No turn down Automobile financing!

Financing a vehicle is never a problem at Payless Car Sales!

We are a Credit Union Advantage approved dealer, which means we have access to most of the major credit unions in the Arizona Credit Union network as well as many local and national lenders to get you the financing you need with interest rates as low as 5.00% APR and terms up to 84 months!!!

If you're looking for a great finance rate, low payments or have current or previous credit problems, we are an "A" rated dealer with the Better Business Bureau and have 100% feedback on eBay Motors, so you can trust doing business with us! We have over 50 years of experience in the special finance industry and work directly with special finance lenders to get you an automobile loan TODAY!


Due to privacy concerns, we do NOT do credit checks over the phone. However, you can apply online for pre-approval in minutes!

To fill out an application now, Click here! Fast Online Auto Loan Application!

If you have questions, please read the frequently asked questions below or click here to send us an e-mail:

I have a question


Payless Car Sales has an exceptional record of helping car buyers get the financing they need, even with less than perfect credit!!!




If you're looking for a great finance rate, low payments or have current or previous credit problems, we over 50 years of experience in the special finance industry and work directly with special finance lenders to get you an automobile loan TODAY! The knowledge and expertise we have gained through years of bad credit car loan financing experience enables us to give you the best assistance possible for your personal situation.

NO MONEY DOWN financing available with your paid for trade-in!
To get a fast trade-in appraisal, just click the trade-in appraisal button at the top of our website!

Most buyers are approved in less than 1 hour! Apply Today, Drive Today! Buy Here Pay Here Used Car Financing! Auto Loans for Good Credit, Bad Credit, Bankruptcy, No Credit, or Repossessions! Bad credit auto loans in Arizona, no credit auto loans in Arizona, buy here pay here auto loans in Arizona? At Payless Car Sales, we guarantee fast, easy GUARANTEED CREDIT APPROVAL for an auto loan in Phoenix, Apache Junction, Anthem, Avondale, Chandler, Chino Valley Cottonwood, Yuma, Lake Havasu, Flagstaff, Gilbert, Glendale, Kingman, Mesa, Prescott, Sedona, Tempe, Tucson, Queen Creek, Gold Canyon, Maricopa, the Verde Valley, Winslow, and all of Arizona!


The world has not come to an end because of the credit crunch or the fewer options when applying for an auto loan. It has become more difficult to get a vehicle if you have bad credit but it is not impossible. The key to finding a auto loan without spending days of frustration going from dealer to dealer getting the embarrassing "I'm sorry sir, we cannot get you approved because of your bad credit" or "I'm sorry but you have been turned down by all of our banks." going to the right place like Payless Car Sales when you apply for that bad credit auto loan makes all the difference! We approve most people for an auto loan within 1 hour!



FREQUENTLY ASKED QUESTIONS


Bankruptcy Auto Loans:

Bad things sometimes happen to good people. Payless Car Sales is the leading provider of car loan services for people who have filed a Chapter 7 bankruptcy in Arizona, even if you just filed! We help people get an auto financing with bankruptcy. We have several aggressive lenders as well as our "Guaranteed Credit Approval" program that provides funds for people with bad credit bankruptcy, no credit bankruptcy, multiple foreclosures bankruptcy, multiple repossesions bankruptcy and Chapter 7 bankruptcy.

In fact, we help people who have just filed or have an open bankruptcy get an auto loan to buy a car. So, if you have had a bankruptcy or recently filed a bankruptcy and you need to buy a vehicle, we WILL get you approved, GUARANTEED!!! Apply online and you will be promptly contacted by one of our bankruptcy auto finance specialist with your approval information, usually within 1 hour!

Don't let others tell you that you can't buy a vehicle with a current or past bankruptcy! We say yes when others say no, guaranteed!


Self Employed Auto Loans:
Self employed auto loans can be tough to find in this economy! The documentation requirements and hassles almost not make applying worth it! The truth about getting an auto loan when you have bad credit and are self employed or work for cash and can’t prove your income is pretty harsh. However, at Payless Car Sales, we can and do help people in finding the right car loan as quickly as possible! If you are self employed and have special needs for your auto loans, Payless Car Sales is here to help! Applying for a car loan for self employed people can be a big pain in the neck, but it doesn't have to be at Payless Car Sales!

Since we specialize in these kind of auto loans, we understand the needs of the self employed, taxi drivers, waitresses, entertainers, bartenders and other people who have difficulty documenting their income on tax returns! Don't despair! Payless Car Sales can have you driving a newer vehicle, usually within an hour!


Equity Auto Loans:

Have really bad credit history or a limited credit history but you have a large cash down payment? At Payless Car Sales, we say yes when others say no, GUARANTEED! In fact, we help more consumers get a bad credit car loan than most any other dealer in the area! We have over 30 vehicles under $10,000 so you can purchase an affordable vehicle while working a dealer who has a larger network of lenders who specialize in the area of credit builder or rebuilder auto loans!


How does Guaranteed Credit Approval work?

Have you've been told by other dealers or lender that they cannot approve you for financing on avehicle? Well, a guaranteed credit approval auto loan is a loan offered by us that offers Guaranteed Credit Approval to anyone who wants to buy a car, no matter what their credit history. There are some guidelines that must be met, including full time employment, length of employment, income and--most importantly--down payment. If you, as the buyer, is employed and makes enough income to theoretically make the payments on the vehicle, the buyer will get a loan if you can meet the minimum down payment requirement.

I just had a foreclosure, repossession or bankruptcy. Can I get approved?

Yes! Even with a fresh foreclosure, repossession, or bankruptcy, we can approve you with our guaranteed credit approval auto loan program, usually within minutes. Now, we know you are visiting us for a reason. Relax! We will get you a guaranteed credit approval for an auto loan within minutes, regardless of your circumstances!

I found a car privately (or at another dealership), can I apply and have Payless Car Sales finance it?

We do not finance vehicles that we do not sell, so if you wish to take advantage of our Guaranteed Credit Approval program, you will need to purchase one of our vehicles.

I have a current car loan and I need a 2nd car; will you finance just me on a 2nd vehicle?

The quick answer is yes! As long as you make enough income to be able to make your current car payment, we will be able to get you a second or third auto loan with our Guaranteed Credit Approval Progam!

What kind of down payment do I need to purchase a vehicle from you?

Great question and we get asked this 99% of the time! We can finance most people with as little as a paid for trade-in as a down payment! With less than perfect credit and our exclusive "Guaranteed Credit Approval" program, we can approve ANYONE who applies provided that they can meet the documentation and down payment requirements. This means that no matter how bad your credit or situation is, we WILL approve you for auto financing.

If we use our "Guaranteed Credit Approval" Program, it will require a cash down payment plus any potential trade in you may have. In most cases, you should expect to put 10-30% cash down of the price of the car as a down payment under this program, which generally finances $6000-8000 maximum. If you are looking at a more expensive vehicle, we have other outside lenders (banks, finance companies, credit unions) that we will be happy to submit you to. Obviously, the higher the down payment you can bring to the table would mean that you could be able to purchase a more expensive vehicle from us and/or have lower monthly payments.

Again, if down payment is an issue, your paid for trade-in will suffice in most cases. However, if down payment is an issue, we do work with over 25 outside banks, finance companies and credit unions that will consider your application with little or zero money down, however, we cannot quote how much down you need to be approved until you give us a complete application that we can run in our underwriting system, so the best strategy is to come in or fill out our online application so we can tell you how much you are approved for and what the required down payment would be on the vehicle you are interested in.

Again, regardless of your past or present credit issues, we GUARANTEE Credit Approval, so what are you waiting for?

I don't have a down payment and I need a car now! What can I do?


We understand budgets and your ability to put cash down on a vehicle. In most cases, we can and do accept trade-ins as long as you have title and can drive the trade-in to our dealership. In many cases, your paid for trade-in can be used as most or all your down payment toward a vehicle.

If your credit is better than average, we offer auto loans with little or zero down through our network of outside lenders. However, with our Guaranteed Credit Approval program, a good down payment will help overlook most past credit problems including a recent divorce, foreclosure, or repossession. Regardless of your past credit, you WILL be approved for auto financing, so click the link and get your Guaranteed Credit Approval today!

"I have $300 now and I can give you $1000 more in 2 weeks."

We hear this every day. We want to help you get the car, truck, van, or SUV you want. However, asking us to have you owe us down payment while you need to make your monthly payment on time puts us in a tough position. When a customer has to make payments on down payment and has to make their 1st car payment and something comes up, it's difficult for us because we want you to make your payments to the lender, but we also want our down payment paid. We don't want to see you fail, we want you to succeed, but if you owe us and owe the car payment to a lender, you're set up to fail in most cases. We will allow you, in most cases, to give us what you are working with to hold the car until you have the required down payment. For the reasons above, we do not deliver vehicles to customers that need to make payments on the down payment until all the down payment is paid.

I have a 2003 Chevy Cavalier (or whatever vehicle you have) and I owe $10,000.00 on it, can I trade that vehicle in and buy one of yours?

Excellent Question! We can and do take any vehicle in trade. To get an idea what your trade is worth, please click the trade appraisal button on our website. It will give you an online estimate as to the trade value. Once you receive that, it will tell you the equity (or negative equity) you have in your vehicle. "Equity" would be when you owe less than what the vehicle is worth while "Negative Equity" or "Upside Down" would be when you owe more on the vehicle than what it is worth.

If we are able to place your loan with an outside lender (bank, credit union, etc.), we MAY be able to take the "Negative Equity" you have in your vehicle and add it to the vehicle you buy from us.

However, if we need to utilize our Guaranteed Credit Approval program, we cannot finance "Negative Equity". To use this program, we will require you to come up with the difference between what you owe and what the vehicle is worth in order for you to trade your vehicle that still have a negative balance on it.

. It is possible, as we've mentioned above, for you to buy a vehicle from us and not trade your open auto loan, enabling you to maybe get more selling it on your own. That said, our Guaranteed Credit Approval auto loans are to establish or reestablish credit and are not designed for rolling over negative equity loans.

Can I buy the $30,000 Lexus I saw on your website in this program?

Another good question! If you have better than average credit, we utilize many aggressive outside lender partners (banks, credit unions, etc.) that finance higher dollar vehicles. Our lender partners will look at your current residence, job, debt to income, monthly income, down payment, and ability to make the monthly payment.

However, if we have to use our Guaranteed Credit Approval Program, please realize that it is a second chance auto finance program that will usually keep your loan between a maximum of $8,000- $10,000 with an average monthly payment of between $250-400 a month. This program is not intended for $30,000 auto loans, however, we may have other outsider lending programs, other than the Guaranteed Credit Approval Program, that would work for a more expensive vehicle.

Therefore, for your protection and ours, they will limit you to a payment that is in your budget, most times an auto loan for between $8000- $10,000. Again, if you have better than average credit along with a good income and down payment, we may be able to qualify you for more under a different lending program than Guaranteed Credit Approval. Please understand that this is an opportunity for you to rebuild your credit and, after purchasing a vehicle from us and making on time payments on this loan for 12-18 months, we may have the opportunity to trade you out of this vehicle and get you into the vehicle you really want to purchase.

I put in my application and you said I need more down payment to buy the car I chose....

Again, We offer a guaranteed credit approval to ANYONE who applies provided that they can meet the documentation and down payment requirements. However, this does not mean you can buy a $30,000 vehicle without a down payment or with a low down payment. Our in house loan underwriting system will determine the down payment required based on how expensive a vehicle you choose, your monthly income and ability to repay the debt. Just because we can guarantee a credit approval, it does not mean approval on a specific vehicle you choose unless you can put the minimum down payment required by our lender partner. However, if you can put the minimum down payment required by the lender, you very well may be approved for financing on the vehicle you choose.

OK! I'm ready to do this- how do I get my Guaranteed Credit Approval? *:

What do I need to bring in to drive home NOW?

* Down Payment (Amount down is determined by vehicle and credit application.)

* Trade title or lien release for your trade in

* Completed Loan Application

* Minimum $1000.00 a month income (must supply 2 recent paystubs with tax deductions)

* If on SSI, award letter or last 3 months bank statements

* If receiving child support, court order + 3 months bank statements showing deposits

* If receiving per capita income, current direct deposit stub + 2 months bank statements

* If receiving Alimony, court order or 3 months bank statments showing deposits

* Proof of Residence (utility bill, bank statement, phone bill) in YOUR name

* Current Home or Cellular Phone Bill

* All applicants & Co-applicants must be enrolled in the Automatic debit payment system for monthly payments

* Proof of Child Support, Social Security, Disability Benefits (if using as income)

* Bankruptcy - if you have filed bankrupty, you must supply proof that it has been discharged, or supply a letter from the Trustee's office stating that the new loan will not be included in the bankruptcy.

* Minimum of 6 references (NO PO Boxes, must have full street address and phone number).

* Proof of Insurance ($500 deductible, Full Coverage Required)

* Proof of Bank Account (savings and/or checking statement)

* Co-Buyer/Spouse - must supply all of the above

* Self employed or "CASH" job? All we need is your last 3 months personal bank statements showing consistent deposits to prove your income. We do NOT necessarily need tax returns in this program! If you have any questions, please call us!

Is there anything that will disqualify me for a Guaranteed Credit Approval?

1) Our lenders do NOT accept Unemployment, Student loans or Aid, Foster Care or non court ordered child support or alimony as sources of income. As a rule, if it can't be proven on a bank statemnet, court order or tax return, our lenders do not consider it income. We do accept many different ways to prove income, so if you have any questions, please call or stop in.

2)If you have a P.O. Box for an address, you MUST be able to prove that you live at a physical residence with a recent utility bill that can be tied to that address. Failure to provide will cause your application to be declined. Also, if you live at a hotel/motel, that will cause your application to be declined for an irregular residence. However, once you get a permanent residence, we can re-consider your application.

3) Prior loss, repossession or charge-off with us or our affiliated entities will cause you to be declined until prior balance(s) with us are paid in full.

Once you have submitted your application, you will be notified via e-mail the status of your credit approval and we will set an appointment with you to get you your new vehicle!

**Not all vehicles will qualify for this program. Valid Driver's License, Minimum income and down payment requirement apply. Documents required by lender must be provided for approval to be issued. Applicant responsible for any negative equity in trade in. See us for details!