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Here's a testimonial from one of our valued customers. Read more here!

  • "Very good experience we felt very comfortable, and would definitely recommend you to other people, thank you so much.... "
    Maurice J, Niagara Falls
  • "My sales rep was wonderful.The Company help me get back on the road fast and easy at very down payment to build my credit back up.... "
    Natokie W, Lockport
  • "It was a very good experience. I was able to work out a deal with the loan specialist that I was happy with. I will come back when I need another vehi... "
    Gary C, Lockport
  • "It was great... Everything from the vehicle I wanted to comfortable payments. A year later and i'm still in love with the vehicle I purchased. I didn'... "
    Wendy V, Lockport
  • "The sales rep was extremely helpful and both my daughter and I are very happy with the purchase of her 2001 chrysler PT cruiser.... "
    Barbara B, Lockport
  • "I am really happy with my experience with ezloanauto. I would be happy to purchase from them again in the future.... "
    Kevin S, Buffalo
  • "The salesman did everything he could to get me the car that I wanted. He was very attentive and I was happy with the service.... "
    April F, Lockport
  • "Awesome! It was so much easier than I expected, and I left with a car the day I went in.... "
    Karen J, Buffalo
  • "Excellent service !! When everyone else told me no sorry can't help you EZ loan said yes! The gentlemen who help me out was Norm. He was great!! Thank... "
    Roberto M, Buffalo
  • "I am extremely happy about my car buying experience with you. My salesman Frank was very knowledgeable about the business and made my transaction a pl... "
    Evelyn A, Niagara Falls
  • "They have went out of their way to take care of me and my current vehicle after the problems with my first vehicle from E-Z Loan.... "
    Bonita B, Lockport
  • "It's been great, you all are willing to help in anyway possible to make sure your customers are happily satisfied driving off the lot. I'm on my secon... "
    Shaquanda R, Buffalo
  • "I've been very happy with my '05 Santa Fe. I've told all my friends and anyone looking for a car about EZ Loan. I work in a store downtown and have to... "
    Linda D, Buffalo
  • "My experience was amazing.I heard a radio commercial on 93.7 WBLK in Buffalo,NY.When we got there it was very welcoming and immediately got a help.The... "
    Renee P, Buffalo
  • "Very easy to work with. Friendly people. I've bought two cars and will buy again. I recommend them to everyone.... "
    James O, Niagara Falls
  • "I love your customer service couldn't ask for better service.... "
    Debra M, Niagara Falls
  • "It was a very inviting easy and friendly experience. I loved everything about the process. With easy auto loan.... yes you can!!!!... "
    James H, Lockport
  • "I was very pleased and very thankful for the help and the time they spent with me to get the car that was on my budget and current situation. Definite... "
    Wilson L, Lockport
  • "It was easy. Everyone was absolutely wonderful. I was driving away in a new car in no time! Everything has been great ever since. Thanks E-Z loans!!... "
    Jessica Z, Niagara Falls
  • "It was the best experience ever. Everyone at the Niagara Falls, NY store has always been ready, willing and able to help us. Right from day one, they... "
    Robert H, Niagara Falls
  • "I have been with EZ Loan for approx. 5 years now, on my second vehicle. I am very happy and satisfied with everything and everyone at EZ Loan.... "
    Mark M, Buffalo
  • "The service was outstanding. Mykiel was very helpful with the whole process. All employees there seemed happy to be there which is not something you s... "
    Lamarr G, Lockport
  • "This is my second car loan from EZ loan. I have always received the best customer service. I would definitely recommend EZ loan to my family and frien... "
    Doretta C, Buffalo
  • "I've had nothing but wonderful experiences with EZ Loan. I referred my mother and my best friend, both of which purchased their vehicles from EZ Loan.... "
    Sara M, Buffalo
  • "I love this place. As I am building my credit EZ was my only option Almost 2 years ago when I first walked through the door. Also having a unfortunate... "
    Kerry W, Niagara Falls

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Get up to $500 with Monday Match!

MONDAY MATCH! We will match your down payment up to $500 on these select vehicles every Monday in June. Apply now to make your appointment with one of our Loan Specialists!

Buy Here Pay Here

E-Z Loan Auto Sales is proud to be WNY's largest Buy Here Pay Here auto dealer. We provide fast approval, E-Z financing and the opportunity to drive away today. We believe in Yes You Can and have helped our WNY community drive away in a vehicle that fits their needs, at a price they can afford. By working with us, you are giving yourself the opportunity to repair or rebuild your credit with each on time payment. That's what makes us unique and makes us WNY's largest and leading Buy Here Pay Here auto dealer.
Click here to apply now to join the E-Z Loan family!

We are Hiring!

Join our growing team! We are now hiring a Service Coordinator/Manager! Interested applicants should mail resumes to sarah@ezloanauto.com.

Click here for full job description!

5 Star Reviews!

E-Z Loan Auto Sales, Inc. BBB Business Review             
See our 5 star Google reviews!

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Our Inventory

Body Type
Sedan> Sedan
Coupe> Coupe
Convertible> Convertible
Wagon> Wagon
Truck> Truck
Van> Van
Hatchback> Hatchback
Hybrid> Hybrid


Used BHPH Cars Western New York

E-Z Loan Auto Sales is the premier Buy Here Pay Here / Special Finance Used Car Dealership in all of Western New York including three convenient locations in Buffalo, Lockport, and Niagara Falls, NY. At E-Z Loan Auto Sales, we believe in looking toward your future and not your past. We don't let your credit history stand in the way of purchasing a quality used car, truck, van, sedan or SUV. We have helped New York and Buffalo residents re-establish their credit while driving a high quality used car. We have accomplished that service by looking toward their future and their desire to have a fresh start. We do not use outside commercial lenders and offer in-house financing to provide bad credit car loans and no credit auto loans. 

Just apply online to get approved. You can drive away today in a quality, safe used car, van, truck, or SUV with a fast approval and E-Z financing. 

If you live in the New York or Buffalo area and have poor credit or have recently had your credit score lowered which is preventing you from purchasing a used car, you can buy a used car here at E-Z Loan Auto Sales.We understand that consumers are experiencing challenging times financially and E-Z Loan Auto Sales has the solution. At E-Z Loan Auto Sales, we inspect all our cars and offer affordable, quality used cars. Let us help you get into the car you need and your credit up to speed. We look forward to hearing from you!

At E-Z Loan Auto Sales, we feel that we have the best used Cars, Trucks, SUVs and Vans that Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY has to offer. If you’re looking for a slightly used, Pre-Owned Car, Truck, SUV or Van then you have come to the right place! Here at E-Z Loan Auto Sales in Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY we offer, “Buy Here Pay Here” auto financing to consumers in Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY with bad credit or no credit we have Guaranteed Credit Approval. Traditionally the types of vehicles that BHPH dealers offer are high mileage and late model inventory, but here at E-Z Loan Auto Sales we feel that we offer the best deals on the best used or pre-owned Cars, Trucks, SUVs and Vans in Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY. Do you have bad credit? If you do that’s ok! Have you ever been divorced, again that’s okay! Even if you’ve had a past repossession, don’t worry at E-Z Loan Auto Sales we understand your situation and we are here to help you get approved for your used Car, Truck, SUV or Van of your dreams today! If you need a Bad Credit Used Car Loan, Subprime Auto Loan or In House Auto Loan well here at E-Z Loan Auto Sales have Guaranteed Credit Approval! Looks like you’ve come to the right place, whether your one of our many repeat customers or you’re looking for your first vehicle and you have bad credit or no credit at all we will get you approved. We feel that we are the best “Buy Here Pay Here” dealer in Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY. Here at E-Z Loan Auto Sales you will notice that we take pride in our inventory, we let the vehicles sell themselves. We feel that we have the best selection of used Cars, Trucks, SUVs and Vans, and we also offer Bad Credit Auto Loans, Subprime Auto Loans, In House Auto Loans and No Credit Auto Loans. Buy Here Pay Here (BHPH) means that no traditional bank approval is necessary to purchase a vehicle here at E-Z Loan Auto Sales. Even if your FICO score is less than 600, which would traditionally prohibit a Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY resident with bad credit or no credit from getting approved for an auto loan. Well don’t worry here at E-Z Loan Auto Sales we have extremely high % loan approval ratings, we can help facilitate getting you approved for the used Car, Truck, SUV or Van of your dreams! Most Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY BHPH dealers tend to stock high mileage inventory that ends up breaking down on you only a couple months after you buy it, and then they leave you with that annoying monthly bill. Well not here, E-Z Loan Auto Sales takes the extra mile to make sure that the used Car, Truck, SUV or Van is ready to drive off the lot and continue to impress you the longer you have it. Here at E-Z Loan Auto Sales we put all our vehicles through an extremely rigorous inspection before we put the E-Z Loan Auto Sales name on any Car, Truck, SUV or Van. So what are you waiting for, come on down to 2227 Elmwood Ave, Buffalo NY 14216, 6145 South Transit Rd., Lockport NY 14094 or lastly at 9635 Niagara Falls BLVD., Niagara Falls, NY 14304 today and see how we are becoming the best Buy Here Pay Here dealer in Lockport NY, Buffalo NY, Niagara Falls NY and all of Western NY! 

E-Z Loan Auto Sales
2227 Elmwood Ave, 
Buffalo NY 14216
E-Z Loan Auto Sales
6145 South Transit Rd.
Lockport NY 14094
E-Z Loan Auto Sales
9635 Niagara Falls BLVD. 
Niagara Falls, NY 14304