Frequently asked questions

Very likely, yes. We specialize in customers with less-than-perfect credit or no credit history at all. The lenders we work with look at much more than a score — time on the job, ties to the area, income and expenses, and your explanation of past credit — so a low score isn't an automatic no. Start a pre-approval in about two minutes.

Bring a valid driver's license or state ID, a recent pay stub (less than 30 days old) or other proof of income, proof of residence such as a utility bill or lease, a current phone bill, the title if you're trading a vehicle, and your down payment. Not sure you have everything? Call (570) 593-5278 and we'll tell you exactly what your situation needs.

Usually, yes. When your paperwork is complete we can typically approve your application and have you on the road the same day. Applying online first speeds things up.

It can. Once your application reaches one of our salespeople, we pull your credit to look for financing options, and that inquiry can show up on your credit report. Questions before you apply? Call (570) 593-5278 and we'll walk you through it.

Yes, it's possible. We've approved many customers with prior repossessions and take your whole situation into account. Be upfront about what happened — honest, accurate information on your application helps your approval.

It depends on the vehicle's year, make and model, your income and credit history, and what you're comfortable putting in. More down usually means a lower payment. If more is needed we'll tell you exactly how much — and any equity in your trade-in counts toward your down payment. Low down payment options are available.

It can. On-time payments are reported to the credit bureaus, so a car loan you pay on schedule is one of the most visible ways to rebuild your credit history.

Yes — financed vehicles need full coverage with the insurance company of your choice. If you don't have an insurer, our team can point you to options and explain ways to keep the comprehensive and collision portion affordable.

Yes. Our credit application lets you add a co-applicant, which can help with approval or terms.

Not anymore. Skook started out as a buy here pay here dealer, and as the company grew and changed over time, we moved away from in-house financing. Today we help customers with good, bad or zero credit through outside lenders who report to the credit bureaus, so on-time payments help build your credit history. Read more: How financing works.

Pay online 24/7 through our secure payment portal (Make a payment), or pay in person with cash, debit card, credit card or money order. During business hours you can also call (570) 593-5278 to make a one-time payment or set up recurring payments.

For some customers who bought under our past in-house financing program, free inspections and oil changes may be included, depending on when you bought and what your purchase agreement covers. Call us and we'll check your account.

Every vehicle gets a complete reconditioning before it goes on our lot — mechanical and safety work plus cosmetic reconditioning — done by our own service department.

Prices include all dealer fees (documentary fee $395); only tax, title and registration are added. If anything about a price is unclear, ask — we'll give you an out-the-door number in writing.

Those are usually fresh arrivals still being reconditioned and priced. Call or text and we'll give you the price and an update on when the vehicle will be ready.

Of course. Request a test drive and we'll have the vehicle ready when you arrive. Bring your driver's license.

Yes. Tell us what you're looking for with our vehicle finder and we'll watch for it and reach out when we find a match.

Yes. Most listings include a free CARFAX report link right on the vehicle page.

Yes. Customers come from Pottsville, Reading, Allentown, Hazleton, Lebanon, Pottstown and beyond. See areas we serve for directions from your town.

Get an instant estimate with our Value Your Trade tool — it takes about a minute. We'll confirm the number when we see the vehicle in person.

We accept most trades — and if it has a title, ask us. Any equity in your trade counts toward your down payment.

Usually, yes. We'll get the payoff from your lender. If your vehicle is worth more than you owe, that equity goes toward your next car.

Yes — we buy cars outright. Start with the trade tool and tell us you'd like to sell.

Every vehicle we sell comes with a 3-month/3,000-mile powertrain warranty, a 30-day guarantee that we'll cover the cost of any repairs we may have missed, and a 72-hour money-back guarantee. Extended service contracts are also available on every model. See warranty details.

No. Our service center is open to everyone, no matter where you bought your car, truck or SUV. Schedule service online.

Oil changes, brakes, alignments, tire rotation and balancing, coolant and transmission flushes, exhaust and muffler work, electrical diagnostics, battery replacement, A/C repair, Pennsylvania state inspections — and major repairs including engine and transmission replacement.

Yes. Tell us you have a service contract and we'll help apply the coverage to your repair.

Monday through Friday 9am–5pm and Saturday 10am–3pm. We're closed Sunday — but you can apply, value your trade and browse online any time.

312 Centre Ave., Schuylkill Haven, PA 17972 — in Schuylkill County, a few minutes south of Pottsville. Get directions.

Call (570) 593-5278, text (570) 810-5514, or send us a message. We reply fast during business hours.

Ask us — call (570) 593-5278 and we'll do our best to connect you with a Spanish-speaking team member.

Yes. Know someone who needs a car? Send them our way with our refer a friend form and ask us about our referral bonus.

We're always glad to meet good people for sales, office and service roles. Apply online.