COOPER'S

What You'll Need for the Application: Name and Address, Phone Number, Drivers License Number, Social Security Number, 6 References (3 Friends & 3 Family - Name, address, phone number), Proof of Address (preferably a utility bill), and Down Payment.

F A Q ' S

* IS THERE A CREDIT CHECK? ** NO. The finance company does not check credit. However, there is still a Credit App that will need to be filled out.

* WILL YOU WORK WITH THE DOWN PAYMENT? ** NO. The Down Payment is set for a reason. You must have the down payment in order to get into the auto of your choice.

* CAN I PAY MONTHLY OR BI-WEEKLY? ** The Loan agreement/Payments are set up as weekly. However, you can make monthly and/or bi-weekly payments. You would just need to make sure you’re paid ahead of the weeks due.

* CAN I PAY MY LOAN OFF EARLY AND IS THERE ANY PENALTIES? ** YES. You can pay your loan off anytime you’d like. There is no penalties for early pay off.

* IS THERE ANY WARRANTY? ** All automobiles are sold As Is - No Warranty.

* WHAT DO I NEED TO GET APPROVED AND INTO AN AUTOMOBILE? ** You’ll want to fill out the Credit App (which can be done in person) and have the down payment. You’ll Need The Following For The Loan Agreement: Your Name and Address, Phone Number, Drivers License, Social Security Card, 6 References (3 Friends & 3 Family - Name, address, phone number), and Proof of Address (preferably a utility bill).

* WHEN DO THE PAYMENTS START? ** The payments start the next week (7 days) after the purchase date.

* HOW LONG ARE THE PAYMENTS FOR? ** All payments are set up on a 1 year loan agreement (52 weeks). In some rare cases, the loan may be extended to 18-24 months.

* IS ANYBODY APPROVED? ** YES! If you are 18 years of age or older, then you’re approved. No Credit, Bad Credit, doesn’t matter. You’re approved. No joke!

* DO I NEED TO SHOW PROOF OF INCOME/TAXES? ** NO. Income is not verified.

* WHAT TYPE OF PAYMENTS DO YOU ACCEPT? ** The down payment needs to be a cash payment, and your loan agreement will reflect the down payment. A receipt is also given. The payments can be made via check (cashiers/personal/business), money order, debit/credit (There’s a percentage fee charged for debit/credit payments), and/or cash (cash payments on the loan agreement can only be paid in person and not through the mail, where a receipt can be given). ****WE ARE NOT RESPONSIBLE FOR CASH PAYMENTS SENT THROUGH THE MAIL.****

* DO YOU FINANCE THE AUTOS? ** NO. We do not finance the autos. We use a Finance company "Blackwater Marketing" for the loan agreements & Financing.

* IS THE CASH PRICE AND FINANCE PRICE THE SAME? ** NO. The cash price is the listed price, through the Dealership, as an outright purchase. The Finance price is different as it’s through the Finance Company and not the Dealership. Finance Price is set at the full value of the automobile.

* WHAT’S THE INTEREST RATE? ** The interest rate is a one-time finance-charge that’s applied at the start of the loan agreement at a 23% interest rate. This is a one time charge, non-negotiable, set price on all financed autos. It is not a recurring charge.