Financing Frequently Asked Questions

At Advantage Auto Sales & Credit, we believe that every customer deserves access to reliable transportation-regardless of credit history. Our in-house Buy Here Pay Here financing program exists to help customers who may have been turned down elsewhere, are rebuilding their credit, or simply want a more flexible, straightforward path to getting approved. Because we are the bank, the lender, and the dealership all under one roof, we can structure options that traditional lenders often cannot.

Whether you've faced past credit challenges, had a vehicle repossessed, recently changed jobs, or simply haven't built credit yet, our goal is to make the financing process easy to understand and stress-free. Below you'll find answers to many of the common questions customers ask about Buy Here Pay Here financing, how our approval process works, and what you can expect when choosing Advantage Auto Sales & Credit for your next vehicle.

Understanding Our In-House Financing Program

Unlike traditional dealerships that rely solely on banks or credit unions, Advantage Auto Sales & Credit provides financing directly to our customers. This means your loan stays with us, your payments are made to us, and your approval is determined by our team-not by an outside lender who may only look at your credit score. We take a much more personal and comprehensive approach, evaluating your income, stability, down payment, and ability to afford your payments.

Our mission is rooted in fairness, transparency, and opportunity. We never judge customers based on past mistakes. Instead, we focus on providing solutions that help people move forward. By offering Buy Here Pay Here financing, we give customers the chance to build or rebuild credit, drive a dependable vehicle, and establish long-term financial success.

Designed for Real People and Real Life

Life can be unpredictable. Job changes, medical bills, divorce, unexpected expenses, and many other situations can cause credit issues that make traditional loans difficult to obtain. Our program is designed specifically to help people overcome these challenges. We look at the full picture-not just the number on a credit report.

We also understand that reliability matters. That's why our vehicles undergo thorough inspections, and many include service packages designed to keep you on the road with confidence. When combined with our flexible financing options, Advantage Auto Sales & Credit becomes a partner you can rely on before, during, and long after the purchase.

Clear Terms, Straightforward Payments

When you finance through our Buy Here Pay Here program, you can expect clear communication and straightforward terms. We explain everything up front, including payment schedules, down payment requirements, and any available warranties or service agreements. Because we manage your loan in-house, we're here to answer questions, help you stay on track, and work with you if challenges arise.

Many of our customers appreciate that we offer flexible weekly or bi-weekly payment options, allowing them to match their budget and income schedule without stress. With every on-time payment, you're building a stronger financial foundation.

Financing Questions & Answers