No turn down Automobile financing!

THE HOME OF GUARANTEED CREDIT APPROVAL!

Our slogan at Arizona Car Sales is "Everybody Rides" and we mean it! Whether you have an 800+ Credit Score, are a first time buyer or have a Credit Score below 400, with a good down payment, we can guarantee credit approval to anyone with provable monthly income!!

Arizona Car Sales (formerly Payless Car Sales of Mesa) can get you the financing you need with interest rates as low as 2.99% APR and terms up to 84 months with NO PAYMENTS UNTIL MARCH 2012 on approved credit!!!

If you're looking for a great finance rate, low payments or have current or previous credit problems, we are an "A" rated dealer with the Better Business Bureau and have 100% positive feedback on eBay Motors, so you can trust doing business with us! We have over 50 years of experience in the special finance industry and work directly with special finance lenders to get you an automobile loan TODAY!

To protect your privacy and ours, we CAN NOT do credit checks over the phone. However, you can apply online on our 128 bit secure website for pre-approval in minutes!

To fill out an application now, Click the link below!

Click here for Fast Auto Loan Application!

If you have questions, please read the frequently asked questions below or click below to send us an e-mail:

I have a question about financing

Arizona Car Sales has partnered with a wide array of Financial Institutions. Our lenders are industry leaders and will provide our clients with the most competitive finance rates and terms available. Regardless of your credit situation we offer many solutions to fit your needs. Some of our financial partners include:

AEA Federal Credit Union
Ally Financial/GMAC
Altier Credit Union
American Southwest Credit Union
Arizona Central Credit Union
Arizona Federal Credit Union
Banner Federal Credit Union
Bashas' Associates Federal Credit Union
Chase Auto Finance
CIG Financial
Cochise Credit Union
Coconino Credit Union
Consumer Portfolio Services
Credit Acceptance Corporation
Deer Valley Credit Union
Desert Energy Credit Union
Drive Financial Services
First American Credit Union
First Credit Union
Gateway One
Hughes Federal Credit Union
Mohave Community Federal Credit Union
Mountain America Federal Credit Union
Pima Federal Credit Union
Pinal County Federal Credit Union
Prescott Federal Credit Union
Prestige Financial
Pyramid Credit Union
Regional Acceptance
San Tan Credit Union
Santander Auto Finance
SouthEastern Arizona Federal Credit Union
Sun Country Credit Union
SunWest Federal Credit Union
TD Auto Finance/Chrysler Financial
Tempe Schools Credit Union
Tidewater Motor Credit
Tucson Federal Credit Union
Tucson Health Care Affiliates
Tucson Old Pueblo Credit Union
Tucson Telco Federal Credit Union
United Auto Credit
Vantage West Credit Union
Wells Fargo Auto Finance
Westlake Financial
Yavapai Federal Credit Union


Our Patented Guaranteed Credit Approval Program is a proprietary software system that takes our clients information from a brief credit application and maps it against dozens of financing programs to determine the best possible rates, down payment and monthly payments based on the vehicle you have selected. The system literally performs thousands of calculations per second in order to get our clients approved on their terms.


Getting an Auto Loan is easy at Arizona Car Sales! We have an exceptional record of helping car buyers get the financing they need, even with less than perfect credit!!!

If you're looking for a great finance rate, low payments or have current or previous credit problems, we have over 50 years of experience in the special finance industry and work directly with special finance lenders to get you an automobile loan TODAY! The knowledge and expertise we have gained through years of bad credit car loan financing experience enables us to give you the best assistance possible for your personal situation.

NO MONEY DOWN financing available with your paid for trade-in!
To get a fast trade-in appraisal, just click the trade-in appraisal button at the top of our website!

Most buyers are approved in less than 1 hour! Arizona Car Sales in Mesa, Arizona, offers Phoenix buy here – pay here financing and in house auto financing! No Credit Car Loan specialist! Apply Today, Drive Today! Buy Here Pay Here Used Car Financing! Auto Loans for Good Credit, Bad Credit, Bankruptcy, No Credit, or Repossessions! Bad credit auto loans in Phoenix Arizona, no credit auto loans in Phoenix Arizona, payless car sales buy here pay here auto loans in Phoenix Arizona.

At Arizona Car Sales, we guarantee fast, easy GUARANTEED CREDIT APPROVAL for an auto loan in Phoenix, Apache Junction, Anthem, Avondale, Chandler, Chino Valley Cottonwood, Yuma, Lake Havasu, Flagstaff, Gilbert, Glendale, Kingman, Mesa, Prescott, Sedona, Tempe, Tucson, Queen Creek, Gold Canyon, Maricopa, the Verde Valley, Winslow, and all of Arizona!

The world has not come to an end because of the credit crunch or the fewer options when applying for an auto loan. It has become more difficult to get a vehicle if you have bad credit but it is not impossible. The key to finding an auto loan without spending days of frustration going from dealer to dealer getting the embarrassing "I'm sorry sir, we cannot get you approved because of your bad credit" or "I'm sorry but you have been turned down by all of our banks." going to the right place like Arizona Car Sales when you apply for that bad credit auto loan makes all the difference! We approve most people for an auto loan within 1 hour!


FREQUENTLY ASKED QUESTIONS

Q: How does your program work?

A: We offer Bank and Credit Union financing along with many local and national lenders for financing with rates as low as 2.99% APR! If your credit requires it, we offer in house, "Buy Here/Pay Here" financing through our "Guaranteed Credit Approval" program!

Q: Will I be rebuilding my credit if I purchase and finance with you? Do you report to the credit bureau(s)?

A: Yes! We report all auto loans to Experian, Trans Union and Equifax credit reporting agencies.

Q: Are your vehicles inspected and reconditioned before you sell them?

A: At Arizona Car Sales, every vehicle is inspected and our inventory is hand selected to offer the cleanest, nicest used vehicles around. In fact, most vehicles we sell are only 5 model years old or less and each vehicle is detailed, touched up and reconditioned so you can be proud of your new car from Arizona Car Sales!

Q: How long does it take to get approved?

A: We can usually get an approval in 30 minutes or less. Your time is valuable, don't waste it going elsewhere!

Q: Do you take trade-ins?

A: Absolutely! You may need less cash down (or possibly none at all!) if you trade-in your paid for vehicle that you're driving now.

Q: What does my credit score need to be in order to qualify for financing?

A: At Arizona Car Sales we don't care what your credit score is. If your credit score is 800+ or below 400, your credit score is absolutely not a consideration when it comes approving your loan. Everyone is approved regardless of credit!

Q: When it comes down to it, why should I choose your dealership?

A: You should choose Arizona Car Sales because Arizona Car Sales offers the BEST USED CAR WARRANTY in the U.S.A and we have a long history of outstanding customer service. We have been awarded an "A" rating with the Better Business Bureau and 100% positive feedback on eBay Motors because of the great way we take care of customers! We have a vested interest in helping your auto loan be successful because we finance you ourselves. We have over 50 years of experience and thousands of sold vehicles to back up our program. If you are ready to rebuild your credit and purchase a quality pre-owned vehicle, Arizona Car Sales is the place for you. At the end of the day it's not only "What" you buy, but "Who" you choose to do business with.


Bankruptcy Auto Loans:

Arizona Car Sales is the leading provider of car loan services for people who have filed a Chapter 7 bankruptcy in Arizona, even if you just filed bankruptcy!
Bad things sometimes happen to good people so we can help many people get an auto financing with a discharged or open bankruptcy. We have several aggressive lenders as well as our in house "Guaranteed Credit Approval" program that provides funds for people with bad credit bankruptcy, no credit bankruptcy, multiple foreclosures bankruptcy, multiple repossesions bankruptcy and Chapter 7 bankruptcy.

In fact, we help people who have just filed or have an open bankruptcy get an auto loan to buy a car. So, if you have had a bankruptcy or recently filed a bankruptcy and you need to buy a vehicle, we WILL get you approved, GUARANTEED!!! Apply online and you will be promptly contacted by one of our bankruptcy auto finance specialist with your approval information, usually within 1 hour!

Don't let others tell you that you can't buy a vehicle with a current or past bankruptcy! We say yes when others say no, guaranteed!


First Time Buyer Auto Loans:

Arizona Car Sales is the leading provider of car loan services for people who have limited or no credit in Arizona!! With a stable job and the right down payment, we help people get auto financing with several aggressive lenders as well as our "Guaranteed Credit Approval" program that provides funds for people with no credit or limited credit!

In fact, we help people who are just starting out such as recent college grads, get an auto loan to buy a car. So, if you have been told that you need a co-signer to buy a vehicle, we WILL get you approved, GUARANTEED!!! Apply online and you will be promptly contacted by one of our first time auto finance specialist with your approval information, usually within 1 hour!

Don't let others tell you that you can't buy a vehicle with no credit or limited credit! We say yes when others say no, guaranteed!


Self Employed Auto Loans:
Self employed auto loans can be tough to find in this economy! The documentation requirements and hassles almost not make applying worth it! The truth about getting an auto loan when you have bad credit and are self employed or work for cash and can't prove your income is pretty harsh. However, at Arizona Car Sales, we can and do help people in finding the right car loan as quickly as possible! If you are self employed and have special needs for your auto loans, Arizona Car Sales is here to help! Applying for a car loan for self employed people can be a big pain in the neck, but it doesn't have to be at Arizona Car Sales!

Since we specialize in these kind of auto loans, we understand the needs of the self employed, taxi drivers, waitresses, entertainers, bartenders and other people who have difficulty documenting their income on tax returns! Don't despair! Arizona Car Sales can have you driving a newer vehicle, usually within an hour!


Military Auto Loans:

The armed forces personnel form a specific and special market segment for the car loan market. Arizona Car Sales specializes at offering customized military auto loans for airmen, sailors and soldiers with a rank of E-2 and up! You will need to show proof of being actively in service with a copy of your LES, orders and military ID. When you are approved, you will be required to start an allotment so you never have to worry about making your payment on time. The good news is that military personnel are more reliable in terms of income and continuity in the job, so the risk for the lender is lower and therefore it is much easier to approve a loan for someone in the military than a civilian auto loan! Just fill out our quick credit application and get approved today!!

Equity Auto Loans:

Have really bad credit history or a limited credit history but you have a large cash down payment? At Arizona Car Sales, we say yes when others say no, GUARANTEED! In fact, we help more consumers get a bad credit car loan than most any other dealer in the area!


Short time on job and/or residence:


While most lenders require a minimum job or residence time, Arizona Car Sales can help you, even if you have a short time on the job or residence. Call, click or stop by today!


Tell me about Arizona Car Sales' Guaranteed Credit Approval Program!

Have you've been told by other dealers or lender that they cannot approve you for financing on a vehicle? Well, a guaranteed credit approval auto loan is a loan offered by us that offers Guaranteed Credit Approval to anyone who wants to buy a car, no matter what their credit history. There are some guidelines that must be met, including full time employment, length of employment, income and--most importantly--down payment. If you, as the buyer, is employed and makes enough income to theoretically make the payments on the vehicle, the buyer will get a loan if you can meet the minimum down payment requirement.

I just had a foreclosure, repossession or bankruptcy. Can I get approved?

Yes! Even with a fresh foreclosure, repossession, or bankruptcy, we can approve you with our guaranteed credit approval auto loan program, usually within minutes. Now, we know you are visiting us for a reason. Relax! We will get you a guaranteed credit approval for an auto loan within minutes, regardless of your circumstances!

I found a car privately (or at another dealership), can I apply and have Arizona Car Sales finance it?

We do not finance vehicles that we do not sell, so if you wish to take advantage of our Guaranteed Credit Approval program, you will need to purchase one of our vehicles.

I have a current car loan and I need a 2nd car; will you finance just me on a 2nd vehicle?

The quick answer is yes! As long as you make enough income to be able to make your current car payment, we will be able to get you a second or third auto loan with our Guaranteed Credit Approval Program!

I work for cash and/or 1099. Can I get financed with you?

Absolutely! We can prove income in a variety of ways:

- Computerized Paystub within the last 2 weeks with taxes taken out of it with a year to date listed.

- 2 months bank statements showing deposits and the deposits are averaged over the 2 months to give us an average.

- 2 months worth of cancelled checks (front and back) from your employer.

Job letters, verbal verifications, earnings printouts, or copies of checks (front only) do not count as proof of income.

What kind of down payment do I need to purchase a vehicle from you?

Great question and we get asked this 99% of the time! We can finance most people with as little as a paid for trade-in as a down payment! With less than perfect credit and our exclusive "Guaranteed Credit Approval" program, we can approve ANYONE who applies provided that they can meet the documentation and down payment requirements. This means that no matter how bad your credit or situation is, we WILL approve you for auto financing.

If we use our in house "Guaranteed Credit Approval" Program, it will require a minimum cash down payment. You should reasonably expect to put between 10-30% cash down of the price of the car in addition to any trade in as a down payment under this program. If you do not have that much down payment, we have a network of 25 lenders (banks, finance companies, credit unions) that we will be happy to submit your application to. Obviously, the higher the down payment you can bring to the table will greatly help your ability to get the vehicle you desire.

Again, we cannot quote how much down you need to be approved until you give us a complete application that we can run in our underwriting system, so the best strategy is to come in or fill out our online application so we can tell you how much you are approved for and what the required down payment would be on the vehicle you are interested in.

Again, regardless of your past or present credit issues, we GUARANTEE Credit Approval, so what are you waiting for?

I don't have a down payment and I need a car now! What can I do?

We understand budgets and your ability to put cash down on a vehicle. In most cases, we can and do accept trade-ins as long as you have title and can drive the trade-in to our dealership. In many cases, your paid for trade-in can be used as most or all your down payment toward a vehicle.


If your credit is better than average, we offer auto loans with little or zero down through our network of outside lenders. However, with our Guaranteed Credit Approval program, a good down payment will help overlook most past credit problems including a recent divorce, foreclosure, or repossession. Regardless of your past credit, you WILL be approved for auto financing, so click the link and get your Guaranteed Credit Approval today!

"I have $300 now and I can give you $1000 more in 2 weeks when I get paid; can you help me?"

We hear this every day. We want to help you get the car, truck, van, or SUV you want. However, asking us to have you owe us down payment while you need to make your monthly payment on time puts us in a tough position. When a customer has to make payments on down payment and has to make their 1st car payment and something comes up, it's difficult for us because we want you to make your payments to the lender, but we also want our down payment paid. We don't want to see you fail, we want you to succeed, but if you owe us and owe the car payment to a lender, you're set up to fail in most cases. We will allow you, in most cases, to give us what you are working with to hold the car until you have the required down payment. For the reasons above, we do not deliver vehicles to customers that need to make payments on the down payment until all the down payment is paid. We will consider holding a vehicle for you with a deposit until you are able to come up with all of the down payment to take delivery, so ask a salesperson for details on this program.

I have a 2002 Chrysler PT Cruiser(or whatever vehicle you have) and I owe $10,000.00 on it, can I trade that vehicle in and buy one of yours?

Excellent Question! We can and do take any vehicle in trade. To get an idea what your trade is worth, please click the trade appraisal button on the top of our website. It will give you an online estimate as to the trade value. Once you receive that, it will tell you the equity (or negative equity) you have in your vehicle. "Equity" would be when you owe less than what the vehicle is worth while "Negative Equity" or "Upside Down" would be when you owe more on the vehicle than what it is worth.

If we are able to place your loan with an outside lender (bank, credit union, etc.), we MAY be able to take the "Negative Equity" you have in your vehicle and add it to the vehicle you buy from us.

However, if we need to utilize our in house Guaranteed Credit Approval program, you must have a positive down payment (meaning, we are not able to finance "Negative Equity"). To use this program and to trade a vehicle you still owe money on, we will require you to come up with the difference between what you owe and what the vehicle is worth in order for you to trade your vehicle that still have a negative balance on it.

. It is possible, as we've mentioned above, for you to buy a vehicle from us and not trade your open auto loan, enabling you to maybe get more selling it on your own. That said, our in house Guaranteed Credit Approval auto loans are to establish or reestablish credit and are not designed for rolling over negative equity loans.

Can I buy the $35,000 Suburban I saw on your website in this program?

Another good question! If you have better than average credit, we utilize many aggressive outside lender partners (banks, credit unions, etc.) that finance higher dollar vehicles. Our lender partners will look at your current residence, job, debt to income, monthly income, down payment, and ability to make the monthly payment.

However, if we have to use our in house Guaranteed Credit Approval Program, please realize that it is a second chance auto finance program that will usually keep your loan between a maximum of $5,000- $10,000 with an average monthly payment of between $250-400 a month. This program is not intended for $20,000+ auto loans, however, we may have other outside lending programs (banks, finance companies & credit unions), other than our in house Guaranteed Credit Approval Program, that would work for a more expensive vehicle.

Therefore, for your protection and ours, they will limit you to a payment that is in your budget, most times an auto loan for between $5000- $10,000. Again, if you have better than average credit along with a good income and down payment, we may be able to qualify you for more under a different lending program than Guaranteed Credit Approval. Please understand that this is an opportunity for you to rebuild your credit and, after purchasing a vehicle from us and making on time payments on this loan for 12-18 months, we may have the opportunity to trade you out of this vehicle and get you into the vehicle you really want to purchase.

I put in my application and you approved me, but it said I need more down payment to buy the car I chose....

Again, We offer a guaranteed credit approval to ANYONE who applies provided that they can meet the documentation and down payment requirements. However, this does not mean you can buy a $30,000 vehicle without a down payment or with a low down payment. Our in house loan underwriting system will determine the down payment required based on how expensive a vehicle you choose, your monthly income and ability to repay the debt. Just because we can guarantee a credit approval, it does not mean approval on a specific vehicle you choose unless you can put the minimum down payment required by our lender partner. However, if you can put the minimum down payment required by the lender, you very well may be approved for financing on the vehicle you choose.

OK! I'm ready to do this- how do I get my Guaranteed Credit Approval? *:

What do I need to bring in to drive home NOW?

* Down Payment (Amount down is determined by vehicle and credit application.)

* Trade title or lien release for your trade in

* Completed Loan Application

* Minimum $1000.00 a month income (must supply 2 recent paystubs with tax deductions or 2 months bank statements)

* If on SSI, provide current award letter or last 3 months bank statements showing direct deposits

* If receiving child support it must be court ordered + provide 3 months bank statements showing deposits

* If receiving per capita income, current direct deposit stub dated in last 30 days + 2 months bank statements

* If receiving Alimony it must be court ordered with 3 months bank statments showing deposits

* Work Address and Human Resources Phone number to verify your employment.

* Proof of Residence (utility bill, bank statement, phone bill) in YOUR name

* Current Home or Cellular Phone Bill

* All applicants & Co-applicants must be enrolled in the Automatic debit payment system for monthly payments

* Proof of Child Support, Social Security, Disability Benefits (if using as income)

* Chapter 7 Bankruptcy - if you have filed bankruptcy, you must supply proof you have had the "341" credit meeting or that it has been discharged.

* Chapter 13 Bankruptcy- Must supply a letter from the Trustee's office stating that the new loan will not be included in the bankruptcy.

* Minimum of 6 references (NO PO Boxes, must have full street address and phone number).

* Proof of Insurance (MAXIMUM $500 deductible, Full Coverage Required)

* Proof of Bank Account (savings and/or checking statement)

* Co-Buyer/Spouse - must supply all of the above

If you have any questions, please call us!

Is there anything that will disqualify me for a Guaranteed Credit Approval?

1) Our lenders do NOT accept Unemployment, Student loans or Aid, Foster Care or non court ordered child support or alimony as sources of income. As a rule, if it can't be proven on a bank statement, court order or tax return, our lenders do not consider it income. We do accept many different ways to prove income, so if you have any questions, please call or stop in.

2) If you have a P.O. Box for an address, you MUST be able to prove that you live at a physical residence with a recent utility bill that can be tied to that address. Failure to provide will cause your application to be declined. Also, if you live at a hotel/motel, that will cause your application to be declined for an irregular residence. However, once you get a permanent residence, we can re-consider your application.

3) Prior loss, repossession or charge-off with Credit Acceptance, Arizona Car Sales or one of our affiliated entities will cause you to be declined until prior balance(s) with us are paid in full.

Once you have submitted your application, you will be notified via e-mail the status of your credit approval and we will set an appointment with you to get you your new vehicle!

**Not all vehicles will qualify for this program. Valid Driver's License, Minimum income and down payment requirement apply. Documents required by lender must be provided for approval to be issued. Applicant responsible for any negative equity in trade in. See us for details!


Arizona Car Sales in Phoenix/Mesa AZ sells used cars to people with credit problems. That's all we do, and because we're also the bank, we can get you a car regardless of your credit history. Call us at 1-480-821-6161 to get your dream car, truck, or SUV today!

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