Frequently Asked Questions

• Do you take trade ins?
  Yes we do!  we will take trade ins in any condition as long as you have a free and clear title.
• Do you do financing for bad credit customers?
  Customers with bad credit are our specialty.  No mater your situation our financial experts will find the right type of financing for you. 
• Do you sell cars for cash?
  Yes, we offer big discounts for our cash outright buyers.
• How much are your down payments?
  Our down payments vary from car to car.  The least expensive down payment is $500.  Our average down payment is around $1000.
• What is your typical monthly payment?
  We have monthly payments starting as low as $200/month going up from there depending on the vehicle you are interested in.
• How do I make my payments?
  Payments can be made in person, over the phone or on our website. 
• Do I have to be on my job for a certain amount of time?
  There is no minimum job time requirement to purchase a vehicle from us. 
• Can I get a loan if I'm on SSI/Disability?
  Yes you can!  We have helped many customers who are on a fixed income obtain vehicle loans throughout the years.  
• Do I have to carry full coverage insurance?
  Yes, anytime you take out a vehicle loan the lender will require you to carry full coverage insurance until it is paid off.
• What are your business hours?
  Our hours are Monday-Friday 8:30-5:30 and Saturday 9-1.
• Are your cars inspected prior to purchase?
  Yes.  All of our vehicles have a passing Missouri State vehicle inspection.  
• Do your vehicles have clean titles?
  All of our vehicles have clean and clear tiltes.  We do not sell prior salvage vehicles.  
• Do you provide temporary tags?
  We do not provide temporary tags.  You will have all the paperwork needed to go to the local DMV and acquire a temporary tag if needed.  
• When can I trade my car back in?
  Vehcles financed though MCCOy Auto Group must have a balance of $1000 or less to be eligible for trade.  
• Do you have warranties on your vehicles?
  We have  warranties available on 90% of our inventory.  Ask your salesperson for details.