🏠 We Are the Lender — No Bank

In-House Financing Car Lot in Lakeland, FL

✅ One Stop: Car, Loan, Payments, Service

In-house financing means the dealership lends you the money itself. At EZ AUTO, 1612 W. Memorial Blvd, there is no bank and no outside lender. You apply here, we decide here in about 10 minutes, and you make your payments to us.

✅ Apply Now — Decision in ~10 Minutes → 📞 (863) 940-9675

Plain English

What In-House Financing Means

You may also hear it called Buy Here Pay Here or "tote the note." It is all the same idea: the lot carries your loan.

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No Bank in the Middle

A traditional dealer sends your application to several banks and waits. We make the decision ourselves, at the lot.

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Income Decides

Because it is our money, we set our own rules. We approve by income and budget, not by credit score, with no hard credit pull.

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Same-Day Answer

Most decisions take about 10 minutes. Many customers pick a car and drive home the same day.

How It Works Here

In-House Financing at EZ AUTO, Step by Step

Three steps, all at one address.

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1. Apply

Online in about five minutes, or in person. Bring ID, proof of income and your down payment.

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2. Choose Your Car

Japanese-first inventory — mostly Toyota, Honda, Lexus, Mazda, Acura and Scion — each inspected in our own shop.

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3. Pay Us Directly

Bi-weekly, semi-monthly or monthly: online, by Zelle, in person, or in cash at stores like Walmart and CVS.

What's Included

What Sets Our In-House Financing Apart

In-house financing has a mixed reputation. These are the things we do that many lots do not.

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12-Month Warranty

A 12-month / 12,000-mile powertrain warranty with a $100 deductible is included on every vehicle.

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Credit Reporting

We report your payments to Equifax, Experian and TransUnion from the first payment.

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Service After the Sale

Oil changes, brakes, A/C and diagnostics in our own shop, open to customers and the public.

Common Questions

FAQ — In-House Financing in Lakeland FL

In-house financing means the dealership itself is the lender. You do not apply to a bank. The dealer approves you, holds the loan, and collects your payments. It is also called Buy Here Pay Here.

At EZ AUTO there is no hard credit pull. Approval is based on your income and budget, and most decisions take about 10 minutes.

At EZ AUTO, down payments start around $1,000 and most customers put $1,500 to $2,500 down. Each vehicle lists its own down payment.

Directly to EZ AUTO. You can pay online, by Zelle, in person at 1612 W. Memorial Blvd, or in cash at participating stores such as Walmart, CVS and 7-Eleven.

Usually, yes. In-house lenders take on more risk, so rates are higher than a bank offers someone with good credit. If you qualify for a bank or credit union loan, compare it. In-house financing is for buyers a bank has turned down.

In-house financing — one lot, one answer, about 10 minutes

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

✅ Apply Now → 📞 Call (863) 940-9675

An In-House Financing Car Lot Serving Lakeland and Polk County

EZ AUTO is an in-house financing (Buy Here Pay Here) used car dealership at 1612 W. Memorial Blvd, Lakeland, FL 33815, in business since 2017. Because we carry our own loans, we approve customers by income with no hard credit pull, including buyers with bad credit, no credit, a repossession or a bankruptcy. Every vehicle includes a 12-month / 12,000-mile powertrain warranty, and payments are reported to all three credit bureaus. Compare the two options in Buy Here Pay Here vs. traditional financing, see how our credit reporting works, or browse every vehicle in stock.