Unsure what buy here pay here financing means? No worries, we can help with that! Here at Ray's Motor Sales, we offer in-house financing, and that's a huge benefit the separates us from other dealerships. Most dealerships require that you finance through a bank, credit union, or 3rd party finance company. This method usually requires waiting for hours to hear back from the financing source to see if you're approved. At Ray's Motor Sales, we are the bank, and we can offer on-the-spot financing. In most cases, we'll have you driving away in your new car in an hour or less!
What are the Requirements for In-House financing?
To obtain in-house financing, we consider 4 factors: job stability, income, residence stability, and credit. While we do check credit, we are far more interested in the stability of employment, residency, and income.