We work with a handful of local lenders who look at more than a score - income, time on the job, and what you can put down all count. Bring a recent pay stub and we can usually give you a real number the same day, not a maybe.
Trade-ins are appraised against the same history-report standard we hold our own inventory to - we will tell you what we find, good or bad, before we name a number.
No add-ons are bundled into a monthly payment without being named separately on the paperwork first. If you decline the service contract, the payment goes down by exactly that amount.
