FAQ

Bad credit doesn't automatically mean you're out of options. Approval depends on your current situation, income, down payment, vehicle selection, and ability to pay.

Yes, no credit doesn't automatically rule you out either. We look at your full situation, not just a credit history.

Income, down payment, which vehicle fits your budget, and your overall situation and ability to pay.

No. With Buy Here Pay Here, AutoMasters finances the vehicle directly rather than through a separate bank or lender, which lets us look at your full situation rather than a credit score alone.

It's not required, but it helps. Applying online first means our team can prepare real options before you arrive.

We review your application and start preparing options based on your situation before you ever come in.

We look at your income, down payment, and overall situation to understand what may be possible — not just a credit score.

We'll have real options prepared based on your application, and we'll walk through everything together when you visit.

A valid photo ID, proof of income, proof of residence, your down payment, and references.

Yes, proof of income helps us understand what payment plan may work for your situation.

Yes, a proof of residence document is part of what we ask every customer to bring.

Yes, references are a standard part of the application process.

Down payments start as low as $799, subject to approval and vehicle selection.

Yes, subject to approval and vehicle selection — your specific down payment depends on the vehicle you choose and your approved terms.

The vehicle you choose, your approved terms, and your overall qualifications.

Think about how you're actually paid — weekly, bi-weekly, or monthly — and ask our team about payment scheduling options that match your income.

Yes. On-time payments can help build a stronger payment history over time.

On-time payments can help build a stronger payment history over time — it's a gradual process, not an overnight fix.

No. Credit improvement is not guaranteed and depends on individual credit history and payment behavior over time.

Consistency. Making payments on time, every time, is what can help build a stronger payment history.

Eligible vehicle systems and components, subject to terms. We'll review the specific coverage on your vehicle before you buy.

No warranty covers everything. Ours covers eligible components and systems, subject to terms — we'll walk through the specifics with you.

Yes, roadside assistance is part of warranty protection. Ask our team how to access it.

Yes. Every AutoMasters vehicle is inspected and reconditioned before it's offered for sale.

A clean title means the vehicle has no history of being declared a total loss, salvage, or rebuilt — it's the most straightforward title status a used vehicle can have.

Title history can affect future value, trade-in potential, and long-term confidence — not just safety.

Clean means no major loss history; rebuilt means the vehicle was previously salvage-titled and repaired to drivable condition; salvage means it was declared a total loss and hasn't been rebuilt. Ask us about the specific title status of any vehicle you're considering.

A vehicle should still mean something to you when you're done paying for it — clean title history helps protect that value.

Qualifying customers who work the program and stay on track may have the opportunity to trade up into a different vehicle after 24 months.

On-time payments, vehicle maintenance, good account standing, and current program terms at the time of your request.

No. Trading up is an opportunity for qualifying customers, not a requirement.

You can continue working toward full ownership of your current vehicle instead — that's a completely valid path.

When your account is paid in full according to your agreement and all required paperwork is complete, the title can become yours.

When the account is paid in full according to the agreement and all required paperwork is complete — ask our team about the timeline for your account.

Because it's proof the plan worked — the goal was never just the keys, it was always the title.

Only with your written permission. If you'd like to be part of our Title Wall, just let us know.

Whether the title is clean, how long the contract is, what's due today vs. later, what the warranty covers, and when the vehicle becomes yours.

Terms depend on your qualifications, vehicle selection, account standing, and program terms — we'll walk through your specific contract length before you commit.

Your down payment is due at signing. The remaining balance is handled according to your approved financing terms. Ask for both numbers before you commit to anything.

At AutoMasters, you're financing toward ownership — not leasing or renting. Ask any dealership directly which one you're signing, since the agreements are different.