417 Automotive Imports Inc. O/A The Car Club (and/or Autosonline) is focused on a very high level of customer service resulting in customer satisfaction. Our credit process is a cooperative process between the client and us, seeking out the best possible terms and conditions for an automotive loan. Clients are involved and informed each step of the way. “Guaranteed Pre-Approval” means; all customers can be approved subject to certain terms and conditions. Those could be based on rates up to 29.9%. While almost every loan we provide to clients is a zero down loan, a down payment may be required based on the approval to stay within approval guidelines and or vehicle selection. In some circumstances a qualified co-applicant may be required, or someone with a valid drivers licence or other approved identification. “Same Day Pre-Approval” means; within 24 hours (one business day) of submitting your application online, by phone, or in person, one of our experienced credit analysts will have adjudicated and, if needed, submitted your application for approval and have an analysis of your credit and financial situation that will allow you to learn the terms of your “Pre-approval”.