Finance Center

Extended Coverage for Pre-Owned Vehicles:

Q) Can I still purchase extended coverage for pre-owned vehicles sold "as-is"?
A) Yes, in most cases, you can. The availability of extended coverage depends on factors such as the age and mileage of the vehicle.

Q) I'm eyeing a newer model year pre-owned vehicle that's less than 3 years old and has less than 36,000 miles. Can I still access the manufacturer's warranty?
A) Absolutely. As long as the vehicle is within the factory's warranty limits, you will have access to the manufacturer's coverage.

Considerations for New Vehicle Owners:

Q) Why should I consider additional coverage for a brand new vehicle that already comes with a comprehensive manufacturer's warranty?
A) The need for additional coverage depends on your driving habits and how long you plan to keep the vehicle. If you intend to surpass the factory's 3-year/36,000-mile warranty, extended coverage may be beneficial.

Q) What happens if my new vehicle is involved in a total loss accident, and I still owe a substantial amount on it?
A) If you've opted for our Gap Protection, you're covered. Without it, you may be responsible for any negative equity in such a scenario.

Windshields and Extended Service Contracts:

Q) I frequently encounter chipped or cracked windshields. Do you offer protection for that?
A) Yes, we provide a windshield protection program as part of our Express 4 bundle.

Q) What types of extended coverage plans are available, and how do I decide which one is best for me?
A) Extended coverage plans are VIN specific and depend on mileage. For vehicles with lower mileage, options include factory warranty-like coverage, while higher mileage vehicles may qualify for limited coverage. We tailor options to fit your needs, presenting 2 or 3 packages for you to choose from.

Choosing Dealership Coverage vs. Bank/Insurance:

Q) My bank/insurance company offers extended coverage. Why should I choose to buy a warranty through the dealership?
A) In our experience, overages offered by banks and insurance companies often do not match the comprehensive parts and labor coverage provided by our dealership. We aim to offer superior coverage for our customers.

Financing Process:

Q) I'm concerned about spending too much time at the dealership during the financing process. How can I speed it up?
A) We understand the importance of your time. You can complete a credit application online or over the phone, allowing us to have everything ready for you to sign when you arrive.

Q) What do I need for a down payment, and is it mandatory?
A) While down payments are not always required, you can choose to put money down to reduce the financed amount. Whether a down payment is necessary depends on several factors, and the lender will make that determination.

Credit Information:

Q) Can I know my payments and interest rate before completing a credit application?
A) Exact payment amounts and interest rates depend on your credit. We require customers to complete a credit application to determine these details. However, we can provide estimates beforehand.

Q) Why should I finance through the dealership instead of going directly to a bank?
A) We work with various local and national lenders, offering competitive rates. Our partnership with multiple lenders often provides more financing options for our customers.

Credit Concerns:

Q) I know I have a bad credit score; will I still be able to get financing?
A) Lenders consider both credit score and credit history. We work hard to provide financing options for all customers, treating each with respect and consideration regardless of credit situation.

High Mileage and Older Vehicles:

Q) There's an older vehicle with high mileage that I really like. Can I still purchase extended coverage for it?
A) Absolutely! We offer a variety of extended service contracts, accommodating everything from window chips to comprehensive coverage for older and higher mileage vehicles.

Q) I've heard that older vehicles with high mileage can't be financed. Is that true?
A) While there may be specific considerations, there are still financing options available for these types of vehicles. Lenders may require a down payment to reflect their valuation of the vehicle.