Vehicle Purchase
and Helping Hands Garage
Frequently Asked Questions (FAQS)
Question: I need a car. Will HHG give me one if I fill out the application?
Answer: No. You must purchase the car. HHG is not a give-away program.
Question: How do I get an application?
Answer: Download an application.
Question: Do you finance the cars you sell?
Answer: Yes, the WHCA Helping Hands Garage program finances the vehicles sold through the program with no money down, and debt service is charged at prime plus one percent.
Question: Does no money down mean I can simply drive away with my signature?
Answer: No. You do not have to pay any money down on the loan, however you must have sufficient funds to secure insurance (with HHG listed as lien holder), pay sales and excise taxes on the purchase, title fee, and pay for the vehicle registration.
Question: Do I have to get the car inspected and pay for an inspection sticker?
Answer: No. HHG vehicles are sold with a current, valid inspection sticker affixed to the vehicle.
Question: Will HHG repossess my car if I'm late on payments?
Answer: When payments are late or not received, HHG sends a warning letter. If the warning letter is not heeded and payment is not brought up to date, a "right to cure" letter is sent to the customer. The customer has two weeks after receiving this letter to bring the account up to date or HHG may repossess the vehicle at any time thereafter. We try to avoid such action, however sometimes it's necessary.
Question: Is there a warranty with the purchase of a vehicle through the HHG program?
Answer: No. All HHG vehicles are sold as-is, with no warranties, guarantees, or promises made, written, or implied. In accordance with Maine law, all vehicles will have passed the state safety inspection and have a valid inspection sticker affixed to the vehicle at the time of sale. There are no other assurances.
Question: How does HHG determine the prices at which vehicles are sold?
Answer: Sales prices are determined by several factors: The Kelley Blue Book private sale value, combined with HHG overhead expenses, repairs required for refurbishment, etc. are all considered.
Donate a vehicle to the Helping Hands Garage - help others be self-sufficient and receive a tax credit for your effort!