Cars By Andy is a small business which focus is to sell repairable vehicles at an affordable price. It is owned and solely operated by Andrew DeCock (Andy). It is like a family business as my dad, owner of Doug's Auto in Lamberton, MN, has been doing repairables for over 30 ye…
Cars By Andy works with financing partners to help buyers secure loans for cars and trucks. Contact Cars By Andy to ask about current financing promotions, available lenders, and whether pre-qualification is available. You can also use Searchshop's built-in payment estimator on any listing to model monthly payments before reaching out.
Cars By Andy is located at 14208 U.s. 12, Cokato, Minnesota, 55321. They serve buyers in Cokato, Minnesota and surrounding areas.
Cars By Andy specializes in cars and trucks. Browse their full inventory on Searchshop to see all available listings with year, make, model, photos, and pricing.
You can contact Cars By Andy through the contact form or reveal their phone number on their Searchshop profile page. Include the year, make, and model you are interested in for a faster response.
Many auto dealers accept trade-ins as part of a purchase. Contact Cars By Andy directly to ask about their trade-in program, how they value trade-in units, and how a trade-in would apply toward your next auto purchase.
Shopping for a vehicle at Cars By Andy in Cokato, Minnesota? Follow these steps to buy with confidence.
Pull the vehicle history report
Run a CARFAX or AutoCheck report using the VIN before you visit. Look for accident history, odometer rollbacks, and title brands like salvage or flood. Ask Cars By Andy if a report is available for any listing.
Take a thorough test drive
Drive on both city streets and the highway. Accelerate hard. Brake firmly. Listen for any clunks, vibrations, or warning lights. Test the AC, heat, and all electronics during the drive.
Inspect for hidden wear
Check for uneven panel gaps, mismatched paint, or overspray — signs of past bodywork. Push on each corner of the car to test the shocks. Look underneath for frame damage, fluid leaks, or rust.
Get a pre-purchase inspection
Have a trusted mechanic inspect any used vehicle before you buy. A $100–$150 PPI can uncover issues that save you thousands. Ask Cars By Andy if a third-party inspection is permitted.
Negotiate the out-the-door price
Focus on the total out-the-door price, not the monthly payment. Understand every fee on the sales contract before signing. Dealer add-ons like paint protection and VIN etching are negotiable at Cars By Andy.
Auto financing is competitive. A little preparation before visiting Cars By Andy in Cokato, Minnesota puts you in a stronger position.
Typical Loan Terms
48 to 72 months is most common. Shorter terms cost less in total interest.
Down Payment
10% to 20% down reduces your monthly payment and improves your loan terms.
Pro Tip
Get pre-approved by your bank before visiting Cars By Andy — it gives you a rate to compare against dealer financing.
Get pre-approved by your bank or credit union before visiting Cars By Andy. It takes 15 minutes and gives you a rate benchmark. Dealer financing can sometimes beat bank rates — but only if you have a number to compare against.
Cars By Andy is a auto dealer in Cokato, Minnesota listed on Searchshop. Browse their full cars and trucks inventory, view detailed photos, compare prices, and get in contact directly from this page. Searchshop aggregates auto dealer listings across the country so you can compare stock and pricing in one place before you visit or call.
Buyers in and around Cokato, Minnesota can browse the full inventory at Cars By Andy, read verified buyer reviews, and reach out through the contact form on this page. Each listing at Cars By Andy shows year, make, model, condition, mileage or hours, and current asking price. Use the monthly payment estimator on any listing to model financing before stepping on the lot.
The inventory at Cars By Andy is updated regularly on Searchshop. Each listing shows high-resolution photos alongside the year, make, model, trim, and price. Mileage, condition notes, and available options are listed on each vehicle detail page. A built-in loan calculator lets you estimate your monthly payment based on purchase price, down payment, and loan term before you call or visit. Save listings you like to compare them side by side. If a unit you are interested in is no longer showing, contact Cars By Andy directly — dealers often have incoming trades and new arrivals not yet listed.
Buying from a local auto dealer in Minnesota has practical advantages. Local dealers handle state title, registration, and sales tax in-house. Warranty and service work are easier to coordinate nearby. Local dealers carry inventory suited to the region — autos suited to local roads and conditions. Visiting in person lets you inspect and test ride before you commit. Use the Searchshop dealer directory to compare Minnesota auto dealers by city, brand, or inventory.
Use the contact form on this page to ask about a specific listing, request more photos, or schedule a visit. Include the year, make, and model for a faster response. Ask about trade-in valuations, financing promotions, and upcoming inventory. Cars By Andy is in the Searchshop auto dealer directory serving Cokato, Minnesota and surrounding areas. Browse other auto dealers on Searchshop to compare inventory and pricing near you.
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At a Glance
Cars By Andy is a small business which focus is to sell repairable vehicles at an affordable price. It is owned and solely operated by Andrew DeCock (Andy). It is like a family business as my dad, owner of Doug's Auto in Lamberton, MN, has been doing repairables for over 30 years. I am proud to have been able to learn and have the chance to follow what he has started, only here in Cokato, MN.
Great choices, honest advice and great value! My brothers had purchased from Andy in the past and now my family started to as my kids get their licenses. You will be pleased. Edit since my first post over 5 years ago. I've now purchased 7 cars (1 truck) from Andy and every time it has been a pleasant experience. Why 7 you may ask? I have 5 kids and now my step kids have started purchasing from Andy too.
Just purchased my 4th vehicle from Cars by Andy, (which doesn't include Phillip). Andy is super helpful and honest! These are salvage vehicles, but he reveals everything he knows about your car before you purchase. Good deals, too! A person can find something with low miles, for a decent price, without the hassle of a sales pitch.
We highly recommend Andy’s shop. He is very professional and gets the job done. We will be back!
Andy has been a amazing guy. He has helped out a lot from taking my father car. When it's been rough he has been very understanding. Andy will not stear anyone wrong.
I recently bought a used Jeep Liberty Renegade at his lot. I felt that he was honest and forthcoming about what he knew about it. I received a discount for doing a cash purchase. He even helped me sell my old car and charged what I felt was at an extremely fair cost. Great guy and I would definitely buy another vehicle from him!
