Question 1

How can I apply for financing?

Accepted Answer

You can apply online before you visit by filling out the pre-approval form below, and I will reach out shortly to verify the details for your financing, or I can help you in person. Either way, it’s quick and secure.

Question 2

Do I need an appointment to stop by?

Accepted Answer

Yes. Scheduling locks in my full attention. It lets me prep the vehicle so you can drive it immediately, and it guarantees the unit is still here when you arrive.

Question 3

What should I bring when I come in?

Accepted Answer

Bring your driver’s license, proof of insurance, and any trade-in details (like the title, registration, or loan payoff if you’re still financing). If we’re working with challenged or rebuilding credit, make sure to bring your most recent pay stubs — that helps me line up the best approval options for you.

Question 4

Can you help if my credit isn’t great?

Accepted Answer

Every situation’s different, but yes — I’ve helped a lot of people who were in the middle of rebuilding, even some buying while still in bankruptcy. The best move is to talk through your situation so I can point you toward the right lender and next steps. You might be closer to approval than you think.

Question 5

This is my first car — what do I do?

Accepted Answer

No worries, that’s exactly what I’m here for. When it’s your first vehicle, lenders don’t have any credit history to go off of, so having some money down and a cosigner with established credit makes a huge difference in getting approved. Bring your driver’s license, proof of income, and proof of insurance, and I’ll help you figure out what fits your budget and what it’ll take to get you on the road.

Question 6

Do you take trade-ins?

Accepted Answer

Yes — even if you still owe money on your current vehicle. I’ll appraise it and show you what it’s worth toward your next ride.

Question 7

What if I’m buying from out of state?

Accepted Answer

No problem — I can guide you through shipping, paperwork, and registration. Happens more often than you’d think.

Question 8

How do I contact you directly?

Accepted Answer

Schedule an appointment with me and I'll reach out to confirm and go over any questions you may have.

Question 9

How much money down do I need?

Accepted Answer

It depends on the vehicle and your credit approval. Some folks drive off with little to nothing down, others put more to lower their payments. Once we get a quick credit check, I’ll tell you what it’ll take to make it work.

Question 10

“What’s your best price?” “I don’t want to pay more than $X.” “You’ll have to come down on that.”

Accepted Answer

Whatever vehicle you’re looking at, it's already at the best price. There’s no secret discount hiding in my back pocket, no “let me talk to my manager” magic trick. The lenders, taxes, and math all conspired to make this number what it is. If I could drop it just to make us both feel warm and fuzzy, I would, but feelings don’t pay off loans. I know it sucks; I’ve been there. 
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So, before you get all bent out of shape, hit the calculator and rate sheet on the "learn about car shopping" section, maybe it breaks your heart, maybe it proves you can actually swing it. Either way, you’ll walk away knowing the truth instead of chasing fairy tales.
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PS. Math is math in every dealership, this is not a me thing.

Question 11

I have a complaint

Accepted Answer

I'm sorry you feel that way. If you have any grievances follow this link to submit your complaints: 
https://tinyurl.com/Complaintsaboutmanny

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I'm Manny Ace, your go-to sales consultant for new and pre-owned vehicles. Let's find the right car for you—schedule your appointment today!

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