Your Trusted Partner in
Auto Financing Since 1985
Buy Here today with 100% guaranteed credit approval.
Buy Here Pay Here the Easy Way
Since 1985, Instant Auto Finance has been committed to providing exceptional service and support to our customers. For over four decades, we’ve proudly served our communities from Elkhart, Mishawaka, Goshen, and Indianapolis with our convenient Buy Here Pay Here approach.

Car Buying: Accessible and Hassle-Free
Our goal is simple: make car buying accessible and hassle-free for everyone—no matter your credit situation. Whether you’re searching for “bad credit car financing,” “used car dealerships near me,” or need flexible in-house financing, our friendly team is here to help. Discover our wide selection of reliable vehicles, personalized payment options, and top-notch customer care. When it comes to finding a car you can depend on, Instant Auto Finance is the name you can trust to get you on the road with confidence.

Why Choose Us?
100% Guaranteed Credit Approval
Our experienced finance team works tirelessly to ensure you get approved, no matter your credit situation.
Recent repo? You still need a car!
Bad credit? We’ve got you covered!
Divorce or Bankruptcy? You’re approved!

Worry-Free 30-Day,
No-Hassle Exchange
If you’re not completely satisfied with your purchase, you can exchange it within 30 days, no questions asked.
Love it or exchange it!
30-Days or 500 Miles
Stress-free car buying experience
Customer satisfaction guaranteed
Free 12-Month, 12,000 Mile Warranty
Drive with confidence knowing your car is protected for the next year or 12,000 miles.
Peace of mind with every purchase
Comprehensive coverage
No additional cost to you

We Report to the Credit Bureaus
Every on-time payment you make helps you build a positive credit history, setting you up for future financial success.
Build or rebuild your credit
Improve your credit score
Secure your financial future

Locations
Vehicles
Financed
Find Your Perfect Car Today
Browse our extensive inventory of quality vehicles and take the first step towards driving away in the car you deserve. With our easy financing options and unparalleled customer service, Instant Auto Finance is your ultimate destination for hassle-free car buying


Visit a Location Near you

Browse our extensive inventory


Find Your New Vehicle


Get Instant Auto Financing
Find Us

Elkhart: 574-262-2617
Goshen: 574-975-9990
Mishawaka: 574-259-7411
Indianapolis: 317-259-7999
Instant Auto Finance
Your Approval is 100% Guaranteed!
Operating since 1985.
Contact Us