At Ray’s Motor Sales, we have been helping credit challenged customers obtain vehicle financing for over 50 years. A late model, low mileage vehicle is possible for you, too! Often times, the terms of our car loans are much more advantageous to you, the customer, than the guys you see on TV. Give us a chance to earn your business today!
Our Interest Rates areCOMPETITIVE
You’ll find our interest rates are as competitive as anywhere. We know that “buy here pay here” used car loans are known for sky high interest rates. But not at Ray’s Motor Sales. Shop our interest rates to other dealers and see our savings. You’ll be happy you did!
Our Application is FAST & EASY
We value your time, that’s why we made our application process is fast and easy! You can complete our credit application in as little as 2 minutes. Easy click/tap buttons allow you to quickly complete the application with minimal typing. You will get a pre-qualification response within seconds of submitting your application.
Financing Terms Tailored toYOU
Many buy here pay here dealerships have set down payments and monthly payments per vehicle. Not at Ray’s Motor Sales. We use a proprietary scoring model that takes into accounts stability factors such as employment, income, residency and other factors to you get the best terms!
What Should I Bring to the Dealership?
Most recent 2 paystubs, W2, benefit statement, or other income statements.
Proof of Residency
Phone bill, and one of a rental/lease agreement, utility bill, bank statement, etc.
Verification on Company Letterhead, or a number we can call to verbally verify.