We want your vehicle! Get the best value for your trade-in!

Johnson City, NY 13790

(607) 797-7900


Printed paystubs showing deductions, Unemployment, Fixed income such as SSI, SSD, Workers Comp.

That is fine, as long as you can prove your income with bank statements showing deposits, or canceled checks that you received.

Most people do need some cash down. That is how the bank gets comfortable with loaning you the rest of the money you need to purchase the vehicle you want.

The amount of your down payment is determined by the bank giving you the loan. It's different for every customer and depends on several factors, such as credit history, length of employment, and the kind of vehicle you wish to drive. We here at Vitali Auto Exchange will work with you to find the right vehicle, at the right down payment, and the right monthly payment for YOU!

We will appraise the trade value of your vehicle and apply that towards your down payment.

Yes! Even if your repo was yesterday, we will get you approved for a loan.

Yes! Even if your bankruptcy was discharged yesterday, we will get you approved for a loan.

Yes! There is a form for us to fill out called a "Permission to incur debt". After it's filled out, you need to get your attorney to have it signed by the Trustee. The Trustee will sign it in most cases, and you will be good to go.

Yes! As long as you have verifiable income, we will get you approved for a loan.

The minimum is $800 per month before taxes are taken out.

That will depend on several different factors, such as what vehicle you want, how much your downpayment is, the length of the loan, the interest rate, etc. We will work with you so that you can get the monthly payment that best fits your budget.

As long as you can prove you make over $800 per month, you will not need a co-signer. However, in some cases, having one may reduce the down payment required by the bank, and the monthly payment may be lower.

No. However, if you have one, you can have the payments automatically withdrawn on a weekly, bi-weekly, or monthly schedule. This can help you establish good credit easier.

Yes! The finance companies we get you approved with report to all 3 credit bureaus.

Almost always, except for vehicles with over 200,000 miles, those vehicles will not be eligible for a warranty.

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