Q: CAN I GET FINANCED?
A: We can finance most people with good, bad or no credit. You must show proof of residence, income and identity Even people in bankruptcy may qualify (see "What if I am in bankruptcy?").
Q: WHAT IF I DO NOT HAVE A LOT OF MONEY FOR DOWNPAYMENT?
A: We have several options to help you get the car you want. We take trade ins for some or all of the down pay. We can defer the tax, and title fees into the first few payments. WE ALSO DO "LAY-A-WAY' FOR DOWN PAYMENT (see more on lay a way down payment below). We take almost anything of value in trade or as down pay. We accept guns, boats, lake land, and motorcylces.
Q: WHAT IF I HAD A BANKRUPCTY OR I AM IN BANKRUPTCY NOW?
A: In most cases we need the discharge or dismissal paper. If the discharge is over 4 months old it may show on your record, if it is less than 4 months it usually does not show discharged or dismissed. It is best to bring the paper if it is available.
If your in bankruptcy now, you will need a letter from your trustee. The trustee letter will outline the terms in which you may be able to finance through us.
Q: WHAT IF I AM NEW IN TOWN OR NEW ON MY JOB?
A: Depending on your previous residence and job stability you may be able to finance through us. You will need to prove your identity, current job, current residence and anything to help show your previous job and residence can help. The other thing is down payment; the more you put down, the easier the finance. You might be asked to put more down based on how short your stability
Q: HOW MUCH DO I NEED AS DOWN PAYMENT?
A: Down payments can be as low as $399.00, and depending on how you qualify for approval; the tax, title and license fees may be deferred in a few payments. (see "what is deferred downpayment" or "lay-a-way downpayment").Keep in mind the more you put down the lower your payment will be. A more expensive car is more down payment. A car in trade could be all or part of your down payment.
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Q: WHAT DO I NEED TO BRING WITH ME FOR FINANCING?
A: You will need to show proof of residence, income and identity. Proof of identity is a valid drivers license. Proof of residence can be a lease, phone bill, electric bill, water bill, cell phone bill, or something mailed to you at your address. Proof of income is a recent paystub. If you dont get a paycheck stub then you could use last years tax return. Other proof of income may be accepted on an individual bases.
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Q: WHAT IS DEFERRED DOWN PAYMENT?
A: Deferred down payment lets you pay towards the tax, title and license fees on the first few payments. It works by making your first few payments bigger than your regular payment, to pay the taxes and fees. It is like putting more down payment but spreading it out as your first few payments, letting you take the car home, while you pay the tax title and license over the first few payments.
Q: WHAT IS "LAY-AWAY DOWN PAYMENT"?
A: If you do not have the down payment for the car you want today, you may put a non-refundable deposit on the car of your choice and then bring in "layaway" payments until you meet the down payment required to take the car home and start regular payments. The entire amount paid in will only be applied to a vehicle purchase.
Q: WHAT PRICE RANGE CARS DO YOU HAVE?
A: Prices range from $800 cash cars up to $14,000. Call or come in to best find a selection in your price range. Financing is available for most vehicles over $3000.
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