Finance Frequently Asked Questions

Buy Here Pay Here financing is a type of auto financing where the dealership acts as the lender. You can buy a car and make payments directly to the dealership, with our many financing options.

Already Approved?

If you have secured your full approval through our online application system you will simply bring your Photo ID and your initial investment funds to your vehicle selection appointment.

Pre-approved or Yet to Apply?

Bring the following items with you to the dealership in order to Fast-Track your vehicle selection.

• Proof of income (such as pay stubs, social security documentation, or pension documentation)
• Proof of residence (a recent utility bill, lease, or mortgage)
• Photo Identification (Drivers License, State/Government issued ID, Passport)

Our payment options are easy. You now have the convenience to make your payments online or in person. Just click on the “Make a Payment” button on the top of the page or click here to make a payment now.

Yes, in most cases, you can drive your vehicle home the same day.

Yes, we stand behind all of our vehicles with a 3-month/3,000 mile Limited Warranty for your peace of mind.

Yes, we offer financing to all applicants who submit a completed credit application with required documentation, regardless of their credit history. Our financing decisions are made in-house.

The required down payment amount depends on several factors such as your creditworthiness, income level and stability, residence stability, and the vehicle you wish to purchase. Offering a larger down payment may increase the number of vehicles available for you to choose from.

Yes, we report your payment history to Transunion on a monthly basis. This allows your on-time payments to contribute positively towards your credit history and score.

Yes, as part of our evaluation process to determine a reasonable financing amount and payment and down payment terms, we do pull your consumer credit file from one or more of the major credit bureaus.

The specific requirements may vary, but typically you’ll need a valid ID, proof of income, proof of residency, and a down payment. Credit history is not the primary factor considered by us.

By making timely payments on your Buy Here Pay Here loan, you can establish a positive payment history. Consistently meeting your financial obligations can contribute to improving your credit score over time.

Yes, there are several advantages to choosing Buy Here Pay Here financing over traditional lenders. Some of the benefits include:

• Easier approval process for individuals with bad credit or no credit history.
• Flexible financing options with in-house financing directly through the dealership.
• Convenient one-stop shopping experience for both car selection and financing.
• Potential for improving credit score by making timely payments on the Buy Here Pay Here loan.
• Personalized customer service and understanding of unique credit situations.