Why Instant Auto Finance?

10 Minute Credit Approvals

Instant Auto Finance was the first Buy Here Pay Here dealership to offer buyers a free 365 day (1 year) or 12,000 mile warranty and 10 minute credit approvals!

Deposit Program

If you need time to prepare for your complete down payment, remember we are here to help you buy a car not just to sell you a car!

Your credit score does not matter!

Instant Auto Finance has been serving car buyers with financing needs for over 40 years. We specialize in challenged credit, no credit or marginal credit. We have the ability to fit your needs. Life often deals you some unexpected complications due to bankruptcy, divorce, medical bills, temporary job loss and many other issues that may have affected your credit in negative ways but don’t worry and leave it up to us. We WILL get you financed! We are the home of fastest and most courteous service the Buy Here Pay Here industry has to offer! At Instant Auto Finance we are the home of 100% guaranteed credit approval. Everyone qualifies regardless of their credit history. That’s right EVERYONE! There’s no secret.

We simply make it easy to qualify. We also do things a little different at Instant Auto Finance with your down payment. We don’t assign a “one down payment fits all” to our vehicles, your qualifications and the unit you select will determine the minimal amount of a down payment we will require at the time of purchase. We also look at your trade in as cash. We assign the value we can give you and as long as that exceeds any amount you would owe on your car that amount can be applied to your down payment. If you have a free and clear title with no money owed on your car, 100% of your trade in value will be credited to your down payment resulting in less money out of your pocket at time of purchase and often times financing less on the car for a lower payment.

We also have a deposit or lay-a-way program. If you need time to prepare for your complete down payment, remember we are here to help you buy a car not just to sell you a car! With an inventory of around 350 units daily we should have a unit you desire. If not we will do our best to locate one for you so you are getting the unit you want.

Instant Auto Finance was the first Buy Here Pay Here dealership to offer buyers a free 365 day (1 year) or 12,000 mile warranty and 10 minute credit approvals! Our warranty gives our customers the peace of mind that their investment in an Instant Auto Finance vehicle is secure. We know our customer’s lives are busy so we came up with an easy method to qualify buyers in 10 minutes or less. Another industry first is our “Hassle Free Exchange Policy”. This allows you to buy with the utmost confidence. Simply put if you are unhappy in any way, or see a unit of equal value for sale on our lots, within the first 30 days or 500 miles you can “exchange” your purchase for another for ANY reason. All payments and down payment will be credited to the vehicle you exchange into (see salesman for details). We also offer buyers a way to save money over the life of their vehicle loan with our various flexible financing plans. Along with our various financing options for you we offer weekly, biweekly and monthly payment plans to aid in your successful completion of your contractual obligation of payments.

We offer a $100.00 referral bonus with no limit that pays if you send a new customer to us and that person purchases a vehicle. We want everyone who shops at Instant Auto Finance or buys a vehicle to refer us to friends and family and we know the only way that will happen is if all our customers are satisfied customers!