Frequently Asked Questions

Q.Do you report to the major credit reporting agencies?
A.



All of our loans are 100% bank financed and payment history is reported monthly.  One of the aims of this auto dealership is to help you rebuild your credit reputation.

Q.How much income must I have?
A.




We work with several lenders, and their policies vary from lender to lender.  Please Contact Us and we will do our best to find a lender that will work for you. We have many bad credit, no credit, special financing programs, refinancing and rebuilding credit auto loans.  Our goal at Car Zone Sales is to come up with a plan that fits your best auto financing needs.

Q.How much will my monthly payment be?
A.


This is determined by several factors including the amount of purchase, interest rate, terms of loan and down payment.  To help, we have added a payment calculator located in the section marked Inventory.

Q.What if I am a first-time, buyer?
A.


We welcome the first time buyer no matter your credit needs. We have a wide selection of used cars, trucks, SUVs, minivans, sports cars, economy cars – something for everyone.

Q.What if I am disabled or on Social Security?
A.


Being on disability does not hinder your ability to obtain financing.  Being on Social Security means that you have a pretty steady income.

Q.What if I am self-employed?
A.

In most cases, being self-employed is not a problem as long as you have some means of regular income.

Q.What if I don’t have money to put down?
A.

We have many programs to aid your down payment including Zero Money Down, or Deferred Payments.

Q.What if I have a bankruptcy?
A.


We have several financing institutions that specialize in auto loans for people with specific needs in discharged Chapter 7 or active Chapter 13 problems.

Q.What if I have a new job?
A.


Congratulations! These are very trying economic times and our challenge here in Car Zone Sales is to help you with financing a vehicle to provide the best transportation you can comfortable afford and build your credit.

Q.What if I have a tax lien?
A.


We have many solutions to aid with this issue including special finance programs.  Our staff specializes in these challenges and we are willing to work with you.

Q.What if I have a trade-in?
A.




Trade-ins are welcome, whether they are running or not.  Our experienced staff members are up to the challenge. Whether you have good credit, bad credit or need to rebuild, we can help. If your current vehicle has a loan and you want to use this vehicle for a trade-in or have clear title, we can help you find your used car; or if you have a current loan and want to refinance this loan, we can help with this also!

Q.What if I have had a repossession?
A.


Many of our customers have suffered credit problems in the past, but our business is helping you to re-establish your credit.  We want to provide the best transportation choices in West Michigan.

Q.What If I have/had a foreclosure?
A.



In these uncertain economic times, the stigma of foreclosure is not as serious a problem as one would think.  Our goal at Car Zone Sales is to get you into a used vehicle.  We can work with bad credit or no credit.  Our customer service is the best in the Southwest Michigan area and we know we can get you going.

Q.What if I owe more money than my trade is worth?
A.

In most cases, we can get a little extra help from the bank to overcome negative equity.

Q.What will be my interest rate?
A.



Interest rates are determined by the lender and we at Car Zone Sales, will fight for you to get the best rate possible. There are many factors that will be used to determine your final interest rate, but rest assured that we are here to help you get the best deal.