EasyAuto FAQ

• We make car buying as easy and stress-free as possible.
• Since opening our first store in Cleveland, TN in 1991, we’ve sold over 60,000 used cars to customers who have no credit or need a second chance
• We understand that bad things happen to good people, so we make our financing decisions differently than banks and franchised car dealerships
• We want to help people with bad credit, no credit, bankruptcies, and repossessions re-establish themselves.
• Easy Auto has down payments starting as low as $99* (we also finance the taxes and fees, so your small down payment is all you pay)
• We report to all three major credit bureaus, so a good payment history should improve your credit score
• Take any vehicle for a test drive and have your mechanic check it out. We’ll even pay the checkout fee for you

The easiest way to get approved is to apply online and get Pre-Approved! If you are planning a trip to one of our locations, please bring the following:

1. Copy of your valid driver’s license
2. Recent (within 30 days) check stub or proof of income

Yes, we do! In many cases a small down payment or a paid for trade-in is all you need to get into your next used car.

If you own the vehicle (there is no lien on it), we will need:

• The title (if anyone other than you is listed on the title, they will need to be present at the time of delivery with identification)
• If you live in the state of Georgia, you must be listed as an owner on the front of the trade title.

If you owe or have a lien on your trade:

• Documentation of the 10 day pay off or the phone number to the company to verify the payoff information
• A copy of the registration

Our standard down payments are listed on our vehicle pages and our average down payment is around $579. Sometimes circumstances may dictate a larger down payment than is listed on the website, but as you can see from our average, our down payments are as low as anyone’s

Also, remember that Easy Auto finances your taxes and recording fees – so your small down payment is all you pay! Click here to Get Pre-Approved Now

Easy Auto offers interest rates from 2.9% - 26.9%, with approved credit. Your interest rate will be impacted by your credit score at the time of application, however, our rates are lower than many of our industry peers. Big auto lenders and new car dealerships typically charge anywhere from 3% to 29.9% depending on a consumer’s credit history, and their tolerance for risk. We are especially competitive on customers with no credit history or customers with an impaired credit score.

This is completely up to you, but it can be as little as 30 minutes.  You can start the purchase process by browsing our inventory and applying online right now.  A member of our team will reach out (during normal business hours) after receiving your application to discuss next steps.  If you choose, you can get fully approved before you visit one of our stores.  Doing so can have you in and out of our dealership in your new car within 30 minutes.  If you do not get pre-approved online, but bring your driver’s license and proof of income in and fill out your application completely and accurately, you could be in and out in around an hour.

You may return or exchange your vehicle within 7 calendar days of purchase. The vehicle must be in substantially the same condition as when sold, with no more than 500 additional miles. Your down payment will be refunded for returns. For exchanges, the value of your initial vehicle can be applied to another of equivalent value. Returns and exchanges must occur at the dealership where the vehicle was originally purchased. Please see the store manager for details.

New car manufactures do not authorize independent dealers to repair recalls, and sometimes recall parts are unavailable. Because of this, some of our vehicles may have unrepaired recalls on them. Before completing your purchase at Easy Auto, a salesperson will review your vehicles specific recall results from the National Highway Transportation Safety Administration (NHTSA) and make sure you know if there is an unrepaired recall.

Customers are required to maintain full coverage insurance until the contract is paid in full, with deductibles that may not exceed $500.

Your vehicle will be covered with our “Peace of Mind” Limited Warranty. This limited warranty includes most major systems and drive train components.

Covered Components:

• Engine
• Transmission
• Drive Axle
• Cooling System
• Electrical System
• Air Conditioning & Heating System
• Fuel Delivery System

Non-covered items:

• Regular maintenance and service
• Tires
• Wear and tear items
• Accidental and Cosmetic damage
• Replaceable parts (battery, starter, keyless entry, etc.)
• Other items not listed above as covered

Millions of vehicles are totaled each year by collision, theft, and natural disasters. Unfortunately, many consumers are surprised to learn that their primary insurance company’s settlement can be thousands of dollars less than what they owe, plus they are still responsible for a deductible. Customers in this situation owe their finance company for the difference.  That difference is referred to as the GAP.  

The great news is you can protect yourself against a potential financial burden and safeguard your credit by purchasing the an Optional Gap Waiver. The benefits include:

Protects from unnecessary financial burden 

No up-front cost; the payments are built into your contract 

You will not be responsible for the standard deductible under your primary insurance policy 

• Unlike many 3rd party GAP programs with strict loan to value parameters, the finance company will waive any remaining balance as soon as your primary insurance company communicates that your vehicle is a total loss.