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1.) What does MSRP stand for?

2.) Does it cost anything to submit a credit check?

3.) Why do I have to provide the car or stock number in order to submit my credit application?

4.) I've been through a bankruptcy. Can I still get a car?

5.) I get alimony (or child support). Do I have to provide that information on the credit check?

6.) Can I buy a car with a credit card or a check?

7.) My son/daughter is about to turn 16. Can I buy a car with my money, but put it in his/her name?

8.) Does filling out a credit application obligate me to buy a car?

9.) How long does it take from the time I purchase my vehicle, until I can actually bring it home?

10.) I still owe money on the vehicle I am trading in. How does that work?

11.) Do I have to have a credit check in order to buy a car?

12.) What is a VIN? And where do I find that?

13.) Can I do the license and registration from your dealership, or do I have to go through the DMV?

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1.) What does MSRP stand for?
MSRP stands for "Manufacturer's Suggested Retail Price." It is the sticker price for the new car. Back to Top

2.) Does it cost anything to submit a credit check?
There is no cost or obligation to submit an application. However, we are not allowed to show you the actual report. If you have any questions regarding your credit report, you will have to contact the credit bureau directly. Back to Top

3.) Why do I have to provide the car or stock number in order to submit my credit application?
You need to provide a car because you may qualify for some car loans but not others. For example, a 22 year old factory worker making $9.00 per hour may qualify for a '98 Ford Taurus if you are wanting to borrow $7500 and you have good credit. However, the same bank may not want to loan you $26,000 for a new truck because your payments may be too high compared to your income. Back to Top

4.) I've been through a bankruptcy. Can I still get a car?
It is possible. Complete the credit application accurately, and we will do our best to get financing approved for you. Back to Top

5.) I get alimony (or child support). Do I have to provide that information on the credit check?
Including information regarding alimony or child support is optional. It will not influence the decision on the loan EXCEPT for the case where additional income is necessary to meet the income ratios that the banks calculate to determine whether a customer qualifies for a loan. Back to Top

6.) Can I buy a car with a credit card or a check?
Credit cards are not accepted for vehicle purchases, but checks are. Back to Top

7.) My son/daughter is about to turn 16. Can I buy a car with my money, but put it in his/her name?
Yes, you can. Back to Top

8.) Does filling out a credit application obligate me to buy a car?
No, this does not obligate you in any way. It will simply give you information about what financing would be available for you. Back to Top

9.) How long does it take from the time I purchase my vehicle, until I can actually bring it home?
As soon as you complete the paperwork at our dealership, you can drive your new car home. Back to Top

10.) I still owe money on the vehicle I am trading in. How does that work?
We will add the amount that you still owe on your trade-in vehicle to the total of your purchase price, and we will take care of paying off the traded-in vehicle. Back to Top

11.) Do I have to have a credit check in order to buy a car?
If you are financing your vehicle, a credit report will be reviewed during the loan evaluation process. Back to Top

12.) What is a VIN? And where do I find that?
Every car, truck, boat, motorcycle is assigned a "Vehicle Identification Number" from its manufacturer. With this VIN, insurance companies and the automobile industry can identify that specific vehicle. On a car or truck, the VIN is usually found on the driver's side of the dashboard, near the corner of the windshield. You'll need to be on the outside of the car to see it. Back to Top

13.) Can I do the license and registration from your dealership, or do I have to go through the DMV?
We do the license and registration work for you when you buy a car from us, but only if you live in Illinois. If you live outside of the state, we will give you the title to the vehicle that you buy, and you have the responsibility to go to your state's DMV to do that work. Back to Top