Each vehicle at Credit Pro Autos is clearly marked with a dot on the windshield. This allows you to more easily identify the down payment requirements for the vehicle. We have six different color categories of vehicles beginning with orange dots: our lowest down payment vehicles, and the easiest to qualify for. Next, white dots: slightly higher down payments. It continues in order with blue, red, green, and yellow dots. The green and yellow dots are our highest down payment requirements and are usually SUV and late-model, lower mileage vehicles.
Your approval during normal business hours will usually happen in less than 1 hour. If you contact us over the internet or by phone after hours, we will get back to you the next morning at the number or e-mail address you have listed as the most convenient way to reach you.
We specialize in short-term loans (33-48 months). The idea is for you to get the car paid for and get the title with a payment that you can afford. Your payments are set up to be convenient for you. If you are paid weekly, your car payment will be scheduled weekly. If you are paid every other week, your car payment will be scheduled for every other week. Your payments cannot exceed 25% of your net take home pay.
Most of our customers sign up for recurring payments where we can automatically take your payment from your debit/credit card or checking/savings account. Setting up your payments this way makes keeping your account current simple and convenient and gives you one less thing to have to worry about. Stop by our finance department if you’d like to setup automatic payments. However, there are other payment alternatives: You can make your payments in person at either location at the finance window or put your payment in our after hours drop box on the side of the building. You may also call in your payment using a debit or credit card as well as pay online using our website. All of our payment options have no additional fees. Make a Payment
We offer one of the best warranties you can find. Most other car dealerships will only offer you a 30-day warranty or none at all, but because we sell only quality used cars, we offer a full 24 month or 24,000 mile limited warranty. Learn more about the limited warranty.
EVERY Credit Pro Autos vehicle receives a comprehensive inspection by trained technicians who do mechanical and safety repairs as needed. We do our best to repair cosmetic blemishes and convenience items, however safety and mechanical concerns are most important and are always addressed before the vehicle reaches the lot. Because Prime Auto Finance provides the loan on the vehicle, we have a real interest in making sure that your car is a quality vehicle.
Credit Pro Autos does not accept a non Credit Pro Autos vehicle as a trade-in if there is a lien or if the vehicle is in a position of negative equity, unless you are willing to pay the difference between the current payoff and the Actual Cash Value (ACV) of the car, in addition to any down payment that would be required for your purchase with us. As of right now, paying the difference is the only exception.
Please bring the following items with you to the dealership:
-Proof of income (such as pay stubs, social security documentation, or pension documentation)
-Proof of full coverage insurance
-Proof of residence (a recent power or phone bill)
-Valid driver’s license with current address
-Name, address, and telephone numbers of at least 8 friends or family members
In order to qualify for our 500$ down program, you must meet the following criteria:
-Live within 40 miles of the dealership
-Bring home at least 1500$ per month after taxes (Net Income)
-Your payment cannot exceed 25% of your net income
-Must have a valid driver’s license with current address
You must have the remaining balance on your vehicle at or below $5,000 in order to trade with no money down. You can trade earlier than that if you bring in a substantial down payment of $3,000 or more.
While this will be considered on an individual basis, we prefer 1 vehicle loan per home. In order for Prime Auto Finance to even consider a second vehicle loan, your account must be current and you must have at least 1 year of great payment history on the first vehicle loan.