Financing with Ray's Motor Sales

We Have a Solution for YOU.
At Ray’s Motor Sales, we have been helping credit challenged customers obtain vehicle financing for over 50 years. A late model, low mileage vehicle is possible for you, too! Often times, the terms of our car loans are much more advantageous to you, the customer, than the guys you see on TV. Give us a chance to earn your business today!
Our Interest Rates are COMPETITIVE
You’ll find  our interest rates are as competitive as anywhere. We know that “buy here pay here” used car loans are known for sky high interest rates. But not at Ray’s Motor Sales. Shop our interest rates to other dealers and see our savings. You’ll be happy you did!
Our Application is FAST & EASY
We value your time, that’s why we made our application process is fast and easy! You can complete our credit application in as little as 2 minutes. Easy click/tap buttons allow you to quickly complete the application with minimal typing. You will get a pre-qualification response within seconds of submitting your application.
Financing Terms Tailored to YOU
Many buy here pay here dealerships have set down payments and monthly payments per vehicle. Not at Ray’s Motor Sales. We use a proprietary scoring model that takes into accounts stability factors such as employment, income, residency and other factors to you get the best terms!

What Should I Bring to the Dealership?

Income Verification

Most recent 2 paystubs, W2, benefit statement, or other income statements.

Proof of Residency

Phone bill, and one of a rental/lease agreement, utility bill, bank statement, etc.

Employment Verification

Verification on Company Letterhead, or a number we can call to verbally verify.
Our Finance AREA
  • Lake Wales
  • Auburndale
  • Babson Park
  • Bartow
  • Davenport
  • Four Corners
  • Frostproof
  • Haines City
  • Lakeland
  • Mulberry
  • Poinciana
  • Winter Haven
  • All of Polk County
  • Northwest Osceola County
  • Northern Highlands County
  • Northern Hardee County
rays finance area
Have any questions? Check our Financing FAQ’s or call or text us at 863-676-6321.
Ready to Get Pre-qualified? Complete our short application today!