Our Easy and Secure Approval Process
At our dealership, we make the financing process quick, safe, and secure. Our streamlined application is designed to provide fast and accurate responses from our network of reputable lenders. Your privacy is our priority—your personal information is encrypted and handled with the highest level of care from start to finish.
To begin the process, you will need to submit your application and typically may need to provide:
- Proof of identity – (Drivers License or State ID card)
- Proof of residency – (Most Recent Bank Statement, or Utility Bill)
- Proof of income – (Recent Paychek Stub showing Year To Date (YTD) or Direct Depost Bank Statement)
NOTE: Additional documents may be required, we will notify you if we need any documents at all or additional dociments that may be required.
Once your application and documents are submitted—either electronically or in person—our experienced finance manager (with more than 39 years in the automotive finance industry) will review your information and work with multiple lenders on your behalf. Most customers receive lending decisions quickly, often within the same day, depending on lender response times and application completeness.
Our goal is to make the process as efficient as possible and help you find a financing solution that fits your budget and individual situation.
Financing Disclosure:
All financing is subject to credit approval. Lender response times may vary. Not all applicants will qualify. Additional documentation may be required. See dealer for complete details.
Financing & Payment Disclosure:
All financing terms shown on this website—including APR, down payment, and estimated monthly payments—are examples only and depend on approved credit. Actual finance terms may vary based on creditworthiness, income verification, lender participation, and eligibility requirements. Displayed payments are estimates based on simple interest and exclude taxes, title, license fees, dealer fees, and optional products, which may increase the total payment amount.
APR & Term Disclaimer:
Advertised APRs and financing programs are subject to change without notice. Why Pay More Auto Sales does not guarantee any specific rate or approval without full application review, verification of documents, and lender approval.
Errors & Omissions Disclosure:
All information presented on this page is believed to be accurate; however, errors, inaccuracies, or omissions may occur, and Why Pay More Auto Sales is not responsible for typographical or data-entry mistakes. Customers should verify all information directly with the dealership.
AS-IS Vehicle Sale Notice:
Unless stated otherwise in writing, all vehicles are sold “AS-IS”, without any warranty. Optional Vehicle Service Contracts and Guaranteed Asset Protection (GAP) coverage may be available at additional cost (ask dealer for details and eligible vehicles).
No Offer or Contract:
This page and its content do not constitute a financing offer or legally binding agreement. All sales and financing transactions must be completed and signed at:
Why Pay More Auto Sales, 813 W. Main Street, Trumann, Arkansas 72472.
Financing Options
We offer a range of flexible financing options designed to meet the needs of a wide variety of customers. Whether you prefer shorter terms or extended repayment periods, our goal is to help you find a financing plan that fits your budget and lifestyle. Our finance manager brings over 40 years of experience in the automotive industry and works with a trusted network of reputable lenders nationwide to help you secure competitive terms and a fair Annual Percentage Rate (APR), based on your credit profile.
Our financing options may include competitive APRs, affordable monthly payments, and customizable repayment terms. We are committed to transparency—there are no hidden fees or unexpected charges. Before signing, you will receive clear, detailed information on your loan terms, including APR, amount financed, payment schedule, and total estimated cost.
Once approved, the financing process is efficient and straightforward. Our team is here to guide you through each step to help you secure the financing solution that best aligns with your needs.
Financing Disclosure:
All financing is subject to credit approval. Terms, conditions, and APR will vary based on creditworthiness, lender guidelines, and other factors. Not all applicants will qualify. Down payment may be required. See dealer for complete details.
Vehicle Service Contracts (VSC)
A Vehicle Service Contract (VSC) is an optional protection plan that may help cover certain repair costs resulting from mechanical breakdowns or normal wear and tear, depending on the specific plan selected. A VSC can provide additional peace of mind by reducing your out-of-pocket expenses for eligible repairs throughout your ownership experience.
We offer multiple VSC options—ranging from basic powertrain coverage to more comprehensive plans that include major components and systems. Many VSC plans we offer may also include valuable benefits such as roadside assistance, rental vehicle reimbursement, and trip-interruption coverage.
Our team will assist you in comparing available plans, reviewing coverage limits and exclusions, and selecting the option that best fits your driving habits and budget.
VSC Disclosure:
Vehicle Service Contracts are optional and not required to purchase or finance a vehicle. Coverage, pricing, and terms vary by provider and plan. All VSCs have specific limitations, exclusions, and conditions. Refer to the actual contract for full details. See dealer for complete information.
Guaranteed Asset Protection (GAP)
Guaranteed Asset Protection (GAP), sometimes referred to as gap insurance, is an optional product that helps protect you financially if your vehicle is declared a total loss due to theft, accident, or other covered event, and the insurance settlement is less than the remaining balance of your loan or lease. GAP may cover the difference between your vehicle’s actual cash value (as determined by your insurance company) and your outstanding loan balance, minus any deductible or excluded charges.
When GAP May Be Helpful
You may benefit from GAP if:
- You made a small down payment or no down payment.
- You financed your vehicle for an extended term (60 months or longer).
- You rolled negative equity from a previous loan into your new loan.
- Your vehicle depreciates faster than average.
- You are leasing your vehicle (GAP may be required by some lease agreements).
GAP may be purchased through our dealership at the time of financing, and in many cases, the cost can be added to your loan.
GAP Disclosure:
GAP is optional and is not required to obtain financing. Coverage, requirements, and exclusions vary by lender and provider. GAP may not cover past-due payments, late fees, or certain other charges. Review the GAP waiver or insurance policy for full details. See dealer for complete information.
General Disclosure:
All optional products—including financing, Vehicle Service Contracts (VSC), and Guaranteed Asset Protection (GAP)—are offered for your convenience and are not required to purchase or finance a vehicle. Terms, conditions, eligibility requirements, and pricing vary by provider and may change without notice. All contracts, policies, and lender documents govern coverage, benefits, and obligations. See dealer for complete details.
