Auto Credit of Southern Illinois

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FAQs

What are the minimum requirements to get a car loan?

To get approved, you must meet the following 3 requirements: 1) You must be 18 years of age. 2) You must have a valid Illinois Drivers License. 3) You must have take-home pay (after taxes) of at least $800 per month. If you meet these 3 basic requirements, Auto Credit has a program for you.

How long does it take to get approved?

Your approval during normal business hours will usually happen in 1 hour or less. If you contact us over the internet, or by phone after hours, we will get back to you the next morning at the number or e-mail address you have listed as the most convenient way to reach you.

How many vehicles will I get to choose from?

You can choose from any of the vehicles we have available. Down payments vary based on the individual approval and the vehicle you choose. Our down payment requirements are very flexible. We even have a lay-a-way plan that allows you to pick out your vehicle now, then take delivery when you have saved enough for your down payment.

What do the different colored license plates on the cars mean?

Each vehicle at Auto Credit is clearly marked with a special colored license plate. This allows you to more easily know the down payment requirements on a vehicle. Green Plates: Our lowest down payment vehicles, and the easiest to qualify for. Red Plates: Slightly higher down payments. Blue Plates: Higher down payments, usually SUV and late-model, lower mileage vehicles. Yellow Plates: Ask your salesperson for details.

Who are the people of Auto Credit and who am I buying my car from:

Our home base is in Benton, Illinois but we have expanded to locations in Mt Vernon, Marion and Carbondale. We specialize in making Auto Loans to our neighbors in Southern Illinois. We’ve been helping people get the cars and credit they deserve since 1991. We have approved over 35,000 people for vehicle financing.

Where do I make my payments if I buy a car at Auto Credit?

We have many payments options for your convenience. Most customers take advantage of our direct debit option, or a recurring debit card payment option. You can also bring a check or money order to any of our locations, or conveniently pay your payment online.

How much will my payments be if I purchase a car at Auto Credit?

We specialize in short-term loans (2.5-3 years). The idea is to get the car paid for and get the title. We do not offer 60 or 72 month loans that never allow you to get out from under your car. Most payments are around $75 per week.

Where do the cars at Auto Credit come from?

Many of our vehicles are new-car dealership trade-ins. Others are bought at auction or traded to us directly. We have several full-time buyers with over 75 years of experience who find the best cars at the best prices from all over the midwest. We will be happy to share previous owner information with you as well as provide you with a free AUTOCHECK report, which identifies vehicles with problem titles and odometer issues.

What kind of inspection do the Auto Credit cars get?

EVERY Auto Credit vehicle receives a comprehensive inspection at the NAPA Car Care Center behind our Benton sales location. The NAPA car care center is a state-of-the-art service facility with trained technicians who do mechanical and safety repairs as needed. Some cars being inspected are "rejected" as mechanically unsound and returned to an auction or wholesaled. Only the best units make it to our lot for retail sale. To keep costs down, we may not repair cosmetic blemishes and convenience items, but safety and mechanical concerns are addressed before the vehicle reaches the lot. Because Auto Credit provides the loan on the vehicle, we have a vested interest in making sure you purchase a quality vehicle.

What kind of warranty is available on Auto Credit vehicles?

Almost all financed units come with a free 1 month/1,200 mile powertrain warranty that pays for half of parts and labor. Most vehicles qualify for 18 month/18,000 mile powertrain coverage that pays for 100% of covered parts and labor. Most customers choose this option because of the low cost and peace of mind it provides. Ask your salesperson about this optional coverage.

How long is my approval good for?

If you are approved in person, over the phone, or internet, your credit approval is valid for 30 days unless your employment or residence status changes. After 30 days, we can easily update your application and have you re-approved in minutes.

Is my approval good at all 4 locations?

YES! Our computer system allows each of our 4 locations to view your approval. For example, if you are approved in Benton, you may pick out your favorite vehicle from any of our 4 locations. We will even move a vehicle to a location closer to you so that you may find the exact vehicle you are looking for.

What are the documents I need for delivery of my new vehicle?

Although each Approval is different, most Approvals required a copy of your Illinois Drivers License, copies of pay stubs, a utility bill to verify your residence, all pages of a recent phone bill, 10 references with name address and phone number, and down payment in cash or money order.

Do you have plans to add another location any time soon?

Come see us at our newest location in Benton/West City across from Super Wal-Mart.

Is there an available service contract for purchase beyond 30 days/1000 mile standard for pre-owned vehicles?

Absolutely, please visit our sales/financing department, and we will present the available plans for the vehicle you have chosen.