Frequently Asked Questions Page

Frequently Asked Questions

Exactly what does A-OK Auto Sales do?


We help people with credit problems such no credit or bad credit, 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. 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 A-OK Auto Sales ! Any credit problem you may have, no matter what it is, we have seen it before. Nothing you say is going to surprise us, or embarrass you. We can help.

Do you need large down payments?


A-OK Auto Sales has vehicles with low down payments. We know you work hard for your money. You can also use a trade in as a down payment. Even if you don't have your entire down payment right now, you owe it to yourself to contact us and let us show you what we can do.

What kind of cars do you sell?


At A-OK Auto Sales, we sell all kinds of cars, SUV's, minivans and trucks, including work trucks. We have sporty 2 doors, 4 door sedans, minivans, and sport utilities. Mileage varies. We have late models in stock now. Do you need a work truck? How about something more reliable? Is a minivan more convenient for your growing family? Whatever you need we have it on our lot. Every vehicle is serviced at our own in-house facility so you can be sure of safe, reliable transportation.

What are the requirements for purchasing a vehicle at A-OK Auto Sales?


You will need a valid Texas Driver's License, most recent pay stubs or proof of income, your trade if you have one, and any down payment you may have. You will talk to one of our credit specialists, and we'll show you vehicles that fit your budget and credit situation. At A-OK Auto Sales, we want the vehicle, and the loan, to fit your specific needs.

How do the payments work?


Payments can be weekly, bi-weekly, or monthly, based on income, your personal situation and the vehicle purchased. We are able to provide more flexible financing options than new car and ordinary 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 are usually made at our office but can be mailed in or even made over the phone with your debit or credit card. We also can set you up with our auto debit option with a form you fill out. We will custom design a financing program based on what works best for your individual situation.

How long does it take?


Chances are we probably have the vehicle you want right now. About half of our customers can drive home in an A-OK Auto Sales vehicle the same day they visit us. If you bring in all the information we need, it can take as little as 20 minutes! We always try to have great variety of inventory. You can even apply on-line 24/7 and be pre-approved before you arrive at our office. It doesn't get much easier than that.

What types of people buy cars from A-OK Auto Sales?


A-OK Auto Sales helps all kinds of people buy cars. We understand that good people can and sometimes do have credit problems. A-OK Auto Sales has helped professionals, white collar and blue collar workers, medical professionals, divorced people, people with unpaid bills 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. Race, religion, gender or marital status is not an issue. At A-OK Auto Sales, you are treated as an individual, not just a credit rating. Our credit specialists will discuss with you the vehicles and loan terms that work for you. And remember, no matter who you are or what your credit situation, we will treat you with dignity and respect.

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


Yes, that is possible, as long as you are approved before hand for that vehicle. We have confidence in our vehicles and stand behind them.

Do you take trade ins?


Yes, we take trade ins of any make, model and year. If you owe money on your trade, please be sure to bring your finance information with you including account number, phone number, and name of bank or finance company.

How do you help people rebuild their credit?


A-OK Auto Sales sells vehicles to credit challenged people that 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 arrangement with you. The vehicle you purchase 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 12-24 months from their first purchase from us. Your successful loan completion at A-OK Auto Sales will enhance your credit rating.

Plus, when you buy from A-OK Auto Sales, we help you stay current. Your payments may be made weekly or bi-weekly instead of monthly. You may find it is easier for you to budget. Best of all, unlike smaller dealerships, each time you make an on-time payment to us, we'll report it to the credit bureaus, so you can start to establish a better credit rating immediately.

Also, most payments are made at our office. Our A-OK Auto Sales 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!

If I want to be approved for a A-OK Auto Sales car loan, what do I have to do?


You have a number of choices..... First, you could stop by our office and talk to one of our credit specialists in person. They will speak to you about your credit situation in a relaxed manner. Once your budget and needs are established, you can select a vehicle.

Or... You can apply for pre-approval online at this site. Just go to our "Online Credit Approval", fill out the information, and one of our credit specialists will personally review it. Then we contact you by phone or email within 24 hours!

If I purchase a car from A-OK Auto Sales and do have some problems with my payments, what should I do?


The most important thing you can do for yourself is to make your payment on time and in full. In the unlikely event you will be late for a scheduled payment, it is extremely important that YOU contact your A-OK Auto Sales office and let us know BEFORE the payment is due. You can call, email or stop in. We do understand that people sometimes experience financial setbacks. It is your loan. It is up to you, to keep the lines of communication open.

Do A-OK vehicles come with a warranty?


Yes, all of our IN HOUSE FINANCED vehicles come with either a 6 month/6,000 or 12 month/12,000 mile limited warranty.