IT'S ABOUT SAVING YOU MONEY
What if I told you, we could help you SAVE about 50% off the Total Cost of your next vehicle purchase?
We can do this by eliminating all unnecessary costs and decreasing the length of the term.
ELIMINATING UNNECESSARY COSTS - Contributing Factor #1 to saving money
Here's a list of some of the most common fake fees, dealers will add to the price.
Here's some of these fake or unnecessary costs.
After adding all these fees and costs, in this example, let's say that you end-up financing $20k.
Next, we have to calculate and add the interest costs of the loan.
Here's what bad credit, high interest costs look like.
The dealership doesn't come right out and show you the cost break-down, it's buried in the paperwork and legal jargon.
All the consumer sees is an affordable monthly payment and so there's no push back.
What you should be focusing on, is the total amount paid over time, based on a $20k loan.
5 years = 60 months X $580 = $34,800
6 years = 72 months X $533 = $38,376
7 years = 84 months X $490 = $41,160
The dealership will focus on the affordability of the payments. They're not going to point out all the extra fees and cost, and they are most certainly not going to point out how much interest you will pay over the term of the loan.
They will ask you, to select the monthly payment that you think you can afford. Everybody picks the lowest payment option, not realizing how much more they are going to pay.
DECREASE THE LENGTH OF THE TERM - Contributing Factor #2 to saving money
The majority of the savings that we help you achieve, is realized by simply decreasing the length of time on the term.
Let's use that same vehicle worth $15k, in the previous example. Unlike the dealership, we don't add any additional fake fees. We start with the value of the vehicle and we will add approximately 18 months worth of interest.
Here's what this would look like.
A shorter the term the more you save. But, your payments will be higher. In order to lower the payments, you have to increase the length of time. But, increasing the length of time on the term, dramatically increases the total amount you pay.
*Add $5k to these figures in another chart, to determine what you would pay after the dealership adds their fake fees.
Which would you rather pay? 18 months worth of interest, which is $3,850 or 5 years worth of interest, which was $16,810?
The end result with our payment plan, is this. Factoring the down payment and all other fixed costs, program participants end-up paying around $20k for that vehicle worth $15k. Compare that to paying approximately $40k, for that same vehicle, with the dealership.
By paying more toward the principal of the vehicle, the debt is paid off faster, reducing a significant portion of interest costs.
We are able to obtain a significant reduction in costs by eliminating all the fake dealer fees and reducing the interest down to 18 months or less!
START THE PROGRAM WITH AS LITTLE AS $500
FREE SERVICE PLAN TO KEEP YOUR VEHICLE IN GOOD RUNNING CONDITION
YOU CAN PAUSE PROGRAM PAYMENTS
EXCHANGING YOUR VEHICLE
UPGRADING YOUR VEHICLE
REFERRALS --- THE GAME CHANGER!
Instead of spending lots of money on "advertising", we would rather pay our program participants for referrals.
PROGRAM QUALIFICATIONS
What if I told you, we could help you SAVE about 50% off the Total Cost of your next vehicle purchase?
We can do this by eliminating all unnecessary costs and decreasing the length of the term.
ELIMINATING UNNECESSARY COSTS - Contributing Factor #1 to saving money
- With bad credit, you basically have to take whatever the dealership offers you.
- Here's what this would look like.
- Let's say we have a vehicle worth $15k. The dealership will add a thousand maybe two, and inflate the price. Why not? All you care about is getting approved.
- Now, you're financing $17k.
Here's a list of some of the most common fake fees, dealers will add to the price.
- Destination fee
- Vehicle prep fee
- Pre-Delivery Service fee
- Pre-Delivery Inspection fee
- Reconditioning fee
- Advertising fee
- Fuel Surcharge fee
Here's some of these fake or unnecessary costs.
- Window etching
- Paint and Leather shielding
- Windshield protection
- Pinstripe Service
- Life Insurance
After adding all these fees and costs, in this example, let's say that you end-up financing $20k.
Next, we have to calculate and add the interest costs of the loan.
Here's what bad credit, high interest costs look like.
- 5 years - $15,000
- 6 years - $19,000
- 7 years - $21,750
The dealership doesn't come right out and show you the cost break-down, it's buried in the paperwork and legal jargon.
All the consumer sees is an affordable monthly payment and so there's no push back.
What you should be focusing on, is the total amount paid over time, based on a $20k loan.
5 years = 60 months X $580 = $34,800
6 years = 72 months X $533 = $38,376
7 years = 84 months X $490 = $41,160
The dealership will focus on the affordability of the payments. They're not going to point out all the extra fees and cost, and they are most certainly not going to point out how much interest you will pay over the term of the loan.
They will ask you, to select the monthly payment that you think you can afford. Everybody picks the lowest payment option, not realizing how much more they are going to pay.
DECREASE THE LENGTH OF THE TERM - Contributing Factor #2 to saving money
The majority of the savings that we help you achieve, is realized by simply decreasing the length of time on the term.
Let's use that same vehicle worth $15k, in the previous example. Unlike the dealership, we don't add any additional fake fees. We start with the value of the vehicle and we will add approximately 18 months worth of interest.
Here's what this would look like.
- 6 months = $1,700
- 12 months = $2,150
- 18 months = $3,500
- 24 months = $4,800
- 36 months = $7,500
- 48 months = $11,250
- 60 months = $16,810
- 72 months = $19,325
- 84 months = $22,750
A shorter the term the more you save. But, your payments will be higher. In order to lower the payments, you have to increase the length of time. But, increasing the length of time on the term, dramatically increases the total amount you pay.
- 6 months = $1,700 [$15k + $1,700 =$16,700] $16,700/6 months = $2,783/mo
- 12 months = $2,500 [$15k + $2,500 = $17,500] $17,500/12 months = $1,458/mo
- 18 months = $3,850 [$15k + $3,850 = $18,850] $18,850/18 months = $1,047/mo
- 24 months = $4,800 [$15k + $4,800 = $19,800] $19,800/24 months = $825/mo
- 36 months = $7,500 [$15k + $7,500 = $22,500] $22,500/36 months = $625/mo
- 48 months = $11,250 [$15k + $11,250 = $26,250] $26,250/48 months = $547/mo
- 60 months = $16,810 [$15k + $16,810 = $30,000] $31,810/60 months = $530/mo
- 72 months = $19,325 [$15k + $19,325 = $34,325] $34,325/72 months = $477/mo
- 84 months = $22,750 [$15k + $22,750 = $37,750] $37,750/84 months =$449/mo
*Add $5k to these figures in another chart, to determine what you would pay after the dealership adds their fake fees.
Which would you rather pay? 18 months worth of interest, which is $3,850 or 5 years worth of interest, which was $16,810?
The end result with our payment plan, is this. Factoring the down payment and all other fixed costs, program participants end-up paying around $20k for that vehicle worth $15k. Compare that to paying approximately $40k, for that same vehicle, with the dealership.
By paying more toward the principal of the vehicle, the debt is paid off faster, reducing a significant portion of interest costs.
We are able to obtain a significant reduction in costs by eliminating all the fake dealer fees and reducing the interest down to 18 months or less!
- Would you rather pay $20k or $40k for that $15k vehicle?
START THE PROGRAM WITH AS LITTLE AS $500
- We look at the initial program payment as your "skin-in-the-game". The more you have to get the process going, the less likely you are to walk away from your money. The less money you start with, the more "risky" this becomes for us. This impacts which vehicles we can assign to you initially. As time goes by, and you do what you're supposed to do with the program, then your choices open up with exchanges and upgrades.
- The amount of the initial program payment will determine which vehicles you are qualified for. The minimum amount to start the program with is $500. Program participants who start with $500, will be required to complete a 12 week trial period. At the end of the 12 week trial period, if all payments have been made on-time and there was no issues, the participant can exchange or upgrade to the next group of vehicles; OR stay in the initial vehicle that was assigned.
- We will typically have 2 or 3 vehicles available for program participants that need to do a Trial Period. In most cases the participants stay with the initially assigned vehicle, after the initial trial period, and continue directly into the 18 month time-frame. In other cases, participants have the option to complete an exchange or upgrade, with a new vehicle assignment agreement.
- The greater the amount of your initial program payment, the more choices you have as far as vehicles that can be assigned to you.
FREE SERVICE PLAN TO KEEP YOUR VEHICLE IN GOOD RUNNING CONDITION
- The first BENEFIT of the service plan is that we don’t charge a diagnostic fee. This is a huge profit center for most dealerships and mechanic shops. If you can get the vehicle to us, we will use our best effort to determine what the issue is and what it would cost to repair AND we will do it as quickly as possible. You are only responsible for paying the low hourly rate for the technician.
- The second BENEFIT of the service plan is that you will have access to deeply discounted parts without a markup. Assuming our technician can complete the repair to your vehicle, you would simple purchase the discounted parts and we help coordinate that process. Our organization has suppliers who can provide parts for a vehicle at lower than market average prices and we pass those discounted price savings directly to you. We will NOT mark up the cost to make a profit on parts.
- The third BENEFIT of the service plan is that you will have access to deeply discounted labor pricing. The typical hourly rate at a dealership is $185/hour. Most mechanic shops start at $85/hour. We don't take in any revenues from vehicle repairs. You only pay the labor costs of the technician. Most dealerships and shops only pay their technicians $35 to $45 an hour, AND mark up the rate so they can make a profit. Assuming our technician confirms that they can complete the repair you pay the much lower labor rate.
YOU CAN PAUSE PROGRAM PAYMENTS
- Yep, you can literally bring the vehicle back to us and pause all program payments, for any reason, without any hassle or threat to your credit.
- This is a Stress-Free way to get you through those rough times. We never know when adversity will strike in your life. This is a great way to work with program participants as they deal with unforeseen situations that temporarily affect their finances.
- We all face some adversity in our life. If you face some challenge, and are not able to make your program payments, simply call us and bring the vehicle back to us. Get through your adversity and then come back and get your vehicle.
- You can literally pick up where you left off, without any fuss!
EXCHANGING YOUR VEHICLE
- If, for some reason, you get tired of the initial vehicle assigned to you, you can exchange it for another one.
- You can complete an exchange, as long as all your program payments have been made on time and there have been no issues during the initial assignment.
- You can complete an exchange once you have reached the halfway point of the term of your contract. Halfway through your initial term, you become eligible for the benefit of exchanging your vehicle for a different vehicle that is of the same value.
- You can complete an exchange halfway through your initial term AND at the end of the payment term.
- The reason you may want to exchange your vehicle does not matter. It could be because you no longer like the color of the car. You may want to exchange your vehicle for another one because you don't like the seats (cloth/leather). You may want a sunroof, or perhaps don't like the sunroof you have now. You may realize after driving it, that it's not as roomy as you initially thought. Maybe you want to exchange your vehicle because you want a specific feature like power seats, or a rearview camera. Again, any of these reasons are ok.
- If you want to exchange your vehicle for another vehicle, we credit the majority of your payments forward into the new contract on the exchanged vehicle.
- Bring the originally assigned vehicle back to us and we will take into consideration the number of program payments you've made, the timeliness of those payments and the condition of the vehicle. You pick a new vehicle, that we confirm is about the same value of the original vehicle. We will then give you a new contract, with a new term. You lose nothing! You only gain in this scenario.
- Keep in mind, we will have to account for any significant defects or wear and tear.
- We promise to be transparent with you in our evaluations, ensuring that you get a fair and equitable financial consideration during the exchange process.
UPGRADING YOUR VEHICLE
- You can upgrade to a newer, lower mileage vehicle, that is typically a more expensive vehicle.
- This usually happens when a program participant comes into some extra money.
- Many program participants use their tax refunds to come back to us to upgrade into a newer, more valuable vehicle. But, if you come into some money through other means and want to upgrade your car, you can do that with our program.
- Bring the originally assigned vehicle back to us and we will take into consideration the number of program payments you've made, the timeliness of those payments, the condition of the vehicle and how much money you are using to upgrade with. You pick a new vehicle, and we will then give you a new contract, with a new term. You lose nothing! You only gain in this scenario.
- Upgrading your vehicle with us, is way better than a "trade-in" with a typical dealership. A typical dealership will give you trade-in value on your vehicle, subtracting as much money as they can, on every issue they find. Remember, they have to fix it up and resell it to someone else for the higher retail value. You lose in this scenario.
- By upgrading to a newer vehicle in our program, you don't lose any of the money you've paid AND you continue with the program, enjoying all the other benefits with your newer vehicle.
- Keep in mind, we will have to account for any significant defects or wear and tear.
- We promise to be transparent with you in our evaluations, ensuring that you get a fair and equitable financial consideration during the upgrade process.
REFERRALS --- THE GAME CHANGER!
Instead of spending lots of money on "advertising", we would rather pay our program participants for referrals.
- We credit your account "one-payment" for every referral that you make.
- Each referral that you send to us that participates in the program OR purchases a vehicle; qualifies you for a payment credit off the back-end of your payment plan.
- If you was able to successfully make 2 referrals per month, that activity would result in you owning the vehicle we assigned you, in 8 to 10 months instead of 18 months. You would literally own 50% or more of that vehicle through referrals.
- If you was able to successfully make 4 referrals per month, that activity would result in you basically, owning your new vehicle with us for next to nothing! You would literally own 85% or more of that vehicle through referrals. *Depends on when you started making the referrals.
PROGRAM QUALIFICATIONS
- Program participants must live in the Northeast Florida area. The vehicle must stay in Northeast Florida until vehicle assignment and ownership transfer has been completed. As far North as Hilliard, West as MacClenny, South as St. Augustine.
- Program participants must have a valid Florida drivers license.
- Program participants must have at least two years driving experience as a licensed driver.
- Program participants must have a verifiable job or income.
- Program participants must have an initial program payment (as described on this page).
- Travel outside of Jacksonville is restricted (ask us why and how this works).
- Payment plans are NOT offered on vehicles that have over 100k miles.
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#1 - WE START WITH YOUR BUDGET
The first thing we must do, is a budget. Through text, we will complete a budget. Your budget will include an itemized list of your expenses, your income and the difference between your expenses and income. There are two key elements in your budget. #1. The initial program payment and #2. the monthly differential. Together these two financial figures will determine your eligibility to participate in the program AND which car (if any) you qualify for. Once our advising team has completed the budgeting process with you, and determined what your initial program payment will be, then you will schedule your first consultation at our office. |
Budget Example
$800 Rent $300 Car Insurance $100 Utilities $200 Daycare $300 Fuel $300 Food $200 Other $2,200 subtotal $3,400 income $3,400 income -$2,200 expenses $1,200 differential |
#2 - COMPLETE YOUR FIRST CONSULTATION
#3 - COMPLETE THE APPLICATION PROCESS
#4 - SECURE AUTO INSURANCE
#5 - COMPLETE THE ELECTRONIC AGREEMENTS
#6 - PAY THE INITIAL PROGRAM PAYMENT
#7 - SCHEDULE TO PICK UP YOUR VEHICLE
- During your first consultation, we will review the program, your budget and look at vehicles.
- You will select a vehicle that you like, that fits your personal budget.
#3 - COMPLETE THE APPLICATION PROCESS
- Complete the online application.
- The advising team will provide you a link to complete an application online.
#4 - SECURE AUTO INSURANCE
- The advising team will provide you with detailed instructions on how to go about securing auto insurance.
#5 - COMPLETE THE ELECTRONIC AGREEMENTS
- The advising team will prepare and email you the electronic agreements.
#6 - PAY THE INITIAL PROGRAM PAYMENT
- You can pay the initial program payment with cash, cashiers check OR Cashapp.
#7 - SCHEDULE TO PICK UP YOUR VEHICLE
- It can take up to seven business days to get the vehicle ready for pickup.
- We have to order the title and schedule an appointment with the DMV to plate the vehicle.
HOW TO CONTACT US...
- Start by sending a TEXT message.
- We want to speak with you but, to manage our time effectively, we prefer a text message to start things out.
- Send a text message to (904) 294-6000.
- In the text message, indicate that you want to speak with us about purchasing a vehicle with this program.
- Include your Name as well, so we know who we are communicating with.
- You can make contact by text 24 hours a day, 7 days a week.
- Expect a response Monday through Saturday 11am till 8pm.