Financing FAQs

Learn more about financing at our Buy Here Pay Here Dealership with the questions below. We look forward to helping you find your next vehicle!

ARE YOU ABLE TO FINANCE CUSTOMERS WITH BAD CREDIT?

Yes, we are! We know that sometimes bad things happen - that doesn't mean that you shouldn't be able to drive a quality, dependable vehicle regardless. We have helped customers obtain financing at our Buy Here Pay Here Dealership for over 50 years, and we can help you, too! Contact us today to inquire about our financing.

WILL I NEED TO FILL OUT A CREDIT APPLICATION?

Yes - even though your credit report is only a small portion of our approval process, we are required to have a credit application on file. You can fill out our online credit application easily by clicking the button below.

WHAT DO I NEED TO BRING TO THE DEALERSHIP?

There are a few things that expedite the car buying process. We need you to bring: 
      1. Income Verification
      2. Proof of Residence 
      3. Proof of Employment

DO YOUR CARS COME WITH A WARRANTY?

We know that the vehicle-buying process is one of the biggest financial transitions people make nowadays. You can rest easy knowing that every vehicle we sell comes with an industry-leadng 3 month/3,000 Mile Limited Warranty. For complete warranty details, please call us at 863-676-6321 or check out our warranty information below.

HOW DO I MAKE MY CAR PAYMENTS?

We know your life is busy - that's why we offer easy, convenient ways to make your payment hassle-free. With our multiple payment options, you can "Buy Here, Pay Anywhere!"

You can pay the following ways:
     1. Automatic Recurring Payments (Our most popular method!)
     2. In person - come visit us at the dealership.
     3. Online payments4. Over the phone payments
     5. ACH Drafts
     6. Online Bill Pay

WHAT IF I STILL HAVE QUESTIONS?

No problem! We want to answer any questions you have. You can call or text us at 863-676-6321 and we will be happy to answer all your questions. We are here to help!

Location

Ray's Motor Sales
201 S. First Street
Lake Wales, FL 33853
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