We specialize in helping people with bad credit or no credit get reliable, used vehicles. All financing is done in-house—meaning we approve and service your car loan directly, not through outside banks or lenders.

Our loans typically start at 12% APR, with most terms running 24–36 months. This structure often results in lower total interest paid compared to longer, higher-rate loans at other subprime dealers. Your exact rate and payment will depend on your individual situation, but we work to keep things as affordable as possible.

Most customers put down as little as $200, and with our $77 Down Program, you could qualify to drive away for just $77 upfront. Trade-ins are accepted, and returning customers may even qualify for $0 down. We do everything we can to make car ownership possible, no matter your budget.

We offer a wide selection of late-model used vehicles—sedans, SUVs, trucks, and minivans. All inventory is fully serviced by our in-house team and backed by a 12-month/12,000-mile warranty, even if a car has higher mileage. Each vehicle is inspected for safety and reliability before it goes on the lot.

You’ll need a valid Pennsylvania driver’s license, proof of income, a down payment, and a few references. Bring recent pay stubs or other income documents and proof of address. If you’re unsure about a specific requirement, just ask—we’re here to guide you through every step.

Most customers are approved in 20 minutes or less. If you bring all required documents, you could drive home the same day. Our application process is designed to be quick, easy, and stress-free—no waiting for banks or endless paperwork.

You can pay online, by phone, in person at our offices, or set up automatic payments. We offer weekly, biweekly, or monthly schedules to match your budget and help you stay on track. Visit our Make a Payment page to get started or adjust your plan.