―
DO YOU MEET THE FOLLOWING CRITERIA?

  • Do you make $1900/month before taxes (about $11/hour or $435/week)?
  • Is that income verifiable? (i.e. paystub, w2, or bank statement)
  • Have a proof of your residential address (i.e. utility bill, phone bill, etc?)

THEN RAY'S MOTOR SALES WANTs TO APPROVE YOU TODAY!

Click or tap the button below to get started

Get Approved

Ray’s Motor Sales is a Winter Haven Buy Here Pay Here Used Car Dealership located in Lake Wales, FL. Take the short drive to Lake Wales for a great selection of dependable used cars, with financing terms that make sense for you. If you’re looking for a bad credit auto loan or good credit auto loan, our Winter Haven Buy Here Pay Here Used Car Dealership can help. We’ve been helping customers since 1964, and we want to help you, too!

 If you’re looking for bad credit auto loans, our Winter Haven Buy Here Pay Here Used Car Dealership can help you find a vehicle you actually want to drive, instead of what the dealer wants you to have. Call or text us at 863-676-6321 today.

―

Winter Haven'S PREMIER BUY HERE PAY HERE USED CAR DEALERSHIP

Ray's Motor Sales is just a short drive from Winter Haven, but well worth it! We are a family owned and operated dealership founded on May 15, 1964, serving Polk County's vehicle financing needs for 55+ years. We offer on-the-spot financing to good people with bad credit. If you are looking for a pre-owned used Chevrolet, Ford, Hyundai, Honda, Kia, Nissan or Toyota in the Winter Haven area, then Ray's Motor Sales can help. Click the button below to get pre-qualified today!

GET PRE-QUALIFIED

―
DON'T JUST TAKE OUR WORD FOR IT

I had an amazing experience buying a car from Ray’s. They made everything very easy and simple to understand. Matt explained everything one by one. I highly recommend you purchase your next car with Ray’s ! Great car, runs absolutely perfect! 10/10 for sure !
Leon Davinci
Over a month ago
Everybody knows that buying a car can be tedious and very laborious. But Rick, Matt and their very helpful associate made it quite pleasant. We were out of there within an hour and on our way. Before you go to Drivetime, okarz, or any other dealer you owe it to yourself to talk to Rick, Matt at Ray's Motor Sales you will drive away with a smile and happy you went there. I now have bought 2 cars from Rays Motors. I would come here first before going anyplace else.
Lou Bernardo III
Over a month ago
I had an amazing experience buying a car from Ray’s. They made everything very easy and simple to understand. Matt explained everything one by one. I highly recommend you purchase your next car with Ray’s!!
ryan cassel
Over a month ago
Had a great experience at Ray’s today while car shopping, they were very thorough and helped during the buying process, will most likely buy from them again.
Sarah Dean
Over a month ago
Just recently bought my second car from these guys. With my family all together this will make the sixth car we've purchased.. These are the best quality used cars you can find. Each car is well maintained and they would not sell it to you if they don't feel it's fit to be on the road. I would definitely recommend to anyone in search of a good quality car.
Denise Forbes-Cobb
Over a month ago
see all reviews

BUY WITH CONFIDENCE

A car is a big purchase. You can rest easy buying from Ray’s Motor Sales knowing that your purchase is backed by a 3 Month/3,000 Mile Limited Warranty.

BUDGET FRIENDLY FINANCING

We know you work hard for your money. That’s why we offer low down payments and monthly payments. We are almost always more affordable than the guys you see on TV!

INSPECTED & SERVICED

Every vehicle we purchase goes through a rigorous and thorough inspection. Further, each vehicle is personally test drive by the owner to ensure proper functioning.

BUY HERE, PAY ANYWHERE

We know that life is busy, and it can be hard to stop by the dealership to make your payments. That’s why we offer online and recurring payments for your convenience. It’s available to you 24/7!

A SHORT DRIVE FROM ANYWHERE

Ray’s Motor Sales is just a quick drive from Winter Haven. Not familiar with our location? No problem. Just click the button below to get turn-by-turn directions to our Winter Haven Buy Here Pay Here Used Car Dealership.

We're located at 201 S. First Street, Lake Wales, FL 33853

Quick Contact