Thank You for visiting Clock Tower Auto Mall.
Our mission is to provide a vehicle shopping experience unlike any other. We want to build a relationship with you, based on transparency and trust, that will last for years to come. If you don't find the answer you're looking for below, please don't hesitate to **contact us** or stop by. We look forward to working with you.
Frequently Asked Questions
1.) Do you charge any fees when I buy a car from Clock Tower Auto?
No! We do not charge any extra fees, whether they are called a DOC Fee, Documentation Fee, or Admin Fee.
Locally, these fees can be as high as $499. The price you see on our vehicles is the price you pay, plain and simple.
2.) Will I spend hours in the finance office arguing over products I don't want?
Absolutely not. Your salesperson will walk you through all of your payment options directly.
We use a simple "Your Choice" menu to discuss the features and benefits of just two optional products we offer: GAP Insurance and Service Contracts. This makes the buying process transparent, quick, and easy.
3.) Why should I finance at Clock Tower Auto Mall?
- Convenience: You don't have to drive all over town to finalize your vehicle purchase.
- Competition: Many of our lenders will actually bid for your business, ensuring you get a great rate.
- Savings: We can often secure financing terms that your own bank can't match.
- Budget: With extended terms and aggressive interest rates, it's possible to get a significantly lower monthly payment.
- Security: You can keep your personal line of credit open and available with your own bank.
4.) How does financing with Clock Tower Auto Mall work?
You simply submit a credit application by clicking here, and we submit your loan request to our network of lenders. Once we have approvals, you pick the financing terms that work best for you.
5.) What if I already have a pre-approved auto loan with my bank?
Let us know who your lender is. There's a high probability that we can complete the loan here, saving you a lot of time and hassle. We are approved agents for many local banks.
6.) Who will see my personal information?
We take confidentiality and security very seriously. When you submit your application, your information is encrypted and sent directly to one of the two owners of the dealership. Even your salesperson does not have access to your credit file. Your information will never be shared with anyone except for the direct purpose of obtaining a loan at your request.
7.) Can I submit a credit application over the phone?
No. We can help you streamline the process, but we will not accept a credit application that is not signed electronically or by hand. Call us for more details!
8.) What if I have Bad Credit?
First off, the term "bad credit" isn't used here. We believe in providing everyone with an opportunity. Different lenders specialize in different segments of the auto loan industry. What you consider "bad" may be seen as a perfect opportunity by a given lender. We are here to help, not to judge.
9.) What if I'm concerned about what you may find on my credit report?
At Clock Tower Auto Mall, our goal is to help you find the best financing to purchase the vehicle you want. We don't make judgments—we are simply here to help you get the best possible outcome.
10.) What if I still owe money on my trade-in?
This is very common. Your trade-in does not have to be paid off. We will work the remaining balance into your new loan.
11.) Can I borrow additional money to cover the cost of taxes and license?
Yes. Many of our customers prefer to keep their savings intact and finance the full cost of the vehicle, including taxes and license fees, into their loan. We can help you arrange that.
12.) Will you require me to purchase an Extended Warranty or Gap Insurance?
No. Under no circumstances is an Extended Warranty or Gap Insurance a condition of the financing approval process. These products are 100% optional and will not affect the approval of your loan. While they are good products, we actually recommend against them for some customers, depending on their specific situation.