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.

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:

• Our new Honda specials guide you towards advantageous deals on the newest Honda models
• Honda financing incentives that make your new Honda model even more affordable
• Secure finance application to start the process
• Online payment calculator to help you dial in exactly how much car you can safely afford

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.