Buy Easy.Drive Easy.
EZ AUTO is Lakeland's most trusted Buy Here Pay Here dealership. Bad credit, no credit, repo — approved based on income, not credit score. Approved in 10 minutes.
Three steps. No bank waiting game. Apply and drive home same day.
Online or in-store. About 5 minutes. Basic income info only — no hard credit pull, zero surprises.
Browse our reconditioned Japanese vehicles — Toyota, Honda, Lexus, Mazda, Scion. Every car inspected and warrantied.
We build your payment plan on the spot. Bi-weekly, semi-monthly, or monthly. Sign and drive, same day. We report to all 3 bureaus.
Hand-picked from our lot — a standout vehicle ready to finance, approved in 10 minutes.
No banks. No waiting. Mr. EZ makes the call in minutes based on your income — not your credit score.
Mr. EZ is ready to greet you in person. Our lot is stocked with inspected, warrantied Japanese vehicles. Walk in, get approved, drive home — all in one visit.
Nearly every vehicle is a Japanese make — Honda, Toyota, Lexus, Mazda — chosen because they last. Every one goes through our own shop. Every one leaves with a 12-month warranty. We don't sell flash. We sell certainty.
Our customers work hard, pay their bills, and just need someone to see that. We look at your income — not your past. The person sitting across from us gets a yes based on who they are today, not a number from years ago.
Every on-time payment gets reported to all three credit bureaus. Because this isn't just a car loan — it's the beginning of something bigger. We're not done when you drive off the lot. We're invested in where you're going.
"We were turned away once. We know what it costs. We built EZ AUTO so no one who works hard and plays by the rules ever has to feel that way again."
— German & Ysmael, FoundersMost BHPH dealers disappear after the sale. EZ AUTO reports every payment to credit bureaus, warrants every vehicle, and reconditions every car in our own Lakeland shop.
EZ AUTO specializes in Japanese vehicles — proven reliability, lower reconditioning cost.
Customers drive in from all over Polk County. Find your town, or start with the guide that fits your situation.
EZ AUTO finances your vehicle directly — no bank. Apply, get approved in 10 minutes based on income, pick your car, pay us directly. Entire process same day in Lakeland. How BHPH works →
Yes. We approve based on income, not credit score. Bad credit, no credit, repossessions, bankruptcies — all accepted. No hard credit pull required. Second chance auto loans →
Yes — Equifax, Experian, and TransUnion, starting with payment #1. Unlike most BHPH dealers, EZ AUTO actively helps rebuild your credit history. How to rebuild credit →
Every vehicle includes a 12-month or 12,000-mile powertrain warranty with a $100 deductible. Inspected in our in-house shop. No additional cost. See warranty details →
Approximately 10 minutes. Apply online or in-store at 1612 W. Memorial Blvd, Lakeland FL. Most customers drive home same day.
Down payment varies by vehicle and is shown on every listing. Most customers need at least $1,000 down. Call (863) 940-9675 for a specific quote. How much should you put down? →
Over 2,000 Polk County families have driven off our lot.
They helped my husband get into an F250 Super Duty after several places gave him the runaround. Amazing — already planning truck #2!
Got approved even with bad credit. The team explained everything and made me feel welcome. I recommend EZ AUTO to anyone who thinks they can't get financed. You can!
Super knowledgeable, whole process was easy. My very first Yelp review ever — that says it all. 10 out of 10.
Our customers speak for themselves. Hundreds of Polk County families have shared their EZ AUTO experience on Google — and we're proud of every single one. See what your neighbors are saying, or add your own voice.
Bad credit, no credit, repo — EZ AUTO has helped thousands of Lakeland families get back on the road. Fill out the application in 5 minutes.