Q - I have poor credit, can I get a loan for a vehicle?
A - Absolutely. We employ a little know concept called "packaging" that allows us to provide an approval to almost everyone who applies. Ask the Business Manager about how this program can and will work for you.
Q - Do I need to be employed to get a loan?
A - Not in all cases. If you are retired, disabled, or receive SSI assistance, it would serve as acceptable, verifiable income.
Q - Is there a pre-payment penalty for an early loan payoff?
A - No, you may send extra payments that can be applied directly to the principal at any time. You should note on your form of payment that you wish the excess to be applied to the principal or the next payment due at your option.
Q - What kinds of lenders do you offer?
A - We have access to the majority of the big time lenders in the business. Some names you would recognize would be Chase Manhattan Bank, Bank North N.A., GMAC. and Citizens Auto Finance.
Q - Do you offer any leasing programs?
A - Yes, we offer leasing through GMAC, as well as Chase Manhattan Bank.
Q - What is the longest term I can finance for?
A - We offer financing ranging from 24 months (2 years) all the way to 96 months (8 years). We will present you with your options, and show you how the terms affect the payments so you can make a decision on what works best for you.
Why an Extended Warranty?
Extended Warranty Plans allow you to protect one of the biggest, most used, and most important investments in your life; your vehicle. Think of what you would do without the use of your automobile due to a mechanical or electrical failure. Not fun, right? And I'll bet you haven't even thought about what the cost will be fix the problem yet. Well good news is on the way, read on...
An Extended Warranty Plan is a cost effective way to protect your vehicle, its components, and your pocketbook, all at the same time. Warranties can be tailored to suit your driving habits and your needs like a glove. These plans offer FOUR different levels of coverage ranging from the Power train Plan, covering your vehicles basic engine and transmission components, all the way to the Comprehensive Plan, which covers ALL of your vehicles mechanical and electrical components. FeatuRoadside Assistance, Towing, Rental Cars, and Trip Interruption Services make an extended Warranty Plan an attractive, sensible way to protect your investment, and make sure you're not stuck with a huge repair bill, or the inconvenience of a broken automobile.
The Business Manager will answer any questions you have about the plans availability, level of coverage that will work best for you, and explain the finer details of the features and benefits an Extended Warranty Plan will offer you and your vehicle.
Why GAP Protection!
Guaranteed Accident Protection, also known as "GAP", is a program that protects you and your money in the event your vehicle is deemed a"total loss" by your insurance company. If your vehicle is totaled, regardless of fault, your obligation to pay the remaining loan balance is absorbed by the GAP Protection Plan. You owe nothing further, and you can obtain new financing immediately. Without GAP Protection, your likelihood of owing Thousands of dollars to the bank or finance company you borrowed from is more than likely. Owing money for a vehicle you no longer own? Not very fun. But help is on the way...
In most cases, GAP Protection is the most cost-effective option that can be purchased to protectan automobile consumer, just like you. Ask the Business Manager about how easy it is to protect you from the ups and downs in the pricing of the used vehicles. Make sure if you hit someone or someone hits you that you don't get hit again, with monies owed on your totaled vehicle. GET GAP. Get protected.
Why Life and Disability Insurance?
Have you ever had a sickness or injury that prevented you from working for a period of time? Has someone you know passed away unexpectedly? If it has not happened to you, more than likely it has happened to a member of your family. And if you ask them how they paid the bills during that difficult time, I'm sure it's not the easiest way to make ends meet. But don't worry; there is a way to protect yourself and your family from an unforeseen illness, accident, or injury. Here are the facts:
- Your doctor is the only doctor to state your fitness for work.
- This is insurance backed by Universal. You DO NOT pay anything back to anyone when it ends.
- If you pass away, the vehicle is paid off completely, and you leave no debt. Ask the Business Manager for the details and to find out if you qualify for Life and/ or Disability Coverage. Many people are protected with some form of Life and Disability Insurance through the workplace, but most would not be able to make ends meet with what is provided through their employer. Also, most employers only offer SHORT TERM DISABILITY, which will end after six months. I think you will agree that 60% of your take home pay for only six months is not adequate to maintain the credit cards, mortgage or rent, vehicles or day to day expenses that we have. As ugly as it sounds, banks and credit card companies don't care why they aren't getting paid; they just want to get paid. And when they don't get paid after a couple months, they start to repossess the things you borrowed against, and your good credit is affected for the next seven years.
Ask the Business Manager for the details and to find out if you qualify for Life and/ or Disability Coverage.