Buy Here Pay Here, Outside Financing, or Cash
Three ways to buy and no fourth: in-house Buy Here Pay Here, financing you arrange with your own bank, or cash.
We finance in house. That means the note is ours, the decision is ours, and the owner reviews your application himself — there is no lender network behind the curtain and no one else deciding your deal. Fill out the Buy Here Pay Here application online and we will tell you what we can do.
If you would rather bring your own money, that works too. Plenty of our customers show up with an approval from their own bank or credit union, or with cash. Those are the three ways to buy here. Prices are what they are and terms are what they are, and we will tell you both straight.
How the Buy Here Pay Here Application Works
You give us the basics — name, address, income, employment, and the down payment you have to work with. The owner reviews it in house, then we talk about which vehicles on the lot fit a payment you can actually keep current.
There is no instant automated answer and we are not going to pretend there is. A real person reads your application, and you deal with that person for the rest of the process.
- In-house Buy Here Pay Here — we carry the note
- Outside financing accepted from your own bank or credit union
- Cash welcome
- Down payment and trade-in both shape the deal
Why Apply Before You Shop
Knowing your down payment and payment range before you shop keeps you from falling for a vehicle that does not fit your budget. Apply first, then pick from what fits.
It also shortens the time you spend at the lot, because most of the paperwork is already handled before you arrive.
All Credit Situations Welcome
Because we finance in house, your credit score is not the whole story. Steady income, time on the job, and a down payment matter more here. Rebuilding after a bankruptcy or a repossession, or buying your first car with no history at all — apply and find out.
Frequently Asked Questions
Who approves the Buy Here Pay Here application?
The owner does, in house. We carry the note ourselves, so the decision is not made by an outside lender.
How long does the application take?
A few minutes to fill out online. We follow up by phone once the owner has reviewed it.
Is an approval guaranteed?
No. Approval depends on your income, employment, down payment, and the vehicle. We will tell you straight either way.
Can I apply with bad credit?
Yes. Buy Here Pay Here exists for exactly that. Income, employment, and down payment carry more weight here than your score.
What do I need to apply?
Basic personal information: name, address, income, employment, and the down payment you plan to make.
Can I bring my own financing?
Yes. Bring an approval from your own bank or credit union, or pay cash. Those are the other two ways to buy here.
Can I use a co-signer?
Yes. A co-signer can strengthen a thin or challenged application. Mention it when you apply.
Where is It Is What It Is Auto Sales located?
We're at 1202 4th St NW, New Philadelphia, OH 44663, serving Tuscarawas, Stark, Holmes, Wayne, and surrounding counties. Call us at (330) 572-7215.