Questions you'd ask, if asking didn't feel weird.
If your question isn't below, text Addys— I'll add it to this page.
About the process
Do I have to come into the dealership to look at a car?
Nope. Most of my customers do the entire negotiation by text — they walk in only on delivery day. If you're far away I can deliver locally on Long Island and parts of NYC, or arrange transport for further out.
What's the price I see online — is that the actual price?
Yes. Every vehicle page shows the cash price after standard manufacturer rebates. Tax, title, registration, and a $175 doc fee are added at signing. There's no separate 'walk-in' price.
Can I negotiate?
I price aggressively up front so there isn't much room. That said — if you see the same car for less at a comparable Chevy store, send me the link. I'd rather match it than lose the sale.
Financing & payments
What credit score do I need?
We work with everyone from 720+ down through subprime. The number changes the rate, not the answer. Tell me your situation honestly and I'll tell you what I can do before you fill out an application.
How long does financing take?
Pre-approval through our finance manager takes about 30 minutes once you submit a credit app. We can do that 100% by phone — you don't need to be here.
Do I need a down payment?
Usually $0 down works for new vehicles with strong credit. Used cars and lower scores generally want 10–20% to keep the monthly reasonable. The down-payment optimizer on each vehicle page shows you the math.
What's the lowest APR you offer?
GM Financial runs special-rate promotions almost every month — sometimes 0% for 36 on select new Chevys. Used rates currently start around 6.9% for prime credit. The number on each vehicle's payment calculator reflects today's published rate.
Trade-ins
Will you take my trade?
Yes — almost always. Send me the year, make, model, trim, mileage, and a couple of photos via text and I'll send back a number, usually within an hour during business hours.
What if I owe more than my car is worth?
Negative equity rolls into the new loan. I'll show you exactly how that affects your monthly so you can decide whether to absorb it or pay the difference at signing.
Is the trade number really negotiable?
The wholesale book values are what they are — I'm not making them up. But I'll show you the source so you can verify, and I beat KBB Instant Cash Offers about 80% of the time.
Test drives & delivery
Do I need an appointment to test drive?
Walk-ins welcome. If you text me 30 minutes ahead I'll have the car warmed up and pulled to the front so you don't wait.
Can you bring the car to me?
Free local delivery within 30 miles of Freeport. Outside that we either ship via licensed carrier (you cover transport) or you fly in and drive home — I'll cover one airport pickup if you're committed to the deal.
What if I drive a long distance and don't like the car?
If you've done a video walkaround with me first and the car was as represented, we'll cover return transport on me. That's never actually happened.
Warranties & after the sale
Do used cars come with a warranty?
All certified pre-owned Chevys have GM's CPO warranty (12 mo/12k bumper-to-bumper, 6yr/100k powertrain). Non-CPO used vehicles ship with a 30-day/1,000-mile dealer warranty by default. Extended coverage is available — I'll quote you exact pricing rather than putting it on the menu.
What happens if something goes wrong a month later?
Text me. Service has a direct line to me, and I make sure my customers don't end up at the back of the line. We honor the warranty without paperwork-fights.
Last updated April 2026.