By clicking "Apply Now", you are well on your way to getting approved at Ray's Motor Sales! You consent to be contacted by Ray's Motor Sales and other parties via telephone, email and text message. If you'd prefer to not be contacted by text message, please reply no to our opt-in text that will be sent to your phone. Message and data rates may apply, and message frequency is recurring.
You can opt out at any time by replying "STOP" to any SMS message or by calling Ray's Motor Sales at 863-676-6321. At we understand that life happens. We are proud to offer financing to customers without checking their credit, because we know there is more to your story than a score. We aren't just a car dealership in Lake Wales, FL, we are a buy here pay here dealership.
This allows us to offer you on-the-spot vehicle financing on our late model, low mileage vehicles. We treat our customers right because we want you to be a customer for life! Learn more about our financing below. I'm so happy my son and I decided to come to Ray's auto shop, both Ray and Mat, was very helpful took time to explain how and what my son should be looking for when buying a vehicle, Mat text him constantly guiding him through his first experience.
You can opt out at any time by replying "STOP" to any SMS message or by calling Ray's Motor Sales at 863-676-6321. At we understand that life happens. We are proud to offer financing to customers without checking their credit, because we know there is more to your story than a score. We aren't just a car dealership in Lake Wales, FL, we are a buy here pay here dealership.
This allows us to offer you on-the-spot vehicle financing on our late model, low mileage vehicles. We treat our customers right because we want you to be a customer for life! Learn more about our financing below. I'm so happy my son and I decided to come to Ray's auto shop, both Ray and Mat, was very helpful took time to explain how and what my son should be looking for when buying a vehicle, Mat text him constantly guiding him through his first experience.
Services
Ray's Motor Sales is a family owned and operated buy here pay here used car dealership in beautiful downtown Lake Wales, FL.
That's over 55 years of serving the transportation and financing needs of Lake Wales and the Polk County area.
We proudly offer financing to credit challenged customers, or put another way, good people with bad credit.
We are Lake Wales' longest serving buy here pay here dealership, and one of the longest serving in all of Central Florida.
Our used car dealership serves customers in Lake Wales, Frostproof, Winter Haven, Auburndale, Dundee, Waverly, Haines City, Davenport, Four Corners, Poinciana, Kissimmee, Lakeland, Bartow, Mulberry and all of Polk County.
That's over 55 years of serving the transportation and financing needs of Lake Wales and the Polk County area.
We proudly offer financing to credit challenged customers, or put another way, good people with bad credit.
We are Lake Wales' longest serving buy here pay here dealership, and one of the longest serving in all of Central Florida.
Our used car dealership serves customers in Lake Wales, Frostproof, Winter Haven, Auburndale, Dundee, Waverly, Haines City, Davenport, Four Corners, Poinciana, Kissimmee, Lakeland, Bartow, Mulberry and all of Polk County.
Yes, we are!
We know that sometimes bad things happen - that doesn't mean that you shouldn't be able to drive a quality, dependable vehicle regardless.
We have helped customers obtain financing at our Buy Here Pay Here Dealership for over 50 years, and we can help you, too!
Contact us today to inquire about our financing.
Yes - even though we are a no credit check buy here pay here dealership, there is still basic information we need from you.
Don't worry, we don't get too personal, and we don't even ask for a social security number.
We know that sometimes bad things happen - that doesn't mean that you shouldn't be able to drive a quality, dependable vehicle regardless.
We have helped customers obtain financing at our Buy Here Pay Here Dealership for over 50 years, and we can help you, too!
Contact us today to inquire about our financing.
Yes - even though we are a no credit check buy here pay here dealership, there is still basic information we need from you.
Don't worry, we don't get too personal, and we don't even ask for a social security number.
At Ray's Motor Sales, every vehicle we sell comes with a 3 Month/3,000 Mile Limited Warranty (whichever comes first).
If a covered warranty item needs to be repaired within the covered time/mileage, we will fix it for you at no cost to you.
Additionally, some vehicles we offer may have manufacturer's warranty remaining.
The following is a list of parts covered by this Limited Warranty.
If a malfunction, defect, or failure occurs in a covered component listed below, Ray's Motor Sales will repair or replace the covered component, subject to the terms and conditions expressed herein.
If a covered warranty item needs to be repaired within the covered time/mileage, we will fix it for you at no cost to you.
Additionally, some vehicles we offer may have manufacturer's warranty remaining.
The following is a list of parts covered by this Limited Warranty.
If a malfunction, defect, or failure occurs in a covered component listed below, Ray's Motor Sales will repair or replace the covered component, subject to the terms and conditions expressed herein.
If there's one thing for certain in life, it's life is going to happen.
And it rarely happens at a good time.
In the event of a total loss, the insurance company pays off what they determine the value of the vehicle to be at the time of loss.
They look to pay as little as possible, regardless of what your remaining value is.
GAP coverage is a waiver that steps in and protects you from the balance not covered by the insurance settlement.
And it rarely happens at a good time.
In the event of a total loss, the insurance company pays off what they determine the value of the vehicle to be at the time of loss.
They look to pay as little as possible, regardless of what your remaining value is.
GAP coverage is a waiver that steps in and protects you from the balance not covered by the insurance settlement.
This option allows you to use Visa, Mastercard, and Discover.
If you are making a payment on an account on behalf of the customer, please indicate on the next page in the "Notes" section who you are paying for, otherwise we will not know who's account to credit.
Also, please make sure to use the zip code that your bank has on file for the billing zip code.
If a different zip code is used, your bank will decline the transaction and may put a hold on the funds with the wrong zip code until the next business day.
If you are making a payment on an account on behalf of the customer, please indicate on the next page in the "Notes" section who you are paying for, otherwise we will not know who's account to credit.
Also, please make sure to use the zip code that your bank has on file for the billing zip code.
If a different zip code is used, your bank will decline the transaction and may put a hold on the funds with the wrong zip code until the next business day.
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