Frequently Asked Questions

  • Is the price online your best price?

    Unlike other "old school" dealers, we don't price our cars high, expecting you to negotiate us down to our "best" price. Instead, we discount our cars immediately, with prices clearly displayed on the vehicle, ensuring a great deal from day one without the headache and hassle of negotiating.

  • Do your sales people work on commission?

    No! The sales people at other dealerships are motivated to do one thing: sell you a car for as much money as possible. At Mile High Car Company, whether you buy a car for $5,000 or $50,000, our sales people get paid the same. Their job is to get you the best possible deal on the car of your choice, regardless of your situation.

  • Do your cars come with a warranty?

    The vast majority of the vehicles we sell come with a warranty. As long as the vehicle has under 120,000 miles, it will go through our patented "Select Shield" program. The standard warranty for these vehicles is a 3-month, 3,000 mile powertrain warranty. You can also purchase an extended service contract for additional coverage.

  • What if I have a trade-in?

    All trade-ins are welcome, running or not. We also specialize in trading customers out of a negative equity position. You can value your trade on our website through a third-party service we provide. However, for the most accurate estimate, it's best to bring the vehicle down for a full appraisal. If the vehicle isn't running, please bring photos and documentation. If you have a trade, we would love to talk to you about it.

  • What if I owe more on my trade-in than its worth?

    Being "upside-down" in a trade is a huge challenge for most dealers because their cars are already priced well over retail value. In our case, we regularly price vehicles at a tremendous value which enables us to trade customers out of negative equity situations. Often, this means we can trade you out of your upside-down trade-in while rolling over little or no negative equity.

  • Can I get an auto loan even if I have bad credit?

    Absolutely! Mile High Car Company works closely with a network of partners that specialize in helping people with bad credit buy a used car that fits their needs. Even if you've been turned down at other dealerships, we invite you to try again with us.

  • What if I have excellent credit?

    As a high-volume dealer, we often have greater leverage with lenders than you would have on your own. We have programs for those with excellent credit from a spectrum of providers including large international banks, down to small local banks and credit unions through our Credit Union Direct Lending program. Even if you are pre-approved through your bank, it would be worth letting us see if we can beat their offer.

  • How long does the application process take?

    Filling out the credit application physically or online only takes a few minutes. After the application has been submitted, we will take a look at your situation as a whole and give you feedback about the best finance programs for your situation. Every bank and every program is different but we'll help you get everything completed as quickly as possible.

  • What if I already have an approval through my bank?

    We are happy to work with your bank. Due to the high volume of sales we produce at our dealership, we can sometimes leverage better terms for you than your bank offered. However, if you are set on going through your own bank, that is not a problem for us.

  • Can I get a vehicle history report?

    Definitely. We recommend never buying a vehicle without viewing a history report. We provide a free Carfax® and AutoCheck® history report on every vehicle in inventory.

  • Can I get a copy of my credit report?

    Yes, but not from us. We are happy to show you your credit report and go over it with you. However, due to privacy laws, we cannot give you a physical copy of your report. We recommend visiting for a free copy of your credit report. You can also visit the three largest credit bureau companies directly by Googling Experian, TransUnion, and Equifax.

  • How much will my monthly payment be?

    There are many factors that go into calculating monthly payments such as amount of purchase, interest rate, the type of vehicle you purchase, term, ancillary products, your local tax rate, and down payment. With dozens of banks, hundreds of programs, and a wide selection of cars, your best bet is to contact us with your budget and we'll see what we can make work for your specific situation.

  • Do you offer military financing?

    First of all, thank you for your service! Our Founder and President served in the Army and the Marine Corps for many years. As a result, our organization is committed to offering excellent financing products to the military. This certainly includes members of the Armed Forces with credit challenges.

  • What if I don't have money to put down?

    We want to talk to you anyway! We have many programs that allow you to put zero money down. Fill out our online application, let us know how much you are working with, and we will try and fit the finance program to your needs.

  • What if I have a bankruptcy?

    We have financing programs for those in a bankruptcy as well as recently discharged. Fill out our online application and we'll give you a call.

  • What if I have a new job?

    Not to worry! Our banks look at dozens of factors beyond just job time. We understand that everyone changes jobs from time to time and we still have ways to get you financed.

  • What if I have repossession?

    Some of our customers have had repossessions in the past. Our business is helping you, the customer, re-establish credit and move beyond the challenges you've had in the past.

  • What if I'm a first-time buyer?

    We have programs specifically suited for you. While you may not have had the opportunity to establish a record of on-time payments, we can help you get there and get you behind the wheel at the same time.

  • What if I'm disabled or on Social Security?

    Being on disability does not hinder your ability to obtain financing. Social Security is recognized by lenders as income and can be used in determining what size loan you qualify for.

  • What if I'm self-employed?

    Being self-employed in most cases is not a problem. Sometimes, proof of income may not be required at all. If it is, having verifiable income is the key. Often we can use tax-returns, bank statements, or cancelled checks. Give us a call and we'll do whatever we can to work with you.

  • How much income must I have?

    The minimum income required by most of our finance companies is about $900 per month, but there are exceptions to every rule. This minimum income amount varies widely among lenders and some won't require any income with a qualified co-signer. If limited income is a concern, fill out our online application and let us take a look at your specific situation.

  • What is the interest rate for my auto loan?

    Interest rates are determined by the lenders and are influenced by many factors, including the credit score, current credit balances, the amount of down payment, and the degree of credit risk. Your auto loan expert will explain these factors, and tell you exactly what your interest rate will be.

  • Will it help if I have a co-signer on the loan?

    A co-signer helps the most when you have either limited credit or limited income. Co-signers can help if you have poor credit as well, but not always. If a co-signer is an option for you, be sure to let us know. Every situation is unique and we are happy to look at yours.

  • Do you do VIN Verifications?

    Yes. We charge a $20 fee and just need your vehicle as well as a copy of your title or registration. The process takes about fifteen minutes during normal business hours.

  • Do you do vehicle appraisals?

    Not for those wanting to trade-in or sell their vehicle, this service is for customers who need documented appraisals for a legal proceeding such as bankruptcy, inheritance, divorce, etc. We can provide you an appraisal on a company letterhead along with supporting documentation for a fee of $50. This process takes about an hour and will require any documentation you can provide and either a visual inspection of the vehicle or photographs for vehicles that aren't running.

  • Do you do vehicle inspections?

    Our service department is happy to provide inspections for a wide variety of needs such as Uber or Lyft driver inspections, vehicle purchase inspections, safety inspections, or winter/summer inspections. Give our service department a call to get yours scheduled.

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