Flexible Car Financing That Gets You Pre-Qualified— Even with Bad Credit
At Oak Motors, we make it easy to get pre-qualified for a vehicle, no matter your credit history. Whether you’re dealing with bad credit, no credit, a recent bankruptcy, or life events like divorce, our Buy Here Pay Here financing program is designed to give you a second chance. We finance customers across Indianapolis, Anderson, and Muncie every day, helping them get into reliable cars with flexible weekly or bi-weekly payments that actually work for their budget.
We approve drivers the banks won’t—and we back it all with a warranty and credit-building opportunities.
Buy Here Pay Here Financing That Works for Real Life
Forget the stress of traditional auto loans. Oak Motors offers in-house financing designed for real people with real challenges. With multiple Indiana locations and a reputation for helping drivers rebuild their credit, we make car ownership achievable—with no banks and no third-party lenders involved.
We offer:
- Fast pre-qualification with no hard credit pull
- Clear payment plans based on your situation
- Weekly or bi-weekly options that work with your paycheck
- Reliable vehicles with warranties and service options
What Do You Need to Get Pre-Qualified?
Getting pre-qualified at Oak Motors is simple. You don’t need perfect credit, a long work history, or a big down payment. Below are the main things we look for—and how they work in real-world situations.
What's Required For Financing FAQs
Valid Driver’s License or State-Issued ID
We need to verify your identity to complete your financing. A standard driver’s license or a government-issued photo ID will work. If you’ve recently moved or changed your name, bring the most up-to-date documents.
Proof of Income
We accept a wide range of income types—from full-time employment to part-time gigs, self-employment, or even government benefits. Bring your two most recent pay stubs, bank statements, or award letters.
Proof of Residence
A current utility bill, lease agreement, or official mail with your name and address works just fine. This helps us confirm that you live in the state and are eligible for our local programs.
Down Payment (Flexible Based on Vehicle and Budget)
Our down payments are affordable and vary by car, credit, and income. We’ll work with you to find an option that gets you driving without overwhelming your finances.
Contact Info for References
We typically ask for a few personal references (non-household) to verify your application. These can be family, friends, or coworkers.
That’s it! No complicated paperwork, no bank rejections, no unrealistic requirements. At Oak Motors, we believe everyone deserves a second chance—and we’ve helped thousands of Indiana drivers get back on the road quickly and confidently.
Find an Oak Motors Location Near You and Start Your Journey
With five Buy Here Pay Here locations across Central Indiana, you’re never far from an Oak Motors dealership ready to help. Each location offers on-site vehicle inventory, pre-qualification support, and a friendly team ready to walk you through the process.
Oak Motors - Indianapolis East
Oak Motors - Indianapolis South
Oak Motors - Indianapolis West
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