Some cars require an appraisal such as hot rods, kit cars, or modified cars. Most cars that we finance require only a physical verification of the vehicle to verify the engine starts, that the VIN number matches the title and the car is in good, working condition. We order the collateral verification when you tell us that you are buying the car and you are moving ahead with the loan. We have 1500 independent inspectors throughout the United States and the verification is usually done within 48 hours. The loan will NOT fund until this verification is completed. Please have the seller’s information available including phone number and notify the seller that one of our agents will be contacting them to complete the verification. This verification does not guarantee the merchantability of the vehicle and is not an appraisal.