Finance FAQ's

Learn about Shantok’s Buy Here/Pay Here in-house financing program click the questions below for a detailed response.

Do you have financing for people with less than prefect credit?

Shantok understands bad things can happen to good people. That’s why Shantok Motors will get you approved! We can help any credit situation. Previous repossession, bankruptcies, charge-offs, and any other derogatory credit history we can get past and get you approved!

What do I need to get approved with Shantok?

Proof of income (pay stubs, social security awards letter or pension documentation)
Proof of residence (piece of mail, utility bill, lease, mortgage statement)
Valid drivers license or Adult’s learns permit.

Where can I make a payment after purchasing my vehicle?

We have many options for making a payment.

Cash payments
Online payment management
Autopay (most popular)
Pay by phone
Text to pay

How long does it take to get approved?

Here at Shantok Motors approvals are our specialty, we can have you approved within 20 minutes or less!

How much of a down payment will I need to qualify?

At Shantok Motors, we have vehicles starting $599 down. However, we know each approval is based on your specific information. Once officially approved, we will be able to give you down payment amounts for any vehicle you’re interested in.