Towne Auto Sales

Reviews 4

CH

Chris Johnson

How to Buy a Car Without Proof of Income People who are self-employed or work on a freelance or temporary basis often have a difficult time providing proof of income. They do not have the pay stubs, income tax returns, or other available methods to verify their income. This can hinder people from getting loans to buy things like houses and cars. When buying a car, unless you can pay for it in full, you will need to get a car loan. Most lenders will ask for employment verification. Buy a car without proof of income by choosing a lender who will take other financial factors into consideration. 1 Choose a reputable lender. A number of lenders specialize in making loans to people who do not have the assets and proof of income available to get traditional loans. Before applying with them, check with your bank, credit union, or other credit companies you work with. Financial institutions who know you and your ability to pay your debts might be willing to work with you on a car loan. 2 Have a down payment. Your down payment will probably need to be larger than if you had income that can be verified. The amount required will depend on your lender and the strength of your credit score. Expect to make a down payment that is sizeable enough to prevent the amount you owe from being more than what the car is worth. 3 Offer an attractive trade-in. If you do not have enough for a cash down payment, offer a car as a trade-in that still has a lot of value. 4 Provide other financial statements or collateral. Even without the ability to prove your income, you might help a lender be more willing to make you a car loan if you provide other financial statements that reflect your overall worth. Offer bank statements that show what you have in savings, tax records that show what you are capable of earning in a year, or deeds that show you own other property and assets. 5 Negotiate the interest rate. Lenders specializing in making loans without proof of income will often charge a larger interest rate than they would on traditional loans. This information is often buried in the fine print of your loan or contract, so be sure you understand exactly how much interest you will be paying on your car. 6 Check your contract and paperwork. Before you sign a contract to buy the car, or agree to take a loan, read everything carefully, and ask questions about anything you do not understand.

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Jennifer Michalosky

Chris of Town auto is basically family of my boyfriends. Also, the car purchase was mid Aug. And its now Dec 2. Clearly I did not jump the gun. I gave them ample time. So to anyone reading this, take this review seriously. We were promised a "safe" & "problem free" car after they serviced it. They even convinced us the CARS PROTECTION PLUS warranty was in our best interest. Credit wasnt the best so Chris got us a loan w/ security auto loans; a high risk loan company that he has "alot of stock" in. Also, to be clear my boyfriend needed the vehicle, not me, but I offered to cosign. Now I am the purchaser & he is the cosigner probably because I have something to lose; a home. They fudged the numbers to get the loan through. We thought they were just really LOOKING OUT FOR US. We got no deal on the car. We paid $500 less than top BB value & it has more miles than average for its year. NOTHING BUT ISSUES immediately after driving the car off the lot. They couldnt be bothered to even vacuum the interior or program the key fob. I asked RUSSELL if they normally expected customers to program the key fob ($50+) & he said yes. We drove from Parma to Medina 3 TIMES for abs light, traction control light, service engine light, whining, toed in tires, & leaks. Even offered the opinions of our mechanic neighbor as to what the issues could be. RUSSELL was full of crap and RUDE. He told us we arent mechanics, but he used to be. Kept denying noises and leaks. Even brought pictures of our driveway full of puddles. The 4th time magically they heard the whining & saw the leak. After our extended warranty went into effect. Had the AUDACITY to tell us we owed $100 deductible. RUSSELL told us an alignment was done & warranty didnt cover it. I test drove it. I came back & told him it immediately pulled to the left & heard a faint whine still. The guy couldnt be bothered. That was YESTERDAY. TODAY the ABS & TRACTION control lights came back on. Chris passes the buck to Russ then Russ passes blame to Medina auto collision, but all the while it was the SAME mechanic who worked on the car since day 1. Also, look them up on BBB. I know this level of POOR customer service sounds almost unbelievable but trust me its 100% true! Now we have a newborn at home and we are still dealing with this. They dont care about anything but their profit.

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Erin Ryan

My husband bought a car for me here in the spring of 2014. We were expecting our first child in less than two weeks, and were anxious to get a car that would be safe and reliable before the baby got here. After picking one, he asked the sales associate if there had been anything done to it recently or if it needed anything done. This associate, Russ, looked my husband in the eye and told him, "no." My husband test drove the car and when it all appeared to check out, he purchased the car. He didnt even make it 30 miles home before the check engine light came on. It turns out the catalytic converter was bad and needed to be replaced, meaning the car we just bought and were told had nothing wrong would not pass an e-check. The part was quoted as costing between $500-900 dollars to have fixed. The check engine light was obviously reset to get the car off the lot, but when my husband called the dealership to find out what story was, Russ was incredibly rude and claimed to have no knowledge that anything was wrong. The conversation continued to escalate, with the dealer swearing at my husband and acting in a completely unprofessional manner. When we reported the dealership to the better business bureau for our experience, Russ then called my husband while he was at work and cussed him out a second time, calling him names and telling him he "needed to act like a man" and not report them. He claimed that nothing could be done to them because they "dont follow the better business bureaus protocol" and hung up on my husband. I have never had a more unprofessional, disappointing and downright SLEAZY experience with a "professional." It added a huge amount of stress to an already stressful situation and was not something I was expecting to do, scrambling to tie up all these loose ends before the baby arrived. We put all the extra money we had into getting the car, not expecting to have to scrape up all the extra money to get things fixed that we were lied to about. I CANNOT STRESS ENOUGH WHAT A TERRIBLE EXPERIENCE WE HAD WITH RUSS AND TOWNE AUTO SALES IN MEDINA. Please do not trust them and go somewhere with a more reputable track record and better customer service.

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Kathleen Lucas

I went in to Towne Auto Sales with a family friend who had just had his vehicle stolen a few weeks back and was in desperate need of transportation. Ironically, the vehicle was stolen from a church parking lot while my friend was inside doing ministry for the church. God was looking out for him however, because we were led to Towne Auto Sales where we were treated like family. The owner, Chris Johnson, had several vehicles on the lot that fit my friends budget and desires. The vehicle he choose was immaculately detailed and we gave it a test drive. There was a minor knocking noise which the owner took care of at no charge. My friend was completely satisfied with the professionalism of everyone there and with their desire to go the extra mile to make sure we were well-taken-care of. I should say that they "went the extra miles" because they drove the car to my friends house where it waited for him in his driveway when I drove him back home later that day. I couldnt have been more pleased with the service, professionalism, and treatment we all received. The lot was fully stocked and I guarantee you will not waste a visit there because if they dont have what you want, Chris Johnson will go that extra mile to find just what you are looking for. Hes that kind of man. Thank you, Mr. Johnson, for making this experience a most enjoyable one. In a day and age where everyone is so skeptical of buying used cars, you run your business with honestly, integrity, and compassion. We experienced that firsthand.

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