Financing at Vern Morgan's Auto Sales

Vern Morgan's Auto Sales does not offer "buy-here, pay-here" or high risk financing.

Our vehicles all apply to new and late-model financing standards, with some classic car exceptions.

We are a direct lender of Chemung Canal Trust Company and would be glad to get you the best rate guaranteed on your next purchase. We have chosen to provide our customers with their BEST available interest rates, with ZERO "in-house" APR Mark-Up's! Call us today to set up lending and begin credit application. LOW interest rates and EXCELLENT loan-term's now available regardless of vehicle age and credit score for specific finance amounts!

Please inquire to set-up in house CCTC Financing!

Where to find us:

Vern Morgan's Auto Sales
10 Ithaca St

Horseheads, NY 14845

Just outside of Historic

Hanover Square!


Phone:  (607) 739-8479

Fax:      (607) 739-8479

Text:     (607) 742-7244


Due to inclement weather we would always recommend calling before arriving from out of town, hours are subject to change.


Business hours:

Monday:          8:30am - 5:00pm

Tuesday:         8:30am - 5:00pm

Wednesday:    8:30am - 5:00pm

Thursday:        8:30am - 5:00pm

Friday:            8:30am - 5:00pm

Saturday:        9:00am - 1:00pm

Sunday:          Closed

Other by Appointment

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Vern Morgan's Auto Sales & VM Utility