How It Works
Our process & what to bring to the dealership
Buy Here, Pay Here Made Easy
At Agree Auto Sales, our Buy Here Pay Here process is designed to be simple, transparent, and local. Because we provide 100 percent in-house financing, we make approval decisions ourselves without relying on banks or outside lenders. This allows us to work directly with customers who have bad credit, no credit, or past financial challenges and focus on realistic payment options.

Whether you are just getting started or ready to move forward, our process is built to save time and reduce uncertainty. From pre-qualification to vehicle selection and final approval, our team helps drivers from Warren, Youngstown, Boardman, Austintown, Niles, Girard, and nearby communities understand exactly what is required at each step.
 

Step 1: Get Started

Begin by submitting a pre-approval or credit application online, or visit Agree Auto Sales in person. Pre-approval requires only basic contact information and does not include a credit check.

Step 2: Review and Pre-Qualification

Our team reviews your information and confirms what is needed to move forward. Because we finance vehicles in-house, we prioritize stability and affordability over credit scores alone.

Step 3: Choose Your Vehicle

Once pre-qualified, we help you select a quality inspected used vehicle that fits your needs and your approved payment range. Our inventory comprises cars, trucks, vans, and SUVs from various makes and models.

Step 4: Final Approval and Drive

After final details are confirmed, we review payment terms with you clearly and finalize the process so you can drive with confidence.
How does Buy Here Pay Here work at Agree Auto Sales?

Agree Auto Sales provides financing directly instead of using a bank. We approve customers in house, set payment terms locally, and work directly with buyers throughout the process.

What do I need to qualify for Buy Here Pay Here financing?

Most customers need a valid ID, proof of income, proof of residency, and current contact information. Specific requirements may vary depending on individual circumstances.

Can I qualify with bad credit or no credit?

Yes. Our Buy Here Pay Here program is designed to help customers with bad credit, no credit, or prior financial challenges by focusing on real world factors rather than credit scores alone.

Do you require a credit check to get started?

Pre-approval does not require a credit check. A full review may occur later in the process, but approval is based on overall stability and affordability.

How long does the approval process usually take?

In many cases, the process can move quickly once all required information is provided. Our goal is to keep the process clear and efficient.

Do I need to choose a vehicle before getting approved?

No. You can get pre-qualified first and then select a vehicle that fits within your approved payment range.

Where is Agree Auto Sales located and who do you serve?

Agree Auto Sales is located in Warren, Ohio and serves customers from Youngstown, Boardman, Austintown, Niles, Girard, Struthers, Campbell, Sharon PA, Hermitage PA, and surrounding areas.

Are the vehicles inspected before they are sold?

Yes. Vehicles are quality inspected before sale, and our on site service department includes ASE certified technicians who support inspections and repairs.

How do payments work with in house financing?

Payments are handled locally through Agree Auto Sales. Customers can make payments on site or use available electronic payment options for added convenience.

How long has Agree Auto Sales been serving the Warren area?

Agree Auto Sales has been family owned and operated in the Warren area for approximat