FAQ
Frequently Asked Questions
Everything you need to know about Buy Here, Pay Here financing, our warranty, and getting approved.
What is Buy Here, Pay Here?
Buy Here, Pay Here (BHPH) means the dealership provides its own financing. You get approved for your car loan directly with us, with no bank or credit union needed.
Do I need good credit to get a car?
No. We don’t run credit checks. Our focus is helping people get into a reliable vehicle regardless of their credit history.
How does financing work?
It’s simple and fast. Apply in person and get a quick decision. We offer flexible payment plans with bi-weekly payments starting at around $120.
What documents do I need?
A valid driver’s license and proof of insurance, plus your down payment. That’s all you need to complete the purchase.
What does the warranty cover?
Financed vehicles include a free 90-day / 3,000-mile limited warranty covering the engine, transmission, air conditioning, and related components. Wear items like brakes and hoses are excluded.
How can I make a payment?
By phone with a debit or credit card, in person, by mail, or online 24/7 through our payment portal at pay.carpay.com.
Can I test drive a car?
Absolutely. We encourage you to test drive any vehicle you’re interested in before you buy.
Why is there a cash discount?
Because financing carries additional costs, we offer a discount on vehicles bought with cash. Note that the warranty applies to financed vehicles.
Still have a question?
Call us at (941) 925-7150 or send a message. We’re happy to help.