Joe's Frequently Asked Questions
Find quick answers to your most common questions from Joe and the team.
Looking For Car-Buying Clarity? We Have You Covered.
Have questions about auto financing, trade-ins, credit approval, or our used car inventory? You’re in the right place! Below, Joe answers some of the most common questions we hear from our customers at Capital City Motor Company. We're keeping things clear, straightforward, and to the point, so we can help more drivers from Des Moines and across Iowa get behind the wheel.
Q. What is your Credit Approval Process?
A. Joe's One-of-a-Kind Credit Approval Process is designed to be easy, no-stress, no-pressure, and judgment-free. It's also designed to save you hours at the dealership by focusing on your wants, needs, and budget. Our team prides itself on getting you out the door and into a car you love in as little as one hour, no matter your credit situation or circumstances. Go ahead and put us to the test!
Q. What is the minimum credit score required?
A. We do not require a minimum credit score! We believe everyone has the right to a Nicer, Newer Car, no matter their current credit situation, and we work harder than anyone else to secure real bank loans that won't break the bank. Come talk with our team for non-judgmental, flexible, and affordable options.
Q. What if I am tight on cash for a down payment?
A. We understand that not everyone has 25-30% to put down on a vehicle like most dealers require. That's why, with Joe's One-of-a-Kind Credit Approval Process, we work with lenders to secure approval for what you want to put down. We even have financing options with as little as $7 down!
Q. What is your price range?
A. We aim to serve customers of all types, income levels, and preferences. With access to over 300 pre-owned vehicles, we typically carry cars for sale from as low as $3,000 to as high as $60,000 or more. Our inventory does move quickly, so please don't hesitate to contact one of our Solution Specialists when you find one you love.
Q. Do you take trade-ins?
A. Yes, we gladly accept trade-ins! Not only do we accept them, but we also pay top dollar for trade-ins! No matter if your ride is next-to-new or has seen better days, we want your trade! Trade-ins can help lower your payments and provide more options/flexibility with finance options.
Q. Do I need a driver's license to buy a car?
A. No, a driver's license is not required to purchase a Nicer, Newer Car! It depends on lender requirements, but many of our preferred lenders accept a valid government ID, and some do not require any identification to purchase a vehicle. We have relationships with over 40 banks/credit unions to help you find the perfect financing solution.
Q. Do you just serve customers with bad credit?
A. No, actually, we have programs and cars for ALL credit customers! We have relationships with over 40 lenders fighting for your loan - from big national banks to small local credit unions. We can secure competitive interest rates for you within minutes, saving you time spent rate-shopping on your own!
Q. I need cash. Can I just sell you a car?
A. Yes, you can! In fact, Joe's favorite way to acquire new inventory is from the public. Capital City Motor Company has built a reputation for paying the most for used car trade-ins, with no pressure to buy from us. We can hand you payment the same day and help you avoid the stress, scams, and wasted time of trying to sell it yourself privately.
Q. Do you offer any protection or warranties on your cars?
A. Yes, we do! In addition to our Dealer Warranty, we also offer various warranties and protection plans. Depending on lender approval and the vehicle you choose, you may be eligible to purchase a Vehicle Service Contract (service and parts), Guaranteed Asset Protection (GAP), 3-In-1 Road Hazard Protection, and more. Talk with your Capital City team member about your options.
Q. What if my trade is broken down or on its last legs?
A. Has your current car seen better days? That's okay, it had a good life—and we will still accept it as a trade-in! No matter the condition, we are committed to paying top dollar for all trade-ins, helping more car owners get the support they need to move on and get into something new. We will even help with free towing!
