Financing disclosure
Please read this before using the financing information on this website.
1. This website is a resource, not a lender
kirkepps.com is the personal website of Kirk Epps, General Manager of Gerald Jones Mazda, Gerald Jones Volkswagen and Audi Augusta. Kirk Epps and this website are not a bank, credit union, lender, loan broker, loan arranger, credit repair organization, credit counselor or financial advisor. We do not make loans, extend or offer credit, accept credit applications, make credit decisions, or set rates or terms. Nothing on this website is an offer of credit, a commitment to lend, or a pre-approval.
2. Not financial, legal, tax or credit advice
Everything on this website, including the financing pages, the payment estimator and answers from the AI chat assistant, is general educational information only. It is not financial, legal, tax, credit or investment advice, and it does not take your personal situation into account. Before making financial decisions, consider speaking with a qualified, independent professional.
3. Who provides financing
Any vehicle financing or leasing is arranged through the dealership you choose (Gerald Jones Mazda, Gerald Jones Volkswagen or Audi Augusta) with independent third-party lenders and lessors, which may include manufacturer finance companies, banks and credit unions. The lender or lessor alone decides whether to approve credit and sets the annual percentage rate (APR), term, down payment and all other conditions, based on its own criteria, which may include credit history, income, existing debt, down payment, the vehicle and the length of the contract.
4. No guarantee of approval or terms
All financing and leasing is subject to credit approval by the lender or lessor. Approval, rates and terms are never guaranteed and may vary by applicant, vehicle and lender. Phrases on this site such as "every credit situation welcome," "we don't judge" and "rebuilding credit" mean we will treat you with respect and help you explore options. They do not mean any applicant will be approved or will receive any particular terms. Manufacturer and lender programs change, have eligibility requirements and may end at any time.
5. Our forms and chat do not check your credit
The request forms and the chat assistant on this website do not check your credit and are not credit applications. Please do not send your Social Security number, date of birth, driver's license number, bank or card numbers, or other sensitive financial information through this website. Information you do send is used by Kirk Epps and the dealership to contact you about your request.
6. Credit applications happen on dealership websites
Links on this site take you to each dealership's own website. Those websites, and the third-party application platforms they use, have their own terms and privacy policies, which govern any application you submit there. Whether a soft or hard credit inquiry is made, and when, is determined by the dealership and lender; read their disclosures before you apply. Gerald Jones Mazda states that its online pre-approval tool uses a soft credit pull; confirm the details with the store. Any estimate from a pre-approval tool is not a final offer.
7. Estimates are estimates
The payment estimator and any figures discussed on this website are illustrations only, before taxes, title, registration, dealer fees and other charges. They are not offers or quotes. Your actual APR, payment and terms will be shown in your written contract, which controls.
8. Dealer compensation and your right to shop
As is common in the industry, a dealership may receive compensation from a lender for arranging financing, and the APR offered through a dealership may include an amount that compensates the dealership. The APR and terms may be negotiable. You are always free to obtain financing from a bank, credit union or other lender of your choice.
9. Optional products are optional
Service contracts, GAP coverage, maintenance plans, protection packages and similar products are optional. You are not required to buy any of them to obtain financing or to buy a vehicle. Ask for the price of each one separately.
10. Equal credit opportunity
The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. We aim to treat every customer with the same respect, whatever their credit history.
11. About credit building
Statements on this site about building or rebuilding credit are general information. We cannot and do not promise that buying or financing a vehicle will improve your credit score. Any effect depends on whether your lender reports to the credit bureaus, your payment history and many other factors outside our control. We do not offer credit repair services.
12. Third-party links and resources
Links to dealership, manufacturer, lender and government websites are provided for convenience. We do not control and are not responsible for the content, accuracy, security or privacy practices of other websites.
13. Your credit reports and where to get help
You can get free copies of your credit reports from the three nationwide credit bureaus at AnnualCreditReport.com, the official site. For questions about a specific financing offer, contact the dealership or lender directly. You can submit a complaint about a financial product to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, and report fraud to the Federal Trade Commission at ReportFraud.ftc.gov.
14. No warranty; changes
Information on this website is provided "as is" and may contain errors or be out of date. To the fullest extent permitted by law, Kirk Epps and the dealerships disclaim liability for decisions made based on this website's content. This disclosure may be updated at any time; the date below shows the latest version. By using the financing information on this website, you acknowledge this disclosure.
Last updated October 15, 2026.