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.
Susan Hammond
Mishawaka: Great Experience! The process was super quick and easy. Even wanted to test drive a car that they didn’t have on their lot, and they drove it over so I could test it.
Keri Reynolds
Mishawaka: Great customer service!! Very helpful in getting me into a new vehicle! Definitely recommend coming here to get your next vehicle!! They are awesome!!
Garrett Stephens
Elkhart: Very detailed and professional. I worked with Gavin, and he was extremely helpful in finding something in my budget and getting me approved with some not-so-great credit. He worked with me…
Dorothy Murphy
Elkhart: WOW, when I say Gavin is the best, he really is, thank God for him. Helped me in and out within an hour, I was ready to drive off in my new whip😁 Thanks Gavin for being so great. I recommend that anyone who’s looking for great customer
Michelle Sigerich
Goshen: Super easy to work with, even with some snags in our application. He went through each vehicle in our price range and was honest about each vehicle. I test drove one vehicle and ended up purchasing it! Will recommend to friends/family!
Arthur Lambert
Goshen: Josh at the Goshen lot is amazing. This is about number 7th vehicle I have bought. He made the process so easy and quick. I would highly recommend going and seeing Josh. He can have a vehicle brought from another lot, also if you see one you want.
Tyler Shank
Indianapolis: Jenna was the best and worked so hard to put me in the right car! The warranty and finance team is top-notch and extremely supportive! At 19 and with my first financed car, I’m leaving this dealership very happy with Instant Auto Finance!!
Quentin Mcdade
Indianapolis: In just a matter of minutes, she had completed all the paperwork and made it ready for me to sign. Not only was she efficient, but she was also incredibly kind and down-to-earth. Her professionalism was top-notch, and she made the whole process a breeze even with it
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
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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

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Browse our extensive inventory

Find Your New Vehicle

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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.
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