What does EZ AUTO's warranty cover?

EZ AUTO's 12-month / 12,000-mile powertrain warranty covers the engine, transmission, and drivetrain components. Every vehicle we sell comes with this warranty included at no extra cost.

How long is EZ AUTO's warranty?

EZ AUTO provides a 12-month or 12,000-mile powertrain warranty on every vehicle, whichever comes first.

Does EZ AUTO charge for the warranty?

No. The 12-month / 12,000-mile warranty is included with every vehicle purchase at no additional cost — no upsell, no fine print.

What is Buy Here Pay Here (BHPH)?

Buy Here Pay Here (BHPH) is a type of car dealership that acts as its own lender. Instead of sending you to a bank or credit union, the dealership finances your vehicle directly. You buy the car here and make your payments here — no bank required. Approval is based on your income, not your credit score.

Who qualifies for Buy Here Pay Here financing?

Almost anyone with a steady income qualifies for BHPH financing. You typically need: proof of income (pay stubs or bank statements), a valid driver's license, proof of Florida residency, and a down payment. Bad credit, no credit, or a past repossession are all OK — BHPH dealerships approve based on income, not credit history.

How much down payment do I need for Buy Here Pay Here?

Down payments at BHPH dealerships vary by vehicle and dealership. At EZ AUTO Lakeland, we work with each customer to find the lowest down payment possible based on your situation and the vehicle you choose. Most customers are approved with a down payment between $500 and $2,500.

What is the difference between Buy Here Pay Here and traditional financing?

With traditional financing, a bank or credit union approves your loan based heavily on your credit score. With Buy Here Pay Here, the dealership is the lender and approves you based on your income. BHPH is faster, requires no hard credit pull, and is accessible to people with bad credit or no credit — but interest rates may be higher than traditional financing.

How long does BHPH approval take at EZ AUTO?

At EZ AUTO Lakeland, approval takes about 10 minutes. There is no hard credit pull, and we can have you approved and driving the same day you apply.

📚 BHPH Explained

What Is Buy Here Pay Here?

The simplest explanation of BHPH financing — and why it's helped thousands of Lakeland families get reliable vehicles when banks said no.

Buy Here Pay Here (BHPH) is a type of car dealership that acts as its own bank. Instead of going through a third-party lender, you apply, get approved, and make payments all at the same dealership. Approval is based on your income — not your credit score.

Step by Step

How Does Buy Here Pay Here Work?

The process is simpler than traditional financing — no banks, no waiting, no hard credit check.

Apply in Minutes

Fill out a short application with your income, employment, and residency info. No bank forms, no hard credit pull.

Get Approved

The dealership reviews your income — not your credit score — and gives you an approval decision, usually in 10 minutes or less.

Pick Your Vehicle

Browse the inventory and choose the right car for your budget. Your down payment and payment are structured around what you can afford.

Make Payments

Pay the dealership directly — weekly, bi-weekly, or monthly. At EZ AUTO, every payment is reported to all three credit bureaus.

Side by Side

BHPH vs. Traditional Financing

Understanding the difference helps you choose the right path for your situation.

Factor

Traditional (Bank)

EZ AUTO BHPH

Approval based on

Credit score (650+ preferred)

✓ Income only

Bad credit OK?

✗ Usually no

✓ Always yes

No credit OK?

✗ Rarely

✓ Yes

Hard credit pull?

✗ Yes — affects score

✓ No

Approval time

Days to weeks

✓ ~10 minutes

Reports to credit bureaus

Yes

✓ Yes — all 3

Vehicle warranty

Varies — often none

✓ 12 months / 12,000 mi included

Same-day driving

✗ Rarely

✓ Most customers drive home today

Eligibility

Who Qualifies for BHPH Financing?

At EZ AUTO, we work with nearly everyone. Here's what you need to get approved.

💼

Steady Income

Any verifiable income works — employment, self-employment, Social Security, disability, or a combination. We want to see you can make the payment.

🪪

Valid Driver's License

A valid Florida driver's license or state ID is required. If your license is suspended, speak with us — there may still be options.

📍

Florida Residency

Proof of your current Florida address — a utility bill, lease agreement, or bank statement from the last 30 days.

💵

Down Payment

A down payment is required. The amount depends on the vehicle and your situation — we work with you to keep it as low as possible.

❌

Bad Credit? No Problem.

Bankruptcy, repossession, collections, missed payments — none of these automatically disqualify you. We approve based on where you are now, not where you've been.

🆕

No Credit? Even Better.

First-time buyers with no credit history are welcome. A BHPH loan at EZ AUTO is one of the best ways to establish credit from scratch.

Check If You Qualify — Takes 2 Minutes →

Common Questions

Buy Here Pay Here FAQ

Does Buy Here Pay Here hurt your credit?

It doesn't have to — and at EZ AUTO, it helps. We report every on-time payment to all three major credit bureaus (Equifax, Experian, and TransUnion) starting with your very first payment. Over time, consistent payments with us can meaningfully improve your credit score.

How much down payment do I need?

It varies by vehicle and your situation. Most EZ AUTO customers are approved with a down payment between $500 and $2,500. We build a payment structure around what you can realistically afford — not a one-size-fits-all number.

Is there a hard credit pull?

No. EZ AUTO does not run a hard credit inquiry. This means applying has zero negative impact on your credit score — you can apply with complete confidence.

What happens if I miss a payment?

Contact us before you miss a payment — we'd rather work with you than against you. Like any lender, missed payments are reported to credit bureaus and may result in late fees. Communication is key. Call us at (863) 940-9675 if you're ever in a tight spot.

What kind of cars does EZ AUTO have?

We specialize in Japanese vehicles — Toyota, Honda, Nissan, Mazda, Lexus, and Acura — known for their reliability and longevity. Every vehicle is reconditioned in our in-house shop before it hits the lot, and every car comes with a 12-month / 12,000-mile powertrain warranty.

Can I pay off my loan early?

Yes — there are no prepayment penalties at EZ AUTO. Paying your loan off early saves you money on interest and is always encouraged.

Is Buy Here Pay Here a good idea?

For people with bad credit, no credit, or a past repossession who need reliable transportation — yes, BHPH is often the best available option. The key is choosing a dealership with transparent pricing, a vehicle warranty, and credit bureau reporting. EZ AUTO offers all three.