Joe's Frequently Asked Questions
Whether you have bought many cars before, or if you are a first time car-shopper, we understand you may have questions. Here are some of the most frequently asked questions we are asked. If you have any other questions please do not hesitate to stop in or call us at (515) 265-1467, where one of our team members will gladly be willing to assist you!
1. What is your Credit Approval Process?
Joe's One-of-a-Kind Credit Approval Process isn't just EASY, NO-STRESS, PRESSURE & JUDGEMENT-FREE; but it also can SAVE you HOURS at the dealership! Whether you have good credit, bad credit, no credit, or somewhere in between - Our process focuses on the important things first: 1. Your wants & needs, and 2. Your budget. Our team of Solution specialists can have you in and out the door in a car you LOVE, with a payment you LOVE in as low as one hour!
2. What is the minimum credit score required?
We do not require a minumum credit score! At Capital City Motor Comapany, we believe EVERYONE deserves to drive a Nicer, Newer Car - No matter what their current credit siutation is. Sure, we have great programs for good credit customers, but we also work harder than anyone to secure REAL bank loans for people with all credit scores, all income types, and all situations that hold back the everyday person from driving the Nicer, Newer Car they deserve.
3. What if I am tight on cash for a down payment?
We understand that times can be tight. Not everyone has 25-30% to put down on a vehicle like most dealers require. That's why with Joe's One-of-a-Kind Credit Approval Process, we work with the lenders to secure an approval with what YOU want to put down. We even have financing options with as low as $7 down!
4. Do you take trade-ins?
Yes, we gladly accept trade-ins! Not only do we accept them, we pay the MOST for trade-ins! No matter if your ride is next-to-new, or if it's seen better days - We want your trade! Trade-ins can help lower payments, and provide more options/flexability with finance options.
5. What if my trade is broken down/on its last leg?
Is your car broke down, or on its last leg? That's okay, it had a good life. We will STILL accept it as a trade-in, and we will STILL pay you top dollar for it. We'll even tow it for FREE!
6. What is your price range?
We aim to serve customers of all types, income levels, and preferences! With access to over 300+ pre-owned vehicles, we typically carry cars for sale from as low as $3,000 to $60,000+! Our inventory does move quickly so please don't hesitate to contact one of our Solution Specialists when you find one you love!
7. Do you just serve customers with bad credit?
No, actually we have programs and cars for ALL credit customers! We have relationships with over 40+ lenders fighting for your loan - from big national banks, to small lcoal credit unions. We can secure competitive interest rates for you within minutes, to save you time from rate shopping on your own!
8. I need cash, can I just sell you a car?
Yes, you can! In fact, Joe's favorite way to aquire new inventory is from the public! For this reason, Capital City Motor Company has built the reputation of paying the MOST for your car, with NO pressure to buy. We have the ability to hand you payment same day, and avoid the stress of trying to sell it yourself online!
9. Do you offer any protection or warranties on your cars?
Yes, we do! On top of our dealer warranty, we also offer various warranties and protection plans. Depending on lender approval and your vehicle you choose to purchase, you may be eligle to purchase:
• Vehicle Service Contract - These are extended protection plans that cover the cost of repairs and parts for your vehicle. We offer various plans with flexible options that match your life style and your budget! These service contracts also may offer additional benefits, such as 24/7/365 roadside assistance, rental car reimbursement, tow reimbursement, + more!
• Guaranteed Asset Protection (GAP) - This is a plan that covers the difference between the actual cash value of your vehicle and the balance of your loan, in case of a total loss or theft.
• 3-in-1 Road Hazzard Protection - This cost-effective protection plan has you covered for the inconvenient cosmetic damages your vehicle will see in its life, bundled into one plan: 1. Windshield Repair, 2. Paintless Dent Repair, 3. Tire & Wheel Repair. We are able to offer flexible options for you that match your life style and your budget! This plan also offers additional benefits such as 24/7/365 roadside assistance and rental reimbursement.