FAQ

What kind of financing do you have?

A. We specialize in Buy Here Pay Here (In House financing), which allows us to work with all credit types! We also work with many credit unions and financial institutions to get you the best approval. Good, bad, or no credit, we can find a way to get you approved.

What is Buy Here Pay Here?

A. Buy here pay here is a term used for financing directly through our dealership. Instead of us having to depend on banks or outside lenders to approve you based on your credit score, we can lend you the money directly so you can get your vehicle! Many know buy here pay here by other names, which include; in house financing, BHPH, buy here pay here near me, no credit needed car dealers, etc.

You can read more about What is Buy Here Pay Here by Clicking Here.

What does your Drive and Thrive Program through your Buy Here Pay Here provide?

A. It gives you all of the benefits of traditional buy here pay here financing and takes it way further! The program goes beyond getting you a vehicle and instead focuses on helping you build your credit so that you can stop struggling and build a bright future.
We do this by providing you:

• Newer, lower-mileage, more reliable vehicles
• Affordable down payments
• Comfortable payments customized to help you succeed
• Free warranties
• Dedicated service department
• Credit reporting
• Dedicated Account Success Specialist
• High accountability approach
• Free courses on Credit and Money Management
• Free step-by-step guides to building credit and improving your financial situation
• Plus…more!

What do I need to get approved?

A. The basic things you’ll need:

• proof of income
• proof of residence
• bank statements (if you have an active bank account)
• your valid license, ID, or matricula.
  
  Other than that, just a matter of filling out the app and setting up your FREE consultation so we can find a way to get you approved!

What kind of income types do you work with?

A. Our biggest goal is to make sure we get you a payment you’ll comfortably afford. Because of that, all incomes that can provide proof are considered, with some exceptions.

SSI or Fixed Income:
Because it tends to be limited and our goal is to get you a comfortable payment, it will likely mean you will need a higher down payment.
Self-employment:
As long as we can verify your earnings. However, we do not provide auto loans for rideshare drivers (uber, door-dash, etc.) or anyone intending to use the vehicle for business use.
Unemployment:
Without employment or steady income, we would be unable to get you approved for a vehicle.

What kind of proofs do you need?

• Proof of Income – Check stubs, award letters, W2s, official employer’s statement. (most recent or must have date within the last 30 days)
• Proof of Residence – Utility bill in your name, cable bill, internet bill, any piece of mail with your name, date, and address. (must have date within the past 30 days)
• Bank Statements – 3 most recent statements of both checking and savings accounts.
• Valid License, ID, or Matricula – California photo ID, License, or Matricula. Other government official photo IDs are accepted as well, like passports, military cards, permanent resident cards, etc.

Do you work with previous repossessions?

A. Yes, we do! Sometimes life can get tough. We care more about where your future goes, not your past.

Do you work with ITINs?

A. Absolutely! Many of our Members benefit from our Buy Here Pay Here – Drive and Thrive Program to help them establish and build credit with an ITIN.

How do you help Build credit with Your Buy Here Pay Here – Drive and Thrive Program?

A. There are three ways:

1. Reporting your timely payments to credit. This ensures that while you’re paying off your vehicle, the credit bureau is being notified and everyone else can see it too. Nearly all other buy here pay here near me keep this information to themselves and leave you stuck in an endless loop where you have to keep going back to them.

2. Providing a high-accountability, high-success approach. We make sure to inform you ahead of time of the different things that impact your credit and how you can take back control. We frequently remind you of every payment and maintain constant communication to always keep you focused on building your credit.

3. Giving you access to free courses on credit and money management, plus step-by-step guides that you can instantly apply to your life and start seeing massive results from.

Can you work with first time car buyers?

A. Yes, we can! Our Buy Here Pay Here – Drive and Thrive Program is made specifically to work with anyone who is facing credit challenges. This includes Members who have not established any credit or first-time car buyers.

Do You Accept Trade-Ins?

A. You bet we do! As long as you have documentation to prove the vehicle is yours or was officially transferred to you, we can take it off your hands. Bring your trade-in to us, let us appraise it and use it to get you easily approved for your next vehicle with us!

Why do most of the prices say $500, $1000, or $1500?

A. Our down payments start as low as $500! Those “prices” refer to our average down payment for that type of vehicle for residents of the Fresno area. Our buy here pay here near me financing is structured to get you approved with the down payment necessary to get you a comfortable payment that’ll give you the highest chance of succeeding through our Drive and Thrive Program. This makes it very easy for our Members to get approved for a vehicle and start taking the steps to build their credit.

How much down payment will I need to get approved for your Buy Here Pay Here – Drive and Thrive Program?

A. Average Members get approved with an upfront down payment of $972. Your down payment will vary based on many factors like income, expenses, vehicle, etc. We always recommend you put the most possible down payment. This helps discount your payment amount and provides long-term savings.

Do the cars have a warranty?

A. Yes! We provide two types of free warranties.
1. A very thorough warranty that covers you during the most crucial time, the first 30 days or 1,000 miles (whichever comes first).
2. An extension past the first that covers the most important vehicle components for 24 months or 24,000 miles (whichever comes first).

What areas does your buy here pay here – drive and thrive program service?

A. At this moment, we serve Fresno, CA the surrounding 20 mile area. These include Fresno, Clovis, Madera, Sanger, Reedley, Selma, Kingsburg, Kerman, Parlier, Caruthers, Fowler, Friant, Del Rey, Riverdale, Easton, Raisin City.
We plan on expanding soon to serve the rest of California and beyond.

Why is your approval rate 97% and not 100%?

A. There are circumstances where we cannot get someone approved due to:

• Information on the application being unverifiable
• Undergoing an active bankruptcy
• Fraudulent information
• Legal regulations not permitting us

Are there any limits to your program?

A. Because we provide a high-attention service that is aimed at providing our Members results, we limit the number of new Members admitted into our Buy Here Pay Here – Drive and Thrive Program to 8 per week. This will increase over time, but only when we can make sure we can deliver on more than we promise to each new Member.

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How can I apply?

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Sales Representative

Sales Representative Brian Reynoso Damien Gibbs Mike Sanchez Oracio Moreno

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By clicking "Submit", I, the undersigned, (a) for the purpose of securing credit, certify the below representations to be correct; (b) authorize financial institutions, as they consider necessary and appropriate, to obtain consumer credit reports on me periodically and to gather employment history, and (c) understand that we, or any financial institution to whom this application is submitted, will retain this application whether or not it is approved, and that it is the applicant's responsibility to notify the creditor of any change of name, address, or employment. We and any financial institution to whom this application is submitted, may share certain non-public personal information about you with your authorization or as provided by law.

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Once done, you’ll receive a brief questionnaire you’ll fill out to help us understand your situation and how we can help.

Once we review it, you’ll get a call from us to clarify some information. If it looks like we will be a good fit for you and have the inventory to get you the right type of payments that’ll make it easy for you to succeed, we’ll set up your free consultation with you!

We look forward to helping you get on the road, but most of all, building your credit and achieving the future we both know you deserve.

Get ready to start Driving and Thriving!

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Buy Here Pay Here in Fresno, CA

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