Buying a used car raises a lot of questions, and we would rather answer them up front than leave you guessing. This used car buying FAQ covers the things customers ask us most about financing, buying online, getting a car delivered, warranties and trade-ins. If your question is not here, call us at (623) 920-8479 and we will answer it directly.
Financing and Approval
These are the questions buyers ask most when buying a used car and lining up financing.
Do you offer no credit check financing?
Yes. Our buy here pay here financing does not require a credit check or a minimum credit score. We approve on your down payment and proof of steady income.
Is approval guaranteed?
Approval is guaranteed for buyers who meet our simple conditions: a down payment and steady income. We approve good credit, bad credit and no credit.
What do I need to get approved?
A valid driver license or state ID, proof of income, proof of address and your down payment. We will tell you exactly what is needed for your situation.
Can I finance from another state?
Yes. Our in-house financing lends across state lines, and we complete the paperwork remotely.
Buying a Used Car Online
Can I buy a used car entirely online?
Yes. You can browse real listings, request an out-the-door price, get approved, complete payment and arrange delivery without visiting the lot.
How do I know the vehicle is as described?
Every vehicle is inspected and reconditioned, and we provide photos and a condition report. Qualifying vehicles are backed by our warranty and money-back guarantee.
Do I need to visit your Phoenix lot to buy?
No. Most out-of-state customers never see the vehicle in person until it is delivered.
Nationwide Delivery
Do you deliver to all 50 states?
Yes. Ruben Car Shipments delivers door to door in every state.
How much does delivery cost?
It depends on your distance from Phoenix, but we provide a flat, transparent quote before you buy, and our rates are usually lower than an outside broker.
How long does delivery take?
Once your financing is complete and the vehicle is prepared, we give you a delivery window. Timing ranges from a few days for nearby states to longer for cross-country delivery.
Warranty and Guarantee
Buying a used car should feel safe, and these answers explain our coverage.
Do your cars come with a warranty?
Qualifying vehicles include a 15-month engine and transmission warranty. Coverage can vary, so we confirm the details for your specific vehicle.
What is the 30-day money-back guarantee?
If an undisclosed mechanical issue appears within the first 30 days or 1,500 miles on a qualifying vehicle, we make it right.
Are the vehicles inspected?
Yes. Every vehicle is inspected and reconditioned before it is listed.
Trade-Ins and Selling Your Car
Do you accept trade-ins?
Yes. We appraise your vehicle the same day and can apply its value toward your down payment or purchase price.
Do you buy cars outright?
Yes. We buy quality used cars, trucks, SUVs and hybrids whether or not you purchase from us.
Can I trade in a car I still owe money on?
Yes. We handle loan payoffs and can apply any remaining equity toward your next vehicle.
Still Have Questions?
We are happy to help. Call (623) 920-8479, email purchase@rubencarsales.com, or use our contact page. You can also learn more about our financing, delivery and warranty services, and browse the inventory anytime, or read more about Ruben Car Sales. For independent guidance on buying a used car, see the FTC used car buying guide.
