Our FAQs (frequently asked questions), if you don’t see the answer you are looking for, you can contact us or call 877-EasyCredit.
Dealership / Leasing / Getting Approved / Customers
Where are you located?
I am looking for a specific vehicle. What do you have available?
Our dealership has hundreds of quality vehicle makes and models; over $5,000,000 of inventory in all. One of the key differences in a dealership like ours though, is that we work with you to establish a payment you can afford and then show you a selection of cars based on that affordable payment. We don’t try to get you into more vehicle than you can afford.
How do you accept payments?
Instead of making monthly payments to a traditional leasing company, you make periodic payments directly to Express Auto, based on when you get paid. We do not accept cash at our in store payment windows, but all of the following are acceptable methods of payment: check, debit card or money order, credit card and by direct debit. You may also pay online though our website. Some methods of payment incur a small convenience fee, so we always recommend direct debit as the best payment option. It’s free; it’s safe; and it’s convenient.
What type of warranty do you offer?
In addition to a 3-day, no questions asked Love-it or Leave-it policy on all vehicles, we allow you to lease with confidence by providing a FREE 36-month/36,000 mile limited warranty free on every vehicle (a $2500 value all on its own)! Your program advisor will give you the exact warranty information prior to delivery. We also offer FREE basic maintenance, including FREE oil changes for life
Do you accept trade-ins?
Yes! Prior to going on one of our lots, every vehicle goes through a 99-point inspection. We also encourage you to take any of our vehicles to a mechanic of your choice for inspection before you purchase it. That’s how we can warranty every car.
Do you have a return policy?
Yes we do, we offer a 3-day Love-it or Leave-it exchange plan that is part of our Express Auto Advantage. Read more about it here.
Will you help build or rebuild my credit score?
Express Auto reports to credit bureaus every month. This gives you a good opportunity to improve your credit.
Can I really get a car with $0 down?
Yes. Many people take advantage of our program every month, and we do what we can to keep the down payment as low as possible in every case. Your actual down payment will depend on a lot of factors, including the vehicle you choose. The only way to know your payment specifics is to come in and fill out our program application. There is absolutely no obligation, and you’ll know exactly what your payments are going to be.
What if I don’t see a vehicle that I like?
That’s not a problem. Your program advisor will be able to show you all our availability. This includes cars at that specific store, cars available at other stores nearby, and cars we know we have coming from service. We have a constant flow of vehicles coming to the lot from our service departments, and with over 500 vehicles, we’re sure to find the vehicle that’s the right fit for you. Remember, too, that only about 50% of our inventory is available online, that’s because it changes so often we can’t keep up on the website. The best way to see everything we have available is to call and set up a time to see one of our program advisors in person.
My credit is very bad, will you really be able to help me?
Since 1999, we have been helping good people with bad credit. We have helped 10’s of thousands of customers with bad credit, so let’s give it a shot! Click here to apply now, and we will let you know how we can help.
What do I need to bring with me to get a vehicle?
a. Driver’s License
b. Your most current paycheck stub
c. Two utility bills in your name, or your lease agreement
d. Cash for your down payment
e. The names, phone numbers, and addresses of (8) references
f. Trade in and title, if applicable
Some dealers have GPS tracking devices, or starter interrupt devices that will not let my car start when I’m late on my payment. Do you have these on your cars?
No. We would rather treat our customers with respect instead of treating them as if they are on House Arrest. We feel offering reliable vehicles at affordable payments and trusting our customers is a better way of conducting business than watching over your shoulder constantly. Above all else, we feel that good communication is the key to any relationship.
How long does it take to get an approval?
Once you’ve completed the full program application, we’ll have a decision in about 20-minutes.
Will being part of the Express Auto program help my credit?
Express Auto reports to major credit bureau. This gives you a good opportunity to improve your credit. We have seen many, many customers over the years build or rebuild their credit with our help.
I’d like to speak to my account representative. How can I reach one?
a. Call us on the phone at 1-877-EasyCredit, and choose option 2.
b. Email us
I’m thinking of trading my vehicle in. How low does my balance have to be to trade it in?
We offer all of our customers a large discount if they would like to trade their Express Auto vehicle in with us! If your pay history has been reliable, we may even be able to do a larger discount, so please ask us. This discount is only good at Express Auto stores.
How do I change my due date?
We are not able to change due dates, but we can help you find a solution to help you meet your due date needs.
When am I charged a late fee?
There is no grace period on making payments, so don’t be surprised if your account representative calls you if you’re even 1-day late. Late fees are assessed by the customer service department and are charged as soon as the account is considered delinquent.
Is there a pre-payment penalty on my lease or can I pay it off at any time?
We have no pre-payment penalty. You can pay your lease off at any time with no extra fees, and you will save money on interest by doing so.
What do I do if I can no longer afford my vehicle?
We feel communication is the key to every good relationship. We have a few different programs designed to help people that fall on hard times. Contact us immediately if you think there will be a problem making your payment. The sooner you contact us, the more options we will have in how we can help you.
How do I avoid the $7.00 credit card convenience fee?
The best way to do this is to set your account up on AutoPay (also called Direct Debit or ACH). Not only will you avoid a processing fee, but since the payment comes out of your account automatically, you don’t ever have to worry about late fees. Click here for more info.
My car just broke down, whom do I call?
Call our Service Department at 269-344-2300, or feel free to contact your program advisor or the sales manager of the store where you purchased.
My car is broken down, but you are closed. What should I do?
Check if you are covered under our Warranty by calling the service department at your closest Express Auto as soon as you can. If you need towing and the repair is covered, we will tow your vehicle to the nearest Express Auto service center for free. This is part of our Express Auto Advantage.
What to Bring
To make the best use of your time, bring the following things to the dealership:
- Driver’s License
- Eight (8) References (with contact info)
- Paycheck stub less than 30 days old
- Current Phone Bill in Your Name
- A Utility Bill in Your Name
- Title for Your Trade-in (if you plan to trade in a vehicle)
Additional items you may want to bring:
- Down Payment Money
- Proof of Auto Insurance
- Social Security Number
- Financial Info (bank and credit card account info)
- Proof of Residence (mortgage document or rental lease agreement).
Lo Que Debe Traer
Para hacer el mejor uso de su tiempo, llevar las siguientes cosas para el concesionario:
- Licencia de Conducir
- Ocho (8) Referencias (con información de contacto)
- Talonario de cheques con menos de 30 días de edad
- Bill teléfono actual en tu nombre
- Una factura de servicios públicos en su nombre
- Título de su comercio en (si usted planea negociar en un vehículo)
Los artículos adicionales es posible que desee traer:
- Hacia abajo Dinero Pago
- Prueba de Seguro de Auto
- Información financiera (bancaria y tarjeta de crédito información de la cuenta)
- Prueba de Residencia (documento de la hipoteca o contrato de alquiler contrato de alquiler)