At Advantage Auto Sales & Credit, most of our customers finance directly with us through our in-house Buy Here Pay Here program. That means we handle the approval, set up the loan, and you make your payments right to us. We look at your income, stability, down payment, and budget to structure a payment plan that works for your situation. In some cases, we may also work with outside lenders when it makes sense, but our primary goal is to provide a simple, straightforward path to getting you approved and on the road.

Your finance terms are based on more than just a credit score. We consider several factors, including your income, time on the job, time at your current residence, down payment amount, previous auto loan history, debt-to-income balance, and overall ability to afford the payment. Our goal is to match you with terms that are realistic and sustainable so you can succeed with your loan and build a stronger financial future.

Yes. If you prefer to use your own bank, credit union, or outside lender, we are happy to work with them. Many customers choose our in-house financing for convenience and flexibility, especially if they are rebuilding credit, but you are always free to bring your own financing instead. We can review both options with you so you can decide what works best for your budget and comfort level.

Equity is the difference between what your vehicle is currently worth and how much you still owe on it. This can be positive or negative. For example, if you owe $12,000 and your vehicle is worth $10,000, you have $2,000 in negative equity. If you owe $10,000 and your vehicle is worth $12,000, you have $2,000 in positive equity.

Positive equity in your trade can reduce the amount you need to finance on your next vehicle, similar to adding extra money down. Negative equity may sometimes be rolled into your new loan if you qualify, which can increase the total amount financed and your monthly payment. Our team will review your specific situation, explain your options clearly, and help you understand how your equity impacts your overall financing plan.

In many cases, yes-most customers are able to make extra payments or pay more than the scheduled amount. Additional money generally reduces your principal balance faster and can help you pay off your loan sooner. Because every contract is a little different, we encourage you to contact our office so we can review your account and confirm how extra payments will be applied.

Yes. Helping customers with less-than-perfect credit is a major part of what we do. Our in-house financing program is designed specifically for people who may have been turned down elsewhere, are rebuilding credit, or are just starting out. We'll review your situation, walk you through the options available, and do everything we can to help you get into a dependable vehicle with a payment plan that fits your budget.