Instant Auto Finance has been serving car buyers with financing needs for over 30 years. We specialize in challenged credit, no credit or marginal credit. We have the ability to fit your needs. Life often deals you some unexpected complications due to bankruptcy, divorce, medical bills, temporary job loss and many other issues that may have affected your credit in negative ways but don’t worry and leave it up to us. We WILL get you financed! We are the home of fastest and most courteous service the Buy Here Pay Here industry has to offer! At Instant Auto Finance we are the home of 100% guaranteed credit approval. Everyone qualifies regardless of their credit history. That’s right EVERYONE! There’s no secret. We simply make it easy to qualify. We also do things a little different at Instant Auto Finance with your down payment. We don’t assign a “one down payment fits all” to our vehicles, your qualifications and the unit you select will determine the minimal amount of a down payment we will require at the time of purchase. We also look at your trade in as cash. We assign the value we can give you and as long as that exceeds any amount you would owe on your car that amount can be applied to your down payment. If you have a free and clear title with no money owed on your car, 100% of your trade in value will be credited to your down payment resulting in less money out of your pocket at time of purchase and often times financing less on the car for a lower payment.