Finance Frequently Asked Questions

Nearly every vehicle in our inventory will qualify for in-house financing, but occasionally we will have a vehicle that does not. These vehicles tend to have a higher price tag and are the perfect candidates to be financed by one of our 20+ lending partners.

Our buy here, pay here dealership program was created specifically for people with challenging credit situations that struggle to get approved with traditional auto lenders. We’re happy to let you know how in-house financing would work for you, however we also work with 20+ lenders to be able to offer prime financing options with competitive low interest rates.

At Randash Auto Center, we don’t just want to sell you a car, we want to help you improve your financial situation. One of the things that sets us apart from other “buy here, pay here” dealerships is that we report all payments to the national credit bureaus which actually helps to increase your score. We truly want you to succeed, and we’ll work with you to overcome changes and challenges as they appear which is why we have one of the lowest rates of repossession in the nation.

The only difference is place versus program. A “buy here, pay here” dealership is one that offers in-house financing. This means that the dealership you buy your vehicle from is also the lender.

We can’t guarantee that there will never be a problem with a vehicle we sell. Automobiles are complex machines, and it can be hard to tell when an internal part is on the way out. What we can guarantee is that we stand behind the cars, trucks, and SUVs we sell. Every in-house financed vehicle comes with a limited powertrain warranty for coverage against the biggest and most expensive repairs as well as having undergone a 60-point inspection and average of $2,000 of vehicle service work. We want to make sure you have a car that will last for years to come, and we’ve been known to go above-and-beyond to keep our customers on the road!

Maybe! We’ve had plenty of customers who have excitedly told us we helped them drive their dream car and if you’re dream ride is on our lot, it’s time to get pre-approved! However, for many other folks, the car they can afford right now is not their dream ride. Instead of selling high-priced import and exotic vehicles, our goal is to help you get into a program that gets you a reliable vehicle so that you’ll have the opportunity to build your credit with on-time payments and get yourself one step closer to that dream car.

Traditional auto lenders will use your credit score to determine your interest rate and eligibility. If you know that you’re struggling with your credit score, in-house financing is likely to be the best option, but if you’re on the fence, we’ve got options for you. You can request your credit score range here on the Randash Auto Center website or apply for car financing pre-approval. Our financing experts will take a look at your current situation and help you determine if in-house financing or choosing to work with one of our 20+ lending partners is the right choice for you.

Our in-house financing companies accept debit cards (Visa, Mastercard, American Express, and Discover), cash, checks, and money orders. Automatic payments set up with your debit card are a great way to stay current and avoid extra fees – contact the Accounts Team today to set up your autopay. Starting January 1, 2025, a $4.99 convenience fee will apply to payments made online or over the phone.