LEGAL DISCLOSURES & IMPORTANT INFORMATION
Why Pay More Auto Sales
Last Updated: November 2025
At Why Pay More Auto Sales, we are committed to providing transparent, honest, and accurate information. The following disclosures apply to all website content, vehicle listings, pricing, financing information, optional products, and dealership communications.
1. General Information Disclosure
All information on this website is provided for general informational purposes only. Specifications, pricing, vehicle features, photos, financing examples, and product descriptions may change without notice. Why Pay More Auto Sales makes no express or implied guarantees regarding the accuracy, completeness, or timeliness of the information displayed.
2. Vehicle Information & Availability Disclosure
All vehicle information—including price, equipment, mileage, condition, trim, features, and availability—is believed to be accurate at the time of posting; however:
- Errors and omissions may occur
- Vehicles may be sold before website updates
- Availability is not guaranteed
Customers should verify all information directly with the dealership before making purchase decisions.
No warranty—express or implied—is made regarding the accuracy of online vehicle listings.
3. Price & Fees Disclosure
All advertised prices:
- Exclude sales tax, title, license, registration fees, documentation fees, and optional products
- Are subject to change without notice
- May vary based on lender requirements or promotional programs
- May not include aftermarket products, accessories, or reinstatement fees
Unless otherwise stated, advertised pricing applies to cash or standard financing purchases only.
Any conditional pricing requirements will be clearly disclosed when applicable.
4. Financing Disclosure
All financing terms—including down payment, APR, and estimated monthly payments—are provided solely for informational purposes and are subject to credit approval by participating lenders.
Actual finance terms depend on:
- Creditworthiness
- Verified income
- Lender participation
- Debt-to-income ratio
- Vehicle selection
- Residency and identity verification
WAC = With Approved Credit.
Payment estimates displayed online:
- Are estimates only
- Are calculated using simple interest
- Are based on an example APR and term length
- May not reflect the actual rate or payment a customer qualifies for
- Do not include taxes, fees, or optional products
Why Pay More Auto Sales does not guarantee financing approval, specific APRs, or term lengths.
5. APR & Term Example Disclosure
Displayed APR percentages, interest rates, and loan terms are examples only and not guaranteed.
Final APR and term are determined by:
- Lender guidelines
- Credit profile
- Down payment
- Vehicle age and mileage
- Program availability
Financing programs, lender participation, and promotional rates may change without prior notice.
6. Credit Application & Privacy Disclosure
Submitting a credit application—online or in person—authorizes Why Pay More Auto Sales and its lending partners to:
- Obtain consumer credit reports
- Verify employment, income, and residency
- Validate identity
- Share application data with participating lenders strictly for financing purposes
Customer information is handled in accordance with applicable privacy laws and is not sold to third parties.
Submission of an application does not guarantee approval.
7. No Guaranteed Approval Disclosure
Why Pay More Auto Sales does not offer or imply “guaranteed credit approval.”
Approval depends on:
- Verified income
- Valid identification
- Lender requirements
- Credit history
- Program eligibility
Statements such as “all credit types considered” or “we work with all credit situations” do not constitute a guarantee of financing.
8. Optional Products Disclosure (VSC & GAP)
Optional products—including Vehicle Service Contracts (VSC), Vehicle Protection Plans, and Guaranteed Asset Protection (GAP)—are optional purchases and are not required to obtain financing or purchase a vehicle.
Availability, coverage, pricing, and eligibility vary by vehicle and lender requirements.
Customers should review all terms, exclusions, and coverage limitations before purchasing.
9. Trade-In Value Disclosure
Any trade-in values shown online or provided through automated systems are estimates only.
Actual trade-in value depends on:
- Physical inspection
- Mechanical condition
- Cosmetic condition
- Market demand
- Mileage
- Vehicle history reports
- Reconditioning needs
Final trade-in value is determined only after an in-person appraisal.
10. Photos & Images Disclosure
Vehicle photos displayed online:
- May include stock images
- May be edited or enhanced
- May not reflect exact color, equipment, or condition
- Are for illustration purposes only
Customers should inspect vehicles in person for full accuracy.
11. Test Drive & Inspection Recommendation
Customers are strongly encouraged to:
- Inspect vehicles in person
- Test drive before purchase
- Ask questions about condition, history, and features
Why Pay More Auto Sales welcomes pre-purchase inspections by third-party technicians at the customer’s expense.
12. AS-IS Vehicle Sale Disclosure
Unless otherwise stated in writing, all vehicles are sold AS-IS, without any warranty, express or implied.
This means:
- The dealer does not guarantee the mechanical condition
- The customer is responsible for all repairs after purchase
- Any available warranty or VSC must be purchased separately
AS-IS terms will be disclosed on the Buyer’s Guide and in the signed Retail Installment or Bill of Sale.
13. Errors & Omissions Disclosure
Why Pay More Auto Sales strives for accuracy but acknowledges that:
- Typographical errors
- Data entry mistakes
- Pricing errors
- Equipment discrepancies
- Technical issues
may occasionally occur.
The dealership reserves the right to correct any errors without prior notice.
Why Pay More Auto Sales is not liable for unintentional inaccuracies.
14. Non-Binding Content Disclosure
Nothing on this website constitutes:
- A binding offer
- A contract
- A guarantee of financing
- A promise to sell any vehicle at a specific price
All transactions must be completed and signed in person or electronically at:
Why Pay More Auto Sales
813 W. Main Street
Trumann, Arkansas 72472
15. Limitation of Liability
Why Pay More Auto Sales is not responsible for:
- Website downtime
- Data errors
- Third-party service failures
- Lost communications
- Technical malfunctions
Use of this website is at the customer’s own discretion and risk.
