Buy Here Pay Here

No Credit?
No Problem.

At Caru Cars, we believe everyone deserves reliable transportation. Our Buy Here Pay Here program means we finance you directly — no banks, no credit checks, no stress.

Apply Online Now Or Call (786) 428-4008

What You Need

Just Bring These 4 Things

That's it. No credit report. No bank approval. No co-signer needed.

Valid ID

Driver's license, state ID, or passport.

Proof of Income

Recent pay stubs or bank statements.

Proof of Residence

Utility bill or bank statement with your address.

Down Payment

Flexible down payments starting low. We work with your budget.

Common Questions

Frequently Asked Questions

What is Buy Here Pay Here?

Buy Here Pay Here means we are both the dealer and the lender. You buy the car from us and make payments directly to us — no banks or third-party finance companies involved. This lets us approve customers that traditional lenders can't.

Do I need good credit?

No. We don't run your credit. Bad credit, no credit, bankruptcy, repossession — it doesn't matter. If you have a job and a down payment, we can get you driving today.

What payment options are available?

We offer weekly, bi-weekly, and monthly payment plans. We'll work with your pay schedule to find the option that fits best. Payments can be made in person, by phone, or online.

How much down payment do I need?

Down payments vary by vehicle. We try to keep them as affordable as possible. Call us or visit and we'll work with your budget to find the right fit.

Are the cars reliable?

Every vehicle goes through an inspection before being put on our lot. We stand behind the cars we sell and want you to have a reliable ride.

No Credit? No Problem.