FAQ - Frequently Asked Questions

How does your financing work?
We don't go by credit scores; we use more of a commonsense approach. We look at your income and stability. We want to make sure you can afford the car payment as well as your major expenses.  We also can finance through outside banks and have a first-time buyers program.

How much are the down payments?
Our in-house finance program is usually 10% of the sales price and we can sometimes defer some of the down payment over the first few weeks of the loan. Some of our outside banks can do $0 down.

What do I need to get approved?
It's very simple. First, complete an application at https://www.bradleyautofinance.com/credit-application and then get us proof of income and residency. That's all we need!

Do you report to the credit bureaus?
Yes, we report to Trans Union and Equifax.

Do you take trades?
Yes, we take all trades and it counts toward your down payment.

How long are the loans?
The terms of our loans are very short. They range from 2 to 5 years.

Do you offer a warranty?
Yes, all our BUY HERE PAY HERE financed vehicles come with a 12 month / 12,000 mile, 50%/50% warranty included. We also include a state inspection and 20-day plate for all NH residents and we guaranty MA state inspection.

Do you offer service after the sale?
Absolutely! We have a 5,000 sq. ft. service facility with all the latest equipment and diagnostic tools. We also give significant discounts to our customers. Our service rate for our customers is only $90 per hour. We also offer full synthetic oil changes for only $50.

Do you finance repairs?
Yes, we finance repairs for our customers with open loans at 0% interest and low weekly payments. We know it’s important to stay within a budget while still maintaining a safe and reliable car.

Can I get approved if I’m in a bankruptcy?
Yes, as long as you’ve already had the meeting of the creditors.