Buying a used cargo van isn’t easy—especially when your credit score isn’t perfect, your budget is tight, and you want to avoid dealerships at all costs.
That’s exactly the situation Ray found himself in.
Ray was on a mission: find a short wheelbase Ford Transit cargo van with a medium roof, white in color, preferably 2020 or newer, with low mileage (ideally under 100,000 miles), and most importantly—keep it under $20,000.
It sounds like a tall order, right? Add in a credit score of 603, no trade-in, no down payment, and the desire to finance it all with monthly payments under $400, and this isn’t just a tall order—it’s a needle in a haystack.
But this is exactly what Car Concierge Pro does best.
Ray reached out to Car Concierge Pro (CCP) with a simple but challenging request:
He needed a work vehicle. Something affordable. Reliable. Accessible. And he wanted it fast.
Here’s what Ray shared in his initial call with Neel Mehta, Chief Negotiator and Founder of CCP:
- Vehicle Type: Ford Transit Cargo Van
- Wheelbase: Short (130 inches)
- Roof: Medium height
- Color: White preferred
- Year: 2020 or newer
- Mileage: Under 100,000 miles (ideal: 60K–80K)
- Budget: $20,000 or less
- Payment Structure: No down payment; monthly payment ≤ $400
- Credit Score: 603
- No trade-in available
- Search radius: Within 70–100 miles of ZIP code 90027 (Los Angeles, CA)
Most people would be overwhelmed by this situation. But at Car Concierge Pro, it’s just another puzzle to solve.
Watch Ray’s Full Journey on YouTube
Want to see how this all came together?
You’ll hear directly from Ray and Neel, see how the spreadsheets and inspection process work, and learn how CCP brings this strategy to life for hundreds of clients across the US and Canada.
The Strategy: How CCP Tackled Ray’s Van Hunt
Neel started by reassuring Ray:
“We do this every day. You’re not just buying a van—we’re helping you buy peace of mind.”
Step 1: Deep Listening and Documentation
Before anything else, CCP listens. Ray’s conversation with Neel wasn’t rushed. Every detail—year, price point, financing concern—was logged in CCP’s proprietary system.
All client preferences were documented into a shared Google Sheet that Ray could access at any time. This real-time inventory would show options available within 50, 100, and 200 miles of his ZIP code.
This wasn’t just about sourcing a van—it was about curating the right van, backed by real data and verified quality.
Step 2: Independent Market Sourcing (Zero Dealer Bias)
Car Concierge Pro operates differently than traditional auto brokers or dealership “concierges.”
- No commission from dealerships
- No hidden fees
- No pressure sales tactics
Instead, CCP went out and combed through dozens of listings across multiple platforms and dealership inventories to find vans that matched Ray’s exact specs.
Neel and his team negotiated directly with dealers, refusing to engage with any that used high-pressure tactics or refused to disclose detailed vehicle history.
Step 3: Carfax + Inspection Verification
Ray was concerned that he wouldn’t be able to inspect the van himself, especially with some options being up to 100 miles away. CCP offered a two-pronged approach:
- Carfax and Dealer Inspection Reports
Every vehicle considered for Ray underwent a background check. If a dealer refused to provide a free Carfax or in-house inspection report, they were eliminated. - Third-Party Mechanical Inspection
Once the list was narrowed down to 2–3 top options, CCP would arrange mechanical inspections through vetted third-party mobile mechanics.
The cost? About $150–$200 per vehicle, paid directly to the mechanic.
CCP doesn’t mark it up. They just facilitate it, saving clients the headache of finding a reputable technician.
Step 4: Custom Financing Strategy — Even with a 603 Credit Score
Ray knew his 603 credit score wasn’t ideal. In fact, he considered delaying the purchase to improve his score.
But Neel offered a better idea:
“Let’s get you into the van now, and once your credit improves in 3–6 months, we’ll help you refinance for a better rate.”
This approach allowed Ray to start working immediately—using the van for his business—and build credit simultaneously.
As he made timely payments, his score would increase, unlocking better terms in the near future.
That’s the kind of long-term thinking Car Concierge Pro brings to the table.
Zero-Down, Low-Monthly Payment: How Did CCP Pull It Off?
Working within Ray’s constraints wasn’t easy. A zero-down loan on a $20K used commercial van with subprime credit is a niche product, and many dealerships would simply deny it or inflate the APR.
But Neel and his team leveraged their national lender network and built a lender profile based on Ray’s:
- Solid employment history
- Intent to build credit
- High vehicle need (for work)
- Strong commitment to on-time payment
This positioning helped negotiate a monthly payment near $400, with a structured refinance plan in the pipeline.
Transparency and Control: How CCP Keeps Clients Informed
Throughout the process, Ray had complete visibility into:
- All vehicle options being reviewed
- Price vs mileage comparisons
- Inspection reports and Carfax history
- Negotiated pricing summaries
- Updates from CCP team on a daily or alternate day basis
“The beauty of working with CCP,” Ray said, “is that I never felt out of the loop—but I also never had to deal with annoying dealership phone calls.”
That’s exactly the balance Car Concierge Pro aims for.
Why Ray Chose CCP — And Why You Should Too
Ray had options. He could’ve done this solo. He could’ve gone from dealership to dealership, filled out multiple credit applications, and dealt with vague pricing and vanishing “offers.”
But instead, he chose CCP.
Here’s why:
- One point of contact from start to finish
- Complete dealer shielding (no sales pressure)
- No commission bias—CCP works only for the buyer
- Daily updates + shared document tracking
- Nationwide sourcing power
- Flexible financing strategies, even for low credit
- Third-party inspections organized
- Post-purchase support (refinancing, warranty help, etc.)
Need a Cargo Van Like Ray? Start Here.
Ray’s story isn’t unique. Across the country, tradespeople, entrepreneurs, delivery drivers, and small business owners are struggling to find affordable, reliable vans without being taken advantage of by dealerships.
If you want:
- A cargo van under $20K
- A low-monthly payment, even with low credit
- No down payment
- No sales pressure
- No nonsense
Then Car Concierge Pro is here to help.
and Canada 
