Get Approved for In-House Financing Today
Getting approved is quick and easy—no credit needed. We finance based on your income, not your score, so you can drive away today with just a few simple documents.
What to Bring with You To Get Financing
Getting approved is simple, and we’re here to guide you every step of the way. Here’s what you’ll want to have ready: just a little info to help us get you driving fast and stress-free—with flexible options, friendly service, and no pressure. We make the process smooth so you can focus on the road ahead
- Valid ID or Passport
- Proof of Income (like recent pay stubs or job letter)
- Proof of Address (utility bill, lease, etc.)
- Down Payment (cash, card, or trade)
Why Our Customers Choose Simple Auto
We’re more than just a dealership—we’re a team that understands real people and real financial challenges. With our Buy Here Pay Here program, you’re financing directly with us, which means no banks, no outside approvals, and no waiting games.
- Approvals Based on Income, Not Credit
- Fast Decisions Made In-House
- No SSN or Driver’s License? No Problem
- Low Down Payments Available
Our goal is to get you into a reliable vehicle with a payment plan that fits your life—not someone else’s rules.
Take the First Step Toward Your Next Car
Frequently Asked Questions
Yes, absolutely. Our Buy Here Pay Here financing is built specifically for people who may have a rough credit history—or none at all. We look at your current income and overall situation, not a number from a credit bureau.
That’s okay. We work with many customers who provide alternate documentation, such as a passport or government-issued ID. Our goal is to help everyone find a vehicle, regardless of paperwork.
Most approvals happen the same day. Fill out our short form, bring in your documents, and our team will work fast to get you driving. No banks, no third-party delays.
We do ask for a down payment, but we’re flexible based on your situation. The exact amount depends on the vehicle and your income—but we’ll always work with you to find something manageable.
