Financing FAQ’s

Learn more about Advantage Car & Credit’s Buy Here Pay Here in-house financing program

We don’t just sell cars; we build relationships by connecting with people and helping them solve a problem. Our business is the very definition of relationship-building, and we pride ourselves on that. Advantage Car & Credit offers in-house financing for all credit types. For most customers, our financing process is simple and streamlined to get you back on the road fast. Click on the questions below for answers to our most common financing questions.


The answer is YES, or YES IF. You don't need perfect credit to finance through Advantage Car & Credit. All of our experienced customer advocates know that good people just like you have credit ratings of all shapes and sizes. We believe that everyone deserves to drive a beautiful and reliable vehicle, regardless of their credit history, and we work hard to approve our customers so that can be the case.

Start by filling out and submitting our online application. You can also call or stop in at the dealership and someone will gladly work with you to start or complete your application.

We will consider approvals based on several factors like: time on the job, ties to the area, your monthly income and expense, ability to pay, explanation of credit history, and the honesty and accuracy of the information you give us. To get started, you will need:

  • A valid state or government-issued ID card or current passport. For example, a valid state driver’s license.
  • Proof of income (a hard-copy check stub less than 30 days old, proof of check from the government, proof of regular payments from elsewhere).
  • Proof of residency (rent receipt or a copy of a utility bill).
  • Current Phone bill.
  • Four references (with complete contact info).
  • Title of a vehicle if one is being traded-in.
  • Cash for your down payment.

    • We can usually have your loan application approved and be driving the same day. and you’ll be on the road in your new vehicle the same day.

    We run a soft-credit pull during the pre-approval process, that does not impact your credit score. However, a formal credit pull is necessary for the final approval process with our financing company. This process allows us to establish your account and report your on-time payments to assist you in rebuilding your credit.

    Yes; Because of our special relationship with our lender, we can still get you approved even with prior repossessions.

    No problem. You’ve come to the right place. We specialize in financing customers with less-than-perfect credit scores or even no credit at all. Our finance company considers a number of key factors during the underwriting process for approval; not only your credit history or your credit score.

    Get Started

    What Is Buy Here, Pay Here? If you buy a car from a new car dealer, or a traditionally used car dealership, you are typically getting approved by a bank or an auto lender, that provides a loan for the vehicle. Advantage Car & Credit is a buy here, pay here (BHPH) dealership so we provide in-house financing or financing with our lending partners.

    Advantage Car & Credit is a better Buy Here Pay Here and we specialize in working with good people like you who have no credit, bad credit, or new credit. We provide an opportunity for approval that most borrowers will have a hard time finding anywhere else. Not all BHPH dealerships are built the same, so before you consider just any buy here pay here dealer, it's important to consider everything being provided, and we believe that we care more than the rest.

    Here at Advantage Car & Credit, we care more about helping you build and repair your credit, so we report all of your payments which through on-time payments will help you reach your good credit goals.





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