Buy Here Pay Here
In-House Financing
Urban Auto is a buy-here-pay-here dealership. Bad credit, no credit, bankruptcy, repossession — it doesn't matter. We make the loan decision, not a bank. Apply online or visit us in person.
Why Buy Here Pay Here Works
No banks. No credit bureaus. We finance the car ourselves so you can get approved and driving the same day.
No Credit Check
We never run your credit. Approval is based on income and stability.
High Approval Rate
We say yes when traditional banks say no.
Fast Process
Most customers get approved and drive home the same day.
Low Down Payments
We work with your budget to find a down payment you can afford.
What You Need
Bring these items with you and we'll handle the rest.
- Valid driver's license or government ID
- Proof of income (pay stubs, bank statements, benefits letter)
- Proof of residence
- Down payment
- References
Quick Approval Check
Fill in your details and we'll contact you within one business hour.