Financing FAQs

Buying a car, especially a used car, is a major decision that deserves time, research, and real peace of mind. At Ramsey Alfa Romeo, we understand that shoppers want transparency, straightforward answers, and a dealership they can trust throughout the entire process. Whether you are comparing used cars, exploring financing options, or simply trying to understand what to expect, our goal is to make you feel comfortable and confident every step of the way. We take pride in offering reliable pre-owned vehicles, clear information, and a pressure-free experience for every buyer. Below are some of the most common questions we hear from customers during their search. If you do not see your question answered, reach out and our friendly team will be happy to guide you.

What is the benefit of buying a used car from your dealership?
When you buy a used car from us, you're getting more than a low price! You're getting peace of mind. We take pride in offering dependable pre-owned vehicles that we'd feel confident putting our own families in. Every used car on our lot goes through a detailed multi-point inspection, followed by any reconditioning needed to bring it up to our standards. We're committed to offering quality used cars at affordable prices, with transparency from start to finish.

Do you inspect your used cars before resale?
Absolutely. Every pre-owned car is sent through our award-winning service department before it ever hits the lot. Our technicians check major mechanical components, safety systems, wear items, and overall condition. Buying a used car from us means you're getting something that's been properly evaluated, not just polished and parked outside.

What warranties are included in my used car purchase?
Warranty coverage varies by vehicle, mileage, and model year. Many of our used cars still carry factory warranty coverage, and we also offer several extended protection plans on most vehicles for added peace of mind. The best way to get accurate details is to speak with one of our consultants, they'll walk you through exactly what coverage applies to the car you're interested in.

Do you offer financing for used car purchases?
Yes, we do. Our finance team works with a wide range of lenders to help buyers with all types of credit profiles. Whether you're financing a newer pre-owned vehicle or a budget-friendly used car, we'll lay out your options clearly so you can choose the payment plan that fits your needs.

How long has Ramsey Alfa Romeo been in business?
We've proudly served Bergen County, NJ, for over 20 years offering both new and used vehicles, expert service, and a customer experience that keeps people coming back.

Where is your Alfa Romeo Service Center?
Our state-of-the-art service center is located right off Route 17 at 69 Spring Street, Ramsey, NJ 07446. We service all Alfa Romeo models both new and pre-owned as well as many off-brand used cars from our lot. Our certified technicians are equipped to handle everything from maintenance and repairs to accessory installs and luxury upgrades.

Do you have any trucks for sale?
Our used inventory changes every single day, and trucks are among the most popular vehicles we acquire. Whether you're looking for a pickup, work truck, or midsize truck, we may have options available. Check our current pre-owned truck inventory here.

Can you handle all DMV work for my purchase?
Yes, we take care of the DMV work for all 50 states. We'll process the paperwork, handle the title and registration, and walk you through anything we need from you. Most buyers find this alone is worth avoiding the hassle of buying privately.

Do you have any cheap used cars for sale?
We carry pre-owned cars at a wide variety of price points, including budget-friendly used cars under $15,000 and even under $10,000 when available. Our goal is to offer something for every shopper…first-time drivers, commuters, families, and anyone looking for reliable transportation at an affordable price. View our current inventory here.

Do customers pay more for buying a used car from dealerships?
This is a very common misconception. We price our used cars aggressively to the market and adjust them regularly based on demand and book values. When you buy from a dealership, you're getting a fully inspected and reconditioned vehicle, not a private-party car with unknown history. You also get DMV assistance, financing options, and the backing of a reputable dealer you can return to. In most cases, it costs no more and often costs less than buying privately.

What kind of history report can you provide for my used car purchase?
Every vehicle we sell comes with a free CarFax report. You can review ownership history, service records, mileage accuracy, and accident history before you buy. Full transparency.

Can I purchase a used car with bad credit?
Yes, many of our customers purchase vehicles with less-than-perfect credit. Our finance team works with specialized lenders who focus on used-car financing, and we'll do everything we can to secure an approval that fits your budget. Each buyer's situation is different, so we encourage you to meet with us to review your options in person.

What are typical used car interest rates?
Interest rates vary based on several factors: the vehicle you choose, loan term, credit score, down payment amount, and current market conditions. We can provide a personalized payment estimate on any car in our inventory just reach out to us and we'll break it down for you.

Can I buy a used car with $0 down?
In many cases, yes. A large number of our customers choose to put nothing down at signing, and our lenders support that when the credit profile and vehicle qualify. If $0 down is something you're aiming for, let our team know and we'll walk you through all options.

SELLING A USED CAR TO US:

Is it better to sell my car to a dealership vs. selling to CarMax or Carvana?
Local dealerships track the market daily and understand real-time values better than large national chains that rely on software and blanket pricing. Our used-car managers appraise vehicles in person, consider condition, equipment, and local demand, and often provide more competitive offers. Plus, the process is faster, easier, and you're working face-to-face with real people.

Do I need to purchase a car from you if I sell you mine?
Not at all. We buy cars outright every day, and there's zero obligation to buy anything from us. If you simply want to sell your used car quickly and safely, we're happy to appraise it and make you an offer. Whether or not you purchase a vehicle from us, you'll receive the same level of service.

How do you use Kelley Blue Book values?
Kelley Blue Book is one of several tools we rely on when determining a vehicle's value. We respect its place in the market, but we also consider current auction data, local demand, reconditioning costs, and condition of your specific vehicle. Our goal is always to make a fair, competitive offer based on real market value.