Financing for every credit situation
Looking for Buy Here Pay Here in Tacoma, WA?
Here's the honest answer: Cars R Us is not a buy here pay here lot — and if you're shopping BHPH because you think it's your only option, we have better news. We work with outside lenders who say yes to bad credit, no credit, and first-time buyers — so you get a real car loan, not a lot loan.
Why we chose real lenders over buy here pay here
Your payments can work for you
Loans through banks, credit unions, and finance companies are typically reported to the credit bureaus — on-time payments can help rebuild your credit. Many buy here pay here lots don't report, so paying on time may do nothing for your score.
Often a better rate
At a BHPH lot the dealer is also the lender, and rates are typically among the highest in used-car financing. With outside lenders, your situation is matched to a lender who actually competes for the loan.
A normal loan, not a leash
No driving back to the lot every week or two to make a payment, and no payment terms designed around repossession. You pick the car you actually want from our inventory — not from a 'what we'll finance you on' corner.
How financing works at Cars R Us
1. Tell us your situation
Apply online in a few minutes, or visit the lot in Tacoma, WA — no appointment needed. Bring your license, proof of income, and proof of residence.
2. We shop it for you
We work with lenders across the credit spectrum — including ones that specialize in bad credit, no credit, and rebuilding — and put your application in front of the right one.
3. Drive home
Pick your car, sign, and go. Most approvals come together the same day.
Searched "$500 down" or "no credit check"? Read this first
About low-down-payment offers: there's no one-size answer, and anyone quoting you a down payment before knowing your situation is guessing. Down payments depend on the lender, the vehicle, and your income picture — some approvals come together with very little down, and a trade-in can cover part or all of it. Tell us what you can actually do and we'll work the real numbers, not a teaser number.
About "no credit check" financing: honestly — a real car loan involves a credit check, and that's a feature, not a catch. Lots advertising no-credit-check deals are usually the buy-here-pay-here model: the check is skipped because the loan often never touches the credit bureaus, which also means your on-time payments may never help your score. A checked, reported loan is how a car payment rebuilds credit instead of just costing money.
Searching "in-house financing near me"? We're on South Tacoma Way, minutes from Lakewood — and we're deliberately the alternative: outside lenders, posted prices, and payments that count. Bring your license, proof of income, and proof of residence, and we'll tell you where you actually stand.
Buy here pay here questions, answered straight
Is Cars R Us a buy here pay here dealership?
No. Cars R Us is not a buy here pay here lot — we don't finance cars in-house. Instead, we arrange financing through outside lenders, including options built for bad credit, no credit, and first-time buyers. Most shoppers searching for buy here pay here can get approved this way, usually on better terms.
What's the difference between buy here pay here and lender financing?
At a buy here pay here lot, the dealer is also the lender — payments are often made in person at the lot, rates are typically higher, and many BHPH lots don't report your payments to the credit bureaus, so paying on time may not help your credit. With lender financing, a bank, credit union, or finance company funds the loan; payments are typically reported to the credit bureaus, so on-time payments can help rebuild your credit history.
Can I get approved with bad credit or no credit?
That's exactly who our financing is built for. Approval is based on your situation today — income and stability, not just a score. Bad credit, no credit, past repossession, or new to credit: apply online or come see us, and we'll work through real options with you.
What do I need to apply?
A valid driver's license, proof of income (recent pay stubs or bank statements), and proof of residence (a utility bill works). A down payment helps your approval and your payment, and a trade-in can count toward it.
Can I trade in my current car?
Absolutely — your trade-in's value can go toward your down payment. We'll appraise it while you look at the lot.
Tell us what you need
A quick note about your situation and what you're looking for — we'll text you back with real options. No judgment, no runaround.