Financing FAQ's
How Does Financing at Auto Deals Unlimited Work?
At Rubio Auto Sales, we believe that dependable transportation should be within reach for every driver, regardless of their financial situation. That's why we offer both traditional auto financing and our in-house Buy Here Pay Here program, giving customers more opportunities to purchase a quality pre-owned vehicle. Whether you have excellent credit, are rebuilding your credit, or have been turned down elsewhere, our experienced finance team is committed to helping you explore the financing options that best fit your needs.

We understand that every customer's situation is different. If you've experienced past credit challenges, have limited credit history, recently changed jobs, or simply aren't sure where to begin, we're here to guide you through the process with honest answers and personalized service. Below you'll find answers to many of the questions we hear most often about financing, Buy Here Pay Here, approvals, required documentation, payments, and what you can expect when purchasing your next vehicle from Rubio Auto Sales.
Flexible Financing Options for Every Credit Situation
At Rubio Auto Sales, we understand that no two customers have the same financial situation. That's why we offer both traditional auto financing and our in-house Buy Here Pay Here program. Whether you have excellent credit, are rebuilding your credit, or have experienced financial challenges in the past, our goal is to help you explore financing options that fit your individual needs and budget.

Unlike dealerships that rely exclusively on outside lenders, Rubio Auto Sales has the ability to provide in-house financing for qualifying customers who may not meet traditional lending requirements. This allows our experienced finance team to take a more personalized approach while helping more drivers throughout Homestead and South Florida get behind the wheel of a dependable pre-owned vehicle.

Financing Designed Around Real Life
Life doesn't always go according to plan. Previous credit challenges, limited credit history, unexpected expenses, or changes in employment can make obtaining traditional financing more difficult. Our team understands that every customer's story is different, and we're committed to listening first before recommending the financing solution that's right for you.

Beyond financing, we're committed to providing dependable transportation you can count on. Every vehicle is carefully inspected before being offered for sale, and our customers benefit from access to Rubio Auto Body, professional automotive service, and custom wheels and tires to help keep their vehicle looking and performing its best long after the purchase.

Straightforward Terms. Honest Communication.
We believe financing should be easy to understand. Before you complete your purchase, our team will clearly explain your financing options, payment schedule, down payment requirements, and any available warranty or service coverage associated with your vehicle. We encourage customers to ask questions so they feel informed and confident every step of the process.

Whether your financing is arranged through one of our lending partners or our Buy Here Pay Here program, Rubio Auto Sales is committed to providing a transparent buying experience centered around respect, honesty, and long-term customer relationships.

Financing Questions & Answers

What financing options does Rubio Auto Sales offer?

Rubio Auto Sales offers both traditional auto financing through lending partners and our in-house Buy Here Pay Here program. This allows us to assist customers with a wide range of financial situations and credit backgrounds.

What is Buy Here Pay Here financing?

Buy Here Pay Here financing allows qualifying customers to finance their vehicle directly through Rubio Auto Sales instead of relying exclusively on traditional lenders. It's designed to provide an alternative financing solution for customers who may not qualify through conventional lending institutions.

Can I get approved with bad credit or no credit?

Yes. We regularly work with customers who have previous credit challenges, limited credit history, or no established credit. Every application is reviewed individually so we can recommend the financing option that best fits your situation.

How much should I expect for a down payment?

Down payment requirements vary depending on the vehicle, financing program, and your individual circumstances. Our finance team will explain the available options and help you determine what works best for your budget.

Can I qualify if I've had a repossession or bankruptcy?

Previous financial challenges don't automatically prevent you from purchasing a vehicle. Our team will review your current situation and discuss the financing options that may be available to you.

What documents will I need to apply?

Most customers should be prepared to provide a valid driver's license or government-issued ID, proof of income, proof of residence, and current contact information. Depending on your application, additional documentation may be requested.

Can self-employed customers apply for financing?

Absolutely. Self-employed customers are welcome to apply. Depending on your situation, we may request additional documentation to verify your income.

Can I trade in my current vehicle?

Yes. We accept trade-ins and can apply your vehicle's value toward the purchase of your next vehicle. We also purchase quality used vehicles from customers who aren't buying another vehicle from us.

How long does the financing process usually take?

Every application is different, but our team works efficiently to review your information and explain your financing options as quickly as possible. We'll keep you informed throughout the process.

Do I need to select a vehicle before applying?

No. Many customers begin the financing process first so they have a better understanding of their available financing options before selecting a vehicle from our inventory.

Will my credit be checked?

The financing process may include a review of your credit history depending on the financing option being considered. Our finance specialists will explain the process and answer any questions before moving forward.

Do your vehicles include warranty coverage?

Many of our vehicles include limited warranty coverage. Available warranty options vary by vehicle, and our team will review the applicable coverage before you complete your purchase.

Can I apply for financing online?

Yes. Our secure online finance application allows you to begin the process from the comfort of your home. Once your information is received, a member of our team will contact you to discuss the next steps.

Can I use my own bank or credit union?

Yes. Customers are welcome to use outside financing if they prefer. Our team can also help you compare financing options to determine which solution best meets your needs.

Who does Rubio Auto Sales serve?

Rubio Auto Sales proudly serves drivers throughout Homestead, Florida City, Leisure City, Cutler Bay, Kendall, South Miami-Dade County, the Florida Keys, and surrounding South Florida communities.