Frequently Asked Questions

1. What do I need to bring to qualify for in-house financing?

A copy of your driver's license, social security card, a utility or light bill in your name with your current address, a check stub or other form of employment verification, and a valid phone number.

2. What if I have bad credit?

As long as you have the items listed above, a poor credit score is not a problem.

3. What payment methods do you accept?

We accept cash, money order, cashier's checks and Visa, Mastercard, American Express, and Discover. We do NOT accept Personal Checks. If you finance a car with us, we offer a program called ACH which automatically debits money from your checking account. It can be set up when you first finance the car, or at any time. It can also be cancelled if you change your mind, and wish to utilize the other forms of payment.

4. What is the minimum down payment?

$800.

5. Who do I call if I have a question about sales or financing?

Troyce, Ray, or Chad, the sales manager are available to help with any questions that you may have. For internet sales involving our AutoTrader inventory, please contact Stephen.

6. What are your hours and where are you located?

AutoSpec is open 6 days a week, Monday through Friday 9:00 AM to 8:00 PM , and Saturdays 9:00 AM to 6:00 PM. (All times are Central). We are located on 45-North between Gulf Bank and Shepherd.