You’ve got your eye on a reliable ride, but every time you check your credit score, it feels like the dealership doors slam shut. Sound familiar? At Joe’s Auto Sales, we believe everyone deserves the chance to get behind the wheel, whether you have great credit, no credit, or credit that’s taken a few wrong turns. That’s where our Buy-Here-Pay-Here (BHPH) financing comes into play.
Unlike traditional dealerships that rely on banks or third-party lenders, BHPH dealerships handle the financing in-house. That means when you buy a vehicle, you make payments directly to the dealer. No outside lenders. No lengthy loan approvals. Just a straightforward path to getting the car, truck, or SUV you need.
If your credit history is less than perfect—or non-existent—BHPH can be a game-changer. Because we approve loans based on more than just your credit score, you have a much higher chance of getting approved. Our focus is on your current ability to make payments, not just your past financial mistakes.
Our BHPH program offers shorter loan terms and flexible payment schedules. So, if you're not sure what you can afford or how to pay, we’ll work with you to find a payment plan that fits your budget. Weekly, bi-weekly, or monthly—your payment schedule is designed to help you succeed, not stress you out.
Here’s the best part: when you make your payments on time, you can actually improve your credit score. That means you’re not just driving away in a dependable vehicle, you’re also building a stronger financial future with every payment.
Bad credit or no credit shouldn’t hold you back from getting the used vehicle you want or need. With Joe's Auto Sales' Buy Here Pay Here program, you’re in the driver’s seat—literally and financially. Let’s get you matched with a vehicle you’ll love and a payment plan you can manage. Contact us today at our East location at (317) 405-8545 or South location at (317) 756-9180 to start your journey toward reliable transportation.
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