Buy Here Pay Here Alternative

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Welcome to Kentuckiana’s #1 Destination for Special Financing

Is your credit less than perfect? Feeling a little overwhelmed? Have you been wandering the streets of Preston Highway or Hurstbourne Parkway looking for an affordable vehicle with no money down and no co-signer?

If you’re like most people, you’ve had some difficulty finding a dealership willing to take the time necessary to help you find a quality new or used vehicle at an affordable price.

Has the process has left you tired, frustrated, and feeling like you want to give up? If you’ve gotten to the point where one of your friends or relatives have recommended going to a local Louisville, Kentucky Buy Here Pay Here car lot for help, call the Oxmoor Auto Group in St. Matthews.

Our team of special finance experts can help you achieve the type of financing you deserve – simple, affordable, and credit-building.


Think All Buy Here Pay Here Dealerships Are The Same? Think Again.

Until now, you may have resisted going to such places because you’ve heard negative things: They have older, higher mileage vehicles. They have pushy salesmen. They offer extremely high interest rates. They don’t report your monthly payments to credit bureaus. While you know that’s not always the case, you’re not ready to go there yet. You still believe someone can help you. But who?

Welcome to the Oxmoor Auto Group, Louisville, Kentucky’s most respected Buy Here Pay Here Alternative! We’re one of Kentuckiana’s leaders in bad credit financing and subprime auto loans.

What makes Oxmoor Auto Group’s Special Finance Department different?

Unlike standard Buy Here Pay Here car lots in Louisville, we secure your auto financing through traditional banks, finance companies, and credit unions. That means the payments you make isn’t “wasted” by the dealership. Each payment reports directly to the main credit bureaus (TransUnion, Equifax, and Experian), slowly increasing your scores and rebuilding your damaged credit.


Our On-Site Financial Experts Want To Approve You

The Oxmoor Auto Group has special financing experts trained to analyze your situation and address your specific needs, whether you’re a first-time car buyer or a seasoned pro. Even if you’ve had a bankruptcy or repossessions, we can help.

Our special finance team has relationships with dozens of lenders – some are national companies while others are local Kentucky and Indiana banks, credit unions, and finance companies.

Many of these financiers are located right here in Louisville. These institutions have hundreds of niche credit programs that can assist you in achieving your goals and put you back on track to financial well-being.

Best of all? While you may buy here, paying here is not necessary! Remember: our lenders are real banks, credit unions, and finance companies! They report all of your auto payments to the Big Three credit agencies (Experian, TransUnion, and Equifax) to help you repair your credit.


Bad Credit? No Credit? You’re Not Alone.

Some people think that “special financing” equals bankruptcy, “no credit” or “bad credit” car loans. While that can be true in some cases, our finance team doesn’t just help people with Chapter 13 or Chapter 7 on their credit.

We also help people who have had financial problems or just a run of bad luck. Everyone has different credit issues: whether you’re from Clarksville, Indiana and experienced a messy divorce or living in LaGrange, Kentucky with a stack of unpaid medical bills – we understand and we can help.

Many of our former Buy Here Pay Here customers experienced problems that once seemed relatively small and eventually led to big declines in their credit scores. Even if you’ve tried to fix the issues, you may not completely understand how credit works.

That’s where the Oxmoor Auto Group can help. Our special finance experts are trained to help explain the credit process. We’ll tell you about the potential challenges you may face going forward and how to deal with them.

That’s part of the Oxmoor advantage: plan for the future. Once you’ve reviewed our new, pre-owned, and certified pre-owned inventory, our auto loan team will match you with loan programs to help you rebuild your credit without draining your wallet. That’s something traditional “buy here pay here” car lots simply can’t offer.


Repossession? Charge-Off? Bankruptcy? Oxmoor Auto Group Can Help!

If you are from Kentucky or Southern Indiana and believe that you may have “bad credit”, remember you are not alone. The Oxmoor Auto Group is committed to helping people that have experienced financial setbacks.

Bankruptcies, repossessions, charge-offs, and collections are unfortunate occurrences – but they should not stop you from owning a quality new or used vehicle at affordable terms.

To get behind the wheel and start driving your finances in the right direction, check out our online payment estimator and online special financing application. Then give us a call and find out what we can do for you

While you can certainly spend hours searching “buy here pay here” lots for cars under $5000 with no down payment, wouldn’t you rather drive a quality, lower mileage vehicle with a long warranty?

Stop wasting valuable time and money – contact the Oxmoor Auto Group Special Finance Center today and see why we’re Louisville’s bad credit auto financing headquarters!

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Speak with a Special Finance Advisor now!