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Important Privacy Information

Privacy Statement

Introduction
As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.
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Finance Application at The Bear Lot

When you arrive at The Bear Lot from your home in Columbia Heights or Minneapolis, you are filled with anticipation. There are so many exceptional cars, trucks, and SUVs to explore. Then there are the featured deals and choices below 10k for anyone shopping on a tight budget. Rest assured, no matter what your next dream vehicle might be, the friendly and knowledgeable sales team at The Bear Lot will help you make a great selection. But before you arrive, you can make one choice that will free up your time and provide you with some valuable information about your budget. Just complete the online finance application so you can focus on finding your next vehicle when you arrive at our Mounds View dealership.

Eliminate The Paperwork!

No one wants to devote hours to sitting in a dealership finance office, not even with the friendly and fun folks at The Bear Lot. But, don't worry, they understand that you would rather be out focusing your attention on all the exciting makes and models of quality used vehicles awaiting your test drive. So take a few minutes at home or work to complete our online finance application before arriving at our 2375 Mounds View Blvd. location. The information you provide will allow our finance experts to get to work locating the best rate and term options for your vehicle loan while you shop and evaluate your options.

Gathering The Information You Need

Knowing your budget for your vehicle purchase will help ensure that you carefully consider all the great options at The Bear Lot. In fact, once you gather more data, you could be surprised to learn that you can afford a nicer, newer, and more exciting car, truck, or SUV than you initially expected. And it all begins with submitting your completed finance application to our pros in the finance department. But wait, we have a few more items to help you establish your budget.

If you currently own a vehicle that you will trade in, check out our website's KBB trade-in valuation tool. This feature asks a few simple questions about your current vehicle to provide you with all the details about its potential trade-in value. The equity in your current car could mean you have a sizable down payment for your new upgrade at The Bear Lot.

Time To Crunch Some Numbers

Most vehicle purchases come down to one number, your monthly payment. So The Bear Lot provides a payment calculator to help narrow down that essential information. You might not even know which great selection you want to purchase, but you can start with just an estimate of the price that you are willing to spend. Then use that handy information from the trade-in valuation tool or the amount of your cash down payment to put the calculator to work. Finally, you can select various terms and interest rates to have a very clear idea of your monthly payments.

With all of the numbers and accounting behind you, you can relax and enjoy every minute of your tour of The Bear Lot to locate your dream new vehicle.

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