Smartway auto inc.

Smartway auto inc. is a used car leasing program available at all Champion Automotive Group locations in Michigan. The business is designed for customers with less than perfect credit who are looking to rebuild their credit and get back on the road to financial freedom.

The program specifically targets individuals with less than perfect credit who need a way to establish or re-establish their credit history. It is also suitable for those who cannot afford the cost of collision coverage with their own insurance company.

Customers can make payments by calling (517) 548-5707 with a debit or credit card, texting (810) 522-0371 with their name and last four digits, or by mailing a check or money order to P.O. Box 2070 Brighton, MI 48116. Cash payments can also be made at the Champion dealer cashier's office if they are informed it is a Smartway payment.

State-mandated PLPD liability insurance of $100,000/$300,000 with $50,000 property is required, along with either Collision Coverage or Loss Damage Waiver (LDW). Deductibles cannot exceed $500, and Smartway Auto Inc. must be listed as the Loss Payee on the policy.

Both the standard Collision/LDW options and the optional Loss Damage Waiver include built-in GAP coverage. If the account is current and the deductible is paid, Smartway Auto Inc. will waive any remaining balance after the insurance company or LDW company pays the claim.

The customer is responsible for keeping the leased vehicle in good working order. All maintenance and repairs are at the customer's cost unless a warranty or service contract is applicable, as Smartway Auto Inc. is not a dealer and does not repair vehicles.

The lease allows for normal wear and tear, but any damages in excess of $500 may be charged to the customer at lease turn-in. If the customer chooses the buyout option at lease end, these excess charges will not apply.

The program is available at multiple Champion Automotive Group locations serving the Metro Detroit area, including Champion Hargreaves Chevrolet in Royal Oak, Champion Cueter Chrysler in Ypsilanti/Ann Arbor, and Champion Chrysler in Lansing, among others.

Smartway Auto Inc. offers monthly credit reporting to Trans Union as part of their finance program to help customers rebuild their credit history.

Customers have the option to choose the Loss Damage Waiver Plan as a cheaper alternative to their insurance companies' Collision Coverage. This waiver only covers the vehicle in the event of a Total Loss after the deductible is paid.

Reviewers consistently praise the staff for being friendly, knowledgeable, and helpful throughout the entire purchasing process. Many customers describe the experience as smooth, easy, and hassle-free, with staff making the process feel professional and accommodating.

There are 11 reviews on Trustburn with an average rating of 3.9 out of 5 stars. The reviews range from 3 to 5 stars, with the most recent review dated October 17, 2023.

The website states that Smartway Auto Inc. looks for ways to approve customers for the program rather than turning them down, emphasizing a belief in second chances for those with less than perfect credit.