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DO YOU MEET THE FOLLOWING CRITERIA?

  • Do you bring home at least $2,000/month after taxes (net income)?
  • 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.

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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

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DON'T JUST TAKE OUR WORD FOR IT

I have been buying vehicles from Ray's for 30+ years and never been disappointed. Very good customer service and really good people.
Henry Mcelroy
Over a year ago
My car was stolen and totaled, and i needed a GOOD car from specifically a buy here pay here, and i needed it that day! I only had 2k to work with for a down payment, bad credit and a serving job. If you're a server you feel my pain with proving income places sometimes, but they got me in the same exact car i had, just one year older and a few more miles. And the more i drive the car the more i love it. He offers a free 3 month warranty, which so many BHPH places dont offer! And he has a mechani... More
Amber Higgins
Over a year ago
Wonderful wonderful wonderful people, great business. Jose and Matt were really helpful and persistent to make the deal work with my income. I love my car and I would definitely recommend anyone here who is just starting off and need a vehicle. This is the place for you. It’s not like a dealership. It was a very quick process.
Tiara Denise
Over a year ago
I spoke with Matt on a Monday, I called and asked about 2 particular vehicles and then inquired about another one, I met him at the lot the same day and drove off in my new car. Best experience I've had at dealership. Thank you so much Matt
Qiara Valentine
Over a year ago
Just purchased a vehicle today. The process was super easy. The staff was super friendly and my sales person was awesome. I would definitely recommend to buy a car from without breaking thre bank.
kimbery Moore
Over a year ago
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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

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