In-house financing, decided here.

No. We carry our own notes, which means we make the lending decision here instead of sending your application off to a bank. Bad credit, no credit at all, a repossession behind you, a bankruptcy — none of those end the conversation. What we care about most is that you have steady income and that the payment fits your life.

We do look at your situation before we put a deal together. What we don't do is let a computer score in another city decide for you.

It depends on the vehicle and on your situation, so we won't put a number on a website and then change it on you when you walk in. Down payments here are low, and there's usually some room to work. Tell us what you've got and what you're looking for, and we'll tell you straight what we can do with it.

Your driver's license, proof of income (a couple of check stubs works — if you're self-employed or paid in cash, call us and we'll talk about what to bring), proof of where you live like a bill with your address on it, a payment reference or two (somewhere you've kept up a note — furniture, appliances, a title loan), and your down payment.

You'll also need full-coverage insurance before you drive off — we carry the note, so the vehicle has to be covered. If you don't have a policy yet, we can point you to somebody local.

No. The application on our site asks about your income, where you work, and your references so we can give you a real answer faster instead of playing phone tag. Nothing about filling it out affects your credit.

Ask us when you come in and we'll tell you exactly how we handle it. If building your credit back is the main thing you're after, say so up front — it should be part of the conversation, not a surprise later.

You pay us directly. Come by the lot Monday through Friday, call it in. There's no bank in the middle and no 800 number. Details are on our payments page.

Call us before the due date. We mean that. Everybody has a week where the truck breaks or the hours get cut, and the people who tell us what's going on almost always get worked with. The ones who go quiet are the ones who end up in trouble. One phone call is usually the whole difference.

Yes, and we're glad to. Every vehicle we sell is sold as-is, so once you drive off the repairs are yours — that's worth knowing before you sign. If you'd like somebody you trust to look it over first, tell us and we'll hand you the keys. Nobody here is going to rush you or act put out about it.

All the time. Most of our customers come from Cherokee County and the counties around it — Jacksonville, Alto, Troup, Wells, Palestine, Henderson. If you're driving a ways, call first and we'll make sure the vehicle you want is still on the lot.