📍 Serving Winter Haven, FL

Buy Here Pay Here Serving Winter Haven, FL

✅ No Hard Credit Pull — Approved by Income

EZ AUTO is a family-owned Buy Here Pay Here dealership about 25–30 minutes west of Winter Haven via US-92 or FL-540. Every car carries a 12-month/12,000-mile powertrain warranty, approval takes about 10 minutes, and we report your payments to all three credit bureaus.

✅ Get Pre-Approved Online → 📞 (863) 940-9675

Who We Are

Winter Haven Drivers Have Been Buying From Us Since 2017

We're not a faceless chain lot. EZ AUTO is a single, family-run dealership at 1612 W. Memorial Blvd in Lakeland with a 4.8-star Google rating from more than 300 reviews — and a steady stream of customers who make the short trip over from Winter Haven, Auburndale, and the rest of Polk County.

We sell Japanese vehicles only — Toyota, Honda, Lexus, Mazda, Acura, and Scion — because they're the brands that keep running on Florida commutes long after the loan is paid off. If your credit took a hit, that doesn't disqualify you here: we look at your income, not your score.

Income-Based Approval

Approved by Your Income — Not Your Credit Score

Here's what financing at EZ AUTO actually looks like for Winter Haven buyers:

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No Hard Credit Pull

Applying never dings your credit score. We don't run hard inquiries — period.

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Approval Based on Income

Steady income is what qualifies you. Bad credit, no credit, repos, or bankruptcy are all OK.

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Decision in ~10 Minutes

No waiting days for a bank. Once we have your info, you'll know fast.

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Reported to All 3 Bureaus

Every on-time payment goes to Equifax, Experian, and TransUnion — so your car rebuilds your credit.

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Down Payments From ~$727

Tell us your budget and we'll match you with vehicles that fit it.

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Japanese Vehicles Only

Toyota, Honda, Lexus, Mazda, Acura, Scion — reliability you can count on.

Before You Drive

Get Pre-Approved From Winter Haven Before You Make the Trip

Don't drive 25 minutes just to find out what you qualify for. Do it from your couch:

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1. Apply Online

Fill out the short application at ezautousa.com/apply-now — a few minutes, no hard inquiry.

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2. We Call You Back

Usually the same day. We confirm your income and tell you exactly which cars and payments fit.

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3. Drive Over Once

Come already approved, test-drive your picks, sign, and drive home the same day.

Getting Here

How to Get to EZ AUTO From Winter Haven

The simplest route: take US-92 west through Auburndale. US-92 becomes Memorial Blvd as it enters Lakeland, and our lot sits right on it at 1612 W. Memorial Blvd — you literally can't miss it. From downtown Winter Haven that's about 25–30 minutes.

Coming from the south side of Winter Haven? FL-540 (Winter Lake Rd) west toward Lakeland works too — then head north to Memorial Blvd. Either way, you'll be on the lot in under half an hour, and if you applied online first, the paperwork is mostly done before you arrive.

🗺️ Open Directions in Google Maps

What's Included

What Every EZ AUTO Vehicle Comes With

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12-Month / 12,000-Mile Powertrain Warranty

Included on every single car — not an upsell. A full year of engine and transmission coverage from the day you drive off.

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Inspected Before It Hits the Lot

Our own service shop goes through each vehicle before it's offered for sale.

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A Service Shop That Knows Your Car

Oil changes, brakes, A/C and more at the same location after you buy — one less reason to worry about the distance.

Common Questions

FAQ — Buy Here Pay Here for Winter Haven, FL

Most of our Winter Haven customers say yes — the trip is only about 25–30 minutes. In exchange you get a 12-month/12,000-mile powertrain warranty on every car, approval based on your income with no hard credit pull, and payments that build your credit with all three bureaus. Very few buy here pay here lots closer to Winter Haven offer all three.

Yes. Fill out our online application from home — it takes a few minutes and there is no hard credit inquiry. We'll call you back, usually the same day, to confirm your income and tell you exactly what you qualify for, so you only make the drive once.

We never do a hard credit pull, so applying won't hurt your score. Approval is based on your income and ability to pay — bad credit, no credit, past repossessions, even bankruptcy are all OK.

Down payments start around $727 depending on the vehicle. Tell us your budget when we call and we'll point you to the cars on the lot that fit it.

Yes. We report every payment to all three credit bureaus — Equifax, Experian, and TransUnion — so paying on time actively rebuilds your credit history.

Winter Haven: your next car is 25 minutes away

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

✅ Apply Online — 10-Min Approval → 📞 Call (863) 940-9675

Buy Here Pay Here Near Winter Haven, FL — No Credit Check Needed

If you've been searching for buy here pay here in Winter Haven with no credit check, EZ AUTO in Lakeland is a short drive west on US-92 — and the trade-off is real: income-based approval with no hard credit inquiry, a 12-month/12,000-mile powertrain warranty included on every Toyota, Honda, Lexus, Mazda, Acura, and Scion we sell, and payments reported to all three credit bureaus. Apply online to get pre-approved before you leave Winter Haven, browse our inventory, or call (863) 940-9675.