FAQ

Q: What other services can the Davis-Moore finance section provide for me that my bank cannot?

A: When you deal directly with the Davis-Moore Finance Department you can also protect your vehicle/loan with other services such as:

• Credit Insurance - Credit life and disability insurance
• Service Contracts - Up to 7 year/100,000 mile service contracts
• Gap Insurance - If your car is totaled, covers negative equity in your vehicle
• Protection Packages - Interior, Paint Sealant and Undercoating

Q: I have a very good credit score. Can you beat my area bank's APR?

A: Most likely, we deal with several different lenders. We have very good relationships that can help us out on rates/terms.

Q: What's my APR or monthly payment going to be?

A: There are several different things that factor into that. Such as, credit score, term and how much you are financing. We can begin to establish that after your completed application is received.

Q: I have a bankruptcy within the last three years, can you finance me?

A: It depends upon your pay history prior to and after the bankruptcy. We can begin with a credit application and go from there.

Q: I am going to have a co-signer because of my lower credit score. Do you still have to have my credit information?

A: Yes. We would need to have your information and also the co-signers. The co-signer can also use the internet version of the credit application.

Q: I am out of state and will have the vehicle shipped to my home, can you still process the financing for me?

A: Yes we can.

Q: If I have a trade in that I am upside down in, can I still obtain financing if my credit is less than perfect?

A: It depends again upon your:

• Prior pay history
• How much negative equity you have
• Along with additional variables...
• Again, on an individual basis, we would have to run your credit, evaluate your trade in and meet with you in person.

Q: If I sent in a credit application, generally how long does it take to hear back from your department?

A: We usually try to respond to all credit inquiries within the same day, but sometimes time doesn't permit. Generally no later than 1 work day.

Q: Who should I call if I have any questions in regard to my credit application that I have emailed in to Davis-Moore?

A: Each of the different locations have their own finance office, in which, the internet department can let you know which office your credit application was sent to at 316-618-2195.

Q: Can I get approved for a loan or loan amount range without having a specific car picked out yet?

A: Yes, but you have to have a loan dollar amount on the request.

Q: Do you do "buy here, pay here?"

A: No

Q: If I get a loan through the Davis-Moore finance department, do I make the payments through/to you?

A: No, you make them directly to your financial institution.

Q: What cities do people frequently come in from to work with Davis-Moore for their vehicle loans?

A: We also frequently work with car, truck and other auto loans for customers from : Hutchinson, Salina, Topeka, Newton, Manhattan, Topeka, Kansas City, Tulsa, Oklahoma City, Denver, Hays, Overland Park, Mulvane, Augusta, Cheney, Council Grove, Emporia, Eureka, Harper, Haven, Hillsboro, Hutchinson, Junction City, Kansas City, Lawrence, Leavenworth, Manhattan, Mc Pherson, Newton, Olathe, Osage City, Ottawa, Overland Park, Pratt, Shawnee Mission, Wellington and Winfield Kansas.