Frequently Asked Questions


Are your advertised down payments negotiable?

Due to the fact that not all vehicles qualify for in-house financing, most posted down payments are estimated based on credit and lender requirements. In some cases, we can adjust down payments according to the loan to value and your individual credibility and will even offer in-house options as we see fit. We encourage calling our office to discuss your situation so that we may tailor the best offers for you.

Do you finance outside of South Carolina?

No, we will not finance out of state due to the fact that we do not check credit.

Do you sell to buyers outside of SC?

Absolutely, and we do so quite often. We also offer delivery of your new ride within 300 miles from our location (delivery charges based on mileage).

Do you accept an out of state drivers license even if I live here in Greenville, SC?

We would need to assess your current situation and have an explanation of why you do not currently have an in-state license to determine if we can continue with financing for you.  We do offer other financing options that may allow for an out-of-state license and will lend based on your credit.

How do I get a vehicle financed with you if I am under 21 years of age?

As long as other requirements are met, you will need a parent or legal guardian to cosign with you who also meets our requirements.

What are your other requirements?

We need you to have good job stability (minimum of 1 year on current job), good residence stability (minimum of 1 year at current residence), and must be able to obtain full coverage insurance.

Do you have to have a full-time job to qualify for in-house financing?

We prefer our finance clients to have full time employment. We may consider other additional incomes and/or multiple part-time jobs and this may affect the amount we are willing to finance. Contact us with your situation to allow us to determine what you may be eligible for based on your situation.

Do you require any personal references for in-house financing?

We require anywhere from 2 to 4 personal references for in-house financing.  These references may be family or friends and will not be considered if they live within your household or with any other references you list.  Complete reference info consists of:

  • Full name
  • Full address
  • Telephone number
Do all my references have to live in this area?

The minimum references do have to live within a considerable distance and any out of the area will be added to the original list.