Frequently Asked Questions at ACS Auto STL
At ACS Auto STL, we believe that informed customers make confident decisions. Whether you're buying a used car, applying for financing, or trading in your current vehicle, it’s natural to have questions. That’s why we’ve created this comprehensive FAQ page to provide clear, straightforward answers about our services and process.
Located in Antioch, IL, our dealership is committed to making car buying simple and accessible. From guaranteed approval financing to buy here pay here options, we’re here to guide you every step of the way. Below, you’ll find answers to the most common questions we receive from customers.
QUESTION CATEGORY
Financing Questions
Can I get approved with bad credit or no credit?
Yes. ACS Auto STL specializes in financing solutions for all credit types. Whether you have bad credit, no credit, or are rebuilding your credit, we offer guaranteed approval programs designed to help you move forward.
What is guaranteed approval financing?
Guaranteed approval financing means we work with customers regardless of their credit situation. Instead of focusing only on credit scores, we consider your overall financial picture to help secure an approval.
How do I apply for financing?
You can apply online using our secure credit application or visit our dealership in Antioch, IL. The online process is fast, convenient, and helps speed up your approval.
How long does it take to get approved?
In many cases, approvals can happen the same day. Once your application is submitted, our team works quickly to review your information and provide options.
Do I need a down payment?
Down payment requirements vary depending on your situation, but we work to keep them as manageable as possible. In some cases, your trade-in can help reduce or replace the need for a large down payment.
What is buy here pay here financing?
Buy here pay here financing is an in-house financing option offered directly through ACS Auto STL. This allows for more flexible approval requirements and payment plans tailored to your budget.
Buying Used Cars Questions
What types of used cars do you offer?
We offer a wide selection of used cars, including sedans, SUVs, and trucks. Our inventory is designed to meet a variety of budgets and driving needs.
Are your vehicles reliable?
We focus on offering quality used cars that are ready for everyday use. Our goal is to provide vehicles that customers can depend on for work, family, and daily transportation.
Can I test drive a vehicle before buying?
Yes. We encourage customers to visit our dealership and test drive vehicles to ensure they feel comfortable with their choice.
Do you offer affordable options for first-time buyers?
Absolutely. We work with first-time buyers and offer financing options that make it easier to get started, even without prior credit history.
How often does your inventory change?
Our inventory is regularly updated as vehicles are sold and new ones arrive. We recommend visiting often or contacting us for the latest availability.
Selling & Trade-In Questions
Can I sell my car without buying one from you?
Yes. ACS Auto STL buys cars directly, even if you’re not purchasing a vehicle from us.
How does the trade-in process work?
Bring your vehicle to our dealership, and we’ll evaluate it based on condition, mileage, and market demand. We then provide a competitive offer that can be applied toward your next purchase.
Can I trade in a car that still has a loan on it?
Yes. We can work with you to handle your existing loan balance and incorporate it into your new financing plan if needed.
Will trading in my car lower my monthly payment?
In most cases, yes. Applying your trade-in value reduces the total amount financed, which can lower your monthly payments.
Do you accept all types of vehicles for trade-in?
We evaluate a wide range of vehicles. Visit us or contact our team to learn more about your specific vehicle.
Protection & Warranty Questions
Do you offer extended warranties?
Yes. We offer extended warranty options that help cover major repairs and provide long-term protection for your vehicle.
What is GAP insurance?
GAP (Guaranteed Asset Protection) insurance covers the difference between what you owe on your vehicle and its value if it is totaled or stolen. This helps protect you from financial loss.
Are protection plans required?
No, protection plans are optional, but they are highly recommended for added peace of mind—especially when financing a vehicle.
Dealership & Process Questions
Where are you located?
ACS Auto STL is located at 25179 IL-173, Antioch, IL 60002, serving customers throughout the surrounding area.
What are your business hours?
Monday – Friday: 9:00 AM – 7:00 PM
Saturday: 8:30 AM – 6:30 PM
Sunday: Closed
Do I need an appointment to visit?
No appointment is required. You are welcome to visit during business hours, but you can also call ahead for faster service.
How long does the car buying process take?
In many cases, the process can be completed in a single visit, especially if you apply for financing ahead of time.
What should I bring when buying a car?
Typically, you should bring:
- A valid driver’s license
- Proof of income
- Proof of residence
- Insurance information (if available)
Our team can guide you through any additional requirements.
Why Customers Trust ACS Auto STL
Customers choose ACS Auto STL because we focus on making car buying simple, accessible, and stress-free. We understand that financing, credit concerns, and vehicle selection can feel overwhelming—but our goal is to remove those challenges.
What You Can Expect:
Flexible financing with guaranteed approval options
Buy here pay here solutions for added convenience
Affordable used cars for every budget
Trade-in and vehicle buying services
Transparent, customer-focused service
We are committed to helping you find the right vehicle and financing solution without unnecessary complications.
Still Have Questions? Contact Us Today
If you didn’t find the answer you were looking for, the team at ACS Auto STL is here to help. We’re happy to answer your questions, walk you through the process, and help you get started.
Call us today or visit our dealership to get the answers you need and take the next step toward your next vehicle.
Hours:
Mon–Fri: 9:00 AM – 7:00 PM
Sat: 8:30 AM – 6:30 PM
Sun: Closed