📋 The Complete Checklist

What You Need to Buy a Car at EZ AUTO Lakeland

✅ Five Things — No Credit Score Needed

Bring these five things to 1612 W. Memorial Blvd and you can apply, get a decision in about 10 minutes, and drive home the same day. We approve by income, with no hard credit pull.

✅ Apply Online First — About 5 Minutes → 📞 (863) 940-9675

Bring With You

Documents to Bring

Having these in hand is what makes a same-day purchase possible.

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1. Florida Driver's License

A valid Florida driver's license. If yours is from another state or is suspended, call us first at (863) 940-9675 so we can tell you your options.

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2. Proof of Income

Recent pay stubs are preferred. Bank statements also work, which helps if you are self-employed or paid in cash.

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3. Proof of Residence

Something recent with your name and address on it, such as a utility bill or your lease.

At Signing

Money and Insurance

These two are needed on the day you sign and take the car.

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4. Your Down Payment

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

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5. Insurance

Insurance is required at signing. Florida law requires liability coverage, and your loan requires collision and comprehensive coverage on the car.

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Two Ways to Cover the Car

Bring your own full-coverage policy (deductible of $500 or less, EZ AUTO Capital listed as lienholder), or use our CPI coverage, which adds $59.50 to each bi-weekly payment.

Leave at Home

What You Do Not Need

Things other dealerships ask for that we do not.

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A Good Credit Score

We do not use your score to decide. Bad credit, no credit, a past repossession or a bankruptcy does not rule you out.

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A Bank Pre-Approval

We are the lender. There is no bank application and no hard credit pull.

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An Appointment

Walk in Monday to Friday 9am–6pm or Saturday 10am–4pm. Applying online first saves time at the lot.

Common Questions

FAQ — Requirements to Buy a Car at EZ AUTO

Bring a valid Florida driver's license, proof of income (pay stubs preferred, or bank statements), proof of residence such as a utility bill or lease, and your down payment. Insurance is required at signing.

Yes. A valid Florida driver's license is required. If your license is from another state or is suspended, call (863) 940-9675 before you come so we can tell you your options.

Recent pay stubs are preferred. Bank statements are also accepted, which is useful if you are self-employed or paid in cash.

Yes, insurance is required at signing. You can bring your own full-coverage policy with a deductible of $500 or less and EZ AUTO Capital listed as lienholder, or use our Collateral Protection Insurance (CPI) for the collision and comprehensive part at $59.50 per bi-weekly payment. Florida law still requires liability coverage.

Down payments start around $1,000, and most customers put between $1,500 and $2,500 down. The exact amount is shown on each vehicle's listing.

Have your documents? Apply now — about 10 minutes

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

✅ Apply Now → 📞 Call (863) 940-9675

Requirements for Buy Here Pay Here Financing at EZ AUTO in Lakeland, FL

To buy a car at EZ AUTO, 1612 W. Memorial Blvd, Lakeland, FL 33815, you need five things: a valid Florida driver's license, proof of income (pay stubs preferred, bank statements accepted), proof of residence, a down payment, and insurance at signing. You do not need good credit, a co-signer from a bank, or an appointment. Approval is based on income with no hard credit pull, and most decisions take about 10 minutes. For the details, see how CPI insurance works, how much to put down, and every vehicle in stock with its down payment.