We are here to make purchasing your vehicle as easy as possible. We accept Cash, VISA, Mastercard, American Express, and Discover credit cards and all debit cards. There is a 3.5% charge for credit and debit cards due to the fees we pay for this service. We also accept payment in the form of cashiers check from credit unions and most major national banks if you prefer to select your own lending institution. Feel free to call with questions.
We partner locally with SunWest Credit Union for customers with good to great credit (over 620 score). You can apply through the "Loan-By-Phone" line at 602-866-1129 or apply online at www.sunwestfcu.org. Please mention Sheila Scott as our SunWest bank representative. You can also contact Sheila directly at 623-334-2844.
For customers with less than good credit, we may be able to assist you with financing arrangements. The stipulations are as follows:
- Minimum of 2 years residence and employment history,
- 1 or less repossessions/bankruptcies,
- No current delinquencies,
- No existing car loans,
- $1,800 minimum gross income from 1 job,
- 10% of the out-the-door amount or more as a down payment ($1,000 minimum),
- You will need to provide the typical information:
- Driver's License and insurance,
- Proof of residence,
- Current paystub,
- 6 complete references (4 relatives + 2 others).
- In-person applications only. We do not accept applications over the phone or e-mail.
We are not a buy-here-pay-here car lot. Please don't be offended by this, it is just not a part of the car business that I am interested in managing. I can refer you to other dealers nearby that may be able to help with this type of car "purchase."