Sales and Finance FAQ

1. What are my financing options at Matthews Motor Company?

We offer a variety of financing options to suit your needs. We work directly with 10 lenders, including national brands like Capital One, as well as local credit unions. Whether you have excellent credit or a challenging credit history, we have guaranteed credit approval for all types of credit. If you're already working with a lender, we can accommodate that too.

 

2. How do I apply for financing on a vehicle?

There are several ways to apply for financing:

  • Get pre-approved for financing on our website at link.
  • Call our Sales and Finance Professionals at 570-659-5406 to walk you through an application online or in person.
  • You can also finance a vehicle through your personal bank.

 

3. Can I buy a car with bad credit?

Absolutely! We offer many financing options for all types of credit history, including guaranteed credit approval financing.

 

4. Can I buy a car with no money down?

In many cases, you can! The availability of no-money-down options depends on your credit history and choice of lender. Putting money down is always a good option as it reduces the amount you are financing, lowers your monthly payment, and reduces the total amount of interest you pay on the loan.

 

5. I've been accepted for pre-approval. Does this mean that I am approved for a certain amount?

Pre-approval is vehicle dependent, meaning you may be approved for one vehicle and not another. It is dependent on vehicle values and the guidelines of your chosen lender.

6. Can I buy a car with a personal loan?

Yes, you can purchase a vehicle with a personal loan, but keep in mind that the interest rate may be higher compared to financing your vehicle with a regular auto loan.

 

7. I have a vehicle I would like to trade in. What is my trade value?

You can find your vehicle's trade-in value in a few ways on our website:

  • Visit our "Value Your Vehicle" tab and fill out our KBB form to get a range before bringing it into the dealership.
  • Use our Capital One Payment Calculator tool, which allows you to input your trade information and shows you an estimate of how much it is worth toward a particular vehicle.
  • For an exact value, our service department thoroughly evaluates every potential trade, including a test drive and a detailed mechanical overview. We also research multiple book values, auctions, and local listings to provide a fair offer for your vehicle.

8. How can I protect my vehicle?

We offer a range of products to help protect your vehicle:

  • In-house service contracts with varied lengths and coverage tailored to your personal circumstances.
  • GAP (Guaranteed Asset Protection) insurance, which covers your deductible and any remaining debt on the vehicle in the event of a total loss accident.
  • AutoArmor, a complete interior and exterior vehicle protection plan. It safeguards your vehicle's exterior from rust perforation, trim fading, windshield chips and cracks, and protects the interior from stains, UV rays, odors, and more. AutoArmor products come with a 7-year warranty.

9. What is the history of the vehicle I would like to purchase?

Every vehicle listed on our website comes with a comprehensive history report by AutoCheck. Additionally, we provide service records for any work completed on the vehicle through Matthews Service Center.