🚗 In-House Financing · 20–25 Min from Bartow

Buy Here Pay Here Serving Bartow, FL

✅ Steady Income? You're Approved — Credit Score Doesn't Decide

Drive 20–25 minutes up US-98 from Bartow and choose from a lot full of Toyota, Honda, Lexus, Mazda, Acura, and Scion vehicles — each backed by a 12-month/12,000-mile powertrain warranty. Apply online first and your approval is usually waiting in about 10 minutes.

🚗 Start My Approval → 📞 (863) 940-9675

Since 2017 in Polk County

Bartow Already Knows the Way to EZ AUTO

Type "buy here pay here Bartow" into Google and you'll find us — and there's a reason for that. Families from Bartow, Mulberry, and Highland City have been financing their cars at our Lakeland lot for years, and they're a big part of the 300+ reviews behind our 4.8-star Google rating. We've operated from the same spot at 1612 W. Memorial Blvd since 2017.

What sets us apart from the typical buy here pay here lot is simple: we only stock Japanese vehicles, we warranty every one of them for 12 months, and we treat your payment history as a tool to rebuild your credit — not just a bill.

How Approval Works

Financing Built Around Your Paycheck

A low credit score won't stop you here. Our approval comes down to one question: does your income support the payment? That's it.

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Zero Hard Inquiries

Your credit score stays untouched when you apply — we never run a hard credit pull.

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Your Job Is Your Credit

Steady work and steady income get you approved — even after bankruptcy or repossession.

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Payments That Build Credit

We report to Equifax, Experian, and TransUnion, so every on-time payment moves your score up.

Apply Before You Drive

Apply from Home in Bartow — Be Approved Before You Arrive

The smartest way to shop with us from Bartow: handle the application from your phone first, then make one trip to pick up the car.

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Submit the Online Application

A few minutes on your phone at ezautousa.com/apply-now. No documents to scan up front, no hard inquiry.

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Approval in About 10 Minutes

We'll confirm your approval and go over down payment options — starting around $727 — before you leave Bartow.

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One Trip, Keys in Hand

Come up US-98, test drive, sign, and head back to Bartow in your own car — often the same day you applied.

Getting Here

Directions from Bartow to Our Lakeland Lot

From downtown Bartow, take US-98 N (it becomes Bartow Road as it approaches Lakeland) and stay on it heading north for about 20 minutes. Once you're in Lakeland, head west on Memorial Blvd (US-92) and watch for our lot at 1612 W. Memorial Blvd. Total trip: roughly 20–25 minutes door to door.

Hours are Monday–Friday 9am–6pm and Saturday 10am–4pm — Saturdays work great for Bartow customers who can't get away during the week. Get directions on Google Maps →

No Gambles, No Junk

What Comes With Every Car on Our Lot

A 20-minute drive shouldn't be a leap of faith. This is the standard on every vehicle we sell:

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12-Mo/12,000-Mi Powertrain Warranty

Engine and transmission covered for a full year on every car — not an add-on, not an upsell. It's included.

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Shop-Checked Before It's Listed

Each vehicle passes through our on-site service shop before it ever gets a price tag.

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Toyota, Honda & Other Japanese Makes

We refuse to stock anything else — Lexus, Mazda, Acura, and Scion round out the lot.

Common Questions

FAQ — Buy Here Pay Here for Bartow, FL

About 20–25 minutes — straight up US-98 N into Lakeland. Bartow customers tell us the difference is what comes with the car: a 12-month/12,000-mile powertrain warranty, an approval decided by your income instead of your credit score, and on-time payments reported to all three credit bureaus. Most nearby lots offer none of that.

Absolutely. Our online application takes a few minutes from your phone, and approvals typically come back in about 10 minutes. You'll know your down payment options before you ever leave Bartow, so the visit itself is just choosing the car and signing.

Yes. Unlike many buy here pay here lots, we report your payment history to Equifax, Experian, and TransUnion. Make your payments on time and your credit score benefits month after month — many of our customers qualify for traditional financing on their next vehicle.

Every vehicle on our lot — no exceptions — comes with a 12-month/12,000-mile powertrain warranty. Our in-house service shop also inspects each car before it goes up for sale.

Reliability. Toyota, Honda, Lexus, Mazda, Acura, and Scion consistently outlast other brands, which matters when you depend on your car for work. Selling only Japanese makes is how we can confidently put a 12-month warranty on everything we sell.