Buy Here Pay Here Financing

Financing Made Simple

At RAM Auto Mart, we believe everyone deserves reliable transportation. We finance directly — no banks, no runaround. Your job is your credit.

How Buy Here Pay Here Works

Unlike traditional dealerships, we are both the dealer and the lender. This means we have full control over approvals.

Bad credit, no credit, bankruptcy, repossession — we work with every situation.

Low down payment options tailored to your budget. Trade-ins accepted toward down payment.

Most applications reviewed within hours. Drive home today with fast approvals.

Work directly with our team. No automated systems — real people helping real families.

On-time payments help rebuild your credit score for a better financial future.

Convenient weekly or bi-weekly payment options that align with your pay schedule.

Valid driver's license

Proof of income (pay stubs or bank statements)

Proof of residence (utility bill)

Down payment

Full coverage insurance (can be arranged)

Active phone number

Not sure if you qualify? Apply anyway — there is no obligation and we review every application personally.