Buy Here Pay Here
Program in Lakeland

Flexible financing with options targeted to meet your needs.

Buy Here Pay Here Program in Lakeland

Flexible financing with options targeted to meet your needs.

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    Testimonials

    • Abby Edgerton

      Nicole was very nice, and I loved the vehicle I looked at so much I walked out with it definitely recommend coming here if you’re looking for clean well maintained vehicles

    • Angelica Kelly

      Very grateful for ez auto lakeland. They helped me through their buy here pay here program regardless of my credit.

    • ERIKA ÑAÑEZ

      Great options for buy here pay here dealer in lakeland. They are very knowledgable and helpful. Very happy with my car.

    • Hipolito Ramon Zapat...

      Thank you Ysmael for helping my family, got us approved without having any credit, their buy here pay here program is a great option to start building credit. Thank you again

    • E Zuluaga

      I came here because of their buy here pay here program. They treated me right and were upfront with everything. Highly recommended

    • Kay Evans

      Very good experience! Great option to rebuild your credit with their buy here pay here program. Whole process was great and they are very friendly too

    Frequently Asked Questions

    What is Buy Here Pay Here?

    Buy Here Pay Here (BHPH) is a type of car financing where the dealership acts as the lender, offering in-house financing directly to the customer. This means you can get approved even with bad credit or no credit at all—no banks, no third parties, and no long approval process.

    At a Buy Here Pay Here dealership, approvals are quick, simple, and based on your income, not your credit score. This makes it one of the easiest ways to finance a used car, especially for customers who’ve had trouble getting approved elsewhere.

    Is Buy Here Pay Here beneficial?

    Yes, absolutely! Buy Here Pay Here (BHPH) financing offers several advantages—especially for customers who need a second chance or want a faster, more flexible way to buy a used car.

     

    Immediate In-House Loan Support:

    No need to deal with banks or outside lenders. You’re financing directly with us, and our team is just a phone call away whenever you have a question or need help.

     

    Low Down Payments:

    Our Buy Here Pay Here program is designed to work with your budget. We ask for the lowest possible down payment based on the vehicle, and we’re always willing to work with you to make it happen.

     

    Flexible Terms:

    We customize your loan to fit your financial situation. That means flexible terms and affordable payment plans that make it easier for you to succeed.

     

    Affordable Monthly Payments:

    We structure payments that are realistic and manageable, so you can drive with confidence and stay on track.

     

    Your Credit History Doesn’t Matter:

    Bad credit? No credit? It doesn’t matter. Our Buy Here Pay Here program is built to get everyone approved, regardless of their past credit.

     

    Helps Rebuild Your Credit:

    We know your credit matters. That’s why we report your on-time payments to the credit bureaus—helping you rebuild your credit as you drive.

    How long does it take to get approved for Buy Here Pay Here?

    At EZ AUTO, Buy Here Pay Here approvals are immediate. Our approval process is fast, simple, and stress-free—you don’t need good credit, and there’s no waiting on a bank. In most cases, your down payment is all it takes to get approved for the vehicle you want.

     

    Choose Your Vehicle, Get Approved Instantly

    Our team will show you our available used car inventory. Once you pick a vehicle, we’ll build a customized financing structure on the spot, letting you know your exact down payment and monthly payment within minutes.

    No Waiting, No Banks

    You don’t have to wait for bank approvals or fill out complicated paperwork. Because we finance in-house, we can give you a decision immediately—usually within 10-minutes.

    Flexible Terms That Fit Your Budget

    Whether you’re looking for a 2-year, 3-year, or even 4-year term, our team will make sure your payments are tailored to your budget. You can also choose to pay bi-weekly or monthly—whatever works best for you.

    Instant Approval. Flexible Terms. No Credit Needed.

    Stop worrying about your credit history. If you’re ready to drive, we’re ready to approve you today. Come see why EZ AUTO is one of the most trusted Buy Here Pay Here dealerships in Florida.

    How much down payment do I need for Buy Here Pay Here?

    The down payment for Buy Here Pay Here financing depends on the specific vehicle you choose. Each car may require a slightly different amount based on its price and condition.

    To see estimated down payments, visit our Inventory Page—you’ll find each vehicle clearly labeled with its minimum down payment requirement.

    What’s the Minimum Down Payment?

    At EZ AUTO, most customers will need at least $1,000 down to get approved. In some cases, we may offer flexible options or deferred down payments to help you get into the vehicle you need.

    Need Help With the Down Payment?

    We’re here to work with you. Our goal is to help you drive away in a reliable used car, and we’ll do our best to structure a plan that fits your situation.

    Can I build my credit through Buy Here Pay Here?

    Yes, you can—and at EZ AUTO, you start building credit right away.

    Not every Buy Here Pay Here dealership reports your payments to the credit bureaus, but we do. As soon as you begin making on-time payments, we report them—starting with your very first payment.

    That means you can begin rebuilding or establishing your credit history immediately after purchasing your used car.

    Do I get a warranty on my used car with Buy Here Pay Here?

    Yes! When you finance your vehicle through our Buy Here Pay Here program, you’ll receive our Limited Warranty—which covers your car for 12 months or 12,000 miles, whichever comes first.

    That means you can drive with peace of mind knowing that you’re protected beyond just the sale.

    Our Limited Warranty includes major components such as:

    • Engine

    • Transmission

    • Drive Axle

    • Air Conditioning

    Where is EZ AUTO Lakeland - Buy Here Pay Here dealer located?

    EZ AUTO Lakeland is conveniently located at:

    1612 W Memorial Blvd, Lakeland, FL 33815

    We’re right in the heart of Lakeland—just minutes from I-4 and easily accessible from anywhere in Polk County.

    CLICK HERE for GPS directions.

    WHY CHOOSE US?

    What Sets EZ AUTO Lakeland  Apart?

    EASY FINANCING

    Good credit, bad credit, first time buyer? NO CREDIT NEEDED! With our Buy Here Pay Here program we are able to work with everybody. Above all, we are here to help!

    QUALITY VEHICLES

    Every used car has been through a multi-point inspection. Therefore, if anything needed to be fixed, it already has!

    WARRANTY

    Our Buy Here Pay Here used car inventory comes with a Limited Warranty of at least 12 months / 12,000 miles.

    Our Buy Here Pay Here used car inventory comes with a Limited Warranty of at least 12 months / 12,000 miles. *Conditions apply

    Why choose Us?

    What Sets EZ AUTO Lakeland  Apart?

    EASY FINANCING

    Good credit, bad credit, first time buyer? NO CREDIT NEEDED! With our Buy Here Pay Here program we are able to work with everybody. Above all, we are here to help!

    QUALITY VEHICLES

    Every used car has been through a multi-point inspection. Therefore, if anything needed to be fixed, it already has!

    WARRANTY

    Our Buy Here Pay Here used car inventory comes with a Limited Warranty of at least 12 months / 12,000 miles.

    Benefits of Buy Here Pay Here.

    Rebuild your credit through our Buy Here Pay Here program

    Now you don’t have to worry about how you can get financed for a used car. If you want to gift a vehicle to someone or buy it for your own our Buy Here Pay Here program has made it very simple for you.

    You don’t have to overthink again for bank financing or getting your application approved. After all, you can find all these advantages here through our Buy Here Pay Here program at EZ AUTO Lakeland.

    What do you get through our Buy Here Pay Here program?

    At EZ AUTO Lakeland you will get to choose from a clean and quality used car inventory. In addition, every used car is deeply inspected by certified mechanics.

    Each used car has 12 months or 12,000 miles Limited Warranty.

    Our Used Car Inventory includes Coupe, Sedans, SUVs, Trucks, Sports Cars, etc.

    About Us

    EZ AUTO Lakeland

    Since 2017, EZ AUTO has been Central Florida’s trusted Buy Here Pay Here dealership, helping customers with no credit or bad credit get approved for reliable used cars.

    We specialize in Japanese vehicles like Toyota, Honda, Lexus, Mazda, and Acura—known for long-lasting quality. Every car is inspected and reconditioned in-house, and comes with a 12-month / 12,000-mile warranty for added peace of mind.

    Stop by today and see why more drivers are choosing EZ AUTO for dependable, affordable transportation!

    Serving Lakeland, Florida  and surrounding cities.