Bad Credit, Poor Credit, or No Credit Auto Financing in Buffalo at Ray Laks Honda!

Here at Ray Laks Honda in Orchard Park, NY near Williamsville, we believe in offering everyone a shot at driving the car that suits them and meets their driving needs. Whether you live in nearby Buffalo or out in Amherst, you should not let past financial woes stop you from driving a quality new Honda or used car that suits you, so check out our inventories here at Ray Laks Honda and see if your next daily driver awaits you here in Orchard Park, NY.

Once you stop by our dealership to test drive that car, our financing team can talk to you about our affordable financing opportunities as we work with people from all walks of like and all different economic backgrounds. Whether you have good credit, bad credit, or no credit at all, we can help you finance your next car affordably and we are conveniently less than 20 minutes outside of Buffalo.

Helping Your Credit to Bounce Back

We understand everyone's financial situation has differences. You could be a student of SUNY Buffalo currently paying off student loans, but still looking for the right car to help tackle career opportunities more proactively. You could be a Lewiston resident who just paid off their previous medical or credit card debt, but still waiting for your credit to bounce back. You might even be a recent high-school grad with no credit standing at all in need of a dependable ride to take to college. We here at Ray Laks Honda want you to know that we will not turn you away just because of your past debts and current credit score.

Our finance center is staffed with polite and professional financial experts who now all of the tricks of the trade and can help you assess your current financial situation to find you an affordable auto loan to help you bounce back. Auto loans, when all monthly payments are met, can be excellent ways to demonstrate your dependability and can positively impact your credit when well maintained.

How You Can Get Started!

Before you get the finance process underway, let us go over with you some tips to help you get better prepared for an upcoming auto loan and what it may entail.

  • Assess Your Finances: If you still have some debt to pay off, or you think most of your outstanding payments are resolved, be sure to do a bit of research to see where any unpaid debts may lie as these can negatively impact your score. Knowledge of your finances also helps our finance team in assessing what loans you may qualify for, with no surprises along the way.
  • Obtain a Free Score: While our finance application can tell you your credit score, you are entitled to a free credit report from each of the three credit reporting agencies (Equifax, Experian and TransUnion) once a year.
  • Get a Trade Estimate: Your old car could make all of the difference in a loan opportunity, so if you have one that may be on its last leg, you can use our trade tool online to obtain a rough appraisal for your trade and use it towards your next Honda loan agreement.
  • Calculate Your Monthly Payments: Once your debt situation is addressed and resolved, be sure to use out payment calculator to assess what you would like your loan parameters to look like. Enter in the total sales price of the new Honda or used car you seek as well as your desired loan term, down payment, and desired interest rate. The system will process this information to tell you what your calculated monthly payments will look like, so feel free to adjust accordingly.

Come See us in Orchard Park Today

Here at our Orchard Park, NY Honda dealership outside of Buffalo, our team prides themselves on our 97 percent credit approval rating with almost all customers throughout the area accepted for securing financing regardless if they have good credit, bad credit, or no credit. Come see for yourself what we are all about and start financing through Ray Laks Honda in Orchard Park today!