Below are some answers to commonly asked questions about Steve Mueller Motors, and the financing services we offer. 

If your question isn't answered below, please feel free to call us at 315-253-3442


Q) What type of income is acceptable to get approved?    A) Printed paystubs showing deductions, Unemployment, Fixed income such as SSI, SSD, Workers Comp, Child support, Retirement, Cash income is ok with a letter from employer.

Q) What if I'm self-employed?    A) That's fine, as long as you can prove your income with bank statements showing deposits, or canceled checks that you received.

Q) Do I need a down payment?    A) Down payment may be required as determined by the finance company loaning the money to purchase the vehicle.

Q) How much of a down payment will I need?    A) Down payment amount is determined by the finance company loaning the money to purchase the vehicle. It's different for every customer, and depends on several factors, such as credit history, length of employment, and the kind of vehicle you wish to purchase, After you choose the vehicle that fits your needs we will be able to gather the info needed to tell you exactly what you will need to drive the vehicle home within minutes.

Q) What if I have a trade-in?    A) We take trades!!! We will give you a fair appraisal and apply the value of your trade towards your down payment. Your trade may be worth enough to cover the down payment so that you may not need additional cash to get the vehicle you want.

Q) I've had a repossession. Can I still get approved?    A) Yes! Even if your repo was yesterday, we will get you approved for a loan.

Q) I’ve had a bankruptcy, can I still get approved?    A) Yes! As long as you have provable income you will be approved

Q) I've never had credit before. Can I still get approved?    A) Yes! As long as you have verifiable income, we will get you approved for a loan.

Q) How much income do I have to prove?    A) The minimum is $800 per month, before taxes are taken out.

Q) What will my monthly payment be?    A) That will depend on several factors, such as what vehicle you choose, how much your down payment is, the length of the loan, the interest rate, etc. We will work with you, so that you can get the monthly payment that best fits your budget.

Q) Will I need a co-signer?    A) As long as you can prove you make over $800 per month, you will not need a co-signer. However, in some cases, having one may reduce the down payment required by the bank, and the monthly payment may be lower.

Q) Do I have to have a bank account?    A) No. However, if you have one, you can have the payments automatically withdrawn on a weekly, bi-weekly, or monthly schedule.  This can help you establish good credit easier.

Q) Will financing a vehicle at Steve Mueller Motors help me establish my credit?    A) Yes! The finance companies we get you approved with report to all 3 credit bureaus.

Q) Will my vehicle have a warranty?    A) Almost always! In fact, over 97% of the vehicles we sold last year came with warranty.​