Clement FAQ's

Buying a Car


What if I am not happy with the car I purchased?


We are committed to your satisfaction throughout each phase of the car buying process - even after you sign on the dotted line. Our team is only a quick phone call away, and we will do everything in our power to allay any concerns you might have regarding your recently purchased used car, truck, or SUV. This way, you can keep riding in style and enjoy all of the benefits that come with upgrading your daily driver. All new and most used vehicles from Clement Auto Group come with a 5-day love it or swap it guarantee. If you decide within 5 Days or 500 miles this vehicle is not a perfect fit, we'll exchange it for you. 

Please visit clementautogroup.com for more details or contact one of our sales associates. *Excludes new vehicles and former fleet vehicles.


Am I getting the best price?


Absolutely! We give the best price upfront. Whether you are celebrating a recent graduation, a new job, or you have a new baby on board, one thing always remains the same: We have the most fantastic prices on quality cars, trucks, and SUVs. Our team takes an extreme amount of pride in delivering this massive amount of value directly to you during whichever major life event brings you to our showroom floor, so you can shop with confidence knowing that you really are getting the best price possible on the vehicle that piques your interest.


Will I be pressured into buying a car I'm not sure about?


No. Your comfort and satisfaction are our primary focus, so you can shop with confidence knowing that you are in complete control of this process from start to finish. Our sales team has a sterling reputation based on our commitment to always doing right by local car shoppers, which is why so many individuals in St. Louis proudly consider themselves customers for life.

How do I know Clement Auto Group's used cars for sale are reliable?

All incoming used cars undergo a rigorous inspection process that ensures our vehicles meet - and exceed - your expectations. Holding our inventory to the highest standards possible guarantees that you enjoy peace of mind and comfortable travel.


Can I see a vehicle history report?


Yes. Transparency is a cornerstone of our car buying experience, so our friendly sales team is pleased to provide you with an accurate and up-to-date vehicle history report covering every vehicle that piques your interest in our inventory. Each used car sold on our lot adheres to a strict commitment to quality and reliability, so shop with confidence knowing that a complimentary, comprehensive vehicle history report that confirms this sterling standard is always available for you at Clement Auto Group.


What are the benefits of buying new versus buying used?


This is a great question. Clement Auto Group has years of experience spotlighting the advantages related to these two choices, so here's a quick overview.


Buying a new car is a great idea if:

You like driving new cars.

You want the latest and greatest in terms of safety technology.

Cutting-edge infotainment and connectivity with your smart devices is a top priority.

You like the confidence that comes with being protected by a Hyundai warranty.

You want the lowest interest rate possible.

You want to take advantage of new car incentives directly from Hyundai.


Buying used is probably the right call if:

The budget-friendly nature of pre-loved cars appeals to you.

You want to get more bang for your buck and are seeking a gently used premium option.

Keeping your car insurance rates low is important to you.

You want to take advantage of Clement Auto Group's commitment to reliability through our in-depth inspection, repair, tune-up, and detail process.


Why choose Clement Auto Group over the competition?


Because you want to feel respects and choose from one of the best selections of reliable vehicles. Or because you want to take advantage of customer-first approach and affordable pricing. Maybe because leaning on the assistance of friendly professionals who cater to your unique situation and help guide you through the search for the right vehicle is an invaluable asset to have on your side .

Simply put, because you - like other discerning shoppers - deserve to enjoy all of the benefits that come with shopping at the most trustworthy dealership around.


Buying a car from us is all about maximizing your return on this major investment. Our friendly sales professionals always put your needs first, and will help you navigate our expansive selection of reliable, affordable, and alluring cars and trucks. At Clement Auto Group, we've crafted a shopping experience that makes finding your perfect car straightforward and downright fun!


How much should my down payment be?


Conventional wisdom suggests that putting down 20 percent of the total cost of the car at signing is a smart idea. However, your unique situation may require something different, and that is fine by us.


Do I need a co-signer?


Having a co-signer can make getting approved for a loan easier because of the combined credit score, income, and financial history. To determine if this is the best fit for you, let our team of experts leverage their years of experience to provide a hand as you consider your options.

Can I see the full purchase agreement before I agree to buy?

Yes. Transparency is paramount for our team. If you have any questions regarding specific inclusions within this agreement, the friendly and knowledgeable team member working with you will be happy to review and explain every line.


Can I lease new at Clement Auto Group?


Yes. Leasing a new car at Clement Auto Group is all about having your cake and eating it too. We are proud to pair up an impressive selection of head-turning cars with a leasing program that makes upgrading your daily commute a breeze.

What is a new car lease and how does leasing a vehicle at Clement Auto Group work?

A new car lease gives you the opportunity to take to the streets in an alluring and feature-rich new car at a cost that is often significantly lower than traditional monthly car payments. As part of the program, you'll enjoy the perks that come with owning your car for a predetermined term length of time.

When this term reaches completion, you'll still have the flexibility to purchase your car at a great price if you decide to keep it. Leasing keeps you in control by creating lots of options down the road.


Should I buy or lease a car? 


This depends on your unique needs. To help make the choice between buying or leasing a vehicle easy, here's an overview of the benefits.

You should lease a new car if:

You love the idea of upgrading into the hottest new Hyundai every couple years.

You only need a car for a short time and would rather not set up longer-term financing.

You are seeking a lower out-of-pocket cost at signing.

You prefer lower monthly payments.

You should buy a new car if:

You love the idea of owning the vehicle you drive.

You want the freedom to sell your vehicle whenever you want.

You want to keep your insurance costs as low as possible.

You know you will put a lot of miles on your car.


How does leasing differ from owning a vehicle?


Financing a new car gives you complete ownership, while leasing comes with a fixed term of possession. At the end of this period, you can either upgrade into another new car with the latest tech and comforts, or you can purchase your current vehicle at the pre-negotiated buyout price.


Financing


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.


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.


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.


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.


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 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 get financed if I don't have good credit?


YES! We work with 70 different banks and 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 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 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 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.


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.


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.


Seeing a Car


What do I need to bring with me when I come to Clement Auto Group?


Your valuable time is important to both you and our team, so we've streamlined the car buying and loan process significantly. All you need to bring with you to drive home in your dream vehicle are the following items and we will handle the rest:


Your Social Security number

A valid driver's license

Home ownership or renter's documents

Pay stub or other employment verification info

Relevant documentation for co-applicant and/or cosigner (if applicable)


How do I pick the right used car to buy?


It's easy with Clement Auto Group on your side. We have helped thousands of used car buyers with this process over the years, and the best place to start is by considering the particulars of your unique situation. 


Are you interested in the utility of a pickup, the ample legroom of an SUV, or the eco-friendly gas mileage of a compact car or sedan to help lower the cost of fuel that comes with your daily commute?

Once you have spent some time pondering these questions, browse our expansive online inventory and we will be happy to assist you in exploring all of your options and help ensure that you drive away from our used car lot with a smile on your face and in a used car that suits you perfectly.


Can I schedule a test drive at Clement Auto Group?


Yes, and it only takes a moment to schedule an appointment. Call 314-427-2537 and we will get you on the books for a complimentary test drive of whichever vehicle piques your interest and offer guidance to you along every step of the way until you find the ideal car that fits your unique situation. 


Do I need to test drive a car before I buy it?


We highly recommend taking advantage of this complimentary service. Feeling good about buying a quality used car, truck, or SUV that will last you long into the future requires being completely comfortable with the vehicle that intrigues you. Our experts transportation consultants are happy to schedule a quick test drive so that you can proceed with confidence when the time comes to finalize this major decision.


Does Clement Auto Group sell used cars?


Yes. Buying a clean, affordable used car at a great price is easy. Browse our expansive online inventory and you'll see why Clement Auto Group is the first name so many turn to when the time comes.


Why should I buy a used car from Clement Auto Group?


Because so many other discerning car shoppers turn to us first. For some, the allure of shopping with us comes from our outstanding selection of quality used cars and our affordable pricing that always puts your budget first. For others, our respectful team and a shopping environment that places a priority on your comfort and satisfaction serves as the cherry on top.


When paired with our plethora of positive customer reviews, the above benefits of buying a used car from Clement Auto Group make one thing readily apparent: You will always find the most enjoyable and budget-friendly used car shopping experience at our friendly and clean used car lot.


Is every vehicle on this website for sale?


Yes. If you see a vehicle listed on our website, that means it has already passed our rigorous quality inspection process and is ready and waiting to impress you when you come in to take it for a test drive.


Can I compare used cars for sale?


Yes, and it only takes a couple of clicks to leverage the power of our useful comparison tool. For each vehicle you would like to compare side-by-side, click the button labeled "Compare" on the vehicle details page, or the comparison arrows icon for the associated vehicle on the list page you are currently viewing.

Once you are done selecting all of the vehicles you want to review, click the "My Compared Vehicles" button located in the toolbar at the top of every page on our site and then the option labeled "View Compared Vehicles". After doing this, you'll find yourself on a custom, private page generated exclusively for you that compares the important specs and details related to you hand selected assortment of vehicles that appeal to you.


What is the difference between a used car and a certified pre-owned (CPO) vehicle?


Great question. A certified pre-owned (CPO) vehicle is a used car, truck, or SUV that comes with a warranty backed by the manufacturer, in addition to other premium services, like 24/7 roadside assistance. To earn this designation, the CPO vehicle must have less than a set limit of miles traveled and pass an in-depth multipoint inspection. As for used cars at Clement Automotive Group, these offerings also undergo a rigorous inspection process to guarantee superb quality, in addition to providing you with access to the remainder of the factory warranty (if applicable) in terms of extended coverage.


When is the best time to come shop at Clement Auto Group?


Anytime during our normal operating hours. We always have a friendly and helpful car consultant available to help you find the right car or truck that fits your routine. Feel free to stop by at any convenient time for you. You'll find that shopping at Clement Auto Group is always a pleasant and convenient experience.


Do I need an appointment to shop at Clement Auto Group?


Stopping by whenever you have some free time to shop is highly encouraged, and our doors are always open to our friends in St. Louis. If your schedule is fit to burst with other upcoming events, an appointment is also a smart idea. Reserving some one-on-one time with one of our friendly experts guarantees that you get the most out of your valuable time spent perusing our copious inventory.


Can I set up price drop alerts for vehicles that interest me?


You sure can, and it's amazingly simple and easy to use this complimentary tool on our website. While you're on the vehicle description page of the automobile that piques your interest, just click on the bell icon. After doing this, we'll let you know immediately the next time we lower this car, truck, or SUV's price so that you can take advantage of this great deal. It's a superbly convenient way to automatically save even more on your next vehicle purchase.


Warranties & More


What is gap insurance?


Gap insurance is an form of protection that provides insurance coverage for the remainder of your auto loan should an accident or collision completely total your vehicle. Gap insurance kicks in to safeguard your credit in the event of the total loss of your car and pays off the negative equity in your loan if you owe more than the depreciated value of your vehicle.


Do I really need gap insurance?


Gap insurance is a great asset to have on your side if you:

Made a small down payment.

Selected a loan term with a 48-month or longer duration.

Plan on putting more mileage on your vehicle than the average driver.

Value the confidence that comes with complete financial protection.



Why should I service my vehicle at Clement Auto Group?


Great question. Our factory certified technicians work hard to ensure that handling routine maintenance, important repairs, and everything in between is always a relaxing and enjoyable process. We achieve this stellar customer experience via host of benefits and advantages designed exclusively with your satisfaction in mind:


The lowest prices possible on routine service and car repairs in Wentzville.

Friendly customer support that keeps things simple and straightforward.

Prompt turnarounds on service requests that get you back out on the roads of Wentzville with haste.

A transparent process that constantly keeps you informed about your service request.

To learn even more about why having your vehicle serviced by our team of friendly experts and certified technicians really is a dream come true, call 636-887-8711 today.



Does Clement Auto Group offer car service and repair specials?


Yes. Our service department offers up a wealth of money-saving service and repair specials. Claiming these stellar savings and coupons is also easy and happens in a flash. Check out our service specials page before your next visit to Clement Auto Group to lock in these impressive deals.



Selling/Trading


How does Clement Auto Group determine my vehicle's trade-in value?


With the utmost care and consideration. We make it a point to provide the most customer-friendly car selling experience imaginable. We are happy to make a fair offer on any vehicle you want to trade toward your next car.


What if I owe more than my car is worth?


Commonly called under water, or upside down, in an inequity position, or buried, our finance team has seen it before. We leverage many years of professional experience assisting shoppers through this situation. It starts with a fair offer to buy your trade-in. We can typically roll any inequities into the new loan which means that we pay off the difference and you start a new loan on the new car. This way you can drive home in style in the car or truck that you really want.



Can Clement Auto Group provide quote on my trade-in's value?


Yes. Securing an offer on your trade-in starts with a quick chat about your car. For shoppers who prefer to keep things digital, check out our friendly trade appraisal tool to request a quote to buy your car.


How does Clement Auto Group determine my vehicle's trade-in value?


With the utmost care and consideration. We make it a point to provide the most customer-friendly car selling experience imaginable. We are happy to make a fair offer on any vehicle you want to trade toward your next car.


Can I sell you my used car even if I don't make a purchase?


Yes. We are always ready and willing to buy your car for a fair amount and our check is good today.


Does Clement Auto Group accept trade-in vehicles?


Yes. We would love to purchase your trade-in vehicle today. Our staff takes immense pride in providing the best prices possible on trade-in vehicles, so come see for yourself why so many other savvy shoppers turn to us first when the time comes to maximize the value of their old vehicle and upgrade into a brighter automotive future.


Should I trade my car in at Clement Auto Group or sell it myself?


Trading in your car at Clement Auto Group is significantly easier and substantially more rewarding than selling it on your own if you're a car shopper who places a high priority on convenience, value, and time well spent. To maximize the return on your old car, all you have to do is connect with our team of knowledgeable and friendly used car specialists by calling 314-427-2537 and we will get to work immediately on providing you with an outstanding estimate that delivers a truly impressive amount of value to you. After accepting your optimized and personalized trade-in quote, you can turn your attention right away to where the real fun begins: Shopping for the right high-quality and affordable used car, truck, or SUV to park in your front driveway.



Making Payments


What does "LTV" stand for?


The loan-to-value (LTV) ratio is a tool used by lenders to represent the amount of money owed on your loan relative to the value of your vehicle. For example, if you currently have a loan for $15,000 on a vehicle that is worth $20,000, your LTV is 75%.

If you owe more than your current vehicle is worth, your LTV will need to be addressed. Clement Auto Group has decades of experience assisting car shoppers through this exact situation.



What does "PTI" stand for?


The payment-to-income (PTI) ratio is a percentage that describes your car payment in relation to your pre-tax income. As an example, if your monthly car payment is $300 and your gross monthly income is $3,000, then your PTI is 10%. Lenders usually look for a PTI that sits at around 15% when considering how large to make a loan, but this is just one of a host of factors that go into the process of securing the best financing options your unique situation.


What does "DTI" stand for?


The debt-to-income (DTI) ratio represents all of your monthly debt divided by your monthly income. Credit card payments, mortgage payments, and other recurring expenses are factored into this metric, which most lenders suggest keeping at or below 50%.


What does "POI" stand for?


"POI" stands for proof of income and is a metric that helps our associated lenders verify your stated income during the loan application process. Some common examples of proof of income include:

Pay stubs

Bank statements

Last year's federal tax return

Form W-2



What does "POR" stand for?


"POR" stands for proof of residency and is a tool that aids our stable of high-quality lenders confirm your residency during the car loan application process. Some common examples of proof of residency include:

Vehicle registration or title

Voter registration card

Utility or telephone bill

Selective Service card

Checking or savings account statement



What does "APR" stand for?


"APR" stands for the annual percentage rate. Typically referring to the interest rate of your car loan. This yearly interest rate is what you'll pay in addition to the amount you borrow initially, and can be fixed (unchanging for the duration of your loan term) or variable (may change over the life of the loan).


What does "ACV" stand for?


"ACV" stands for the actual cash value. ACV is used to describe the amount of money a car can be expected to sell for through the large auction networks right now. This is the amount that we can expect to recoup should we choose to sell