Frequently Asked Questions and Answers

    We help people with credit problems such as bankruptcy, no credit or bad credit, get reliable transportation and a car loan, at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are the specialists, this is all we do. We treat our customers with the respect they deserve.

    Have you been treated rudely or differently at a car dealership when the salesperson found out you had credit issues? NOT AT Bell’s Auto Sales! Any credit problem you may have, no matter what it is, we’ve seen it before. Nothing you say is going to surprise us, or embarrass you. Bell’s Auto Sales have helped many people get the car, minivan or truck they want.

    Bell’s Auto Sales has vehicles starting with down payments as low as $800. We know you work hard for your money. You can use a trade in as a down payment also. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do.

    Bell’s Auto Sales is focused on ensuring our payments work with our customers’ budget. Our monthly payments start as low as $150 a month. The monthly payment is based on the selling price of vehicle, down payment and the term of the loan. The best way to lower the payments is by putting a larger down payment. We can also look at a less expensive car to lower your payments. You will know your exact monthly payment once you apply and decided what vehicle you want to drive home!

    Unlike the majority of ‘buy-here pay-here’ dealerships, we don’t have the same down payments for everyone. We customize our down payments per vehicle and per customer. Typically, higher priced vehicles require a higher down payment, which is pretty standard. We will let you know what your minimum down payment is on each vehicle once you apply.

    Yes you will!!! All our finance company requires is that your income is at least $800 per month fixed income. If you receive that or more through a fixed income or a combination of incomes, you will be approved!!!

    Absolutely, You can still purchase a vehicle from us.  it just adds one additional step in the process. The additional step is getting your trustee to approve the purchase if you haven’t completed the “meeting of the creditors” yet. If you have a prior bankruptcy that has been finalized, simply get approved online.

    ABSOLUTELY!!! Our finance companies report to the all the major credit bureaus, so if you make your payments on time you will see a substantial improvement in your credit score!!! This can lead to better rates and terms in the future for any financing that you (auto, personal, mortgage).

    If you are financing a vehicle through us, you are required by law to have full coverage insurance. If you are purchasing a vehicle cash, you can purchase any kind of insurance policy you would like for you vehicle.

    Yes there is!!! If you have someone who can go on the loan with you and together you guys have a total of at least $800 per month income, we can get you approved!!! For example if you make $600 per month, you just need somebody who makes $200 per month or more to get approved for a loan!!! This will also improve both of your credit scores for future purchases!!!

    No, it does not!!! All of our finance vehicles have been checked for frame damage, flood damage and have actual mileage. They also all have original titles. Our finance company will not finance a vehicle that shows frame damage, flood damage, salvage title, or not actual mileage.

    Yes, that is possible, as long as you are approved beforehand for that vehicle.

    Absolutely!!! We take any trade vehicle as long as you can somehow get it to our car lot!!! It does NOT have to be in running condition. The only requirements are that you have the title to the vehicle and we will use that towards your down payment!!!

    We are open Monday-Friday 12:00pm-5:00pm. At certain times of the year, we are open on Saturdays as well (usually between FEB and June).

    A lot of things!!! We guarantee that we can get you approve and we deliver on that promise. Our finance specialists have years of experience and know how to get you approved and into a vehicle as quickly as possible. Perhaps the most important difference is that we care about our customers and strive to help them in any way that we can. Bell’s Auto Sales is a family owned business that understands that customer service is paramount in being successful. Our employees work towards complete customer satisfaction and nothing less!!!
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