Do you have questions about our dealership?

ICheck out our frequently asked questions below. You may also call an associate during our regular business hours.

Red White and Blue Autos Inc. Sales Hotline: (570) 875-2225

  1. What does Buy Here Pay Here (BHPH) mean?
  2. What’s the difference between a BHPH dealership and a traditional dealership?
  3. Who's your typical customer?
  4. Why do I have to pay every time I get paid?
  5. Why do I need a down payment?
  6. How do you provide financing?
  7. Can you help people with a prior or current bankruptcy?
  8. Can you help people with prior repossessions?
  9. What are your financing guidelines, and how do I get approved?
  10. How do you accept payments?
  11. Will I need insurance on the vehicle?
  12. Is there a warranty on the vehicle I’m purchasing?
  13. What if my vehicle breaks down after the warranty period is over?
  14. Can I have the car I want to buy inspected before I purchase?
  15. Do you take trade-ins?

What does Buy Here Pay Here (BHPH) mean?

  • Despite being the fastest growing segment in the auto sales industry, there’s not an official definition for Buy Here/Pay Here in the dictionary. Buy Here/Pay Here (BHPH) financing means that you arrange a loan and make payments on it at the dealership. You purchase the car through what’s referred to as in-house financing versus through a third party, such as a bank. Instead of making monthly payments to a traditional lender, you make weekly or bi-weekly payments at the dealership. You therefore “buy” the car at the dealership and “pay” on the loan at the dealership.

Back to Top

What’s the difference between a BHPH dealership and a traditional dealership?

  • Depending on the dealerships you visit, very little. In fact, many traditional new and used car dealerships now offer BHPH financing as an option. The key difference between a traditional dealership and Red White and Blue Autos lies in the shopping experience. At a traditional dealership, your approval is based solely on credit score and what some computer system based in another state says. At our dealership, the process is much easier. We ask a series of questions, run a credit report, and listen to better understand your credit situation. Then, with your desired monthly payment and down payment information factored in, we’ll show you vehicles that fit your needs and financial situation.
Back to Top

Who's your typical customer?

  • Our customers are hard-working men and women or young people just starting out. They usually need a car to get to work. Many of them have a credit challenge—which is not surprising, since nearly 50 percent of Americans do not qualify for automobile financing at conventional financial institutions. Using our own financing company, we are as accommodating as possible. We want our customers to get back on the road to maximizing their opportunity for advancement.
Back to Top

Why do I have to pay every time I get paid?

  • It is a proven fact that some people get bad credit, because they cannot budget on a monthly basis. At Red White and Blue Autos, we want you to budget your payments when you get paid. It makes it easier for our customers and for us.
Back to Top

Why do I need a down payment?

  • Simply stated, down payment is GLUE. It helps to keep a deal together. Down payment shows us that you are serious enough to commit to a loan that you are willing to put your hard earned money down in order to finance your vehicle purchase. People should look at down payment as a good thing. It reduces the term of the loan and you then pay it off quicker.
Back to Top

How do you provide financing?

  • We don’t just sell a person a car, we work with our customers to find the best vehicles for their needs, and the best one for their monthly budget. Selling a car that a customer can’t afford does neither of us any good. We’re not just looking for a quick sale; we are looking for a long-term relationship.
Back to Top

Can you help people with a prior or current bankruptcy?

  • Absolutely; in fact, that is one of our specialties!
Back to Top

Can you help people with prior repossessions?

  • Yes; we can still get you approved with prior repossessions.
Back to Top

What are your financing guidelines, and how do I get approved?

  • Start by filling out and submitting our online application, call or stop in at the dealership and someone will take your application. We base our approvals on your time on the job, ties to the area, your ability to pay, and the honesty and accuracy of the information you give us. You will need:
    • Valid PA drivers’ license
    • Proof of income (check stub less than 30 days old,  proof of check from the government, proof of regular payments from elsewhere)
    • Proof of residency (rent receipt or a copy of a utility bill)
    • Current Phone bill
    • Six(6) to Eight (8)References (with complete contact info)
    • Title of a vehicle if one is being traded in.
    • Cash for your down payment.
  • We can usually have your loan application approved and you’ll be on the road in your new vehicle in a couple hours or less.
Back to Top

How do you accept payments?

  • All of the following are acceptable methods of payment: cash, debit card, credit card, automatic ACH from banking, or money order. You may also pay online though our website.
Back to Top

Will I need insurance on the vehicle?

  • Yes, liability insurance is required by the state and is the law, however, we offer programs so you do not need to carry “full coverage”. Ask an associate for all of these details.
Back to Top

Is there a warranty on the vehicle I’m purchasing?

  • Yes! Red White and Blue Autos Includes a 30 month/30,000 mile limited drive train warranty on RWB Certified vehicles and 12 month / 12,000 mile limited drive train warranty on our Discount Row vehicles. This warranty covers the basic power train (engine, transmission, drive axle) plus the alternator, water pump, and starter, to name a few things. We also include something that is unheard of in the Buy Here/Pay Here industry, a 30 day mechanical bumper to bumper on RWB Certified vehicles.. Talk about true peace of mind.  A $100 deductible is required for warranty work.
Back to Top

What if my vehicle breaks down after the warranty period is over?

  • As with all vehicle purchases, the customer is responsible for repairs and maintenance after the warranty has expired. All used vehicles will someday need repairs. We try to help our customers whenever we can, to find the most affordable means of repairing their vehicle, so they can get back on the road as soon as possible.
Back to Top

Can I have the car I want to buy inspected before I purchase?

  • Absolutely! We recommend that every customer have the vehicle they are intending to purchase independently inspected by someone they trust, before they buy. We want you to feel comfortable with the condition of the vehicle you are purchasing.
Back to Top

Do you take trade-ins?

  • Yes, Red White and Blue Autos accepts trade ins.
Back to Top

Top
MENU