FAQ

Exactly what does your company do?

We help people with common credit situations that other dealers can’t or won’t help. We help a wide range of customers who have bankruptcy, no credit, poor credit, even repossessions, to finance reliable transportation at terms they can afford. We are the specialists, this is all we do. We treat our customers with the respect they deserve and give them the opportunity they need. Have you been treated rudely or differently at a car dealership when the salesperson found you had less than perfect credit? NOT AT Reliable Auto Resale! Any credit situation you may have, no matter what it is, we’ve seen it before. Nothing you say is going to surprise us or embarrass you. Reliable Auto Resale has helped thousands get the car, minivan, truck, or SUV they want. We can help you!

Do you need large down payments?

Reliable Auto Resale has vehicles starting with extremely low down payments. You can also use a trade in as a down payment. We know you work hard for your money. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let Reliable Auto Resale show you what we can do.

What does the warranty cover?

Consider this scenario: You purchase a used car from a local dealer on a contract. The car seems to be in great condition when you purchase, but six months into the contract the transmission fails. What are you to do? Can you afford to pay hundreds or thousands of dollars for a new transmission? Click here to see specifics on what our warranty covers for In-House Financed vehicles.

What are the requirements for purchasing a vehicle?

You will need a valid Driver’s License, most recent pay stubs or proof of income, proof of full coverage insurance, your trade if you have one, and any down payment you may have. You will talk to one of our credit specialists, and we’ll show you vehicles that fit your budget and credit situation. At Reliable Auto Resale, we want the vehicle, and the loan, to fit your specific needs.

How do the payments work?

Payments are scheduled bi-weekly, semi-monthly, or monthly based on income, your personal situation, and the vehicle you purchase. We are able to provide more flexible financing options than new car and ordinary used car dealerships because we are the lender. The decisions are ours to make. This gives us an advantage the other guys just don’t have. Depending on who you finance with, payments can be made in our office, by mail, over the phone, or online. We will custom design a financing program based on what works best for your individual situation.

How long does it take?

Chances are we probably have the right vehicle for you at our location right now. Many of our customers can drive home in a Reliable Auto Resale vehicle the same day they visit us. Others may need time to gather paystubs or other information to be able to take delivery of a vehicle. If you bring in all the information we need, it can take as little as 20 minutes! You can even apply online 24/7 and be pre-approved before you arrive at our office. It doesn’t get much easier than that.

What types of people buy cars from you?

Reliable Auto Resale helps all kinds of people buy cars. We understand that good people can and do have less than perfect credit. Reliable Auto Resale has helped professionals, white collar and blue collar workers, students, retired and disabled people, and many others from all walks of life. What you do for a living, where you live, or where you went to school does not define you or your credit situation. Race, religion, gender, or marital status is not an issue. At Reliable Auto Resale you are treated as an individual, not just a credit score. Our credit superheroes will discuss with you the vehicles and financing terms that work for you. And remember, no matter who you are or what your credit situation, we will treat you with dignity and respect.

Can I take my vehicle to my own mechanic for him to inspect it before I purchase?

Yes, that is possible, as long as you are approved beforehand for that vehicle. We have confidence in our vehicles and stand behind them.

I have a bankruptcy, can you arrange financing for me?

Yes, as long as the bankruptcy is discharged. You may be asked to bring some paperwork with you confirming this.

What does oma and wac stand for?

OMA is On Managers Approval, and WAC stands for With Approved Credit.

What do we look for in determining finance?

We look at how long you’ve lived in the area? How long you’ve worked at the same place? Time at residence, and the ability to repay a loan? Typically a person must show income of a minimum of $1,200 per month or more to qualify for financing.

If I want to be approved to finance a vehicle with you, what do I have to do?

First, you could stop by our office and talk to one of our credit superheroes in person. They will discuss your credit situation in a relaxed manner. Once your budget and needs are established you can select a vehicle.Or you can call us during regular business hours. We don’t have a 24 hour computerized phone system to take care of you when we aren’t here because every person is different and we want to speak to you in person. We don’t want some machine telling us which customers to approve. That personal touch is one of the things that makes Reliable Auto Resale different. Or you can apply for pre-approval online here. Just fill out our pre-approval form and one of our credit superheroes will personally review it. Then we will contact you by phone or email within 1 business day.

If I purchase a car from you and have some problems with my In-House financing payments, what should I do?

The most important thing you can do for yourself is to make your payment on time and in full. In the unlikely event you will be late for a scheduled payment, it is extremely important that YOU contact Credit Care Financial and let us know BEFORE the payment is due. You can call, email, or stop in. We do understand that people sometimes experience financial setbacks. It is your finance agreement. It is up to you to keep the lines of communication open.