E-Z Loan Auto Sales
Buffalo: (716) 961-0480
Lockport: (716) 906-8600
Niagara Falls: (716) 402-7700

Financing Benefits

If you’re suffering from bad credit or have no credit and it has caused you many headaches in getting financed, we are here to help. We understand that unfortunate situations happen in life; we see past that and see the potential for your future. When you have an understanding of the benefits of a Buy Here Pay Here (BHPH), you may realize this is your best option yet. 

How can you benefit from buying with us?

• Availability of financing: We give credit challenged people the opportunity to get much needed transportation and can get you approved regardless of past credit history or credit score. Get your fast approval and apply below using our simple application form. 

• Shorter term auto loans: No long commitments – get your car paid off fast and your credit rebuilt quickly.

• Affordable down payments: On approved credit, down payments start as low as $500.

• Enhanced trade in flexibility: We understand the value and benefit of getting long-term use out of cars that many traditional dealerships may not accept. Trade-ins can be applied toward the down payment.

• Affordable payments: we are 100% invested in your ability to make your payment so we pay careful attention to make sure the monthly payment is within your budget.

• Focused on quality vehicles: Bad credit shouldn’t prevent you from getting a good vehicle. Having a safe vehicle is an important part of being able to make your payments. We have hundreds of used cars, used trucks, used vans, and used SUV's available to you. We have more newer, lower mileage inventory than ever before.


• Limited Warranty: Each and every vehicle we sell includes a 24 month/24,000 mile limited warranty. This is not an add-on, as many dealers will do – this is included with your vehicle! 

• Rebuild your credit: As you make your payments to our finance company, they will report your good credit to all three major credit reporting agencies. If you consistently make payments on your car loan, over time, your credit score can improve which can give you and your family more credit opportunities for less money. 

We look forward to you working with us, WNY's largest Buy Here Pay Here Auto Dealer to help with your credit and transportation needs! Contact us below with questions or comments and we will be sure to get back to you immediately with the answers you're looking for! 

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