Financing FAQ's
How Does Financing at Auto Deals Unlimited Work?
At Auto Deals Unlimited, we believe that every customer deserves access to reliable transportation-regardless of credit history. Our in-house Buy Here Pay Here financing program exists to help customers who may have been turned down elsewhere, are rebuilding their credit, or simply want a more flexible, straightforward path to getting approved. Because we are the bank, the lender, and the dealership all under one roof, we can structure options that traditional lenders often cannot.

Whether you've faced past credit challenges, had a vehicle repossessed, recently changed jobs, or simply haven't built credit yet, our goal is to make the financing process easy to understand and stress-free. Below you'll find answers to many of the common questions customers ask about Buy Here Pay Here financing, how our approval process works, and what you can expect when choosing Auto Deals Unlimited for your next vehicle.
Understanding Our In-House Financing Program
Unlike traditional dealerships that rely solely on banks or credit unions, Auto Deals Unlimited provides financing directly to our customers. This means your loan stays with us, your payments are made to us, and your approval is determined by our team-not by an outside lender who may only look at your credit score. We take a much more personal and comprehensive approach, evaluating your income, stability, down payment, and ability to afford your payments.

Our mission is rooted in fairness, transparency, and opportunity. We never judge customers based on past mistakes. Instead, we focus on providing solutions that help people move forward. By offering Buy Here Pay Here financing, we give customers the chance to build or rebuild credit, drive a dependable vehicle, and establish long-term financial success.

Designed for Real People and Real Life
Life can be unpredictable. Job changes, medical bills, divorce, unexpected expenses, and many other situations can cause credit issues that make traditional loans difficult to obtain. Our program is designed specifically to help people overcome these challenges. We look at the full picture-not just the number on a credit report.

We also understand that reliability matters. That's why our vehicles undergo thorough inspections, and many include service packages designed to keep you on the road with confidence. When combined with our flexible financing options, Auto Deals Unlimited becomes a partner you can rely on before, during, and long after the purchase.

Clear Terms, Straightforward Payments
When you finance through our Buy Here Pay Here program, you can expect clear communication and straightforward terms. We explain everything up front, including payment schedules, down payment requirements, and any available warranties or service agreements. Because we manage your loan in-house, we're here to answer questions, help you stay on track, and work with you if challenges arise.

Many of our customers appreciate that we offer flexible weekly or bi-weekly payment options, allowing them to match their budget and income schedule without stress. With every on-time payment, you're building a stronger financial foundation.

Financing Questions & Answers

What is Buy Here Pay Here financing?

Buy Here Pay Here (BHPH) financing means that Auto Deals Unlimited provides the loan directly to you instead of using an outside bank. You make your payments to us, and we handle the entire financing process in-house.

Do I need good credit to get approved?

No. We specialize in helping customers with bad credit, no credit, or past financial challenges. Your approval is based on your current income, stability, and ability to make payments-not your credit score alone.

How much money do I need for a down payment?

Down payment amounts vary depending on the vehicle and your financial situation. Our team will work with you to determine the most affordable option possible.

Can I get approved if I've had a repossession?

Yes. Many of our customers have had repossessions in the past. We understand that life happens, and we look at your current ability to pay rather than your past difficulties.

Do you report my payments to the credit bureaus?

Yes. Making consistent on-time payments can help you build or rebuild your credit over time. This is one of the biggest advantages of our in-house financing program.

What documents do I need to apply?

Most customers only need proof of income, proof of residence, a valid driver's license, and references. Additional documentation may be requested depending on your situation.

How long does the approval process take?

Many customers are approved the same day. Because we process everything in-house, approvals are typically quick and straightforward.

Can I choose my payment schedule?

In many cases, yes. We offer weekly or bi-weekly payment options based on your pay schedule to help make budgeting easier.

Will I need a co-signer?

Most customers do not require a co-signer. Because we look at your income and stability rather than relying on credit scores, our approval process is more flexible.

What if I'm self-employed?

Self-employed customers can still qualify. We may ask for additional proof of income such as bank statements or tax documents.

Do you check my credit?

We may check your credit as part of the approval process, but it is not the deciding factor. Your approval is based on your current situation, not your score alone.

Can I trade in my current vehicle?

Yes. Trade-ins are welcome and can help reduce your required down payment or lower your monthly payments.

What happens if I have trouble making a payment?

If you experience financial difficulty, contact us right away. Because we service your loan directly, we can often work with you to find a temporary solution.

Are your vehicles inspected?

Yes. All of our vehicles undergo inspections, and many include additional protection plans to help keep you on the road with confidence.

How soon can I drive my new vehicle?

In many cases, customers can drive home the same day they're approved. The process is fast, simple, and designed to get you on the road as quickly as possible.