Frequently Asked Questions

Our program makes us different – it’s way more than a car. We provide our customers with the combination of quality vehicles, affordable financing, and expert servicing after the sale.
Our locations offer customers a broad variety of vehicles to choose from, with over one-hundred vehicles available.
Down payments may vary based on both the individual approval and the vehicle you choose. Our typical down payment required is only 500$ as long as you qualify for our 500$ down program.
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 white dots: our easiest to qualify for. Next, blue dots: slightly higher payments. It continues in order with red, green, yellow, and orange dots. The yellow and orange dots are our highest priced vehicles and are usually SUV and late-model, lower mileage vehicles.

Price & Payment Chart

All of Credit Pro Autos retail installment contracts are assigned to our affiliated finance company, Prime Auto Finance, which is located in the same building as Credit Pro Autos.
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 (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 20% 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.

Learn More About Our 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
-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 20% 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 $4,000 in order to trade with no money down. You can trade earlier than that if you bring in a substantial down payment of $3,000 or more.
You must wait 10 business days before the check will be processed. After this time, you may come in to pick up the check or have us mail it to you.
While this will be considered on an individual basis, we prefer 1 vehicle loan per home. In order for Prime Auto Finance to even consider a second vehicle loan, your account must be current and you must have at least 2 years of great payment history on the first vehicle loan.
Credit Pro Autos and Prime Auto Finance only sells and finances vehicle for personal use. We do NOT sell vehicles that will be used commercially. Examples of commercial use include but are not limited to the following: Food Delivery, Lyft, Uber, Taxi, Newspaper Delivery, etc.
Finance only considers applications 40 miles or closer for our 500$ down program. If you live slightly outside this range, they may make an exception if you are able to put more money down.
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