N-n auto sales, inc. Financing is Available with approved credit. Interest rates as low as 3.9%. We can almost get anyone approved if they have the right down payment. If you don't have credit or if you have bad credit you will need roughly 40 to 50 percent down and also need a income of at least $1200 per month. Most of our vehicles come with a 30 Day warranty and you can purchase a extended warranty.