Contrary to what has been spoken/published about Northern State Auto; we are not a Buy Here, Pay Here dealership with one (1) exception – we offer a Buy Here, Pay Here, Stay Here Program – Unique to our dealership.
This program translates as following: We can sell any vehicle to any purchaser regardless of any credit situation at/without any interest charges. Terms are as follows: Customer shall make 6 equal monthly payments until vehicle is paid for in full. Northern State Auto will hold the vehicle in storage until the vehicle is completely paid for. Upon completion of payment(s), vehicle shall be released to purchaser. Payment term shall not exceed 6 months. Promissory Note to be created. All payments are non-refundable.
FINANCING INFORMATION CONVENTIONAL FINANCING
We offer conventional as well as Special Financing through traditional lenders. Most of our lenders are local. Customer must apply/submit a Credit Application through Northern State Auto. Such application shall be submitted on customer’s behalf to lender(s). Northern State Auto has no control of lender’s decision or interest rate charged. We generally try to find our customers the best interest and terms currently available. We charge no fee for this service.
SPECIAL FINANCING INFORMATION
We offer Special Financing options through Special Finance lenders. Generally interest rates are very high and loan terms are very short. Exorbitant fees are charged and forfeited (up front fee(s)). Northern State Auto has no say or decision or control over/about rates and terms. We also do not receive any sort of payment in return (kickback) as most other dealers generally do. We do not recommend Special Financing only as a last option/resort as in certain situations this is the case.