At Gunter's Mercedes Sales & Service, we are here to make purchasing your vehicle as easy as possible. We partnered with some of the leading financing institutions to make that happen. Please, apply directly with the following institutions. If you are a SC Resident , we highly encourage you to become a member at your local credit union for your lowest interest rate.
Please note that there is a $300.00 documentation fee for any vehicle sold which will accompany all pertinent forms required for processing your vehicle at MVA. In addiiton, if you are a SC resident, any vehicle sold over $5,000.00 has a $300.00 sales tax (maximum cap rate) which will be sent to Columbia for processing. Any vehicle of lesser value will require a sales tax collection of only 5%. For residents outside of the SC region, No SALES TAX will be collected from our dealership. It is therefore payable at your local state MVA.
In some instances we do offer Buy Here/Pay Here (On the lot Financing) which is a little less than typical in that we require 40% -50% down on certain vehicles that we have had in stock for a lenghthy period of time. We require the lofty amount down so that the finance period does not exceed 12-18 months, at an interest rate of 18%.
NECESSARY ITEMS REQUIRED FROM THE CUSTOMER(S) WHO IS REQUESTING OUTSIDE FINANCING:
Go to our website www.guntermercedes.com
Go to Inventory
Pick the vehicle of your choice
Then to the right of that vehicle (of your choice) click on Get APPROVED NOW
It is a Credit Application which will ask you multiple questions
Try to fill out completely and put references down (e.g. Name, Address, Phone Numbers)
Fill out the Downpayment Amount , and any additional notes that you may want to add at the bottom of the app..(e.g. Special notes, when you will be ready, explanations for anything)…
Keep in mind that if you do NOT have a High Beacon Score
(they usually range from as low as 200 or as high as 800),
It is advisable that if it is low, you put down a more LARGER down payment,
trade in a vehicle that you may own with a leinfree title,
or get a Cosigner…
You WILL need to obtain the following items for the finance company:
A Completed credit Application
(minus the credit app. which will automatically go into my email..
· 1 Valid Driver’s Liscense
· 1 Social Security Card/or Voter Registration Card
· 2 Most Recent Paycheck Stubs
· 1 Recent Bank Statement
· 1 Cellular Phone Bill in your Name (Recent)
· 1 Utility Bill (e.g. Gas or Electric) in your Name (Recent)
· Total of 7 References
(Non Related ; Full Name, Address, Phone)
Proof of Insurance with the Financing Co. as the
Loss Payee must be faxed to Gunter’s Fax(803) 327-1448 prior to taking the vehicle off of the lot
You must also have PROOF of INS. coverage prior to driving the vehicle off of our parking lot.
You may FAX that information to ( 803)327-1448.
Charlan likes to use WestLake Finanical (listed below) IF the creedit is not superior, one is trying to build back up one's credit, and the vehicle is OLDER in age or the Mileage is high:
West Lake Financial, LLC
4751 Wilshire Boulevard
Los Angeles, California 90010
Credit Unions (local) generally will get you your BEST INTEREST RATE
We do offer Warranties on most of our vehicles along with Gap Insurance
Once you have gathered all of the information above, you may scan it, then email it to my email firstname.lastname@example.org
Thanks for allowing us to assist you in making this very serious finanical decison!!!!!