Frequently Asked Questions
- Does White Mountain Auto Broker offer a warranty on their vehicles?
- Exactly what does White Mountain Auto do?
- Does that mean you charge high interest rates?
- Do I need a large down payment?
- What kind of cars do you sell?
- What are the requirements for purchasing a vehicle at White Mountain Auto?
- How do the payments work?
- How long does it take?
- Who buys cars from White Mountain Auto?
- Can I take my vehicle to my own mechanic for him to inspect it before I purchase?
- Do you take trade-ins?
- I have a bankruptcy, can you arrange financing for me?
- Does White Mountain Auto help people rebuild their credit?
- What about these companies advertising to “Fix” my credit for a large fee?
- If I finance a car through White Mountain Auto Finance and I have some problems with my payments, what should I do?
- How many vehicles do you normally have in stock?
- What makes you different from the other car dealers advertising for people with credit problems?
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.
Question: Exactly what does White Mountain Auto do?
Answer: We sell and finance reliable pre-owned vehicles that have been fully serviced and come with a 12 month/24,000 mile warranty. We help people with credit problems like no credit, bad credit or bankruptcy, get reliable transportation and financing, at a short term almost always less than two years at a payment they can afford. We are the specialists in buy here pay here and have been for over 24 years; this is all we do. We treat our customers with the respect they deserve. 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 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 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 installment sales are short-term, averaging 12 to 24 months, our total finance charge per sale is in the range of $600.00 to $1200.00. Compare that to long-term, multi-year installment sales at lower interest rates, and you’ll find the interest you pay us will be far less. In addition, our installment sale process is quick and easy. If you wish to accelerate your installment sale payments, or put down more than the minimum required down payment (so that you finance less), you can further reduce the interest on your installment sale.
Question: Do you need large down payments?
Answer: Your down-payment will be determined by the outcome of your qualifying matrix (which is just a few questions). Also, you may be eligible for our deferred down payment plan. We know you work hard for your money. All we need from you to begin is information —proving how long you’ve been at your job, how long you’ve lived in your current residence, how long you’ve been in the local area, plus we will need 4 references - their name, address and contact number (2 need to be relatives). 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 a 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, minivans and limited SUVs. Every vehicle we sell comes with a current State Inspection, temporary plate and warranty.
Question: What are the requirements for purchasing a vehicle at White Mountain Auto?
Answer: You’ll need a valid Driver’s License or state issued photo ID, current pay stubs or proof of income, proof of residence, your trade and title, and any down payment you may have. You’ll also need to bring with you a list of 4 references (2 need to be relatives) with their complete addresses and contact phone numbers. White Mountain Auto Finance 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 our finance company is 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 — online, by phone, at our office, through the mail or night drop box. 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. If you bring in all the required 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: Who buys cars from White Mountain Auto?
Answer: White Mountain Auto helps all kinds of people buy cars. We understand that good people can and sometimes do have credit problems. White Mountain Auto 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 we will treat you as an individual, not just a credit rating. Our credit specialists will discuss with you the vehicles and installment sale 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. We will take almost anything in trade such as snowmobiles, boats, motorcycles, 4 wheelers, campers, motor homes and much more, have something you want to trade ask us.
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: Does White Mountain Auto help people rebuild their credit?
Answer: NO! Only you can rebuild your credit, we can help you with easy terms, customizing payments around your pay dates and we report all transactions to Equifax and Trans-Union, two of the the “big three” national credit reporting companies. We want you to complete your installment sale successfully and then purchase your next vehicle from us. Many of our customers are able to upgrade vehicles in 12-14 months from their first purchase from us. Your successful installment sale completion at White Mountain Auto Finance will enhance your credit rating. When you finance through us, 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 installment sale 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 can happen when you buy from other dealerships. Each time you make an on-time payment to us, it helps build your credit, since we report to Equifax and Trans-Union monthly. You can start to establish a better credit rating immediately.
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 Finance, we can help.
Question: If I finance a car through White Mountain Auto Finance 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 installment sale 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 installment sale, 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, email, text or phone calls it is very important to keep us informed of any change in your mailing address, email address and phone numbers.
Question: How many vehicles do you normally have in stock?
Answer: On average we try to keep about 30 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 15 vehicles in one week, it may take us a few days to get the replacement vehicles to the lot. 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...
- All vehicles include a 12 month/24,000 mile warranty
- Over 10,000 customers and 24 years experience
- A large percentage of our customers are repeat buyers
- 4 convenient 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 is an excellent and very popular choice!