financing

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 1/2-4 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. To use your Visa or Mastercard to make a payment online just click on the make a payment link on the home page.

How much do I need to put down?

Whatever is listed on our website is the down payment for the vehicle. The lowest we go is $399. The more expensive vehicles usually requires a larger down payment and luxury vehicles do as well. On vehicles that are over $1000 down we may even be able to come down off the down payment based on your credit and/or application. If you do not qualify for financing or are “higher risk” based on your credit than a larger down payment or a co-signer may be required. Otherwise the down payment we have listed is the recommended down payment for that vehicle. We don’t add tax, tag, and title to the down payments. We truly have some of the lowest down payments around. We want to make getting into a vehicle affordable.

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 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 such as a larger down payment or a co-signer.

I’ve heard horror stories about Buy-Here Pay-Here. Should I be concerned?

Buy-Here Pay-Here has come a long way and it operates very differently among different buy-here pay-here dealers. At some Buy-Here Pay-Here’s you might find older cars that have very high mileage that are way overpriced with a large down payment and the maximum interest rate the state allows. We operate quite a bit differently. We try and carry a wide range of vehicles and more later model vehicles. We also try and keep the mileage reasonable and buy our vehicles from quality sources. Our interest rate is also way lower than the state allows and lower than what many secondary finance companies offer for similar credit. We sale vehicles but also provide financing for them as well. We do it all. You can think of us as a finance bank as well. That’s what defines the Buy-Here Pay-Here term and there shouldn’t be a negative association attached to it with us. It simply means we sale the vehicles as well as finance them. If you came and bought one of our vehicles but we got your financing done with an outside source then you would pay them and we wouldn’t be a Buy-Here Pay-Here. It would be the same cars but the financing would be with somebody else.

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

1)Fill out an application by phone, fax, online or at the dealership

What kind of documentation do you need to bring in?

1)Proof of Income
2)Proof of Residence

3) Driver's License

4)References

Before taking delivery of the vehicle you must have full coverage insurance.

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

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.

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 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.

CALL TODAY TO GET PRE-APPROVED OVER THE PHONE

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 so you have that piece of mind you are buying a quality vehicle and have a better chance of finding what you like.

All the financing is done at the dealership

We don’t rely on outside lenders. We don’t have to fax or send your information to another company. We do all the approvals, financing and payments right at the dealership rather than a separate company that may be in a different state. We control the whole process and this gives us the advantage to be more flexible and allows our customers a face to face experience.

Lower down payments

Since we do all the financing ourselves we can set our own down payments. This allows us to offer down payments lower than almost any other dealership. We have lower down payments than most people can get when buying a new car with perfect credit.

Competitive interest rate

We have interest rates that are comparable with secondary financing rates. Even if you don’t have perfect credit you can still get into a quality vehicle with an affordable interest rate.

Reporting to Equifax

Many Buy-Here Pay-Here dealers don’t report to Equifax. A vehicle is a major purchase and can be a big boost to your credit score. We report every month so we can help you re-establish your credit.

Advantages of buying a vehicle from National auto sales

Huge Inventory
We don’t just have 30 cars for you to choose from-we have over 200! This gives you a better chance of finding what your looking for. We have one of the largest inventories in the State of Georgia at one location. You won’t find that at your typical Buy-Here Pay-Here dealer.
Large Variety of vehicles
We carry a wide variety of vehicles such as Suvs, Trucks, Sedans, Sports cars, Luxury vehicles, Vans, Late models, Low mileage, etc. With over 200 vehicles we are sure to have something that fits your needs. There really is no need to shop elsewhere. We have one of the largest inventories around at one location with all types of makes and models.
Quality
Everybody is scared of buying a used vehicle. We understand that so we are very careful when we purchase them. When we purchase a vehicle we make sure we purchase from reliable sources. None of our vehicles are salvage, fire, or mileage altered vehicles. We also do a post sale inspection on most vehicles when we purchase them at auction. This is a service the auction offers that inspects the vehicle for major problems such as transmission and engine. If problems are found then we are let out of the purchase.
State of the art service facility
We have our own service shop right across the street from our dealership. All our vehicles that we purchase go here first to get inspected, repaired, detailed, and the emissions done before ever coming to the lot. It is equipped with 15 lifts, 7 mechanics, detail area, and an emissions station.

831 Cobb Pkwy North

Marietta, GA 30062

Financing at National Auto Sales

Advantages of Financing with National auto sales