FAQ
What kind of financing do you have?
We have all forms of financing available and work with many credit unions and financial institutions to get you the best approval. However, we specialize in Buy Here Pay Here (In House financing), which allows us to work with all credit types! Good credit, bad, or none, we can get you approved.
What is Buy Here Pay Here?
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, we can lend you the money directly so you can purchase your vehicle! Many know Buy here pay here by other names, which include; in house financing, BHPH, buy here pay here near me, tote the note car dealers, your job is your credit, easy finance car lots, etc.
You can read more about what a buy here pay here car lot is here.
What do I need to get approved?
You will 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 so we can get you approved!
What kind of income types do you work with??
All incomes are welcome! Fixed incomes like SSI/Disability, Cash incomes, 1099 incomes, W2 incomes, etc. Our biggest goal is to make sure we get you into a payment you’ll be able to comfortably afford. Because of that, we require some type of proof that you are receiving that income.
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?
Yes, we do! We understand that sometimes life can get tough. We care more about where your future lies and not your past.
Do you work with ITINs?
Absolutely! Many of our Members benefit from our Credit Solutions program to help them establish and build credit with an ITIN. Any tax-paying member of society can get financing through us.
How do you help repair or establish credit?
There are two ways. The first is by 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.
The second is by taking 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 send out frequent reminders with every payment and maintain constant communication to always keep you on track to building good credit.
Can you work with first time car buyers?
Yes, we can! Our program is tailored specifically to work with anyone who may be facing credit challenges. This includes members who have not established any credit or never bought a vehicle before. First time car buyers are more than welcome here with us.
Do you guys accept trade-ins?
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. It’s just a matter of bringing your vehicle into the dealership so we can get it appraised for you and get you top dollar for it!
Why do most of the prices say $500, $1000, or $1500?
Our low down payments start at $500! Those “prices” refer to our average down payment for that type of vehicle for residents of the Fresno area. Some people could qualify for less, while others might need more. We specialize in buy here pay here near me with low down payments. This makes it very easy for our qualified members to get approved for a car.
Do the cars have a warranty?
Yes! We provide two types of warranties. The first is a very thorough warranty that covers you during the most crucial time, the first 30 days or 1,000 miles (whichever comes first). The second is an extension past the first that covers the most important vehicle components for 24 months or 24,000 miles (whichever comes first).
What areas do you service?
As of this moment, we serve Fresno and nearly all its surrounding areas in the Central Valley. These include Fresno, Clovis, Madera, Sanger, Reedley, Selma, Kingsburg, Kerman, Coalinga, Parlier, Firebaugh, Orange Cove, Mendota, Caruthers, Fowler, San Joaquin, Calwa, Friant, Del Rey, Riverdale, Laton, Easton, Raisin City, Hanford, Lemoore, Merced, and Visalia.
We plan on expanding soon so we can begin serving the rest of California. Not long after, the other States.
Why is your approval rate 97% and not 100%?
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?
The only limit we have is how many Members we are able to qualify for our Program. As of now, we can only approve 8 Members per week. We hope to increase this soon but are committed to the high success and service we provide our Members first. We will only do so when we are sure every area of our Program would be able to keep up.
How can I apply?
Great decision! While we always recommend you come in person to apply, we also make it very easy to do so online as well. Best of all, there’s no hit on your credit score!
Within 5 minutes, you should be receiving a phone call. We will review your information and inform you of the type of approval best for your specific situation! You’ll be invited in for an appointment with one of our Vehicle & Credit Consultants to find you the best vehicle to fit your needs and finalize the details of your approval!
Apply now and start living that better future we both know you deserve.