Frequently Asked Questions

  

  Question. How much are your down payments

Answer. Down payments start at $199 and go up from there. The down payment is based on underwriting, the vehicle, and your proven ability to pay. We ask for large down payments because that helps keep the payment lower. Lower payments help the loan perform better and you be more successful. Our average down payment over the last couple of years is $1,076.

 

Question. I have SSI income; can I get approved?

Answer. There is a 46% chance we can get you approved. Our minimum proven income needs to be $1,500 per month as a qualification to be approved. If you are married and there is more income on the application, you will pass this qualification and move on to the next one! Of course, we need to be on a cheaper vehicle and show the ability to make the payments. We will do a financial analysis with you to make sure it works for us both. We will not set you up to fail just to sell a car!!

 

Question. I have had a repo in the past, can I still get approved?

Answer. We finance people every day that have had repossessions. We will need to ask additional questions to make sure a car payment works for you. We would need to start with lower payment, then you join the SAG family. Once you have proven yourself to be a good risk, we can investigate getting you a nicer and newer vehicle. The better our history is together, the better your cars become.

 

Question. Do you offer a layaway plan on cars or down payments!

Answer. Of Course!! We do it all the time. If you like a vehicle in stock and want it to be yours, put your money down!! We will give you a non-refundable receipt that shows when the next payment must be made. If you do not return to make the scheduled payments, you forfeit your layaway money. We will then return the vehicle into stock as an available to be sold. Layaway vehicles must be paid in-full by the 45th day after layaway start date.

 

Question. How do you price your vehicles?

 

Answer. All vehicle prices are adjusted (up or down) from time-to-time based on the current market conditions. We have software that allows us to enter the vin number and miles. Then we check for all the vehicles with similar trims within 250 miles. We make sure we are within the range of those units. We also take into consideration the condition of our vehicle. If it is an extremely nice vehicle we are at the top of the range. If the vehicle shows lots of wear, we try to be at the bottom of the range.

 

Question. Can I make an offer on one of the vehicles?

Answer. Of Course!! It is your MONEY!! If the offer is close to our asking price, we will consider the offer. We will need to see if we can get the offer approved from management. If the offer is not close to our asking price, we will ask to see where you produced your offer. We will investigate the pricing once again to see if we are wrong. We might need proof from you that our pricing is wrong. It is our goal to move units every day. We want to sell if it makes sense!!

 

Question. Do you sell cars for CASH?

Answer. Yes, ALL vehicles are available for a cash sale. We accept cash, certified funds, or wire transfer to pay for the vehicles in full. The title will be prepared and ready for pickup in approximately 2-weeks.

 

Question. Do you sell older and cheaper cars too?

Answer. Yes, from time to time each location will have vehicles that have exceeded our lenders’ requirements. They might be mechanical specials and need some work to be more dependable or they might just need to be fine-tuned. They have higher miles or are just too old to re-finance. As always, feel free to bring a mechanic to check any vehicle out prior to purchasing it. Cash vehicles are sold “AS IS.”

 

Question. What do I do if my vehicle breaks down during business hours

Answer. Please call your account manager to tell them where your vehicle is located and let them know what is going on mechanically. They will make every attempt to troubleshoot your issue with you. If it cannot be resolved, towing is not covered by the service contract. Once you get the vehicle to us and pay your initial $50 diagnosis fee, we will look to see what is going on.

 

Question. What do I do if my vehicle breaks down after hours, and I need help?

Answer. Make sure to secure the vehicle and your safety. Make sure the vehicle is not where anyone else might damage it. SAFETY is the number one concern. Please have the vehicle towed to us or call us during business hours.

 

Question. What do I do if my payment device is beeping, and my vehicle will not start?

Answer. If the payment has been paid in full, please contact your account manager immediately on 405/224-4750 or 580/252-5553. You may also check the charge on your battery. It will also beep if your battery is low.

 

Question. Is there a charge to have my vehicle looked at?

Answer. A $50 up front diagnostic fee applies to all Solutions Auto Group Repair Facilities. If the repair is diagnosed to be for a component covered by your VIP Service Contract, the $50 diagnostic fee will be applied towards the $200 deductible on that policy. Please read your Service Contract Part 5-Coverages to know what IS and what is NOT covered. If the repair is not for a covered component or ALL charges are not covered, you will owe the cost of any repairs approved by you less the diagnostic fee. All fees owed will be due at the time that your vehicle is picked up unless prior arrangements have been made.

 

Question. Is there a lobby for me to wait in while my car is being worked on?

Answer. Unfortunately, all our lobbies are closed due to COVID-19 for the safety of our customers as well as our employees. Please plan to drop the vehicle off and we will call you when it is ready or be prepared to wait outside.

 

Question. What do I do if my vehicle has been in an accident?

Answer. Contact your account manager immediately at 405/224-4750 or 580/252-5553. An incident report will need to be filled out immediately.

 

Question. Can I have another shop repair my vehicle and turn in a claim to be reimbursed by the warranty?

Answer. No. All covered repairs MUST be performed by either Solutions Auto Group or an approved agent of Solutions Auto Group (approval must be given in writing). You can have another shop perform repair work at your expense only.

 

Question. Do you sell older and cheaper cars too?

Answer. Yes, from time to time each location will have vehicles that have exceeded our lenders’ requirements. They might be mechanical specials and need some work to be more dependable or they might just need to be fine-tuned. They have higher miles or are just too old to re-finance. As always, feel free to bring a mechanic to check any vehicle out prior to purchasing it. Cash vehicles are sold “AS IS.”

 

Question. What do I do if my vehicle has a manufacturer recall?

You can check to see if any vehicle is subject to an unrepaired recall by visiting https://safercar.gov/vin.   A new car dealer MUST complete all recalls directly, NOT Solutions Auto Group.

 

Question. Can I get in touch by email or phone

Answer. Please reach out if you have additional questions! You can call 405-224-4750 or 580-252-5553, press 131 when the recording starts. Feel free to email BDC [@] 199down.com with additional questions.