Common questions, answered honestly.

Neither. Ctrust Financial is your independent buyer's representative. We handle every interaction with the dealer on your behalf - negotiation, structuring, paperwork review. You only meet the dealer once: at delivery.

Because we understand your specific lender pool - institutions that recognize medical income stability, residency-era credit hits, and the long-term financial picture of healthcare careers. Deep specialization gets you better outcomes than generalist services.

Florida has specific licensing requirements and a dealer network we know intimately. Going state-by-state means we can serve each market correctly rather than spreading thin. We may expand - join the waitlist on the funnel if you are out of state.

No. We never pull your credit. Every assessment uses self-reported information you control. The Approval Readiness Check is a planning tool, not a credit inquiry.

No. That is the entire point. Dwarn handles every conversation, every negotiation, every contract review with the dealer on your behalf. You meet them once - at delivery, when the car is ready and the paperwork is approved.

Most Gold-tier clients are driving within 7 to 14 days of their consultation. Silver-tier takes 14 to 21 days. Bronze-tier clients on the credit-improvement track typically take 60 to 90 days.

You will receive a Bronze tier rating and a 60 to 90 day credit improvement roadmap. We stay in touch with monthly check-ins. When you are ready, we resume - no second fee.

A flat $1,000 consulting fee. Disclosed up front. Paid only when you engage formally. The Approval Readiness Check and the initial 30-minute consultation are free.

Because we work for you, not the dealer. If we took dealer commissions, our incentives would tilt toward closing whatever deal pays us most - exactly the dealer playbook we are protecting you from. Fee-based means you are the client.

If we cannot help you secure financing through our channels, we refund your fee. Our work is structuring and representation - if we cannot deliver the deal, you do not pay.

Only with dealers you specifically authorize, and only the information needed to structure your deal. We do not sell data. We do not share with third parties for marketing. We do not enroll you in mailing lists without consent.

Ctrust Financial operates as an independent automotive finance consulting firm. We are not a licensed motor vehicle dealer, not a lender, and not a credit repair organization. All vehicle sales are completed through licensed Florida motor vehicle dealers. See the full disclaimer in our footer.