Clement Auto Group
Clement Pre-Owned St. Charles

Capital One Auto Finance & Clement Auto Group

Get pre-qualified with Capital One (no impact to your credit score)


Finance FAQs

Can I get pre-approved for a loan at Clement Auto Group?

Finding out if you qualify for loan is fast and has no impact on your credit score. Use our quick pre-approval tool.

Can Clement Auto Group help me get financed if I am disabled or on Social Security?

Yes. Getting approved for the right loan as a person receiving disability and Social Security disbursements is a piece of cake with our helpful finance experts on your side. Many lending institutions consider these payments as sources of income when determining the type of loan you qualify for and the loan's total value — a crucial fact that greatly improves your terms when you are approved for financing.

Can I get approved for a loan if I am self-employed?

Getting approved for a loan as a self-employed tax payer is a simple matter. Income verification will be the key to your success. Once we review a the documents that verify your income such as your tax returns, bank statements, or canceled checks, you'll find that getting approved is simple, straightforward, and convenient.

Can Clement Auto Group help me obtain financing if I recently changed jobs?

Yes. Starting a new job can be an exciting time. Let us help you make this big moment even sweeter by connecting you with the right loan on your next vehicle. Your employment status is just one of the myriad factors that go into the loan approval process, so if you recently upgraded into a better position at a new company you can apply with confidence knowing that our financing team are prepared to secure a great loan at the lowest interest rate possible.

Can Clement Auto Group finance my loan if I am a first-time buyer?

Helping guide first-time car buyers through this important — and exciting — event is one of our specialties. Let our trustworthy and friendly team take the lead on this for you and you will soon see why so many first-time buyers lean on us when the time comes to finance an affordable and reliable new or used car with budget-friendly payment.

Do I have to have a job to get financed at Clement Auto Group?

Being employed is one of a host of factors that will go into any car loan approval process. Our team of experts can do what they do best and work hard to secure you the perfect loan for your unique situation, but you're still going to have to pay it back. Banks like to see a steady history of income and you'll need to be clear about your other sources of income and how you intend to pay back the loan without a job.

Will I be at the dealership all day signing paperwork to get my loan?

We make the process fast and easy. Our goal is to get you behind the wheel of your dream car as soon as possible. You can count on us to have everything ready when you come in to pick up your new car.

What is the difference between leasing and financing?

Financing a car places complete control in your hands for as long as you own your vehicle, while leasing is a temporary ownership arrangement that pre-negotiates the value of your car at the end of the lease. With a lease, you can switch into new cars every couple years and never be surprised by an unexpected dip in value. To determine which option works best for you, connect with us and we will layout the options in plain English which makes your decision easy.

Can Clement Auto Group help me get a car loan if I have recently gone through a bankruptcy?

Good question. We've helped many customers in this situation secure the financing they need to get into a reliable and affordable used car. Thanks to our easy loan application process, all it takes is a few minutes to get the process started. We can often leverage our large network of banks to find a trusted partner that will make an exception if your life situation has improved markedly since the hiccup.

Can I include the cost of service contracts, GAP insurance, accessories, and other vehicle related items in the total amount that I finance?

Yes. We know that being flexible with financing additional services over time goes a long way toward making the car-buying process more convenient and relaxed for everyone.

If you would like to take advantage of optional upgrades when financing your next car, truck, or SUV, let us know when you come in and we will be happy to help you spread out the cost of over the term of your loan.

Can Clement Auto Group help me get a loan if I have no credit history?

Yes. Connecting first-time buyers with the loan they need to purchase a new or used car is one of our many specialties. We work with 70 banks & lenders along with our FIRST TIME BUYERS PROGRAM.Call 314-427-2537 today and we will be happy to lay out how our approach makes financing easy and simple for newer and first-time car buyers. Our lenders will then base their approvals on your ability to pay not just your credit score.

Can I get financed if I don't have good credit?

YES! We work with 70 different banks & lenders along with the CLEMENT CREDIT AMNESTY PROGRAM. We do not base their approvals on just your credit score, we look more at your ability to pay. We understand that bad things happen to good people and not everyone is going to have a perfect situation. We would love to help you reestablish your situation.

Can I get financed with no money down?

Yes. Clement Auto Group offers zero down payment financing to qualified buyers. Let us know that you want to consider this option when the time comes to apply for a loan and we will help you get it done.

Can I finance my taxes, registration, and other fees?

Yes. Most car loans bundle the taxes, registration fees, and other related expenses into the loan. This is a great way to reduce the upfront expenditures associated with buying a car and registering it.

What kind of loan rates does Clement Auto Group offer?

Clement Automotive Group is committed to offering you the most competitive financing rates possible in St. Louis. How do we do this? By working with lots of lending institutions and being flexible regarding your credit history, loan terms, and past financial hardships or considerations, we are able to provide access to impressively low rates that put you behind the wheel of your dream car and still keep your bank account happy along the way.

Want to learn more about your specific loan rate? It's easy, call 314-427-2537 today.

Why should I get financed at Clement Auto Group?

The short answer? It's easy, convenient, and it's the best option. We employ a swift process that keeps your interest rate and fees low. We work hard to find the best loan terms and our team makes a point to keep you in the know from start to finish.

Do I need an appointment to meet with a financing specialist?

Walk-in customers are always welcome, come on in and sit down for a chat regarding your car loan financing options at a time convenient for you. You can also call ahead to schedule an appointment with a friendly team member.