• MON - FRI 8:30A - 5:30P, SAT 9A - 12P
  • 201 S. First Street, Lake Wales, FL
  • 863-676-6321


Learn more about financing at our Buy Here Pay Here Dealership by clicking or tapping the questions below. We look forward to helping you find the car you want!

Are You Able to Finance People With Bad Credit?

Yes we are! We understand that bad things happen. We don’t think that mistakes made in the past should keep you from driving a quality, dependable vehicle today. We have been helping customers obtain financing at our Buy Here Pay Here dealership for over 50+ years, and we can help you, too!

Will I Need to Complete 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 complete a credit application online by clicking here.

What Do I Need to Bring to the Dealership?

There are a few items we need for you to bring in order to purchase a vehicle. Having them with you expedites the car buying process, and saves you a trip of running home to get them. We need you to bring:

  1. Pay Stubs/Income Verification – We need your past 2 pay stubs, or an income verification statement (for social security, retirement, etc).
  2. Proof of Residence – Utility Bill, Lease, or Mortgage Statement.
  3. Phone Bill – Copy of Cell Phone or Home Phone Bill

Do Your Cars Come With a Warranty?

We know that buying a car is one of the biggest financial transactions many people make. You can rest easy, knowing that all cars we sell come with a 3 Month/3,000 Mile Limited Warranty (whichever comes first). For complete warranty details, please contact us at 863-676-6321 or use the text/chat feature below.

How Do I Make My Car Payments?

We know your life is busy, so we offer many options to make your payment as easy as possible. You can pay the following ways:

  1. Pay In Person – You can pay at our office with cash, check, money order, or debit card.
  2. Pay Online – You can pay on our website by clicking here.
  3. Pay Over the Phone – You can phone in your payment with a debit card by calling 863-676-6321.
  4. ACH Drafts – Our most popular method, we can automatically debit your checking or savings account on your due date. This puts your payment on auto-pilot.
  5. Online Bill Pay – You can set us up as a payee on your banks online bill pay. Please mail checks to: Ray’s Motor Sales, 201 S. First Street, Lake Wales, FL 33853.

With our multiple payment options, you can “Buy Here, Pay Anywhere!”

What If I Still Have Questions?

No problem! We want to help you answer any question you may have. You can call us at 863-676-6321 or text us at 863-777-4373 use the chat/texting feature below and we will be happy to answer all questions. We want to help!