Financing FAQ

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.