BUY HERE PAY HERE DEALERSHIP. Your application is most likely getting processed at one of the big banks. At Bellmeade Motors there is no credit application. We require a down payment that is based on the purchase price of the vehicle. If you have the down payment and live in the Blair county area you are approved, it is that easy. Really it is