Welcome to Own A Car's FAQ Page! We know buying a used car can seem like a complex process, and it's hard to know where to start. Rest assured our goal is to make your car buying experience as stress-free and enjoyable as we can possibly make it. While we are always open to receiving questions and concerns, we took the time to put together a list of questions that customers frequently bring to our attention, so you can have an idea of what Own A Car is all about and how our process works. If you're still unsure of anything after reading through, feel free to reach out to us and we will get back with you promptly!
- What is No Score No More?
It is a special sales event where your credit score may not matter at all. So we encourage all car buyers with no credit history, low credit score, bad credit, OK credit or good credit to come see us. We can help you just as we have done over the years with thousands of our other satisfied Valley car buyers.
- Can I Use My Tax Refund As a Down Payment?
Yes you can, we accept tax refunds, and in some cases, you can buy a car now before we receive your tax refund. We will simply wait for your refund. Just stop by or call us if you have any questions or are not sure about anything, we’re here to help you. There are many other factors taken into consideration when determining if a higher down payment is needed to get approved: things like negative equity from trade-in, finance companies credit approval process, or a car buyer wanting a lower monthly payment and trying to get a specific monthly payment that would better fit their budget.
- Can I Really Buy a Car With Only $500 Dollars Down?
Absolutely, this is not a gimmick and we’ve been doing it for many years. Many customers get approved every month with only $500 dollars down. See dealer for more details. Do I need more than $500 down payment?
- What If I don’t have all the down payment needed, will you let me pay some of it later?
We do offer this in some cases- a limited time deferred down payment will be accepted as long as you promise to pay it later. Some other conditions and criteria may also apply. Ask the dealer for more details.
- Can I trade in my car?
Yes, please provide your registration title or lienholder information for your trade-in.
- Can I trade in a car that I still owe money?
Yes, definitely, after reaching an agreement with us on the trade-in value- your trade-in car loan balance can then be paid out of the final contract transaction. Ask the dealer if you have further questions.
- My car isn’t running, can I still use it for a trade-in?
Yes, running or not we will still work at giving you the best value offer. We’re flexible and we may work out with you on how we bring it in. Ask the dealer for details.
- I can’t find the title to my trade, can you still take it?
Yes, we’ve made it easy, so after we are able to verify your ownership, we will have you sign the necessary paperwork provided to us by the DMV.
- Which credit bureaus do you use when reviewing credit?
We use all three major credit bureaus , Trans union, Equifax, and Experian.
- Can I get approved before I go to the store?
Yes, we can definitely make your buying experience more efficient and pre-approve you provided that you supply us all with all the information and documents required to do so and we’re able to verify it. Ask the dealer for more details.
- What if I have been turned down elsewhere, can you still approve me for a car loan?
We have approved many car buyers in the past that were turned down somewhere else-not all dealer and finance companies use the same criteria for car loan approval. We accept all credit types and all applications will be accepted and reviewed regardless if you have tried elsewhere and been turned down.
- I have trouble proving my income is that a problem?
There are many alternative ways to prove and verify income. Ultimately, we submit the information that you provide us to the finance company and let them determine your income. We have many financing partners and we could submit your information to more than just one to get you approved.
- Can I get approved for a car loan with a prior bankruptcy?
Have Own A Car help you through the application process and help you re-establish your credit history. In most cases, your bankruptcy must be discharged. However, we work with many financing partners and it is best to fill-out an application and submit it to different finance companies to boost your chances of loan approval.
- Can I get approved for a car loan with a prior repossession?
Just because you’ve had a repo in the past, doesn’t mean that you can’t get a car loan financed again. Click the Apply Now button and let us help with the car purchase process.
- Can I get approved for a car loan, if I have no-established credit?
Most definitely. We have helped thousands of first-time buyer’s get financed over the course of many years. Click the Apply Now button to get pre-approved.
- What is your rating with the better business bureau?
We are proud to have an A+ rating from the Better Business Bureau while serving the car needs of the central valley community for more than 25 years.
- How is your social media reputation and reviews?
Own A Car strives to give our customers the best hassle-free car buying experience! We’ve been able to accomplish and receive the following reviews and ratings:
- A+ BBB rating
- 1000+ 5 star Google reviews
- Over 10k+ Facebook Likes
- What is covered on the lifetime warranty?
Lifetime warranty covers engine and transmission. More details apply.
- How do I find out if there is any factory warranty remaining?
We will be happy to assist you in this matter. Simply ask the dealer for help.
- Can I purchase extended warranty coverage?
Absolutely, we offer different terms to satisfy every need and budget. Ask the finance manager to see the different plans and choose the one that suits you best.
- Do you offer gap insurance?
Yes, our finance manager can help you with the different options.
- Do you offer a vehicle history report?
Yes, we do, just ask us to provide you one.
- Can I test drive before I buy it?
Yes, most definitely and it is highly recommended that you do that before you buy a car to get a feel for the car if it is the right one for you or not.
- May I take the car to my mechanic prior to buying?
Yes, we actually recommend that you have it checked out with a reputable ASE certified shop. Let us know ahead of your purchase so we can arrange for the inspection.
- What should I look for when I test drive a car?
If the engine makes a knocking noise, or the transmission slips or the car pulls to the right or left when driving or if the steering wheel vibrates. Our lifetime engine and transmission warranty should put your mind at ease and you’re always welcome to bring a mechanic with you as well.
- Can I buy online and have my car delivered?
Yes, can be arranged under the right conditions and criteria. Ask the dealer for details.
