I & M AUTO SALES is an independent car dealership thriving to alter the IN-HOUSE FINANCING program by making it extremely easy to approve your car or truck loan. Our minimum downpayment is $1,000. and Our monthly payments range from $275. to $450. from 2 to 3 years depending on your downpayment and the finance amount. We have been in business for more than 15 years and will finance everybody that come through Our doors with a downpayment, proof of income and proof of residence.