How Our Loans Work

Car Dealer Joe is looking for hard workers that need a second chance or just a better vehicle.  If you are looking for buy here pay here in Rochester then we may be that dealership.


1. Job on the books

2. No OPEN car loans.

3. Past repossessions may be accepted if you have been employed for over one year.

4. Down payments are $1500 on most cars. If you been on a full time job more than 1 year and earn more than $350 a week we maybe able to take less.

5. Must have valid NY State Drivers license.

6. Must be at least 21 years old.

We do Not off No credit check car loans,but, we have very lenient sub prime lenders.