financing

Some more common questions you may have:

So what is your criteria for financing a vehicle with you?

We do not have a specific criteria on whether or not we can finance you. Because we do the financing ourselves we have the opportunity to take all factors into consideration and be more flexible with individuals with credit issues get into a quality used vehicle. It is tough to say whether or not we can finance you by defining a set list of criteria. We look at each situation individually and take a variety of factors into consideration.

How long is financing and how much are the payments?

Almost all the loans fall right between 3 and 3 1/2 years. However, you can pay more and shorten the loan if you like but that is typically the default. The payments are determined by the price of the vehicle, the length of the loan, how much you put down, and your interest rate.

When are payments due?

We try and set your payments up on your payday such as every 2 weeks or semi-monthly. Most people prefer it this way.

Where do I make my payment?

You can make your payment at our dealership or you can mail in your payment with check or money order. You can also call us and make a payment by phone using a credit or debit card. We also have a convenient drive through window to make your payment.

How much do I need to put down?

The down payments are typically determined on an individual basis. We look at your credit, your application, the price of the vehicle your interested in, and take into consideration how much you are working with as well. We also run specials on down payments at times. Most down payments range right between $400 and $1500. We have some of the lowest down payments around.

I was turned down for financing. I don’t understand-I thought you were a Buy-Here Pay-Here?

Just because we are a Buy-Here Pay-Here doesn’t mean it’s an instant approval. All Buy-Here Pay-Here means is that we simply sale the vehicles and provide financing for them as well. We don’t require perfect credit and we do work with past credit problems and certain situations but it’s not always a guaranteed approval. We still have to take a variety of factors into consideration when approving someone for a big purchase like a vehicle.

If we cannot get you approved for whatever reason then we can give you the reasons why and that way you can correct them or we may be able to provide you with some additional options to help the financing go through.

831 Cobb Pkwy North

Marietta, GA 30062

National Auto Sales specializes in providing financing to individuals with current or past credit problems.

National Auto Sales is proud to be one of the top Buy-Here Pay-Here dealers in Georgia. Buy-Here Pay-Here simply means we provide vehicles for sale and provide the financing for the vehicles as well. We do not rely on banks or outside lenders for approvals or to provide the financing for you. We do it all here ourselves. This gives us the option to be more flexible with credit and different situations. What sets us apart from many of our competitors is the quality and variety of vehicles that we carry. They undergo multiple inspections and are repaired so you have that piece of mind you are buying a quality vehicle and have a better chance of finding what you like.

Advantages of buying from National Auto Sales

1) Quality of Vehicles......Each vehicle goes through a rigorous inspection. The majority of the vehicles go through a post sale inspection if we purchase them at auction. This means the vehicle is inspected at the auction to check for major problems such as frame damage, transmission problems, engine problems, etc. If it does not pass post sale inspection then we are let out of the purchase. At that point the vehicles are taken to our own state of the art service center off of Cobb Pkwy where they go through a 125 point inspection. Then they are detailed and brought to the lot and ready for sale.

2) Variety and quantity of Vehicles......Just take a peek at our inventory and you can see we have a wide range of different Years, Makes, and Models. We carry over 150 vehicles and a huge variety of vehicles so you have a better chance of finding the right vehicle for your or your family and a better chance of finding a vehicle that fits your price range or budget. We buy cars 3 to 4 times a week so we are always getting new inventory in constantly.
3) Report to credit bureau......We want you to re-establish your credit so we report to Equifax so you can be on the path to a better credit score.
4) Customer Service.....We treat you good when you walk up on the lot. We want to make sure your happy from the time you step-on the lot until the time you pay-off your loan with us.

5) State of the art facility....We have a state of the art facility with a breakroom, tv, food, and kids play area. Clean bathrooms, clean showroom, large televsions, comfortable seating, and a relaxed inviting atmosphere.

What is the process of buying a car from National Auto Sales?

Meeting your Salesperson:

Your initial experience whether by phone or in person will be with a salesperson. The role of the salesperson is to assist you in your car buying experience. Together you will establish a rapport where they can find out more about your situation, your budget for a payment, how much you have budgeted for a down payment, and what type of vehicle you are looking for.

The Application Process:

When you are ready to purchase a vehicle or obtain financing then the salesperson will assist you in filling out a credit application and reference sheet and obtaining copies of your paystubs or proof of income, proof of residence, and a drivers license.

The Approval Process:

Once we have all your information, our experienced finance department will review your application for financing. The salesman will inform them of what you are working with for a down payment and what you have budgeted for a monthly car payment and which vehicle or types of vehicles you are looking at. The finance department will qualify your application, verify information, and review your credit history. At this time they will take into consideration what you are working with for a down payment and what you have budgeted for a monthly payment and make sure you can afford the vehicle and meet certain criteria for financing.

The Closing Process:

Once the financing is worked out and your ready to take delivery of your vehicle then someone will thoroughly go over the documents with you that you need to sign and answer any questions you may have. Congratulations you have just purchased a vehicle! That wasn’t too painful now was it? We try to make the car buying experience with us a non stressful event and as painless and quick as possible.

I’m ready to try and purchase a vehicle? What do I need?

The first step is getting an application and taking basic information. You can do this by simply calling us or stopping by. We then pull your credit and based on the information you gave us on your application we can get you an answer on whether or not you qualify for financing. If you do then you just need to bring in certain documentation to complete the process. If we can’t get you financed then we can give you the reasons why and give you some options that may assist in getting you approved.

What kind of documentation do you need to bring in?

1) Proof of Income-2 most recent paystubs.

-If you do not have a paystub then other proof of income such as bank statements showing deposits or a letter of employment or tax forms.

2) Proof of Residence-we need to verify your address so we need a recent utility bill, lease, or recent mail showing your name and address.

3) Driver's License-out of state is fine but you will have to get a GA license within 30 days so you can get your tag.

4)References (Family Members, Friends, and Co-Workers)

5) Money for the Down Payment (We take cash, debit, or credit cards. Sorry, no checks for down payments)

6) Insurance before you drive off the lot-You must have full coverage insurance and continue to carry it for the whole term of your loan. This is required by law on a financed vehicle. We can help get you insurance once you get here. Deductibles of $500 or less are typically required.

About Financing

Lot Pictures