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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.

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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

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
Less than 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
Bought a 2012 Hyundai from Ray’s and the process was amazing for buying my first car. Matt was great and the car is amazing. Definitely recommend
PrincessSheeo
Over a month ago
My Experience at Ray's Auto Sales was Wonderful , everybody is nice and clean building , Car is very clean. Would recommend them to anyone.
Kierhonda Williams
Over a month ago
This is our 6th vehicle that my husband and I have purchased from Ray's. I will not buy a used car from anywhere else. I trust Rick and Matt they are very upfront and honest with all the vehicles on the lot. Thank you again.
karen quesinberry
Over a month 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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