We Help All Customers Get the Financing They Need

Good Credit, Bad Credit, No Credit at All: We're Here for You!

It's a sad truth that many car dealers shy away from working with customers who have a checkered credit history. Often, that means those car buyers are forced to turn to off-brand resources that don't always offer a great selection of high-quality new vehicles. At Ray Laks Honda, we don't think it's right to turn away good people just because they've had a rough patch. That's why we specialize in helping our Buffalo-area friends and neighbors with low or poor credit get behind the wheel of the Honda car or SUV they want.

When you work with the Finance Center at our Orchard Park NY dealership, you're treated with the respect and consideration you deserve. Our experienced team knows the ins and outs of the financing process, and is happy to work with their many connections within the financing industry to arrange for the loan or lease terms that work best for both you and your budget.


Ray Laks Honda

3590 Southwestern Blvd
Directions Orchard Park, NY 14127

  • Sales: 844-908-0751
  • Service: 855-459-1933
  • Parts: 844-430-0159


  • Monday 9:00am - 8:00pm
  • Tuesday 9:00am - 8:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 8:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 5:00pm
  • Sunday 11:00am - 3:00pm

Fill Our Our Credit Application Below to Get Pre-Approved or Call Us at (716) 740-6000 to Set Up an Appointment

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Important Privacy Information

Privacy Statement

As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.

Our Convenient Tools Make it Easy to Get Financed

We understand that it can be tough to find the time in your schedule to make multiple trips to our showroom. That's why we offer an array of online tools that you can use from the convenience of your home in West Seneca, Cheektowaga, or Hamburg NY, each of which helps to cut down on the amount of time you have to spend sitting around:

We'll Help Improve Your Credit As Well

It sounds wrong, but a car loan from Ray Laks Honda goes a long way in repairing bad credit reports, or improving your credit score if you don't have any established yet. You see, your loan approval is reported to the credit monitoring agencies, as is each on-time payment you make. If you have mostly credit card debt in your report (also knows as a revolving line of credit), adding a car loan (categorized as an installment loan) balances out your types of credit used -- which leads to better ratings.

Once you've paid your loan off, that success is reported as a major milestone to the credit reporting agencies. Plus, you now have access to the equity you've built in your Honda vehicle! You can then use that as a significant part of the down payment on your next Honda vehicle, or take that value as cash by selling your car.

Our Team is Here to Help

At Ray Laks Honda, we take great pride in working with every customer to help them get the financing that they deserve. We truly believe that everyone deserves the opportunity to drive a new vehicle, and we're determined to make that happen for everyone who enters our showroom. Feel free to contact us and discuss your particular situation, so we can go to work on your behalf.