How Does It Work FAQ's?

What are the minimum requirements to get approved?
Customers typically must have a valid driver’s license, at least $1,950 in provable monthly income, and live within 40 miles of one of our locations. However, every situation is looked at uniquely so feel free to contact us to discuss your options.

I have been turned down at so many other places how can you approve me?
We set the financing criteria so we have a lot more flexibility in getting you approved then a typical lending bank. Bad Credit, No Credit, Repos, Bankruptcies, Fixed Income, we can help!

Do I need a huge down payment?
No, we have low down payments and low payments to fit every budget.

I have trouble proving my income, is that a problem?
We have a lot more flexibility in income verification, call us and see what documents you can bring to replace a paystub.

Can I get approved with prior vehicle repossessions?
Yes! Prior repossessions make it super hard to get auto financing; at Earl's Credit Auto Sales we can help put that behind you with a good car loan on your credit!

Can I get approved if I have no credit established?
Yes! This is a great place to get your credit established.

It all sounds great, but my friend says BHPH dealers sell junk cars?
That is a common misconception that buy here pay here dealers sell bad cars. On the contrary, because you make payments to us we are EXTRA invested in making sure you drive off in a dependable vehicle. That is why we quality inspect and certify them all and give you free oil changes and offer a nice warranty. Other dealerships that sell your loan off to a bank have far less of an investment in things like if your car breaks down or if your payments are out of your budget. They are much more likely to take you for a ride!