Buy Here Pay Here Financing - Apply Today!
Get pre-approved online and take the first step toward your next vehicle.
In-House Financing Made Simple
At Advantage Car & Credit, we make financing easier by offering Buy Here Pay Here options directly through our dealership. That means fewer barriers, a simpler approval process, and a team that works with you one-on-one.
If you have steady income and are ready for a reliable vehicle, you may be able to get pre-approved quickly, even with bad credit, no credit, or past financial challenges. Our goal is to help you understand your options and move forward with confidence.
What Do I Need to Get Approved?
What information do I need to apply?
Most customers will need a valid driver’s license or state ID, proof of income, proof of residence, and a working phone number.
Do you work with bad credit or no credit?
Yes. We look at more than just your credit score and work with many different credit situations.
How fast can I get pre-approved?
Pre-approvals can be quick. Once your form is submitted, our team will reach out to confirm details and guide you through next steps.
Do I need a down payment?
Many approvals require a down payment. Amounts can vary based on the vehicle and your situation.
Can I get pre-approved before choosing a vehicle?
Yes. Getting pre-approved first helps you shop with confidence and saves time.
Get Approved and Drive in 3 Simple Steps
Apply for Pre-Approval
Complete the quick form to get started and see your options.
Choose Your Vehicle
Shop our inventory and find the car, truck, SUV, or van that fits your budget.
Pick Up or Delivery
Finish the process and pick up your vehicle, or ask about delivery options.
Get Your Approval
Before You Come In.
It only takes minutes. Get started online or call us and we’ll do it together.
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Lifetime Powertrain Warranty: Some limitations, exclusions, and deductibles apply. See dealer for complete terms and details.
3-Day Exchange Policy: Available only on Home Delivery and Curbside Pickup purchases. Customer must request an exchange within 72 hours of the time of sale. Not valid on in-store purchases. Terms, conditions, limitations, and exclusions apply. See dealer for complete details.
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