Down payments are typically either $600 or $800, with the occasional special of $199. The down payment for each vehicle is listed in our inventory section.
What are the payments?
Payments are usually $80 per week, or $345 per month, depending on the down-payment and price of the vehicle.
How long are the loans?
No more than 26 months, with most being in the 20-22 month range.
What do I need to bring with me to purchase a car today?
To drive away today, you will need to bring:
Social Security card
Current utility bill
Last 2 paystubs (proof of income)
Filled out application with references
Down payment in cash
How do you accept payments?
We accept all major credit/debit cards as well as cash, check, money order, and bank check. Payments can either be made directly at Joseph’s at the payment window, put through the drop slot at night, or you may also mail your payments. Please do not mail cash or leave it in the night drop.
What is your late payment policy?
A $20 late charge will be added to your payment for every 10 days you are late.
Do you take trade-ins?
Due to the need to resell your vehicle at a reasonable price, we are generally unable to give you enough value for your trade-in and always suggest that you try to sell it on your own first. With that said and no guarantees, you may bring your vehicle in to Joseph’s to be looked at and evaluated.
What are your hours?
We are open Monday through Friday from 9:00am-6:00pm. & Saturday from 9:00am-4:00pm. We are closed Sundays so we can go to church and spend time with our families.