Exactly what does Cars To Go do?
We help people with credit problems such as bankruptcies, no credit, or bad credit get reliable transportation and a car loan. Most dealerships are not prepared to deal with the credit challenged person. We are the specialist, this is what we do! We treat our customers with dignity & respect!
Have you been treated rudely or indifferent at a car lot when the salesperson found out you have credit issues? Not at Cars To Go! We have seen it all, nothing you say is going to surprise us or embarrass you! We have helped hundreds of people get in cars, trucks, SUV's and minivans.
Do you need a large down payment?
No, down pay ments start as low as $500. We know you work hard for your money. You can also use your trade in if you have one available. Even if you do not have your down payment yet, you owe it to yourself to give us a call and show you how we can help!
What are the requirements for purchasing a vehicle at Cars To Go?
•Valid Drivers License
•Proof of income (paystub or awards letter)
•Proof of address (utility bill or lease)
•Trade or down payment (no checks)
•10 references (name, address & phone number)
•Proof of insurance
How do the payments work?
Payments are based on when you get paid and how often. Most payments are weekly or bi-weekly. The date of the payment (Monday-Saturday) is selected by you. You have several ways you can make your payments:
•Mail in a check or money order
•Put your payment in the over night drop box
•Sign up for auto pay
•Call your payments in over the phone
Auto pay is the preferred payment method. All you do is store your debit or credit card number on file with us. We will pull the payment on the date you are due. Anyone who is signed up for this service will recieve a free oil changes every 3 months through our mechanic shops. This saves you the hassle of coming in or remembering to make the payment & it saves us from having to call and remind you. What's better than FREE oil changes?
How long does it take?
Chances are, we probably have the vehicle you want in inventory right now. If you come prepared, you can probably drive home in a car the same day! 98% of applications are APPROVED! If you bring in everything you need, once you pick the car you want, the paperwork is less than 20 minutes. There is no "sitting at the dealership & wasting your day" as other places will do to you. Get started now & complete the online application!
Can I take my vehicle to a mechanic and have him inspect if before I buy it?
YES! We wouldn't expect any less. We pay more money for our cars than the average Buy Here- Pay Here, we expect you are going to be getting a nicer car!
I have a bankruptcy, can you help?
YES! We are one of the very few lots that are set up to help people in bankruptcies, no matter if they are open or closed. There are two types of Bankruptcies: Chapter 7 is a liquidation. This is where you ask the judge to wash all your bills away. Chapter 13 is a reorganization of your debt. This is where you ask the judge to help reorganize the amounts that you pay, but you do pay your bills with a Chapter 13. Please note: If you file aChapter 13, you must be able to get approval from the Trustee for me to help you.
How long do I have to be on my job?
It varies. We will look at your entire situation. Things we like to see is job & residence stability.
What if I have TERRIBLE credit?
Then you better get in here so we can try to help you start re-establishing! We have been doing special finance for a long time & we are good at it! Just make sure you bring in all the paper we asked for above.
What if I am going through a divorce?
That does not disqualify you. We will need to see your information without your spouses to make sure you can afford a vehicle loan in your budget.
How much are the payments?
Payments are as low as $65.00 per week. An average payment is $75.00-80.00 per week. We have three levels of cars for you to choose from (Budget, Economy & Choice). As you go up levels, your payments will typically go up as well. The more money you put down, the lower your payments will be.
Why come to Cars To Go?
We are the expects, this is what we do! We are the bank & we make the decisions right here on site. We do not have commissioned sales people. We prefer to make people part of our family without the pressure! You will be treated with respect everytime. Come see the difference.
Frequently Asked Questions
