In-house financing
Buy Here Pay Here — Tacoma, WA
Banks look at a number. Cars R Us looks at you. Our buy here pay here program finances your car right at the dealership — bad credit, no credit, or starting over, you can still drive home today.
How buy here pay here works at Cars R Us
1. Come see us
Visit the lot in Tacoma, WA or start by texting us. No appointment needed — bring your license, proof of income, and proof of residence.
2. Get approved here
Financing happens at the dealership, not a bank. We build a down payment and a payment schedule around your actual budget.
3. Drive home today
Pick your car, sign, and drive. Most buy here pay here approvals are same-day.
Buy here pay here questions
What does buy here pay here mean?
At a buy here pay here (BHPH) dealership, financing is arranged at the dealership itself instead of through a bank — you buy the car here and make your payments here. At Cars R Us, that means one conversation, at one place, with people who can actually say yes.
Can I get approved with bad credit or no credit?
Yes — approval is based on your situation today, not just a score. Bad credit, no credit, past repossession, or new to credit: bring proof of income and residence and we'll work out payments that fit your budget.
What do I need to bring?
A valid driver's license, proof of income (recent pay stubs or bank statements), proof of residence (a utility bill works), and your down payment. Most approvals happen the same day.
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.