📍 Serving Plant City, FL

Buy Here Pay Here Serving Plant City, FL

✅ Approved by Income — Applying Never Hurts Your Score

EZ AUTO sits about 20–25 minutes east of Plant City via I-4 or US-92, at 1612 W. Memorial Blvd in Lakeland. A 12-month/12,000-mile powertrain warranty comes standard on every vehicle, decisions take roughly 10 minutes, and on-time payments get reported to all three credit bureaus.

✅ Start Your Online Application → 📞 (863) 940-9675

About EZ AUTO

The Buy Here Pay Here Lot Plant City Drivers Trust

Since 2017, families from Plant City and eastern Hillsborough County have crossed the county line to buy from us — and the 4.8-star rating across 300+ Google reviews tells you how those visits went. We're one family-owned lot in Lakeland, not a franchise, and we treat every buyer like a neighbor we'll see again.

Our inventory is intentionally narrow: Toyota, Honda, Lexus, Mazda, Acura, and Scion. Nothing else. These Japanese brands survive years of I-4 commutes and Florida summers, which means fewer breakdowns for you and fewer headaches for everyone.

How Approval Works

Your Income Gets You Approved — Not a Number

Banks judge a score. We look at whether your paycheck supports the payment. That's it.

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Zero Hard Inquiries

Our application leaves no mark on your credit report. Apply with confidence.

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Paycheck Over Score

Repossession? Bankruptcy? First-time buyer? If your income is steady, you have a real shot.

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~10 Minutes to a Yes

Bring proof of income and you'll have an answer before you finish your coffee.

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Credit That Recovers

We report to Equifax, Experian, and TransUnion — each on-time payment moves your score forward.

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Down From ~$727

Real, attainable down payments — and we'll work with the budget you actually have.

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Japanese Brands Only

Toyota, Honda, Lexus, Mazda, Acura, Scion — chosen for longevity, not for flash.

Skip the Guesswork

Apply Online From Plant City — Walk In Already Approved

The smartest way to shop with us from Plant City is to handle approval before you ever get in the car:

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1. Send the Application

From your phone, on a break, whenever — the form is short and never triggers a hard inquiry.

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2. Talk to a Real Person

Our team calls you back to verify income and narrow down which vehicles match your budget.

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3. One Trip, Keys in Hand

Head east already approved, test-drive, sign, and you're back in Plant City in your new car.

Directions

Directions From Plant City to Our Lakeland Lot

Two easy options. The back-road way: pick up US-92 heading east out of Plant City — it turns into W. Memorial Blvd as you roll into Lakeland, and our lot is right on it at 1612 W. Memorial Blvd. Door to door, about 20–25 minutes.

Prefer the interstate? Hop on I-4 east, take the Memorial Blvd exit on Lakeland's west side, and you're minutes from the lot. Apply online first and we'll have your numbers ready when you walk in.

🗺️ Get Directions in Google Maps

Standard on Every Car

Every Car on Our Lot Comes With

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12-Month / 12,000-Mile Powertrain Warranty

Engine and transmission covered for a full year on every vehicle we sell — no extra charge, no fine-print upgrade.

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A Real Pre-Sale Inspection

Each car passes through our in-house mechanics before it earns a spot on the lot.

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Ongoing Service Support

Our shop handles oil changes, brakes, and A/C after the sale — so the 20-minute drive keeps paying off.

Common Questions

FAQ — Buy Here Pay Here for Plant City, FL

It's about a 20–25 minute drive, and Plant City customers have been making it since 2017. Every car comes with a 12-month/12,000-mile powertrain warranty, we approve you on income instead of running a hard credit pull, and your on-time payments get reported to all three bureaus to rebuild your credit. That combination is hard to find at lots closer to home.

Absolutely — that's what we recommend. Submit the online application from your phone or computer, and one of our team members will call to go over your income and your options. By the time you head east on US-92 or I-4, you'll already know you're approved.

No. We don't do hard credit inquiries at all. Your approval is decided by your income and your ability to make the payments — not by a credit score. Bad credit, no credit, and past repossessions are all welcome.

Japanese vehicles only — Toyota, Honda, Lexus, Mazda, Acura, and Scion. We stick to these brands because they hold up best for high-mileage Florida driving, and every one is inspected and backed by our 12-month/12,000-mile powertrain warranty.

Approval takes about 10 minutes once we have your information. Many Plant City customers apply online in the morning, come by in the afternoon, and drive home the same day. Down payments start around $727.

Buy Here Pay Here Near Plant City, FL — Financing on Your Income

Plant City shoppers searching for buy here pay here financing don't have to settle for whatever lot is nearest. EZ AUTO, just up US-92 in Lakeland, approves buyers on income with zero hard credit inquiries, backs every Toyota, Honda, Lexus, Mazda, Acura, and Scion with a 12-month/12,000-mile powertrain warranty, and reports each payment to Equifax, Experian, and TransUnion. Get started with the online application before you make the drive, see what's on the lot in our inventory, or call (863) 940-9675.