Buy Here Pay Here

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Why Should you choose Ray Skillman Buy Here Pay Here?


  • Lifetime Oil Changes over the course of the loan
    • Over the years of servicing vehicles, we’ve found that most problems can be prevented with routine maintenance. That’s why for the life of your loan, the oil changes are on us.
  • Over $800 spent on average for BHPH vehicle reconditioning
    • We take pride in the vehicles we sell. All of our BHPH vehicles go through a rigorous multi-point inspection to ensure they are both mechanically and cosmetically sound before they hit the road.
  • Reporting to Credit Bureau
    • We don’t just say it. We do it. We understand that bad things sometimes happen to good people and want to help you re-establish your credit.

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We Believe In Second Chances!

Buy Here Pay Here Auto Financing for Indianapolis Drivers

Have you been trying to get approved for financing for a car in Indianapolis, Plainfield, or Greenwood with no luck? Ray Skillman Southside Kia has the solution for you.

Do you have bruised or damaged credit due to a lost job, divorce, or medical reasons? Are you having a hard time getting approval for financing due to bad credit? We believe in second chances for our customers and that is why we created the Buy Here, Pay Here program to help you get the financing you deserve. Come see us at Ray Skillman Southside Kia to get started.

What Is Buy Here, Pay Here?

You may be thinking ok, what is this Buy Here, Pay Here program I keep hearing about? You may be familiar with traditional financing options like banks, credit unions, or loans directly through the manufacturer, but Ray Skillman Southside Kia gives our customers another option. Our Buy Here, Pay Here program was designed for people that need a car, but don’t qualify for traditional financing options. These loans are financed directly through our dealership for quick approval. We do everything in-house to give you another option to qualify for financing for your next vehicle. We work with local and national lenders to get you the best interest rate on your loan because you deserve a great deal no matter what your credit situation may be. We have flexible payment options that work around your budget so that you can begin to rebuild your credit. For more information, you can talk to the finance department at Ray Skillman Southside Kia today.

Benefits Of Buy Here, Pay Here

There are many benefits to opting for our Buy Here, Pay Here option. The most obvious of course may be that you can get approved for one of our used cars. There are many more benefits to the program than just a new to you car. When you make your payments on time every month, you can begin to rebuild your credit. We report your timely payments to the Credit Bureau to help you establish or begin to repair your damaged credit. We spend on average around $800 reconditioning our used inventory vehicles to give you a great used car. All of our Buy Here, Pay Here vehicles go through a rigorous multi-point inspection so we can make sure they do not have any mechanical, safety, or cosmetic defects. If we find an issue, we repair it prior to listing it in our Buy Here, Pay Here inventory. The best benefit may be that you get FREE oil changes for the life of the loan. That’s right, they are on us! This not only saves you money on maintenance, it can help stave off any issues that may come up with your vehicle too. Talk to our team for more information at Ray Skillman Southside Kia.

Are You Ready To Get Started?

Now that you know that second chances are possible, are you ready to get started? We welcome you to come down to Ray Skillman Southside Kia and talk to our team of specialists. They can help walk you through the process so you can get approved for our Buy Here, Pay Here program. If you aren’t quite ready, you can check out our inventory of Buy Here, Pay Here vehicles on our website, then if you find the vehicle of your dreams, you can fill out the online application form or call us to get started. We have a great selection of vehicles that are available for this program so you can find the car, truck, or SUV that meets your needs and won’t break the bank. We can’t wait to help you get the car of your dreams and help you repair your credit in the process. Come see us at Ray Skillman Southside Kia today.