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.
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.
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.
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.
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.
We structure payments that are realistic and manageable, so you can drive with confidence and stay on track.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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.
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!
Every used car has been through a multi-point inspection. Therefore, if anything needed to be fixed, it already has!
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
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!
Every used car has been through a multi-point inspection. Therefore, if anything needed to be fixed, it already has!
Our Buy Here Pay Here used car inventory comes with a Limited Warranty of at least 12 months / 12,000 miles.
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.
Each used car has 12 months or 12,000 miles Limited Warranty.
Our Used Car Inventory includes Coupe, Sedans, SUVs, Trucks, Sports Cars, etc.
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.