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Question:: Has White Mountain Auto Broker ever turn anyone down?

Answer:: No. White Mountain Auto Broker has never turned anyone down. We finance anyone, and do not require a credit check, which means everyone is approved.

Question: Does White Mountain Auto Broker offer a warranty on their vehicles?

Answer: Yes, all vehicles at White Mountain Auto Broker come with the area’s best pre-owned vehicle warranty —12 months or 24,000 miles on the engine, transmission, starter, alternator and water pump. There is no deductible, and no cost to you, for this peace of mind.

Question: Exactly what does White Mountain Auto Broker do?

Answer: We help people with credit problems like bankruptcy, no credit or bad credit, to get reliable transportation and a car loan, at terms they can afford. Most car dealerships are not prepared to deal with the credit challenged person. We are the specialists; this is all we do. We treat our customers with the respect they deserve. Have you been treated rudely or differently at a car dealership when the salesperson found out you had credit issues? NOT at White Mountain Auto Broker! Any credit problem you may have, no matter what it is, we’ve seen before. Nothing you say is going to surprise us, or embarrass you. White Mountain Auto Broker has helped over 10,000 people in northern New Hampshire and Vermont to get the car, minivan or SUV they want. No other dealer or vehicle finance company in our region has done more in this respect than White Mountain Auto Broker has. We can help you!

Question: Does that mean you charge high interest rates?


Answer: Our interest rate to finance you is 19%. Because our loans are short-term, averaging 12 to 18 months, our total finance charge per sale is in the range of $400.00 to $700.00. Compare that to long-term, multi-year loans at lower interest rates, and you’ll find the interest you pay us will be far less. In addition, our loan process is quick and easy. If you wish to accelerate your loan payments, or put down more than the minimum required down payment (so that you finance less), you can further reduce the interest on your loan.

Question: Do you need large down payments?

Answer: Our usual finance policy is 20% of the cost of the vehicle down. If you don’t have that we probably have a plan that will fit you, like a deferred down payment plan. We know you work hard for your money. All we need from you to begin is information —how long you’ve been at your job, how long you’ve lived in your current residence, and how long you’ve been in the local area. You can also use a trade-in as a down payment. Even if you don’t have your down payment right now, you owe it to yourself to contact us and let us show you what we can do. All White Mountain Auto vehicles come with the exclusive White Mountain Auto Advantage Warranty. We provide more than just a vehicle — we provide you peace of mind as well.

Question: What kind of cars do you sell?

Answer: White Mountain Auto Broker sells all kinds of cars, SUVs and minivans. Our “old reliables,” those domestic lines we’ve found to offer reliable performance, value and durability, include the Cherokee Sport and Grand Cherokee, Ford Explorer and Taurus, Chevrolet Cavalier and Malibu, Saturn, Pontiac Grand Am and Grand Prix, and the Dodge Neon, Caravan and Grand Caravan. We offer AWD Subarus as we can find them, and they’ve proven popular with our customer base. No matter who manufactured it, every vehicle we sell has gone through our 61-point checklist, and comes with a current State Inspection, temporary plate and warranty.

Question: What are the requirements for purchasing a vehicle at White Mountain Auto Broker?

Answer: You’ll need a valid Driver’s License, current pay stubs or proof of income, proof of residence, your trade and title if you have one, and any down payment you may have. You’ll also need to bring with you a list of 8 references with names, addresses and phone numbers. White Mountain Auto Broker does not require insurance to finance you.

Question: How do the payments work?

Answer: Payments can be weekly, bi-weekly, or monthly, based on your income schedule. We are able to provide more flexible financing options than new car and other used car dealerships, because we are the lender. The decisions are ours to make. This gives us an advantage the other guys just don’t have. Payments can be made in many convenient ways — at our office, through the mail, night drop box, or even online. We will custom design a financing program for your individual situation.

Question: How long does it take?

Answer: Chances are we probably have the vehicle you want at one of our four locations right now. About two-thirds of our customers can drive home in a White Mountain Auto vehicle the same day they visit us. Others may need to go home and collect pay stubs or the like to be able to take delivery. If you bring in all the information we need, it can take as little as 45 minutes! With four offices to choose from, we have a dealership near you. You can even apply online 24/7 and be pre-approved before you arrive at our office. It doesn’t get much easier than that!

Question: What types of people buy cars from White Mountain Auto Broker?

Answer: White Mountain Auto Broker helps all kinds of people buy cars. We understand that good people can and sometimes do have credit problems. White Mountain Auto Broker customers include professionals, white collar and blue collar workers, medical professionals, teachers, divorced people, people with unpaid bills, retirees on a fixed income, and many others from all walks of life. What you do for a living, where you live, or where you went to school does not define you or your credit situation. At White Mountain Auto Broker we will treat you as an individual, not just a credit rating. Our credit specialists will discuss with you the vehicles and loan terms that work for you. No matter who you are or what your credit situation may be, we will treat you with dignity and respect.

Question: Can I take my vehicle to my own mechanic for him to inspect it before I purchase?

Answer: Yes, as long as you are approved beforehand for that vehicle. We have complete confidence in our vehicles and stand behind them.

Question: Do you take trade ins?

Answer: Yes, we take trade-ins of any make, model and year.

Question: I have a bankruptcy, can you arrange financing for me?

Answer: Yes, as long as the bankruptcy has been discharged. You may be asked to bring some paperwork with you confirming this.

Question: How do you help people rebuild their credit?

Answer: White Mountain Auto Broker sells cars and makes loans to people whom banks and most car dealerships don’t want or aren’t prepared to deal with. One of our goals is to build a long-term relationship with you. The vehicle you purchase and its loan terms will fit your ability to pay. We want you to complete your loan successfully and then purchase your next vehicle from us. Many of our customers are able to upgrade vehicles in 12-18 months from their first purchase from us. Your successful loan completion at White Mountain Auto Broker will enhance your credit rating. We report all transactions to Equifax, one of the “big three” national credit reporting companies.  When you buy from White Mountain Auto Broker, we help you stay current. Your payments may be made weekly or bi-weekly instead of monthly, and we’ll provide you with a payment book. Many customers find these steps make it easier to budget. Because we don't shop your loan around to a bunch of banks, your credit report won't suffer by making it appear like you're looking for money — which is exactly what happens when you buy from other dealerships. Your White Mountain Auto Broker loan will stay right here with us. Best of all, unlike smaller dealerships, each time you make an on-time payment to us, it helps build your credit, since we report to Equifax monthly. You can start to establish a better credit rating immediately. Most customers prefer to make payments at our office. Customers get to know our sales and credit consultants, and we get to know you. This personal relationship helps you work through some of the potential problems you may have making payments. Try that at a bank!

Question: What about these companies advertising to “Fix” my credit for a large fee?

Answer: The fact is that no one can fix credit-related problems but the borrower himself or herself. We can help credit-challenged customers get back on track … but it is up to them. Regardless of what problem may have caused late payments or missed payments, the borrower now has a blemished credit record. To regain control of your life and to have things people with good credit enjoy like unsecured credit cards, new appliances and furniture (without “renting” them for big bucks) or even eventually your own home … you have to get your credit rating back. Your on-time payments at White Mountain Auto Broker will help you to do that. While it’s easy to damage your credit, fixing it will take time and effort on your part. It won’t happen overnight, but if you are serious, and work at it, you can turn it around. At White Mountain Auto Broker, we can help.

Question: If I want to be approved for a White Mountain Auto Brokers loan and vehicle, what do I have to do?

Answer: Everyone is approved. We never turn anyone down. You can stop by one of our offices and talk to one of our credit specialists in person. They will speak to you about your credit situation in a relaxed and confidential manner. Once your budget and needs are established, you can select a vehicle. Or …You can phone one of our offices and obtain approval over the phone during regular business hours. We don’t have a “24-hour computerized” phone system. Every person is different and we want one of our credit specialists to speak to you in person. That personal touch is one of the things that makes White Mountain Auto Broker different. Or... You can fill out our online application at this site. Just go to our “Click here for Approval“, fill out the information, and one of our professional staff will review it. We will contact you by phone or email within 24 hours.

Question: If I purchase a car from White Mountain Auto Broker and do have a problem with my payments, what should I do?

Answer: The most important thing you can do for yourself is to make your payment on time and in full. Each timely payment marks an additional step toward loan payoff and improved credit. We do understand that people sometimes experience financial setbacks. If you foresee a payment problem coming up, COMMUNICATION is key. Contact us and let us know BEFORE the payment is due. You can call us, email or stop in. But because this is YOUR loan, it’s also your responsibility to take the initiative, contact us and let us know what’s happening. Because we send reminder and late payment notices via the mail, it is very important to keep us informed of any change in your mailing address/

Question: How many vehicles do you normally have in stock?

Answer: On average we try to keep about 40 vehicles ready to go among our four locations. It takes us about 3 days to service and clean each vehicle before it’s ready to be sold. Once vehicles reach our front line and go on display, they tend to sell rather quickly. If we sell 20 vehicles in one week, it may take us a day or three to get the replacement vehicles to the lot. This web site will help you monitor what we have ready to go and what’s in the pipeline. Even if you don’t see the vehicle you are looking for on our lot, we may well have it right now! You can look at the bottom of each location’s inventory page and see what will be coming out soon. So contact one of our sales consultants. Don’t delay — call, click or email today.

Question: What makes you different from the other car dealers advertising for people with credit problems?

Answer: Many things make us different, but here’s a short list... Everyone is approved Exclusive White Mountain Auto Advantage Warranty Over 10,000 customers and 17 years experience More than 50% of our customers are repeat buyers 4 locations to choose from Professional, experienced, highly trained staff Ease of payment options Low down payments No credit checks This is only a short list. Call or stop in to see for yourself! And remember … Whether you have credit problems, or just want an economical way of owning a vehicle, White Mountain Auto Broker is your best choice!