Instant Auto Lancaster FAQs
Instant Auto Lancaster FAQs
Q: What is buy-here pay-here and how does it work?
Buy-here pay-here (BHPH) means you finance your vehicle directly through Instant Auto Sales Lancaster rather than through a bank or credit union. We make the lending decision in-house, which means we can approve customers that traditional lenders decline. Your income and ability to pay matters more to us than your credit score.
Q: Can I get approved with bad credit in Lancaster, Ohio?
Yes. Instant Auto Sales Lancaster specializes in bad credit auto financing in Fairfield County. We approve most customers who apply, including those with low credit scores, missed payments, or limited credit history.
Q: Can I get approved after a bankruptcy or repossession?
Yes. Neither bankruptcy nor repossession automatically disqualifies you here. We evaluate your current income and stability. Many of our customers have gotten back on their feet financially with our help.
Q: Do you serve customers near Columbus?
Yes. We're about 35 miles east of Columbus on US-33, and we serve buyers from Pickerington, Canal Winchester, Reynoldsburg, Groveport, and other Columbus-area communities.
Q: Do you serve Newark and Licking County?
Yes. Newark is about 20 miles north of Lancaster, and Licking County buyers are a regular part of our customer base. We can often approve customers who have struck out at Newark-area dealerships.
Q: What vehicles do you carry?
We carry 30+ quality used cars, trucks, SUVs, and diesel trucks at any given time. Our inventory is selected to serve Fairfield County budgets — reliable, inspected vehicles across a range of price points.
Q: What is the down payment requirement?
Down payment requirements vary by vehicle and by individual situation. We work with customers to find a manageable amount. Call (740) 777-6550 or come in to discuss your specific situation.
Q: Do you serve Pickerington and Canal Winchester?
Yes. Both communities are within 30-35 miles of our Lancaster location. Buyers from these fast-growing Columbus suburbs who need BHPH financing find Lancaster is an easy drive.
Q: Can I trade in my current vehicle?
Yes. We accept trade-ins. Bring your vehicle in for an appraisal and the value is applied toward your purchase, which can lower your down payment requirement.
Q: What documents do I need to bring to apply?
Typically a valid driver's license, proof of income, proof of residence, and proof of insurance. Call (740) 777-6550 to confirm current requirements before your visit.
Q: Do you serve Perry County and New Lexington?
Yes. Perry County including New Lexington and Thornville is within our service radius. We're a convenient BHPH option for Perry County buyers who need in-house financing.
Q: Does Instant Auto Sales Lancaster serve Logan and Hocking County?
Yes. Logan is about 30 miles west of Lancaster, and we serve Hocking County buyers who are looking for in-house financing options that may not be available locally.
Q: How quickly can I get approved and drive home?
Many customers are approved and driving the same day. Come in with your documents ready and our team will work to get you into a vehicle as quickly as possible.
Q: Do payments report to the credit bureaus?
Ask our team at the time of purchase about credit reporting on your specific loan. Understanding how your payments affect your credit going forward is an important part of the financing conversation.
Q: Why choose Instant Auto Sales Lancaster over a Columbus BHPH dealer?
We're closer and more accessible for Fairfield County residents, our inventory is priced for this market, and our team gives every customer personal attention. If you've been turned down in Columbus, give us a chance.