What financing options do you offer?
We offer in-house guaranteed financing; meaning we do not have to call banks to get financing for you like most auto dealerships. It also means that EVERYONE IS APPROVED!!!! Each vehicle requires a certain reasonable down payment and regular payment agreement. We also work closely with credit unions in the area to get you the most car for your buck!! We also do cash deals. Ask for our cash discount pricing.
Do you accept trades?
Yes we do. In most cases a small down payment to cover transfer costs at the secretary of state may be needed to complete the deal. In some cases no money down may be available depending on the details of the deal.
Does my credit score matter?
Not really . We will finance all credit levels. That is what we do. It is our specialty. The better your credit, the more we can work with your down payment and interest rate.
Do you report to the credit bureau?
Yes we do. So if you make your payments on time you will build positive credit to assist you in the future to obtain other loans. Ask for more details.
Do you check my employment status?
Yes. We need to see proof of regular income and ability to repay in order to finance you. Proof may include employer name, address & phone number, most recent check stubs or signed income statement from employer, proof of social security payments and/or disability (if applicable). Self-employed customers may be required to provide additional proof such as tax statements or 1099s.
What payment frequencies are available?
We offer weekly, bi-weekly, and monthly payments. Ask for details.
Can I pay online?
No. We currently do not offer online payments for security reasons. We accept payments in person or mailed. Please be sure to mail your payments enough in advance to ensure we receive them by the due date. Late fees are assessed on all late payments. Please check our “Contact Us” tab for our mailing address.
Can payments be dropped off after business hours?
No. We require all payments to be made either in person or mailed for security reasons and to avoid potential late fees.
Do you charge late fees?
Yes. Please make every effort to ensure your payments are received by us by your due date to avoid a late fee.
Do you accept debit or credit card payments?
What down payments do you require?
This varies depending on the vehicle’s sale price and your financial situation.
What interest rate do you charge?
This varies according to your credit score and the amount you finance on the vehicle. We offer far better rates than many other popular “Bad Credit / No Credit” dealerships. Stop in for further details.
Do you offer warranties on your vehicles?
Yes and no. We do have warranties available. All of our vehicles are sold as-is. We send each vehicle in for thorough inspections and repairs before they are placed on our lot to ensure you are getting a safe and reliable vehicle to the best of our knowledge. We cannot be responsible for incidental issues that may arise and are beyond our control after the sale.
Do I need insurance to buy a car?
Yes. You must have proof of insurance for a vehicle in order to drive it off our lot. In most cases PLPD is fine, but some vehicles may require full coverage collision depending on the amount financed. Call or stop in for details.
Where are you located?
We are approximately 3 miles west of Clare, and approximately 1 mile east of Farwell at 240 E. Ludington Drive (also known as M-115 and “Old US 10”) in Farwell, MI 48622. We are a half-mile west of Beaver Avenue on the south side of the road, next to NAPA Auto Parts. See it on a map.
What are your business hours?
We are open Monday-Wednesday 10am-5pm, Thursday 9am-5pm, Friday 9am-6pm, Saturdays noon-4pm, Sundays closed.
Any other questions?
Call us @ 989-588-3300 during business hours, or leave a detailed message and we will get back with you to answer your question as soon as we can. See the “Contact Us” page for more contact options.