General Questions

Who is Global Lending Services (GLS)?

Global Lending Services LLC (GLS) is an automotive subprime lending company that provides financing to franchise auto dealerships throughout the United States. GLS has three offices; Greenville, SC, Atlanta, GA and Tempe, AZ. GLS has been recognized for four consecutive years, as one of the fastest growing private companies in America by Inc. 5000 and in 2019 was recognized as the 3rd fastest growing company in Greenville, SC.

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How do I search for vehicles on CarGurus?

You can search for a vehicle by clicking here.

Pre-Qualification

How do I get pre-qualified?

Click here to start the pre-qualification process.

Does getting pre-qualified affect my credit score?

No, getting pre-qualified does not affect your credit score. The pre-qualification process reviews your credit history and score as part of a soft inquiry, which will not show up on your credit history as a hard inquiry.

When you ultimately choose to purchase the vehicle and submit a credit application at the dealership, your credit application will involve a hard pull which will impact your credit score.

Does getting pre-qualified mean that I am approved for specific vehicles?

In order to pre-qualify for a specific vehicle, you need to first submit a pre-qualification request that will perform a soft pull of your credit history without affecting your credit score. Once that request has been approved, you now need to pre-qualify for the specific vehicle you are interested in by selecting the vehicle, providing cash down and trade-in information, and then getting personalized rates. You finally need to save/print out the Offer Summary Letter to lock down your rates for that specific vehicle at a specific dealer.

How long is my pre-qualification valid for?

Your pre-qualification offer is valid for 30 days from the day that your pre-qualification request was received.

How much do I pre-qualify for?

The approved amount financed for a specific vehicle will vary primarily based on the following factors:

– Cash down amount
– Trade-in value
– Your monthly income
– Your credit history
– Vehicle value

Can I update the information I have already submitted?

If you need to update the application information submitted, please call us at our toll-free number 1-877-856-5029 during our business hours (Mon-Fri 9:00AM-9:00PM EST and Sat 10:00AM-7:00PM EST) to speak with a Customer Service Representative, so that we can assist you.

I've been pre-qualified, now what?

Congratulations, you’ve been pre-qualified with Global Lending Services! Continue shopping and evaluating vehicle offers and rates on CarGurus [ https://www.cargurus.com/ ]. Once you’ve found a vehicle and an offer that you are interested in, be sure to print your Offer Summary Letter and take it to the dealership specified on the letter. Be sure to provide the dealer with your Offer Summary Letter, so that they know you’ve been pre-qualified.

Using Pre-Qualification Offers

Are my pre-qualified offers guaranteed?

Your pre-qualification offers are guaranteed provided that the information on your credit application is not different from that submitted in the pre-qualification process. If the information on your credit application submitted at the dealership is different from the information submitted in the pre-qualification process, we will re-evaluate your application and that could result in a different offer. A change to any of the following items may lead to re-evaluation: credit history, monthly income, cash down amount, trade-in value, vehicle value, vehicle make and model.

What do I need to bring with me to the dealership?

Once at the dealership, make sure to let the dealer know that you are a pre-qualified customer and show your Offer Summary Letter. Your Offer Summary Letter includes the items that you are required to bring with you to the dealership. Some examples of these items could include proof of personal identity, income, insurance, and residence.

Can I use my pre-qualification for multiple vehicles?

Your pre-qualification allows you to view and compare deal structures and rates on multiple vehicles. When it comes to purchasing, your pre-qualification can only be used to purchase a single vehicle.

What happens if the vehicle I have in my Offer Summary Letter has been sold when I arrive at the dealership?

If the vehicle you have in your pre-qualification offer (Offer Summary Letter) has been sold when you arrive at the dealership, you can try to pre-qualify for another vehicle on the CarGurus website by clicking here . You could also just find a different vehicle that you like at the dealership, and we will be sure to honor your pre-qualification information provided that your pre-qualification has not expired.

The dealer has questions about my pre-qualification. What should I do?

Please call us or have the dealer call our toll-free number 1-877-856-5029 during our business hours (Mon-Fri 9:00AM-9:00PM EST and Sat 10:00AM-7:00PM EST) to speak with a Customer Service Representative so that we can help you answer any questions.

Can I add optional products to my purchase once I'm at the dealership?

Yes, you may be interested in adding optional products to your deal as you are submitting the credit application at the dealership, such as Guaranteed Asset Protection (GAP) insurance, extended warranties, and service contracts. The additional amount financed to cover optional products may vary based on the loan amount and vehicle value.

While GLS may assist in financing these additional products, these products are not offered by or through GLS. You should evaluate these products independently to determine whether they make sense for you.