FAQs

FAQs

What If I Have Really Bad Credit And Have Been Turned Down By Other Dealers All Over Town?

You would be surprised at how many people have credit challenges right now. Don’t let anyone fool you into thinking that they haven’t seen anything as bad as your situation. That’s simply a trick they use to make you think you need them more than they need you.
The fact is that no, not everyone is able to be approved with anyone, no matter what their advertising tells you. I can’t guarantee you will leave here with a new car, but what I will promise you is that you won’t be treated any differently because of your credit score… in fact, we pride ourselves on helping you change your circumstances. We have more lending options than any other dealership in Wichita and we are all fully trained as loan officers, not salespeople. Simply put — if we can’t do it, no one else can!


Will I Need To Put A Lot Of Money Down?

Most of our customers don’t need to put any money down at all. That’s really more up to you than to us and depends on whether you like the terms your lender offers us. Sometimes you may choose to put more money down to help lower the payments or put things in a better light for the lender, but that is purely your choice.


Will I Need A Co-Signer?

Most customers don’t need co-signers. There are some instances where a co-signer will help make the deal more attractive to a lender, but whether you choose to use a co-signer is solely up to you. We will treat your friends and family the same way you have been treated if you do choose to use them to co-sign.


I Have Had A Repossession In The Past. Is That Going To Affect Me Getting Qualified?

Not at all! When you come visit us at Super Car Guys, you are not just sitting down with a salesperson trying to talk you into something you don’t want; you are going to visit with fully trained loan officers who want to get to know you and your personal situation. They are all non-commissioned and truly want to help set you up for success. There are a lot of different reasons and circumstances surrounding credit issues, and instead of going somewhere where only a computer or a spreadsheet with strict guidelines make the decision, we are real people helping real people. We will work with you to make things right again!


Are You A Buy-Here Pay-Here Lot?

Not a chance! While we do have more lending options than any other dealer in Wichita, including BHPH lots, we are not one. We do, however, own our own financial institution that allows us to make a lot of our own decisions in regards to your financing. We don’t operate like a Buy Here Pay Here lot, either. Come by and see all of our late-model, low-mileage cars, experience the different way you are treated, and see for yourself why we are leading Wichita in helping people just like you!


What About People With Good Credit, Do You Have Options For Them?

Absolutely! We have rates as low as 2 or 3 percent and have some of the greatest relationships in town with local credit unions and other larger financial institutions. At Super Car Guys, everyone is treated the same. We won’t discriminate or charge any more or any less for the vehicle, no matter what your credit score. We believe that everyone deserves the opportunity to own a car at the best rate they qualify for!


What If I Made A Mistake And The Car I Purchase Really Isn’t The Right Car For Me?

No problem. We have an exclusive 3 Day “Love it Or Leave It” policy for all of our customers. You have 3 days and 200 miles to decide if you love it… if you don’t, come leave it on our doorstep. Certain restrictions apply, but if you bring the car back in the same condition it left in, then no questions asked. We will either find you another car you like or you can simply walk away!


What Is Your Interest Rate?

There are a lot of different factors that go into determining the interest rate for your next car, such as the vehicle you choose, how many miles it has on it, the year and make of the vehicle, and your credit history. No one can begin to quote you an interest rate until all the pieces of the puzzle are in place. What I will tell you is that I don’t have a fancy finance department where the guy at the end of the transaction tries to mark up the rate like other dealers. Your rate will be your rate and it will be fully disclosed to you before you have to sign anything. If you don’t like your rate or think it’s too high, we want you to tell us no — That’s fair, isn’t it?


Are You Guys Just Some Small Fly By Night Used Car Lot?

While some of our superheroes around here probably dress up in capes at night and try and fly around, no, we are not a “fly-by-night” organization. In fact, we are an affiliate of one of the largest dealerships in the country. We have access to quality vehicles. We are here for the long haul!


What Kind Of Cars Do You Guys Have?

We are primarily a pre-owned lot, but we have new cars too!!! All of our used vehicles have been put through a rigorous inspection and we stand firmly behind any vehicle we sell, especially when it comes to safety issues. We want you and your family to be safe in the vehicle we sell, so you never have to worry about it being a vehicle we wouldn’t feel safe having our own families in. You will find brand-new vehicles on our lot and used vehicles that have just a few thousand mile. As far as what brands we carry… you name it… and if we don’t have it on our lot, we have access to over $20 million worth of inventory…we will find it!


What If I Don’t Have Any Credit At All And Am Just Getting Started?

Nothing makes us happier than helping someone establish their credit. We literally have lenders for all situations and will work our hardest to help you get on your feet. Come see us!


What Kind Of Paperwork Will I Need To Bring With Me When I Come In?

Just bring us a valid driver’s license. Our loan officers on staff will help you with the rest of the paperwork you will need. Every situation is different, so don’t think that if you don’t have a paystub you won’t qualify. We are here to help you the best we can and our fully trained loan consultants will go out of their way to help you gather any documentation the lender may need for your situation.