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Pettus Auto Group

Eastern Missouri's Home for Service, Affordability, and Selection

Joe and Shawna Pettus are native to the area and reside in St. Francois County with their children.

They are proud to serve through a business that literally MOVES the surrounding communities. By sourcing and maintaining vehicles, our team enables our emergency responders, police, businesses, and our friends and neighbors to commute safely and dependably.

Pettus Automotive provides a place where local automotive professionals, through service and sales, use their talents and abilities to provide award-winning customer care through on the job training, manufacturer certifications, and personal development programs.

If you are interested in being a part of a team that "does work that matters", see our Careers Page!

And to our neighbors and communities, we are here for you, and are always looking for ways to be better by providing the best team in the automotive field to give you and your families the best experience, to build and maintain your trust and respect to create relationships that last.

-Joe & Shawna Pettus

Selection That Is Second to None

First up is the fact that shopping with the Pettus Automotive means having access to a bevy of premium automakers and wealth of new cars, trucks, and sport utility vehicles (SUVs) from which to choose. Whether you are intrigued by a Chrysler, Dodge, Jeep, or Ram offering or something from Ford or Chevrolet piques your interest instead, the story never changes: the Pettus Automotive has exactly what you are looking for, all at a price that never leaves your bank account feeling beaten or bruised.

Is driving home in a quality used car more your speed? Not to worry, the Pettus Automotive has you covered on this front as well. Each of our convenient, nearby locations is stocked with a wide array of pre-owned cars, trucks, and SUVs, so you can shop with confidence knowing that reliable transportation at a fair price is always within your reach when you visit one of our lots.

Committed to Making You a Customer for Life

In terms of customer service, the men and women who proudly represent the Pettus Automotive have one task: To ensure that you become an Pettus Automotive customer for life. Regardless of which of our locations you find yourself at, you can always count on our team members to treat you with respect, courtesy, and to strive to guarantee that your every need is met throughout each phase of this important process.

Obviously, this is a pretty lofty standard to uphold. Even so, the Pettus Automotive team accepts nothing less in our pursuit to cultivate the perfect dealership experience – and to ensure that you always consider yourself a customer for life when the time comes to drive home in a great new or used car, truck, or SUV.

Are You Ready to Experience the Pettus Automotive Difference?

Now that you are up to speed with the Pettus Automotive difference, there is really only one question left to ask: Are you ready to come experience Eastern Missouri's finest car buying experience for yourself? If so, feel free to peruse our vast online inventory and then make it a point to stop by one of our convenient locations in De Soto, Fredericktown, or Farmington and it won't be long before you find yourself with the new or used car you've always wanted parked out in your front

Pettus Automotive bird's eye view

Ford logo

Pettus Ford
Fredericktown

141 Commercial Dr. Fredericktown, MO 63645
573-783-6432

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Ford logo

Pettus Ford
De Soto

12836 Highway 21 De Soto, MO 63020
636-337-7777

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Chrysler Dodge Jeep Ram logo

Pettus Chrysler Dodge Jeep Ram
De Soto

12830 Highway 21 De Soto, MO 63020
636-337-7777

Shop Dodge Chrysler Jeep Ram
Chrysler Dodge Jeep Ram logo

Pettus Chrysler Dodge Jeep Ram
Farmington

970 Woodlawn Dr. Farmington, MO 63640
573-431-7800

Shop Dodge Chrysler Jeep Ram

Get Directions to Pettus Automotive

Does Pettus Automotive sell used cars?

Yes. Buying a clean, affordable used car on our lot at a great price is easy. Simply browse our expansive online inventory and you'll see precisely why Pettus Automotive is the first name so many turn to in De Soto when the time comes to cap off whichever exciting life event has led you to park an exhilarating pre-owned car, truck, or SUV in your driveway or garage.

Why should I buy a used car from Pettus Automotive?

Because so many other discerning car shoppers in De Soto turn to us first. For some, the allure of shopping with us comes from our outstanding selection of quality pre-owned 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 Pettus Automotive make one thing readily apparent: You will always find the most enjoyable and budget-friendly used car shopping experience in De Soto at our friendly and clean pre-owned lot.

Does Pettus Automotive offer used car specials?

Yes. Check out the latest deals on our used car specials page and see for yourself just how much we can save you on the stellar pre-owned car, truck, or SUV you've always wanted.

Am I really getting the best price in De Soto at Pettus Automotive?

Absolutely. 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 in De Soto 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.

How do I pick the right used car to buy in De Soto?

It's easy with Pettus Automotive on your side. We have helped plenty of used car buyers with this exciting process over the years, and the best place to start is by considering the particulars of your unique situation. What does your budget look like? 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 or call 636-337-7777. From here, we will be more than 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 pre-owned vehicle that suits you perfectly.

Is every vehicle on the Pettus Automotive 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.

Will Pettus Automotive pressure me 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 De Soto proudly consider themselves customers for life.

What if Pettus Automotive doesn't have the used car I want?

We are dedicated to sourcing quality used vehicles for all of our customers, so let us know what you are in the market for and we'll get to work immediately on finding your preferred pre-owned vehicle via our expansive dealer resource network. Simply fill out our handy used car locator tool today and you'll soon find yourself scheduling an appointment to test drive your dream used car, truck, or SUV.

Can I compare used cars for sale at Pettus Automotive?

Yes, and it only takes a couple of clicks to leverage the power of our useful, complimentary 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 breaks down every spec, feature, and detail related to the assorted vehicles that appeal to you.

How do I know Pettus Automotive's used cars for sale are reliable?

Savvy car buyers like yourself ask this question often. To put your mind at ease, all incoming used cars undergo a rigorous inspection process that ensures these vehicles meet — and exceed — our lofty specifications. Holding our inventory to the highest standards possible guarantees that you can enjoy an unparalleled amount of peace of mind as you pair up the perfect vehicle with the major life event (celebrating a new job, commemorating a recent college graduation, etc.) that brings you through our front doors.

What is the difference between pre-owned and certified pre-owned (CPO)?

Great question. A certified pre-owned (CPO) vehicle is a used car, truck, or SUV that comes loaded 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 (usually 60,000 to 80,000) and pass an in-depth multipoint inspection. As for used cars at Pettus Automotive, 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.

Can I schedule a test drive at Pettus Automotive?

Yes, and it only takes a moment to schedule an appointment. Call 636-337-7777 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 pre-owned vehicle that fits your unique needs.

Do I really need to test drive a vehicle 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, so our automotive experts are always happy to schedule a quick test drive for you so that you can proceed with confidence when the time comes to finalize this major decision.

When is the best time to come shop at Pettus Automotive?

Whenever works best for you during our normal operating hours. A friendly and helpful automotive expert is always waiting to help you in the hunt for the right used vehicle for your daily routine, so stop by at a time that is convenient for you or give us a call at 636-337-7777 to schedule an appointment. Either way, you'll find that shopping at Pettus Automotive is always convenient, regardless of the timeframe that works best for you.

Will Pettus Automotive deliver the vehicle I purchase?

Our team is always looking for new and exciting ways to provide even more value to our customers, so we would love to work with you and see if we can accommodate this request. We are always ready and waiting to go over important details regarding this process (including your proximity to our De Soto location, preferred delivery date, and vehicle weight), so call 636-337-7777 today and we will work hard on your behalf to find the best possible way to fulfill your desired vehicle delivery.

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 ready and waiting for you at Pettus Automotive.

What if I am not happy with the car I purchased from Pettus Automotive?

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 your focus on riding around De Soto in style and enjoy all of the benefits that come with upgrading your daily drive via our ample selection of premium pre-owned vehicles.

Does Pettus Automotive sell new Ford vehicles?

Yes, we proudly offer the latest exciting, feature-rich vehicles straight from Ford. As soon as you pick out your dream Ford vehicle, you can count on our friendly and helpful team to have it in stock and at a price point that works in harmony with your budget. If you're a new Ford shopper in De Soto, there is plenty to love about this ideal blend of outstanding selection, premium service, and impressive affordability.

Why should I buy a new Ford vehicle?

Buying a new Ford from us is the easiest and most convenient way to get the biggest bang for your buck when upgrading into an exciting new vehicle. Known for their reliability, performance, and affordability, Ford vehicles are the cream of the crop in the automotive world and sure to turn heads here in De Soto.

Owning one of these fine automobiles is also the ultimate opportunity to save a ton of money and enjoy the peace of mind that comes with parking a premium vehicle in your garage. If you're in the market for a major automotive upgrade to your daily routine, what could possibly be better than this win-win scenario?

Do new Ford vehicles come with a warranty?

Yes. Ford wants you to be more than satisfied long after you roll off of our lot in your stunning new car, which is why each and every award-winning new Ford we sell comes with a plethora of protections via a copious warranty program. For more information about the outstanding safeguards that come with a bold new Ford fresh off of the factory floor, call 636-337-7777 today and we will fill you in on all of the impressive details regarding the Ford warranty program.

Can Ford work with me on the price of a new Ford vehicle?

Yes. Getting you behind the wheel of the Ford vehicle you want is our favorite thing to do. Every shopper comes from a unique financial background, so we are always flexible on pricing. All you have to do is let us work our magic to find you a happy solution regarding pricing and we are confident that you'll soon see why so many have found the financing they need to drive home in their dream Ford vehicle with us. It's easy, convenient, and happens in a hurry with Pettus Automotive on your side.

What are the benefits of buying new versus buying used at Pettus Automotive?

This is a great question that we're often asked by savvy shoppers who do their homework before signing on the dotted line. Pettus Automotive has years of experience spotlighting the advantages related to these two choices, so here's a quick overview that will ensure you get the most out of this exciting — and important — process.

Buying a new car is a great idea if:

  • 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 would like the peace of mind that comes with being protected by a new car warranty from Ford.
  • You want easier access to financing.
  • You insist on driving a car with the cleanest history possible.
  • You want to take advantage of new car incentives directly from Ford.

Buying used is the right call for you if:

  • The budget-friendly nature of Pettus Automotive's affordable used car inventory appeals to you.
  • You want to get more bang for your buck by upgrading into a gently used premium pre-owned vehicle.
  • Lower car insurance rates appeal to you.
  • You want to save money as the cost of registering your used car goes down with each passing year.
  • You understand that reliability always has top billing with our used inventory thanks to our in-depth vehicle inspection process.
  • You have your sights set on a used non-Ford vehicle and want to take advantage of our outstanding pre-owned prices.
Why choose Pettus Automotive over the competition in Missouri?

Because you want the best selection of reliable vehicles that come loaded with amazing features in De Soto. Because you want to take advantage of customer-first, affordable pricing. Because leaning on the assistance of friendly professionals who can 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 during this major moment in your life.

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

Why should I buy from Pettus Automotive?

Buying a car from us is all about maximizing your return on this major life moment. Thanks to our expansive selection of reliable, affordable, and alluring vehicles, friendly sales professionals that always put your needs first, and the most budget-friendly prices around, we've crafted a shopping environment that makes finding the right car for you simple, straightforward, and downright fun. Are you ready to join our growing family of happy customers and reap all the rewards that come with shopping at Pettus Automotive?

What are Pettus Automotive's hours?

Pettus Automotive's most current hours of operation can always be found on our handy contact page. While these business hours are subject to change based on seasonal and holiday considerations, our goal is to always make serving your needs as convenient as possible by being open for business across a wide range of times and dates.

Is Pettus Automotive open on Sundays?

Yes. It is our pleasure to provide extended business hours on Sunday to our friends here in De Soto. Doing so ensures that you can conveniently shop on your terms and at a time that works best for you.

Where is Pettus Automotive located?

Located right here in De Soto, we are always just a few minutes away and ready to help you upgrade your daily commute. To make planning out a quick trip to our showroom floor even easier, you can find our official address for your GPS or favorite map app on your phone down below.

12836 State Route 21

De Soto, MO 63020

How can I get a hold of someone at Pettus Automotive?

With a quick and friendly phone call. Dial 636-337-7777 when you are ready to tap into the expertise of our team and we will have you cruising the streets of De Soto in the perfect vehicle for you soon.

What kind of loan rates does Pettus Automotive offer?

Pettus Automotive is committed to offering you the most competitive financing rates possible in De Soto. 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 when you call 636-337-7777 today.

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

Yes. Nearly all car loans may include the taxes, registration fees, and other similar expenses. This is a great way for savvy shoppers to reduce the upfront expenditure associated with taking out a loan, buying a car, and registering it. Let us know that you wish to explore this option when discussing the terms of your loan or when you stop by to sign on the dotted line and we will help you determine the best course of action for your unique situation.

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 and letting you pay for any additional add-on services and items over time goes a long way toward making the process of purchasing a vehicle more convenient and relaxed for everyone.

If you would like to take advantage of these optional upgrades when financing your next car, truck, or SUV with us, let our team know when you stop by our nearby De Soto location and we will be more than happy to help you spread out the cost of these options over the course of your loan.

Can I get financed with no money down?

Yes. Pettus Automotive offers access to this special approach to financing to qualified buyers. Let us know you want to consider this option when the time comes to apply for a great loan and we will help you quickly and easily determine if this no-money-down arrangement is for you.

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

Easily. We help people from all walks of life get financed all the time, so let us do what we do best and aid you in picking out the ideal loan from one of our many lending partners. If you do, we will have you heading home shortly in a quality used car from our expansive inventory that is sure to impress when it is parked in your driveway.

Can Pettus Automotive help me get a loan if I have no credit history?

Yes. Connecting newer shoppers with the loan they need to purchase a great used vehicle is one of the many specialities of our finance team. Call 636-337-7777 today and we will be more than happy to lay out precisely how our winning approach to making automotive financing easy and simple is the perfect fit for your unique credit history.

Can Pettus Automotive help me with financing if I have a bankruptcy in my past?

Good question. We love helping customers in this situation secure the financing they need to upgrade into a reliable and affordable used car. Thanks to our quick and easy loan application process, all it takes is a few minutes to find the right loan for you and have you walking out of our front doors with your head held high, a smile on your face, and the keys to an outstanding car in your hands.

Can Pettus Automotive 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 ability to be approved for financing. With this realization on your side, you can kick back and focus on the most exciting part of this fun process: Finding the perfect car for you and your family.

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

Getting approved for a loan as a self-employed tax payer in De Soto is easy. Income verification will be the key to your success if you are self-employed.

After our lenders review a few documents that verify your income such as your tax returns, bank statements, or canceled checks, you'll find that getting approved for financing is simple, straightforward, and convenient, just like everything else that goes into the expedient and enjoyable used car buying process at Pettus Automotive.

Can Pettus Automotive help me obtain financing if I recently changed jobs?

Yes. Starting a new job is an exciting time, so let us help 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 come in an apply with confidence knowing that our financing team and its associated lenders are more than prepared to help you secure a great loan and the lowest interest rate possible.

Can Pettus Automotive 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 in De Soto lean on us when the time comes to finance an affordable and reliable used car at a budget-friendly rate.

What if I owe more than my car is worth?

Commonly called under water, upside down, in an inequity position, or buried, our finance team has many years of experience assisting countless shoppers in this situation. It starts with a fair Pettus Automotive offer to buy your trade-in. This goes a long way toward recouping the lost value that your current vehicle has lost.

We also have the flexibility to easily arrange an affordable loan for you that will cover the remaining inequity of your previous vehicle. This way you can drive home in style in the car or truck that really catches your eye.

Do I have to have a job to get financed at Pettus Automotive?

Being employed is only one of a host of factors that go into the financing process, so come in today and let our team of experts do what they do best and work hard to secure you the perfect loan for your unique situation. Plenty of other happy customers coming from a similar financial background have already walked through our front doors and walked right back out with the keys to the used car, truck, or SUV they covet, so call 636-337-7777 when you have a few spare minutes to jumpstart this exciting process.

Can Pettus Automotive give me a quote on my trade-in vehicle's value?

Yes. Securing access to the most seller-friendly offers on trade-in vehicles in De Soto happens by calling 636-337-7777 for a quick phone chat. Once you give us a ring, a member of our team will guide you through the simple steps in this easy and convenient process.

For shoppers who prefer to keep things digital, check out our friendly trade appraisal tool for instant access to both a quote on your trade-in vehicle and the insight of our team of trained finance specialists. As always, this service is presented as a courtesy, so take advantage of the best online vehicle trade-in program in De Soto today.

How does Pettus Automotive determine my vehicle's trade-in value?

With the utmost care and consideration. Ensuring you receive the maximum value possible on your trade-in is our goal, so we make it a point to provide the most customer-friendly trade-in experience imaginable. We are also more than happy to offer up a friendly and fair quote on any vehicle you are interested in trading in toward your next exciting automotive purchase.

This commitment to going above and beyond is why local car buyers shop with confidence at Pettus Automotive. To get the ball rolling on an amazing trade-in quote from one of our experts, visit our friendly trade appraisal page today.

Can I sell you my used car even if I don't purchase a vehicle from Pettus Automotive?

Yes. We are always ready and willing to assist you in the process of elevating your time spent on De Soto roads — even if that means simply purchasing your vehicle at a fantastic price point. This flexibility has helped countless other drivers get the most in return for their older cars, so let us make you an outstanding offer today.

How do I know if I am pre-approved for a loan at Pettus Automotive?

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

Do I have to get financed for a loan via Pettus Automotive?

If you prefer to work with your personal bank or another lender, we understand completely and are still more than happy to help you pick out the perfect car, truck, or SUV. Before you make your final decision, we do suggest that you connect with our friendly financing team to learn more about our outstanding car loan options. Plenty of car shoppers are pleasantly surprised when they learn that we can connect them with impressively low interest rates thanks to our expansive connections with premium lenders.

Why should I get financed at Pettus Automotive?

The short answer? It's easy, convenient, and often the most affordable option for discerning car buyers here in De Soto. Outside of this, there are also plenty of other reasons to let us help you acquire the financing you need. By employing a swift process that keeps your interest rate and fees extra low as we work hard to uncover the best loan terms for you, our team also makes it a point to keep you in control from start to finish.

If you ever want more info regarding our inimitable financing experience, that is completely okay. Transparency is key to trust, so we are always more than happy to break everything down that goes into this process for our customers.

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, and a recent study conducted by Edmunds reports that the average down payment on a car loan generally hovers around 11 to 12 percent.

Your unique financial situation may require something other than these "golden rules," and that is always fine by us. Our team is happy to help you figure out which type of down payment is best for you, and even work with you to explore options that require no money down at signing if you are interested in keeping your upfront cost as low as possible.

What is gap insurance?

Gap insurance is an optional form of protection that provides coverage for the remainder of your auto loan should an accident or collision total your vehicle. Gap insurance also often kicks in to safeguard you in response to vehicle theft and helps you pay off 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, or opted for the convenience of a loan with no 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 in De Soto.
  • Would like the peace of mind that comes with complete protection.
Do I need a co-signer?

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

Do I need an appointment to meet with an automotive financing specialist at Pettus Automotive?

Walk-in customers are always welcome and our front doors are always open, so come in and sit down for a chat regarding your car loan financing options whenever works best for you. If you prefer, you can also call ahead and schedule an appointment with a friendly financing team member. Doing so streamlines this already convenient process even more and lets you really focus on the fun and excitement surrounding your next vehicle purchase.

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

We make completing your financing paperwork silky smooth and exceptionally quick. Our team's goal is to have you behind the wheel of your dream car and having fun on the roads of De Soto as soon as possible, so you can count on us to have everything you need ready and waiting when you come in to pick up your exciting new vehicle.

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 $16,000, your LTV is 94%.

If you owe more than your current vehicle is worth, your LTV will be negative. Pettus Automotive has plenty of experience assisting car shoppers in this exact situation as they upgrade their daily driver, so let our finance team help you today.

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 $400 and your gross monthly income is $3,500, then your PTI is 11%. 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 arrangement for your unique needs.

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 of your car loan. This yearly rate is what you'll pay in interest on the amount you borrowed initially, and can either 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. This is typically used to describe the amount of money a car will sell for right now through the large auction networks. This is the amount that we can expect to recoup should we choose to sell your car at auction right away.

Can I see the full purchase agreement before I agree to buy a car from Pettus Automotive?

Yes. Transparency is a top priority for our team, so feel free to ask to see the full purchase agreement at any point during the car buying process. If you have any questions regarding specific inclusions within this agreement, let us know right away and the friendly and knowledgeable sales representative working with you will be more than happy to review and explain every included item.

Can I lease a new Ford at Pettus Automotive?

Yes. Leasing a new car at Pettus Automotive is all about having your cake and eating it too. We are proud to pair up an impressive selection of head-turning Ford vehicles with a leasing program that makes upgrading your daily commute a breeze. Simply stop by our showroom floor today or shop online and call 636-337-7777 whenever works best for you. From here, we will get you behind the wheel of the Ford vehicle you've been dreaming about in a flash, all at a low monthly price that keeps your budget looking great.

What is a new car lease and how does leasing a vehicle at Pettus Automotive work?

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

When this term reaches completion, you'll also have the flexibility to purchase this vehicle at a great price if you decide that you want to keep it. Otherwise, we can help you renew your current lease or choose a new lease featuring one of the latest exciting Ford vehicles displayed on our showroom floor. The choice is always yours.

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 still lets you take advantage of all of the benefits that come with parking one of these premium vehicles in your garage. Additionally, leasing also equips you with the flexibility to regularly upgrade into one of the hottest new Ford models every few years. To determine which option works best for you, connect with us today and we will help make this decision easy by reviewing how each choice fits into your unique automotive situation.

Should I buy or lease a vehicle in De Soto?

This depends entirely on your unique needs and financial considerations. To help make the big choice between buying or leasing a vehicle easy and fun, here's an overview of the host of benefits that come with each option.

You should lease an exciting new Ford vehicle from us if:

  • You love the idea of upgrading into the hottest new Ford on our showroom floor every few years.
  • You only need a car for a short time and would rather skip financing another long-term asset.
  • You are looking for a lower out-of-pocket cost at signing.
  • You prefer lower monthly payments.

You should buy one of the latest bold new Ford vehicles from us 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 believe you will drive more than the amount offered via a lease's associated mileage cap.

Need more help determining which option is right for you? Call 636-337-7777 to tap into the insight of our experts and we'll help you make a smart decision regarding whether to finance or lease a stunning new Ford.

How does leasing differ from owning a vehicle?

As far as your day-to-day experience goes, buying a vehicle from us or leasing one of our outstanding Ford offerings is exactly the same. Both options let you ride around in the stylish Ford of your choice while enjoying all of its premium features, and we'll still be here to provide you with the best customer service and support in De Soto when the time comes to bring your vehicle in for service and routine maintenance.

The only real changes come from a big picture perspective. Financing a new Ford gives you complete ownership of your chosen vehicle immediately, while leasing your vehicle comes with a fixed term of possession. At the end of this period, you can either upgrade into another exciting new Ford featuring all of the latest tech and creature comforts or purchase your current vehicle at an exceptionally affordable buyout price if you've simply fallen in love with your daily driver.

Does Pettus Automotive rent cars?

Yes. We have an impressive selection of rental vehicles ready and waiting for you. Call 636-337-7777 today and we'll quickly and easily reserve the perfect vehicle for your rental needs. By making this process so convenient, we've ensured that you can spend more time focusing on the fun stuff — like planning an adventure here in De Soto or going over the details of your next big trip outside of city limits.

Why should I rent a car at Pettus Automotive?

Because we provide you with access to an ample selection of outstanding rental vehicles, all at the lowest rates possible. After picking out the perfect rental vehicle, our friendly and knowledgeable team of rental experts and our commitment to flexible scheduling and service also ensures that picking your car up and dropping it off on the return date is always extra convenient. Whether you are only in town for a few days on business, picking up a rental for a night out with that special somebody, or preparing for some other big event, it is safe to say that renting with us is always your best bet.

What do I need to rent a vehicle from Pettus Automotive?

Renting a vehicle from Pettus Automotive is a breeze. All we need to get this process started are a few things, which include:

  • Valid driver's license
  • Major credit or bank card issued to the prospective renter
  • Valid, unexpired insurance that is transferable to a rental vehicle (proof of insurance required)

Call 636-337-7777 once you have these items together and we will have you sorted out and scheduled to come in and pick up your rental vehicle right away.

What if I don't have full insurance coverage that transfers to a rental vehicle?

This is a question that pops up quite often, and we want you to know that you always have options. Depending on your unique rental situation, a Collision Damage Waiver (CDW) may be available to supplement full, transferable insurance coverage. To find out if this option is available and to rent one of our outstanding vehicles at an ultra-low price, call 636-337-7777 and a member of our rental team will help you learn even more about how a CDW can help you secure a great rental vehicle for your trip.

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