Thank you for shopping online with U-Drive Auto “Were your more than a credit score”, We try to answer everyone as quick as we can however due to our small staff and our everyday busy traffic the hardest thing for us to do is to reply to every email., , We have included our FINANCE GUIDELINES to help explain how our price and payments work, This should answer most all of your questions. This is the same info that we would give to you if you were to walk into the dealership., , IF YOU ARE LOOKING TO PAY CASH OR GET YOUR OWN LOAN AT YOUR CREDIT UNION OR BANK THEN YOU WOULD NEED TO PLEASE TAKE THE TIME TO PICK UP THE PHONE AND CALL US AT, 865-453-3561 ASK FOR SALES DEPT PLEASE LET THEM KNOW UPFRONT THAT YOU HAVE READ THIS EMAIL AND THAT YOU ARE LOOKING FOR THE BEST CASH PRICE ON THE UNIT YOU ARE LOOKING TO BUY AND OUR SALES STAFF WILL BE MORE THAN HAPPY TO GET YOU A GREAT PRICE. DUE TO VOLUME THIS IS THE BEST WAY TO HELP YOU., , PRICE AND PAYMENTS, WE UNDERSTAND THAT PRICE AND PAYMENTS ARE IMPORANT, THAT IS WHY OUR PRGRAM IS BASED ON YOUR INCOME, HERE IS AN EXAMPLE, CUSTOMER IS LOOKING AT A CAR WITH A WINDOW STICKER PRICE OF $10995.00 OUR PROGRAM WILL LOOK AT YOUR INCOME FIRST TO SET YOU UP ON A MONTHLY PAYMENT BUDGET, LETS SAY THAT YOUR INCOME IS SET UP FOR A $250 MONTHLY PAYMENT ON OUR PROGRAM, OUR COMPUTER PRGRAM WILL ADJUST THAT PRICE TO FIT YOUR $250 BUDGET., SO THAT CAR FOR $10995 MAY DROP TO $8800 TO KEEP THE PAYMENT AT $250, AND AS LONG AS OUR HOME OFFICE CAN SELL THE CAR FOR THAT AMOUT THEN THAT IS WHAT YOU PAY FOR IT!, HOW THE $500 DOWN WORKS, WE FINANCE THE CAR, NOT THE DOWN PAYMENT AND NOT THE TAXES!, IT IS $500 DOWN PLUS TAXES AND TAGS!, HERE IN GOOD OLE TENNESSEE TAXEES ARE ALMOST 10%, SO IF YOU ARE LOOKING AT A $5000 CAR 10% FOR TAXES WOULD BE $500, $500 DOWN+$500 TAXES TOTAL WOULD BE $1000.00, WE CAN AND WILL WORK WITH EACH CUSTOMER ON THIS AS MUCH AS WE CAN, THE EASY THING TO DO IS JUST LET US KNOW UPFRONT HOW MUCH YOU ARE WORKING WITH AND WE WILL TRY OUR BEST TO MAKE IT WORK FOR YOU!, , CHECKLIST, THIS IS WHAT YOU MUST HAVE TO DRIVE OFF THE LOT, 1.PROOF OF INCOME, 2.PROOF OF RESIDENCE, 3.PHONE BILL PRE PAID PHONES ARE OK, 4.DRIVER LIC OR ID, 5.$500 DOWN + TAXES, 6.YOU WILL HAVE TO FILL OUT A REFERENCE SHEET WITH 7 NAMES AND PHONE NUMBERS