✓ No Hard Credit Pull — Approved by Income  ·  Lakeland, FL  ·  📍 1612 W. Memorial Blvd  ·  (863) 940-9675
✅ Bad Credit · No Credit · Past Repo

Bad Credit Car Dealership in Lakeland, FL

💼 Approved by Income — Not by Credit Score

EZ AUTO is a Buy Here Pay Here dealership at 1612 W. Memorial Blvd. We finance the car ourselves, so a low score, a thin file or an old repossession does not decide the answer. Your income does. Most decisions take about 10 minutes, with no hard credit pull.

✅ Apply Now — No Hard Credit Pull → 📞 (863) 940-9675
Who We Approve

Credit Situations We See Every Day

A bank looks at your score first. We look at your paycheck first. These are the situations most of our customers walk in with.

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Low Score or Collections
Late payments, collections and charge-offs do not disqualify you here. We do not use your score to make the decision.
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Repossession or Bankruptcy
A past repo or bankruptcy keeps many people out of traditional financing for years. With steady income, we can usually still approve you.
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No Credit History
First car, first job, or new to the country with no file yet. Proof of income is what we need to get started.
The Numbers

What It Costs to Get Started

No teaser numbers. These are the real ranges our customers see.

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Down Payment
Down payments start around $1,000, and most customers put $1,500 to $2,500 down. Every vehicle shows its own down payment on the listing.
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Payment Schedule
Bi-weekly, semi-monthly or monthly. We set the schedule to line up with your payday.
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Warranty Included
Every car comes with a 12-month / 12,000-mile powertrain warranty with a $100 deductible, at no extra charge.
After You Drive Off

A Bad Credit Loan That Helps Your Credit

Many bad credit car lots never tell the credit bureaus you paid. We do.

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Reported to All 3 Bureaus
We report your payments to Equifax, Experian and TransUnion, starting with your first payment.
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Shop on Site
Our own repair shop inspects every car before it is sold and services it afterward, at the same address.
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4.8 Stars on Google
More than 350 Google reviews from Lakeland and Polk County customers since 2017.
Common Questions

FAQ — Bad Credit Car Buying in Lakeland FL

Yes. EZ AUTO finances its own vehicles, so approval is based on your income and what fits your budget, not your credit score. Most customers get a decision in about 10 minutes.
No. We do not run a hard credit pull to approve you, so applying does not lower your score.
Down payments start around $1,000, and most customers put between $1,500 and $2,500 down. The exact amount depends on the vehicle and is shown on each listing.
Bring a valid ID, proof of income such as recent pay stubs or bank statements, and your down payment. If you are self-employed or paid in cash, call us first at (863) 940-9675 and we will tell you what works.
We report your payments to Equifax, Experian and TransUnion starting with the first one, so on-time payments become part of your credit history.

Bad credit? Apply in minutes — no hard pull

Mon–Fri 9am–6pm · Saturday 10am–4pm · 1612 W. Memorial Blvd, Lakeland FL

✅ Apply Now → 📞 Call (863) 940-9675

A Bad Credit Car Dealership in Lakeland That Finances In-House

Most dealerships send your application to a bank, and the bank decides by credit score. EZ AUTO is a Buy Here Pay Here dealership: we are the lender, so we decide by income. That is why customers with bad credit, no credit, a repossession or a bankruptcy are approved here after being turned down elsewhere. We have been at 1612 W. Memorial Blvd in Lakeland since 2017 and serve Auburndale, Plant City, Winter Haven, Bartow, Mulberry and the rest of Polk County. Read how approval works without a hard credit pull, see how much to put down, or look at every vehicle in stock.