Frequently Asked Questions

Frequently Asked Questions

Q. How much do I need down?
A. You will need $700.00 to $1500.00 down.

Q. How long do I need to be at my current job?
A. You will need to have 2 current pay stubs.

Q. I am on Social Security or Disability, Do you count that as income?
A. Yes we do.

Q. What is the minimum income requirement?
A. You need to have at least $1300 a month in verifiable income.

Q. Does my credit matter?
A. Credit does not matter as long as you are honest about it.

Q. Do you report to the credit bureaus?
A. Yes, we report to Trans Union and Equifax on a monthly basis.

Q. Are the vehicles reliable?
A. Yes, all Rowe Credit vehicles come with a current Maine State Inspection sticker, Car Fax report, and an 6 month / 6,000 mile Powertrain Protection Plan

Q. How do I make my payments?
A. We set-up your payment according to how you are paid, ie: Weekly, Bi-weekly, or Monthly.

Q. How long do I have to pay for my vehicle?
A. We have short term contracts, we finance for no longer than 3 years.

Q. Is there a pre-payment penalty?
A. No, we do not charge pre-payment fees.

Q. Do you accept debit/credit cards for payments?
A. Yes we do.