Welcome to Skook Auto Sales!
 
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Buy-Here Pay-Here Frequently Asked Questions




YOU HAVE QUESTIONS, WE HAVE ANSWERS


We know that you may have more questions than listed here and we welcome every single one of them. In the event your question is not answered below, please know you may always call a Skook Auto Sales associate at any time During Our Regular Business Hours.

Every car Skook Auto Sales sells comes with a 72-Hour Moneyback Guarantee and a 2 Year warranty to help keep you on the road. However, we know most vehicles will need service at some point after the sale. At Skook Auto Sales we have a full-service approach to keeping you safe and on the road. For more information on service appointments, contact our team at Skook Auto Sales in Schuylkill at (570) 593-5278.

Yes. Depending on when you purchased your vehicle and what was included with your purchase agreement, oil changes, and inspections can be included. For more information contact our team at Skook Auto Sales in Schuylkill at (570) 593-5278.

Every vehicle we sell comes with a 72-Hour Moneyback Guarantee and a 2 Year warranty to help keep you on the road. For more information contact our team at Skook Auto Sales in Schuylkill at (570) 593-5278.

Down payments will vary based on several factors. Our finance company considers, the year, make, model of the vehicle, income, credit history, and the amount of money you feel comfortable putting into the deal. Typically, more money down will help lower your payment. If more money is needed, we will let you know exactly how much. Please note that we do accept most trades, and all equity in your trade will count toward your down payment amount.

Start by filling out and submitting our online application. You can also call or stop in at the dealership and someone will gladly work with you to start or complete your application. We will consider approvals based on several factors like: time on the job, ties to the area, your monthly income and expense, ability to pay, explanation of credit history, and the honesty and accuracy of the information you give us. To get started, you will need:
  • A valid state or government-issued ID card or current passport. For example, a valid PA drivers’ license.
  • Proof of income (a hard-copy check stub less than 30 days old, proof of check from the government, proof of regular payments from elsewhere). Proof of residency (rent receipt or a copy of a utility bill).
  • Current Phone bill. Four (6) references (with complete contact info).
  • Title of a vehicle if one is being traded-in.
  • Cash for your down payment.
We can usually have your loan application approved and be driving the same day. and you’ll be on the road in your new vehicle the same day.

Yes, you do. However, our sales team can explain affordable options that may save you some money for the comprehensive/collision portion of your insurance. You must have liability insurance with an insurance company of your choice. If you do not have an insurance company, our team has solutions for you to get you coverage that will get you into your next vehicle today.

A Buy Here/Pay Here (BHPH) dealer is one that sells you a vehicle and arranges a loan with an “in-house” finance company that allows your payments to be made at the dealership, or wherever it is convenient for you to do so. Instead of making monthly payments to a traditional lender, you make weekly or bi-weekly payments at the dealership around the time you get paid from your job. You, therefore “buy” the car at the dealership and “pay” on the loan at the dealership.

Skook Auto Sales work with lenders that arrange to finance all of Skook Auto Sales' customers. This relationship allows our team to customize a financial solution for each individual buying a car at Skook Auto Sales.