Financing at Ray's Motor Sales is FAST & EASY 

No more spending hours and hours at the dealership while waiting to see if you are approved. Here, we are the bank and are able to issue financing approval within minutes!

Apply In Person or Online

You can apply at the dealership, or online by clicking here. Upon approval, we will need for you to provide some information for us. Here's what you'll need to gather:

  1. Proof of Income (check stub, W2, etc)
  2. Proof of Residency (power bill, phone bill, bank statement, etc)
  3. Florida Driver's License

Choose Your Vehicle

Next, we will help you find a vehicle that both you like that and that fits your budget, and payment schedule. There are no pressure tactics or pushing of vehicles that you are not interested in at Ray's Motor Sales.

Drive Away Today

Since we are the bank, there's no more spending a whole day at the dealership. Most car deals take about an hour to complete. You'll be on the road in no time!

Please call or text us at 863-676-6321, start a chat below, or complete the form on this page if you have any questions. We are here to help!

Our Finance Area

Lake Wales


Babson Park

  Bartow


Four Corners


Haines City




Winter Haven

All of Polk County

Northwest Osceola County

Northern Highlands County

Northern Hardee County


Contact Us