Frequently Asked Questions
Question: How long is the contract?
Answer: Most contracts are for 36 months, if you make all your payments, we then turn the title over to you and you own it.
Question: Do I have to keep the vehicle for the full contact?
Answer: No. That's one of the great things about our program, you can turn your vehicle in at any time without penalty, you can upgrade to a newer vehicle or just walk away. You will never be "upside down" in a car loan again.
Question: How much is the payment?
Answer: It depends on the vehicle you pick out, but generally our payments range from $106 biweekly to $200 biweekly. Another excellent feature of our program is that everything is included in your payment. Unlike a car loan where you have to pay out of pocket for your sales tax, personal property tax, etc. your only "extra" expense will be your insurance.
Question: What if I don't have auto insurance?
Answer: We work with several insurance brokers that will place your insurance on the spot.
Question: Will I have to have a down payment?
Answer: You will be required to pay an origination fee ranging from $500 and up, it all depends on the vehicle you pick out.
Question: Is this like a car lot where I end up with a junk car that I don't want?
Answer: Absolutely not!! We feature nice late model vehicles that you will take pride in driving. YOU pick the vehicle that you want to drive.
Question: Do you take trade ins?
Answer: Yes, if you have a clear title you can trade in.
Question: What if I don't have good credit?
Answer: We aren't concerned of your past, just interested in helping your future. We understand what has happened in our economy in the past several years, and we also understand how it has effected credit ratings. We know that sometimes bad things happen to good people. All you need to be approved is a driver’s license, proof of residency, verifiable income. WE SAY “YES!”