521 Auto Mall Dr O'Fallon, MO 63368636-916-4015

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Jim Trenary Auto Credit
Vehicle Financing in O'Fallon, MO

Jim Trenary Auto Loan offers customers access to credit assistance and available bankruptcy approval programs designed to help even the most credit challenged individuals obtain a new or quality used vehicle. We understand that not everyone has perfect credit, but we don't believe that should disqualify you from obtaining the vehicle you're looking to purchase. Regardless of your current credit score or your previous credit history, Jim Trenary Auto Loan wants to help! Our experienced personnel work hard to provide you with the opportunity to purchase a quality vehicle, while also helping improve your credit score through an auto loan they can afford.

At Jim Trenary Auto Loan we work hard to make it easy for our Missouri customers to get financed. Visit 501 Automall Drive in O'Fallon to speak with one of our automotive finance specialists in person, or you can call 636-916-4015 to speak with a financing representative. We even offer a convenient online financing application that you can complete to possibly receive instant credit approval! If you live in St. Peters or any of the surrounding areas, come by today and let our credit assistance team tailor a car loan designed specifically for you.

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As with any auto loan from an automotive loan provider, the applicant will be required to provide records, for example, proof of auto insurance and a current, valid driver's license. If applying a subprime car loan, the applicant will have to bring a few additional records. The reason for extra documents is a moneylender is incurring a high risk when financing a subprime car loan. By requiring additional documents, the financer is taking additional steps to ensure that the loan will be likely to benefit both the applicant and the lending institutions.

Here is a rundown of the documentation that subprime loan provider suggest that you carry with you when you initially go to the dealership finance department:

  • A valid driver's license - Verify your license is not expired, revoked, or suspended. Also ensure the address listed on your driver's license is current and matches your state of residence.
  • Proof of insurance - Take care to include the name of your agent and a reliable contact number. Preemptively adding a new car to your policy will not be necessary until approval.
  • Proof of residency - A recent bill for utilities, such as water or electric, is sufficient proof so long as your name is listed and matches the address given.
  • Proof of employment - For approval, a recent (within 30 days) pay stub stating your year-to-date earnings is sufficient. Self-employed individuals must provide two years of professionally prepared tax returns.
  • A list of personal references - Most finance professionals expect six references. A reference means any individual that knows you personally -- be it a family member, friend, or work colleague. Your list should include full names, addresses, and phone numbers. Keep in mind your references cannot reside at the same address. As a courtesy, get permission from your references before listing them as a lender may contact them.
  • Phone number verification - Any phone number provided must be in service and under the applicant's name. Prepaid cell phone numbers will not be accepted.


  • Individuals trading in a vehicle must provide the title.
  • Individuals who have completed a bankruptcy must provide discharge papers.
  • Individual currently in an open Ch. 13 bankruptcy must provide necessary paperwork after receiving an Authorization to Incur Additional Debt from the court.

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