Frequently Asked Questions

How much are the down payments on the vehicles?

Down payments range from $600 – $1200, with the occasional special of $199. The down payment for each vehicle is listed in our inventory section.

What are the payments?

Payments are $115 per week, and will be set up on your pay schedule.

How long are the loans?

All loans are about 2 years.

What do I need to bring with me to purchase a car today?

To drive away today, you will need to bring:

  1. Driver’s license
  2. Social Security card
  3. Current utility bill
  4. Last 2 paystubs (proof of income)
  5. Filled out application with references
  6. Down payment in cash

How do you accept payments?

We accept all major credit/debit cards as well as cash, check, money order, and bank check. Payments can either be made directly at Joseph’s at the payment window, put through the drop slot at night, or you may also mail your payments. Please do not mail cash or leave it in the night drop.

What is your late payment policy?

A $20 late charge will be added to your payment for every 10 days you are late.

Do you take trade-ins?

Due to the need to resell your vehicle at a reasonable price, we are generally unable to give you enough value for your trade-in and always suggest that you try to sell it on your own first. With that said and no guarantees, you may bring your vehicle in to Joseph’s to be looked at and evaluated.

What are your hours?

We are open Monday through Friday from 9:00am-6:00pm. We have availability outside these hours by appointment. 

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