What makes us different from everybody else?
First and foremost, we are motivated to help people. We sincerely want you to have the best vehicle ownership experience.
Everybody else just wants to sell you a car, with no regard to how that purchase affects your budget, and long-term financial well-being.
We are different because we take your situation into consideration. Our advisors would like to have a conversation with you about your budget, your income and your previous vehicle purchases. Once we understand your situation, we will use our expertise to help you with your next vehicle ownership experience, and then, if you need it, your home ownership experience.
We provide a FREE advising system to help you navigate all the challenges and obstacles keeping you from having a great vehicle and home ownership experience!
To ensure your vehicle purchase is a great experience, here’s a list of commitments we stand behind.
First and foremost, we are motivated to help people. We sincerely want you to have the best vehicle ownership experience.
Everybody else just wants to sell you a car, with no regard to how that purchase affects your budget, and long-term financial well-being.
We are different because we take your situation into consideration. Our advisors would like to have a conversation with you about your budget, your income and your previous vehicle purchases. Once we understand your situation, we will use our expertise to help you with your next vehicle ownership experience, and then, if you need it, your home ownership experience.
We provide a FREE advising system to help you navigate all the challenges and obstacles keeping you from having a great vehicle and home ownership experience!
To ensure your vehicle purchase is a great experience, here’s a list of commitments we stand behind.
- Simple and Painless transaction: Your vehicle buying experience will be simple and as painless as possible.
- Save Money: Program participants will save money, a significant amount of money.
- Quality and Reliability: All vehicles have a clean title and a clean CarFax. This means you can purchase a reliable vehicle with a clean history, without any title issues. All vehicles have been thoroughly inspected, to ensure that there are no mechanical issues. If the vehicle does develop mechanical issues after you purchase it, we will help you repair your vehicle affordably, with our free lifetime service plan.
- Common Sense: Our goal is to assess your financial situation first, and then develop a common sense "customized" plan to help you achieve your financial goals so that you can have a positive vehicle and home ownership experience.
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
Dealerships have to make Profit [we do not].
Dealerships have to make a profit to stay in business. From the sales person you first meet, to the service department and the parts department. Each of these departments are profit centers for that dealership, and they all have a sales quota to meet. A sales model is designed to maximize profit, which unfortunately sets the tone for high-pressure sales tactics.
Not a sales driven business.
We are not sales driven. We know you need a vehicle, and our job is to help you buy that vehicle the right way. We have advisors, not sales people. We have way more to offer, in terms of helping you in many other financial aspects of your life, that include the purchase of a vehicle, a home and even personal development, if you need it. It’s about helping people. Not selling to people. A different philosophy, from an organization that wants to help you have the best vehicle and home ownership experience.
We make the process Simple and Convenient. It is way more convenient to be able to inspect and compare multiple vehicles without having to drive all over town. We do our best to have sedans, SUVs and pickup trucks available at our location, giving you plenty of quality, late model, low mileage vehicles to consider.
When it's time to process the tag, registration and taxes with the state, we are going to handle this process for you. No need to take off work, just to wait at the tax collector, to handle those secondary costs. We will handle all that for you in about an hour, right there in our office, at no extra cost. You will only ever pay for three fixed costs. (1) the Plate, (2) Title Transfer and (3) state and local Taxes. Compare that to the dealer markups and fees at every other dealership.
Dealerships have to make a profit to stay in business. From the sales person you first meet, to the service department and the parts department. Each of these departments are profit centers for that dealership, and they all have a sales quota to meet. A sales model is designed to maximize profit, which unfortunately sets the tone for high-pressure sales tactics.
Not a sales driven business.
We are not sales driven. We know you need a vehicle, and our job is to help you buy that vehicle the right way. We have advisors, not sales people. We have way more to offer, in terms of helping you in many other financial aspects of your life, that include the purchase of a vehicle, a home and even personal development, if you need it. It’s about helping people. Not selling to people. A different philosophy, from an organization that wants to help you have the best vehicle and home ownership experience.
We make the process Simple and Convenient. It is way more convenient to be able to inspect and compare multiple vehicles without having to drive all over town. We do our best to have sedans, SUVs and pickup trucks available at our location, giving you plenty of quality, late model, low mileage vehicles to consider.
When it's time to process the tag, registration and taxes with the state, we are going to handle this process for you. No need to take off work, just to wait at the tax collector, to handle those secondary costs. We will handle all that for you in about an hour, right there in our office, at no extra cost. You will only ever pay for three fixed costs. (1) the Plate, (2) Title Transfer and (3) state and local Taxes. Compare that to the dealer markups and fees at every other dealership.
We all want Peace-of-Mind.
Nobody wants to buy a problematic used vehicle. Unless you have a magic crystal ball that can tell you which vehicles will end-up having issues and which ones won’t, it’s a big guessing game. We can’t predict the future, that’s for sure, but, we can take measures to make sure the vehicle is mechanically sound, NOW. This is why we thoroughly inspect all vehicles we acquire for our program, and we will never list a vehicle for sale, knowing that it has issues. We inspect, test-drive and spend a great deal of time, making sure there are no issues with vehicles that we list for sale.
We know that a vehicle may be great today, and problematic next week. Why? It’s because vehicles have thousands of parts and there is a life expectancy on those parts.
Most dealerships convince you to buy a warranty or extended service contract. After market warranties give consumers a false sense of security. They are costly and often have limited coverages, high deductibles, a complicated claims process, and exclusions. Almost all after-market warranties are actually bought by the dealership for pennies on the dollar, and then sold to the consumer at a huge markup? Under a ploy, to give you a false sense of safety and comfort. In most cases, the only warranty that is worth having, is the warranty you get from a manufacturer when you buy a brand-new vehicle.
It’s important to be there for you down the road. And we mean be there for you in a big way. When you purchase a used vehicle, it does not make sense to throw away money on aftermarket warranties. We offer a free service plan, that is way better. Our free service plan is explained in more detail in the "benefits-section" of this website. Our service plan is another benefit that is sure to ensure your vehicle ownership experience continues to be positive long after the purchase.
Nobody wants to buy a problematic used vehicle. Unless you have a magic crystal ball that can tell you which vehicles will end-up having issues and which ones won’t, it’s a big guessing game. We can’t predict the future, that’s for sure, but, we can take measures to make sure the vehicle is mechanically sound, NOW. This is why we thoroughly inspect all vehicles we acquire for our program, and we will never list a vehicle for sale, knowing that it has issues. We inspect, test-drive and spend a great deal of time, making sure there are no issues with vehicles that we list for sale.
We know that a vehicle may be great today, and problematic next week. Why? It’s because vehicles have thousands of parts and there is a life expectancy on those parts.
Most dealerships convince you to buy a warranty or extended service contract. After market warranties give consumers a false sense of security. They are costly and often have limited coverages, high deductibles, a complicated claims process, and exclusions. Almost all after-market warranties are actually bought by the dealership for pennies on the dollar, and then sold to the consumer at a huge markup? Under a ploy, to give you a false sense of safety and comfort. In most cases, the only warranty that is worth having, is the warranty you get from a manufacturer when you buy a brand-new vehicle.
It’s important to be there for you down the road. And we mean be there for you in a big way. When you purchase a used vehicle, it does not make sense to throw away money on aftermarket warranties. We offer a free service plan, that is way better. Our free service plan is explained in more detail in the "benefits-section" of this website. Our service plan is another benefit that is sure to ensure your vehicle ownership experience continues to be positive long after the purchase.
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
Private Party Risk.
The biggest problem with buying from a private owner, is that you have no recourse, if the vehicle has mechanical issues, or title problems. Do you really want to take a risk on a vehicle that way?
You don’t have to take any risks, when you purchase from us. We guarantee our vehicles don’t have any issues, and when they do develop an issue, don’t worry, you can use the free service plan to have your vehicle repaired inexpensively.
Another challenge with buying from a private owner, is the process itself. Private owners list their vehicles for sale, typically from online platforms. These social media platforms are great for connecting buyers and sellers, but seeing the process through, from ad to purchase, is not as simple or easy as you might think.
Consider all the work, that has to go into chasing down individual owners, one vehicle at a time.
Scheduling can be tricky. The trip to see the vehicle may be impacted by traffic. Going back and forth to multiple appointments, can simply turn into a huge hassle.
Compare that process to visiting our location, where you can look at a wide selection of vehicles in one place. From test drive, to registration, we can get the entire process done in about an hour.
Another challenge you might face, when shopping with private owners, is losing the deal to someone else. When shopping in the private market, if you snooze, you lose.
If you want a great buying experience, we can help. Because we have all the advantages we just discussed and none of the disadvantages. It is our sincere desire to help you purchase your next vehicle and enjoy the process, the savings, the convenience and the peace-of-mind.
The biggest problem with buying from a private owner, is that you have no recourse, if the vehicle has mechanical issues, or title problems. Do you really want to take a risk on a vehicle that way?
You don’t have to take any risks, when you purchase from us. We guarantee our vehicles don’t have any issues, and when they do develop an issue, don’t worry, you can use the free service plan to have your vehicle repaired inexpensively.
Another challenge with buying from a private owner, is the process itself. Private owners list their vehicles for sale, typically from online platforms. These social media platforms are great for connecting buyers and sellers, but seeing the process through, from ad to purchase, is not as simple or easy as you might think.
Consider all the work, that has to go into chasing down individual owners, one vehicle at a time.
Scheduling can be tricky. The trip to see the vehicle may be impacted by traffic. Going back and forth to multiple appointments, can simply turn into a huge hassle.
Compare that process to visiting our location, where you can look at a wide selection of vehicles in one place. From test drive, to registration, we can get the entire process done in about an hour.
Another challenge you might face, when shopping with private owners, is losing the deal to someone else. When shopping in the private market, if you snooze, you lose.
If you want a great buying experience, we can help. Because we have all the advantages we just discussed and none of the disadvantages. It is our sincere desire to help you purchase your next vehicle and enjoy the process, the savings, the convenience and the peace-of-mind.
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
How to determine the Savings
In order to determine how much money you could save, we have to be able to compare what it would cost to buy a vehicle with our program with the same vehicle at a typical dealership. We need to establish a reference point in which costs can be compared to. We are assuming you need a payment plan and you are not qualified to purchase a vehicle due to having poor credit.
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From this point forward, we are going to assume the following points about a vehicle that we are comparing.
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We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
It's all about profit (for most dealerships)
Because your credit is poor and you are unable to secure a loan outside of the dealership, they are in control of putting the transaction together. This means they are going to find ways to charge you more money so they can make more profit. You do not have the negotiating power that a good-credit "buyer" would have. When it comes to increasing their profit margin, dealerships will inflate the price of the vehicle and add a bunch of unnecessary fees and label them as necessary fees.
Dealer Markups (inflating the price)
What is a markup? A markup is the increase in price a consumer would pay over the current market value of a vehicle. If you have poor credit, the dealership can set the price of a vehicle, to an any amount they want. To increase profit, the dealer would set the starting sales price before all the fees and interest costs are added, to a price that is several thousands of dollars higher than it is worth. The dealership will typically add anywhere from a thousand to as much as $3,500 to the value of the vehicle.
What is a markup? A markup is the increase in price a consumer would pay over the current market value of a vehicle. If you have poor credit, the dealership can set the price of a vehicle, to an any amount they want. To increase profit, the dealer would set the starting sales price before all the fees and interest costs are added, to a price that is several thousands of dollars higher than it is worth. The dealership will typically add anywhere from a thousand to as much as $3,500 to the value of the vehicle.
- In this example, the markup will be $2,000. This is an estimate only. These fees could be lower or higher.
- This does not include any costs for the plate, the title transfer and the taxes.
Dealer Fees (adding fake fees)
After inflating or marking up the price, the dealer will add in other costs, typically called dealer fees. You decide if you want to pay these fees or not. If you have bad credit, the dealership may hold their ground, because your options to buy are limited.
After inflating or marking up the price, the dealer will add in other costs, typically called dealer fees. You decide if you want to pay these fees or not. If you have bad credit, the dealership may hold their ground, because your options to buy are limited.
Here's a list of some of the most common unnecessary fees, dealers will add to the price.
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Purchase Example with a dealer
$15,000 - Market Value $2,000 - Dealer Markup* $2,000 - Dealer Fees* $19,000 - Total Cost before adding Interest |
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Purchase Example with us [same vehicle]
$15,000 - Market Value $0 - Dealer Markup $0 - Dealer Fees $15,000 - Total Cost before adding Interest |
*The markups and fees provided in these subtotals are for demonstration purposes. They could be more or less than what is listed.
With our program, we do not add any additional fees.
We start with the market value of the vehicle and we add however many months of interest you select.
With our program, we do not add any additional fees.
We start with the market value of the vehicle and we add however many months of interest you select.
FULL DISCLOSURE
The dealership is supposed to disclose and explain all fees and costs to you. They are more likely to give you the paperwork and show you where to sign, avoiding any details on exactly what you are being charged. The responsibility of reading everything is on you. You have to read past all the legal jargon and find the sections that display the costs. You are responsible for identifying extra fees and agreeing to pay them.
They are not going to tell you what the value of the vehicle is either. It is up to you to look up the value independently. You are responsible for confirming the market value of the vehicle and then communicating back to them that you do not want to pay more than market value.
WE ARE SLOW AND TRANSPARENT
Our advising team will review the Agreements with you carefully to make sure you understand exactly what the costs are and how they are calculated. We publish the values of each vehicle we list for sale. You can clearly see the NADA guide, the KBB report, the CarFax report and TrueCar report.
The dealership is supposed to disclose and explain all fees and costs to you. They are more likely to give you the paperwork and show you where to sign, avoiding any details on exactly what you are being charged. The responsibility of reading everything is on you. You have to read past all the legal jargon and find the sections that display the costs. You are responsible for identifying extra fees and agreeing to pay them.
They are not going to tell you what the value of the vehicle is either. It is up to you to look up the value independently. You are responsible for confirming the market value of the vehicle and then communicating back to them that you do not want to pay more than market value.
WE ARE SLOW AND TRANSPARENT
Our advising team will review the Agreements with you carefully to make sure you understand exactly what the costs are and how they are calculated. We publish the values of each vehicle we list for sale. You can clearly see the NADA guide, the KBB report, the CarFax report and TrueCar report.
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
INTRODUCTION TO FINANCING
When financing is required, the dealership has an entire department called the "financing department". This department's primary job is to maximize profit for the dealership. Here's how they accomplish this. First, they focus on getting you approved, emphasizing how difficult it was with your poor credit. They will use this perceived "struggle" to get you qualified, as a mechanism, to keep you from considering the notion of asking for better terms.
With poor credit, you can expect to pay a higher interest rate, than a good credit buyer would. It is always BEST to have your financing in place prior to shopping for a vehicle. When possible, avoid financing a vehicle through a dealership. If the dealership pulls your credit and confirms that it is bad [if they can get you financing] they will be in control of the "terms" from which they will offer or extend you a loan.
The dealership will focus on the affordability of the payments. They're not going to point out all the extra upfront fees and costs, and they are most certainly not going to point out how much interest you will pay over the term of the loan. If you ask, they are going to tell you "Your bad credit is driving the terms of the loan" AND then focus on the affordability of the payment.
They will ask you, to select the monthly payment that you think you can afford. You may be tempted to choose the lowest payment option, not realizing how much more you are going to pay.
We go to great lengths to customize a payment plan that is based on your budget, that will save you money. There is nothing traditional about our approach. We do not mark-up the price of the vehicle and add any unnecessary fees.
With poor credit, you can expect to pay a higher interest rate, than a good credit buyer would. It is always BEST to have your financing in place prior to shopping for a vehicle. When possible, avoid financing a vehicle through a dealership. If the dealership pulls your credit and confirms that it is bad [if they can get you financing] they will be in control of the "terms" from which they will offer or extend you a loan.
The dealership will focus on the affordability of the payments. They're not going to point out all the extra upfront fees and costs, and they are most certainly not going to point out how much interest you will pay over the term of the loan. If you ask, they are going to tell you "Your bad credit is driving the terms of the loan" AND then focus on the affordability of the payment.
They will ask you, to select the monthly payment that you think you can afford. You may be tempted to choose the lowest payment option, not realizing how much more you are going to pay.
We go to great lengths to customize a payment plan that is based on your budget, that will save you money. There is nothing traditional about our approach. We do not mark-up the price of the vehicle and add any unnecessary fees.
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
MORE TIME EQUALS MORE COSTS
The following charts show the basic costs associated to a payment plan over time.
- The first 3 columns [Green] reflect the length of time assigned to the payment plan in terms of years, months and weeks.
- The next 3 or 4 columns [Blue] provide the formula which determines the total amount paid by you over-time.
- The last 2 columns [Purple] show your options for payments in terms of monthly or weekly.
- The retail value of the vehicle in both charts is $15,000 [as previously explained].
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UNDERSTANDING THE DIFFERENCE IN SAVINGS
The end result with our payment plan, is this. You pick the number of months and weeks your budget will allow. To maximize savings, we recommend an 18 month term. You ultimately decide how much you want to pay and SAVE, knowing that the shorter the term the greater the savings. Take the last 2 columns in the chart and slide up and down the payment amounts and choose the monthly/weekly payments, that your budget can support. If you go past 20 months, the interest costs become unattractive. The sweet spot is between 14 and 20 months, or 18 months.
*Factoring the initial program payment and all other fixed costs.
*Factoring the initial program payment and all other fixed costs.
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
With our program you can save money in two ways. We do not add any unnecessary fees and we do not markup the price. We develop a budget that allows you to pay off the vehicle faster and reduce a significant portion of interest costs.
After reviewing the payment plan charts, we can conclude that choosing a short-term plan will save you the most amount of money, in terms of lower interest costs.
Find the "Sweet-Spot"
Would you rather pay $20k or $40k for that $15k vehicle? With our program, using the example of that vehicle worth $15k, you could go with an 18 month term and your total out-of-pocket is around $20k.
OR
Using that same vehicle worth $15k, at a dealership, you can expect to pay a lot more in terms of markups, fees, higher interest and be upside down in debt for 5, 6 or 7 years, and end-up paying $40k for that $15k vehicle.
The choice is yours....$20k or $40k for that $15k vehicle?
After reviewing the payment plan charts, we can conclude that choosing a short-term plan will save you the most amount of money, in terms of lower interest costs.
Find the "Sweet-Spot"
Would you rather pay $20k or $40k for that $15k vehicle? With our program, using the example of that vehicle worth $15k, you could go with an 18 month term and your total out-of-pocket is around $20k.
OR
Using that same vehicle worth $15k, at a dealership, you can expect to pay a lot more in terms of markups, fees, higher interest and be upside down in debt for 5, 6 or 7 years, and end-up paying $40k for that $15k vehicle.
The choice is yours....$20k or $40k for that $15k vehicle?
We are committed to helping you save money, while making the process of buying a vehicle simple, convenient, safe, and enjoyable. The way it should be.
HOW MUCH MONEY IS NEEDED TO START THE PROGRAM?
Starting the program will require an Initial Program Payment (IPP). With a traditional dealership, this is called the "down-payment". With our program, this is NOT considered a down payment. We do not check your credit and therefore there is no extension of credit and/or a loan being assigned to you. You will be paying into a program, not paying on a car note. There is a big difference between the assignment of a vehicle through our program and buying a car with a loan from a typical dealership.
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.
Starting the program will require an Initial Program Payment (IPP). With a traditional dealership, this is called the "down-payment". With our program, this is NOT considered a down payment. We do not check your credit and therefore there is no extension of credit and/or a loan being assigned to you. You will be paying into a program, not paying on a car note. There is a big difference between the assignment of a vehicle through our program and buying a car with a loan from a typical dealership.
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.
- The downside of having a lower initial program payment and having to do a trail period is that we may have to assign you a vehicle that is slightly less desirable.
- The trial period allows us to assign you to a vehicle that we feel is "less-risky". What risk are we referencing? The risk that you may choose to exit the program and walk away from the vehicle assignment. If you have $1,500 or more into the program, you would be walking away from that money.
- Why would someone "walk-away" from the assignment of a vehicle? Hardships, costly repairs, accidents, loss of income, insurance cancellations. These are just a few reasons why a program participant would consider exiting the program.
- These situations could cause a program participant to make poor decisions and with a relatively small amount of money to lose, they walk-away and we get stuck with costs that we shouldn't.
- For this reason, program participants who are required to complete a trial period may have to select from a small handful of specific vehicles.
- The value of a vehicle assigned to you in a trial period may be worth less than a vehicle you could be assigned to, if you had an initial program payment of $1,500, $2,500, $3,500 or more.
- The trial period will typically be 12 weeks. After the 12 week term is complete, you have some options available to you. You can keep the assigned vehicle and then move into the 18 month term OR you can exchange/upgrade into a different vehicle. To qualify for an exchange/upgrade, after the trial period, you must have made all weekly program payments on-time.
- If you do not want to complete a trial-period, AND you want to start the 18 month term immediately, you must produce an initial program payment of $1,500, $2,500, or $3,500. We usually have 4 or 5 vehicles available for each of these ipp amounts.
- At the end of the 12 week trial period, if all payments have been made on-time and there was no issues, a program 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 term. 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.
TRIAL PERIOD QUALIFICATIONS
- Program participants can start the program with a trial period with an initial program payment of no less than$500.
- Program participants must have a budget differential that is greater than $1,200/mo.
- Program participants will be required to verify the income represented in their budget.
- Program participants must have a valid Florida driver's license.
- Program participants may be required to provide a background criminal history report.
- Program participants must be at least 24 years of age. [applicants under this age would be considered on a case-by-case scenario]
DON'T LET ADVERSITY AND HARDSHIP KEEP YOU FROM SUCCESS IN THE PROGRAM
Remember, our objective is to help you long-term with both your vehicle AND home ownership experience. Because of this unique objective, we specifically want to help program participants when they need it most. We want to be here for you when, not if, you face some form of adversity or hardship.
If you had a loan with a typical dealership, and you faced some kind of hardship and was unable to make your payment(s), what would happen? They would come pickup the vehicle and you would lose all the money you paid into that loan/vehicle. This means you would have to start over and you would lose everything.
This doesn't sound very fair AND this is not conducive to our long-term goals with helping you succeed with our program.
OUR SOLUTION - GIVE YOU THE ABILITY TO PAUSE PROGRAM PAYMENTS
If you are unable to make your scheduled program payment, regardless of the reason, you can bring the vehicle back to us and pause all program payments, without any hassle or threat to your credit.
Remember, our objective is to help you long-term with both your vehicle AND home ownership experience. Because of this unique objective, we specifically want to help program participants when they need it most. We want to be here for you when, not if, you face some form of adversity or hardship.
If you had a loan with a typical dealership, and you faced some kind of hardship and was unable to make your payment(s), what would happen? They would come pickup the vehicle and you would lose all the money you paid into that loan/vehicle. This means you would have to start over and you would lose everything.
- You lose all the money that you paid into that loan.
- You lose your ability to get back and forth to work and possibly the income from that job.
- Your credit is ruined. A repossession on your credit will be a major issue for future vehicle purchases.
This doesn't sound very fair AND this is not conducive to our long-term goals with helping you succeed with our program.
OUR SOLUTION - GIVE YOU THE ABILITY TO PAUSE PROGRAM PAYMENTS
If you are unable to make your scheduled program payment, regardless of the reason, you can bring the vehicle back to us and pause all program payments, 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.
- 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 at a later date.
- You can literally pick up where you left off, without any fuss!
We want you to have the best vehicle ownership experience, at the beginning of your purchase and for as long as you continue to own that vehicle. We believe, that a positive vehicle ownership experience, is ongoing, long after the initial interaction. We have to be there for you, when your vehicle needs maintenance or repairs. The best way we can help you is to give you a predictable, low cost way to avoid the financial stress of ongoing maintenance costs and repairs.
There are 7 benefits to our Free service plan.
The first BENEFIT of our service plan, is the fact that it doesn’t cost you anything.
This adds considerable value, to the vehicle ownership experience, considering extended warranties can be expensive, often adding several thousands of dollars to the total price of a vehicle.
We’re not going to sell you something today, that you may never use, like a warranty. Instead, how about you keep that money, and when you need help in the future with maintenance and repairs, we will be there to make sure your vehicle is serviced affordably.
The Second benefit of our service plan.
Inspecting and diagnosing your vehicle is FREE! If you have any mechanical issues, we will inspect your car and provide a free diagnosis! We will use our best effort to determine what the issue is and what it would cost to repair!
The third BENEFIT of our service plan.
Enjoy saving money on deeply discounted parts. Parts may come from a local supplier, an online source, OR the manufacturer! At no cost to you, we spend the time needed to find the lowest priced parts! This saves you time and money! We will also negotiate with the suppliers or the manufacturer, when possible, to get the lowest price! After doing the research, we give you a cost comparison, or break down of your options! What suppliers have what parts, and what price the supplier is selling those parts for! This is great for you, because we can compare the retail prices, with the discounted prices and easily calculate how much money can be saved! You benefit from this arrangement, by being able to purchase parts at the discounted price!
We will NOT mark up the cost to make a profit! This system not only encourages transparency in pricing, but also assures program participants will save the most amount of money, enhancing the long-term vehicle ownership experience. In most cases, program participants save as much as fifty and sixty percent off the normal price!
The fourth BENEFIT of our service plan, deals with labor costs for the mechanics and technicians that we need to work on your vehicle.
Here’s how we approach repairs.
After we inspect your vehicle for free, depending on what the issue is, we will recommend one of the following 3 options.
Option number one, take the vehicle to the dealership!
Some repairs require specific diagnostic equipment that only manufacturer of that vehicle will have. Therefore, you would need to take it to the manufacturer’s designated repair location, which is often built into a large franchise dealership.
We will call ahead and coordinate that repair, and ask them for VIP pricing, to help you save money!
Option number two, take the vehicle to a specific shop!
You may need to take your vehicle to a specific shop or specialized mechanic!
Depending on the issue your vehicle is experiencing, we may refer you to a third party shop or specialized mechanic to fix that specific issue. We will call ahead and coordinate that repair, and ask them for VIP pricing, to help you save money!
Option number three, have the work done by our technicians!
If our technicians can do the work, you will gain access to exceptionally low rates for their time. Expect to pay 50 to 60 percent less than any other source for labor costs.
At a dealership, or typical mechanic shop, you might expect to pay:
$100-$150 per hour for labor, let’s go with $125 an hour, for the following example.
And you would pay 25 to 65 percent extra for the markup on parts. Let’s say 50 percent for this example.
For a typical repair that requires 5 hours of labor and $300 in parts (pre-markup), you might end up paying:
•Labor: 5 hours x $125/hour average = $625
•Parts: $300 + 50% markup = $450
•Total: $1,075
Now, let’s compare that to what you would pay with our service plan:
•Labor: 5 hours x $40/hour = $200
•Parts: $300 (no markup)
•Total: $500
That’s a pretty significant savings, wouldn’t you say?
As you can see! Choosing to purchase a vehicle from us with this service plan, will contribute to a more financially sustainable ownership experience.
By offering this plan at no cost, we eliminate a significant upfront financial cost. The plan is designed to give you peace of mind and a clear understanding of what future vehicle expenses will look like.
We look forward to helping with you with a predictable, affordable way to mitigate expensive ongoing maintenance costs and repairs.
There are 7 benefits to our Free service plan.
- Benefit number one, the plan itself is free.
- Benefit number two, inspections are free!
- Benefit number three, SAVE money on parts!
- Benefit number four, SAVE money on labor!
- Benefit number five, repair bills can be incorporated into the payment plan.
- Benefit number six, access to a courtesy vehicle.
- Benefit number seven, free oil and filter service.
The first BENEFIT of our service plan, is the fact that it doesn’t cost you anything.
This adds considerable value, to the vehicle ownership experience, considering extended warranties can be expensive, often adding several thousands of dollars to the total price of a vehicle.
We’re not going to sell you something today, that you may never use, like a warranty. Instead, how about you keep that money, and when you need help in the future with maintenance and repairs, we will be there to make sure your vehicle is serviced affordably.
The Second benefit of our service plan.
Inspecting and diagnosing your vehicle is FREE! If you have any mechanical issues, we will inspect your car and provide a free diagnosis! We will use our best effort to determine what the issue is and what it would cost to repair!
The third BENEFIT of our service plan.
Enjoy saving money on deeply discounted parts. Parts may come from a local supplier, an online source, OR the manufacturer! At no cost to you, we spend the time needed to find the lowest priced parts! This saves you time and money! We will also negotiate with the suppliers or the manufacturer, when possible, to get the lowest price! After doing the research, we give you a cost comparison, or break down of your options! What suppliers have what parts, and what price the supplier is selling those parts for! This is great for you, because we can compare the retail prices, with the discounted prices and easily calculate how much money can be saved! You benefit from this arrangement, by being able to purchase parts at the discounted price!
We will NOT mark up the cost to make a profit! This system not only encourages transparency in pricing, but also assures program participants will save the most amount of money, enhancing the long-term vehicle ownership experience. In most cases, program participants save as much as fifty and sixty percent off the normal price!
The fourth BENEFIT of our service plan, deals with labor costs for the mechanics and technicians that we need to work on your vehicle.
Here’s how we approach repairs.
After we inspect your vehicle for free, depending on what the issue is, we will recommend one of the following 3 options.
Option number one, take the vehicle to the dealership!
Some repairs require specific diagnostic equipment that only manufacturer of that vehicle will have. Therefore, you would need to take it to the manufacturer’s designated repair location, which is often built into a large franchise dealership.
We will call ahead and coordinate that repair, and ask them for VIP pricing, to help you save money!
Option number two, take the vehicle to a specific shop!
You may need to take your vehicle to a specific shop or specialized mechanic!
Depending on the issue your vehicle is experiencing, we may refer you to a third party shop or specialized mechanic to fix that specific issue. We will call ahead and coordinate that repair, and ask them for VIP pricing, to help you save money!
Option number three, have the work done by our technicians!
If our technicians can do the work, you will gain access to exceptionally low rates for their time. Expect to pay 50 to 60 percent less than any other source for labor costs.
At a dealership, or typical mechanic shop, you might expect to pay:
$100-$150 per hour for labor, let’s go with $125 an hour, for the following example.
And you would pay 25 to 65 percent extra for the markup on parts. Let’s say 50 percent for this example.
For a typical repair that requires 5 hours of labor and $300 in parts (pre-markup), you might end up paying:
•Labor: 5 hours x $125/hour average = $625
•Parts: $300 + 50% markup = $450
•Total: $1,075
Now, let’s compare that to what you would pay with our service plan:
•Labor: 5 hours x $40/hour = $200
•Parts: $300 (no markup)
•Total: $500
That’s a pretty significant savings, wouldn’t you say?
As you can see! Choosing to purchase a vehicle from us with this service plan, will contribute to a more financially sustainable ownership experience.
By offering this plan at no cost, we eliminate a significant upfront financial cost. The plan is designed to give you peace of mind and a clear understanding of what future vehicle expenses will look like.
We look forward to helping with you with a predictable, affordable way to mitigate expensive ongoing maintenance costs and repairs.
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 scheduled 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.
- Exchanging your vehicle with us, is way better than trading it in. 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. Your financial loss is huge, 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.
- Upgrading your vehicle with us, is way better than trading it in. 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. Your financial loss is huge, 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.
THE GAME CHANGER!
Instead of spending lots of money on "advertising", we would rather pay our program participants for referrals.
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 participants must live in the Northeast Florida area. The vehicle must stay in Northeast Florida until the vehicle assignment and ownership transfer has been completed. Assigned vehicles can be driven as far North as the Florida/Georgia line, as far West as MacClenny, South as St. Augustine and East as Jax Beach.
We do not want the vehicle to be driven more than an hour away from our office. If something happens in a city, far-away, you can always fly home or make other arrangements to get home and back to work. However, your vehicle is now stuck in another city and navigating the costly and time-consuming process of getting it back home can take time, money and be a huge hassle.
#1. An Accident - If you have a major accident and your vehicle is severely damaged, the process is manageable if it happens here. There's a big difference between a major accident here in Jacksonville and one that occurs in another city, far-away. In a city far-away, whether it's your fault or not, if the vehicle is heavily damaged, it has to be towed and someone has to pay for that immediately, otherwise it goes to the police impound. This situation can go wrong in so many ways. The costs of an impound may potentially be covered but it can take months for the insurance companies to figure that out. The longer it takes the more it will cost to get out of storage. It take time, to figure out who is paying for the tow, the storage and the repairs. If the vehicle is here, at our location, then it's no where near as difficult of a process. But, in a far-away city, the process can become insurmountable. If you have an accident here in Jacksonville, we can get involved and have the vehicle stored at our location [at-no-cost], avoiding those costly storage fees.
#2. A Mechanical Failure - If you have a mechanical failure of any kind, the process to inspect, diagnose and repair is simple and affordable as long as we can get the vehicle here to our shop. If your daily driver is broken down in another city, far-away, it will have to be towed to the nearest mechanic's shop. Even if you have insurance or AAA, unless you pay for extended proximity transportation coverages with your insurance carrier or AAA, they are not going to transport the vehicle to Jacksonville. If you don't have pre-paid towing services through your insurance or AAA, then it is your responsibility to find a local mechanic and transport your vehicle. Even if you find a mechanic and pay to have it transported, the odds are not in your favor. The mechanic is going to know you're not local and will have this one opportunity to turn your mis-fortune into their gain. We've seen simple repairs turn into ridiculously expensive money-pits. You don't want the vehicle sitting at a mechanic's shop in a city, far-away. We've seen situations where the vehicle was sabotaged, or fabricated entirely. Either way, you don't have the time to figure that out. If your vehicle has a mechanical failure here in Jacksonville, you get it to us and you don't have to worry about getting ripped-off.
We have the Solution...
We have the perfect solution to this dilemma. If you absolutely have to travel outside of Jacksonville, we got a plan to help ensure our vehicle is not at RISK. Simply call us and arrange to leave the vehicle at our shop. We will work with you to help you rent a vehicle at a reduced price AND allow you to pause your payments. You can use the money that was going to payments to cover your travel expenses. In this scenario, the rental vehicle is at RISK, not our vehicle. Your daily driver is safely waiting for you when your travels are done.
The only exception to these guidelines, is if your initial program payment was greater than $3,500. If you can come up $3,500 or more than we may consider a vehicle assignment in our program, AND allow you to take the vehicle outside of North East Florida. Participants who want to travel outside of North East Florida, may be able to submit a request once they have successfully participants in the program for six months or longer. Requests are approved on a case-by-case scenario, based on the participant's payment history and over-all relationship with our advising team.
We do not want the vehicle to be driven more than an hour away from our office. If something happens in a city, far-away, you can always fly home or make other arrangements to get home and back to work. However, your vehicle is now stuck in another city and navigating the costly and time-consuming process of getting it back home can take time, money and be a huge hassle.
#1. An Accident - If you have a major accident and your vehicle is severely damaged, the process is manageable if it happens here. There's a big difference between a major accident here in Jacksonville and one that occurs in another city, far-away. In a city far-away, whether it's your fault or not, if the vehicle is heavily damaged, it has to be towed and someone has to pay for that immediately, otherwise it goes to the police impound. This situation can go wrong in so many ways. The costs of an impound may potentially be covered but it can take months for the insurance companies to figure that out. The longer it takes the more it will cost to get out of storage. It take time, to figure out who is paying for the tow, the storage and the repairs. If the vehicle is here, at our location, then it's no where near as difficult of a process. But, in a far-away city, the process can become insurmountable. If you have an accident here in Jacksonville, we can get involved and have the vehicle stored at our location [at-no-cost], avoiding those costly storage fees.
#2. A Mechanical Failure - If you have a mechanical failure of any kind, the process to inspect, diagnose and repair is simple and affordable as long as we can get the vehicle here to our shop. If your daily driver is broken down in another city, far-away, it will have to be towed to the nearest mechanic's shop. Even if you have insurance or AAA, unless you pay for extended proximity transportation coverages with your insurance carrier or AAA, they are not going to transport the vehicle to Jacksonville. If you don't have pre-paid towing services through your insurance or AAA, then it is your responsibility to find a local mechanic and transport your vehicle. Even if you find a mechanic and pay to have it transported, the odds are not in your favor. The mechanic is going to know you're not local and will have this one opportunity to turn your mis-fortune into their gain. We've seen simple repairs turn into ridiculously expensive money-pits. You don't want the vehicle sitting at a mechanic's shop in a city, far-away. We've seen situations where the vehicle was sabotaged, or fabricated entirely. Either way, you don't have the time to figure that out. If your vehicle has a mechanical failure here in Jacksonville, you get it to us and you don't have to worry about getting ripped-off.
We have the Solution...
We have the perfect solution to this dilemma. If you absolutely have to travel outside of Jacksonville, we got a plan to help ensure our vehicle is not at RISK. Simply call us and arrange to leave the vehicle at our shop. We will work with you to help you rent a vehicle at a reduced price AND allow you to pause your payments. You can use the money that was going to payments to cover your travel expenses. In this scenario, the rental vehicle is at RISK, not our vehicle. Your daily driver is safely waiting for you when your travels are done.
The only exception to these guidelines, is if your initial program payment was greater than $3,500. If you can come up $3,500 or more than we may consider a vehicle assignment in our program, AND allow you to take the vehicle outside of North East Florida. Participants who want to travel outside of North East Florida, may be able to submit a request once they have successfully participants in the program for six months or longer. Requests are approved on a case-by-case scenario, based on the participant's payment history and over-all relationship with our advising team.
Program participants must have a valid Florida drivers license. If you do not have a valid driver's license for the state of Florida, you will be required to secure that prior to taking assignment of the vehicle. Your Florida drivers license can not be suspended.
click here to check with the state of Florida to verify whether your drivers license is valid or suspended. If your license is suspended during the vehicle assignment, you will be given 3 to 5 business days to resolve the issues causing your license to be suspended.
Program participants must have at least three years driving experience as a licensed driver. Participants must be 24 years of age or older.
The only exception to these guidelines, is if your initial program payment was greater than $3,500. If the initial program payment is $3,500 or more than we may consider a vehicle assignment in our program, regardless of your age and driving history.
click here to check with the state of Florida to verify whether your drivers license is valid or suspended. If your license is suspended during the vehicle assignment, you will be given 3 to 5 business days to resolve the issues causing your license to be suspended.
Program participants must have at least three years driving experience as a licensed driver. Participants must be 24 years of age or older.
The only exception to these guidelines, is if your initial program payment was greater than $3,500. If the initial program payment is $3,500 or more than we may consider a vehicle assignment in our program, regardless of your age and driving history.
Program participants must have a verifiable job or income.
Program participants must have an initial program payment. The minimum amount is $1,500. The initial program payment is part of the budgeting process. The vehicle(s) you would have access to will be determined by the initial program payment and what you can afford in terms of payments. Vehicles that are newer with lower mileage, cost more and therefore would require a larger initial program payment.
Payment plans are NOT offered on vehicles that have over 100k miles or that are older than 10 years. The objective of the program is to help you reach a point in time where you have "life" on the vehicle without any payments. For this reason, we acquire vehicles for the program, that have under 80k miles, to increase the odds that in about a year and a half, you will have reliable transportation without any debt. It would not make sense to select a vehicle that has over 100k miles, when we know that high-mileage vehicles often are at risk of more expensive mechanical repairs.
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THE BUDGET DRIVES EVERYTHING [NOT CREDIT]
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 |
CONSULTATIONS AND COMMUNICATIONS
Whether by phone or in person, we need to build a custom plan for you that brings together your budget and a vehicle.
Whether by phone or in person, we need to build a custom plan for you that brings together your budget and a vehicle.
- You will select a vehicle that you like, that fits your budget.
- Not all the vehicles listed on our inventory page would be available for assignment. [ask us why]
THE APPLICATION PROCESS
Do NOT attempt to complete the program application until a vehicle has been selected AND your advisor has instructed you to fill out the application. Do not complete this step until requested to do so by one of our Advisors.
Do NOT attempt to complete the program application until a vehicle has been selected AND your advisor has instructed you to fill out the application. Do not complete this step until requested to do so by one of our Advisors.
click here - This is the link that will take you to the program application---[do not fill out the application until we tell you to]
SECURE AUTO INSURANCE
You will be purchasing insurance from a third party carrier like Progressive, All-State, Geico, The General, Direct Auto, etc.
You will be purchasing insurance from a third party carrier like Progressive, All-State, Geico, The General, Direct Auto, etc.
- click here - Follow this link to review the insurance coverages and requirements.
- click here - Follow this link to shop for auto insurance.
- click here - Follow this link to learn more about how auto insurance works.
COMPLETE THE ELECTRONIC AGREEMENTS
PAY THE INITIAL PROGRAM PAYMENT
- The advising team will prepare and email you the electronic agreements.
- These agreements will include a customized payment plan designed to fit your budget and long-term financial plan.
PAY THE INITIAL PROGRAM PAYMENT
- You can pay the initial program payment with cash, cashiers check OR CashApp.
- The initial program payment is the only payment that can be made with cash.
- All scheduled program payments will be made with CashApp.
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 [2 or 3 days].
- When the title arrives we schedule an appointment with the DMV [2 or 3 days].
- We go to the DMV and have a metal plate assigned to the vehicle.
- Your advisor will coordinate with you and in some cases, these times frames can be expedited.
- 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, 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.