2nd Chance Financing


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Important Privacy Information

Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

Bad Credit? Poor Credit? Bankruptcy? Don't assume the worst!

Here at Paul Cerame Ford we have recently put together a special finance team, hiring one of the best subprime teams in the St. Louis area! If you are needing help to get a vehicle, stop wasting your time at the other places. Here at Paul Cerame you will get treated with the respect and value that every customer should receive all the time no matter what their financial situation may be.

We are here to help OUR CUSTOMERS

  1. Get into a new car.
  2. Get the approval needed to build their credit.
  3. Shop the banks for our customers in order to giv our customers the best interest rates.

We specialize in getting customers the best rates and the fresh start they need. Call or stop by to see how we can help you. Have you had your vehicle a few years while paying an interest rate higher than you'd like? He can help get you a lower payment. Has life's unfortunate circumstances made it hard to purchase a vehicle? That's our specialty. The "Credit Doctor" will make sure you get the second chance you deserve.

At Paul Cerame Auto Group, we are proud to announce the latest addition to our dealership, the "Credit Doctor" Second Chance Finance Center! We have a few of the best second chance finance professionals, a support staff to allow every customer with special finance needs the opportunity to re-establish their credit and give them a new path towards credit prosperity. Your journey to credit prosperity will be handled by a professional group of specialists who will ensure that your loan will be processed quickly and efficiently while you wait.

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