Financing FAQs

Do you have auto financing?

Yes – We have auto financing available for the vehicles we have in inventory, including buy here pay here (BHPH), bank, and credit union financing. There are options whether you have good or bad credit.  When you apply online or at the dealership we will check to see what programs you are qualified for.

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How does your buy here pay here program work?

Our buy here pay here financing program can get you approved even if you have bad credit, no credit, a bankruptcy, foreclosure, or repo. We recognize that there are good people who have hit bumps in the road and that has affected their credit, and that’s where our BHPH program comes in.  Our BHPH is different from many other other car dealerships that finance bad credit in Denver because:

  • Our buy here pay here is, on average 3-4 years; shorter than the loan terms for many other BHPH dealers and banks.

What do I need to bring in with me to get financed?

It’s easy to get buy here pay here approval by bringing in the following items on your test drive appointment.

  • Driver’s license
  • A list of 8 references including names, addresses and phone numbers
  • Your two most recent pay stubs
  • Two items to prove your residence, which can include a copy of your lease, a utility bill (such as Comcast, Xcel, water, etc) with your name and address dated within the last 30 days.

Bringing these will make your approval process faster.  Please call us if you have any questions about what to bring prior to your appointment at the dealership!

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Who is Meta Financial Services, Inc?

Meta Financial Services, Inc. is our exclusive in house financing company. Meta allows us to approve customers with LESS THAN PERFECT CREDIT.

How often will I need to make payments?

Terms are: weekly, bi-weekly, semi-monthly and monthly, to accommodate your pay schedule.

Do you report to the credit bureau?

We report to the credit bureaus, this gives you an opportunity to raise your credit score with an on time payment history.  We report your entire payment history to the credit bureau, not just late payments.  This gives you the opportunity to work on your payment history which affects your credit bureau score.  We have buyers who have financed their first car with our buy here pay here program, and have been able to get a bank loan the next time they purchased a car.

How can I make my payments?

We make it easy for you to make your car payment.  You may make your payment at the dealership, with a credit card over the phone, or online with a PortalPay account login.

Get approved: Apply Now.

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