See If You Are Prequalified
All credit welcome · Bankruptcy · Repo · First-time buyer
See If You're Pre-Qualified — In Under 2 Minutes.
Soft credit check only. No impact to your credit score.
Family-owned and serving the Marietta area for over 20 years — with lender
relationships built to say yes when other dealers say no.
Soft inquiry only · Does not affect your credit score · Takes about 2 minutes
- 20+ years local
- Same-day approval
- Top-rated on Google
- BBB Accredited
How it works
Three steps to driving home today.
No surprises. No back-and-forth. Just the clearest path from "I need a vehicle" to keys in your hand.
1
Get pre-qualified online
Click the button. Soft credit check only — no impact to your score. You'll know your terms in minutes.
2
Browse vehicles that fit you
We'll show you the trucks, SUVs, and sedans on our lot that match your approval — with the real monthly payment.
3
Drive home the same day
Most customers complete paperwork in under an hour. Insurance, plates, keys — out the door, same visit.
Why Malone's
Built to approve the customer the big lots turn away.
Twenty years of West Georgia families on our customer list — and a process designed around the people other dealers say no to.
All credit situations
Bankruptcy, repossession, no credit, first-time buyer — none of it disqualifies you here. We've placed thousands of customers after a "no" elsewhere.
Multiple lender relationships
We're not locked to one bank. With more than a dozen lender partners, we shop your file until we find the right fit — not just the only one available.
Family-owned & local
The Malones live here. We're at little-league games and church on Sunday. Our reputation locally is the only marketing that matters.
In-house process, fast
Most pre-qualifications come back in under 10 minutes. Most customers are driving home the same day they walk in. No three-day waiting games.
On the lot
See what's on the lot right now.
Trucks, SUVs, and sedans built for real budgets. Browse the full inventory, then come back and get pre-qualified on the one you want.
What our customers say
Real people. Real approvals. Real cars.
Frequently asked
Answers to the questions stopping you from clicking "Submit."
No. The pre-qualification check is a soft inquiry — it's invisible to other lenders and has zero impact on your credit score. A "hard" pull only happens later, with your permission, if and when you decide to move forward on a specific vehicle.
To finalize, you'll typically need a valid driver's license, proof of income (a recent pay stub, bank statement, or SSI/disability award letter), proof of residence (a utility bill or lease), and proof of insurance. We'll tell you exactly what applies to your situation before you come in — no wasted trips.
Both are common situations for our customers, and neither is an automatic disqualifier. We work with lenders who specifically extend financing after Chapter 7 and Chapter 13 bankruptcies — including open bankruptcies, in many cases. Repossessions on your file are also workable.
It depends on the vehicle, your credit profile, and which lender approves your file. Some of our customers drive home with $500 down; some put nothing down at all. We'll tell you the real number for your specific approval — no bait-and-switch.
Yes. Every loan we place reports to the major credit bureaus, which means on-time payments help rebuild your credit over the life of the loan. For many customers, the car loan they get with us is a meaningful step toward better terms on their next vehicle.
Yes. We work with self-employed buyers, gig workers, and cash-tipped employees regularly. You may be asked for bank statements rather than pay stubs, and we'll walk you through exactly what counts. Don't assume you won't qualify — let the button do its job.
Ready to find out where you stand?
Two minutes online. Or — if you'd rather talk to a person — give us a call. Either way, no impact on your credit.
Financing Disclosures. All financing is subject to credit approval and verification of information by the dealer and/or third-party lender(s). APRs typically range from 5.99% to 24.99% based on credit profile, loan term, vehicle age and mileage, down payment, and lender. Representative example: a $20,000 amount financed at 12.99% APR for 60 months results in a monthly payment of approximately $455 and a total of payments of approximately $27,300 (illustrative — your actual terms will vary). Pre-qualification is based on a soft credit inquiry that does not affect your credit score; final financing requires a hard credit inquiry, which may affect your score. Tax, title, license, and dealer fees are additional.
Equal Credit Opportunity. The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The federal agency that administers compliance with this law concerning this creditor is the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
Georgia Used Motor Vehicle Dealer License # [GA-DLR-00000]. Malone's Automotive is a licensed used motor vehicle dealer in the State of Georgia.