Business Details
50+ Years
experience
Your Trusted Buy Here Pay Here Dealership in Lake Wales, FL
Ray's Motor Sales has been a family-owned and operated buy here pay here dealership since May 15, 1964, serving Lake Wales, FL, and surrounding areas. Our 55+ years of experience in the automotive industry allow us to offer tailored financing solutions for customers with credit challenges, focusing on job stability, income, and residency history rather than credit scores. Every vehicle comes with a complimentary CARFAX report and a 3-month/3,000-mile limited warranty, ensuring reliability and customer confidence.As a member of the Florida and National Independent Automobile Dealers Associations, we prioritize ethical practices and community involvement, supporting local schools, sports teams, and events. Our streamlined approval process often gets customers on the road within an hour, backed by a 5-star Google rating and decades of customer trust.
Services
Used Vehicle Sales
In-House Financing
3-Month Warranty
Online Pre-Qualification
CARFAX Reports
Flexible Payment Plans
Community Support Programs
Details
- Year established: 1964
Highlights and features
- Family-owned since 1964 with decades of automotive industry expertise.
- No credit check financing prioritizing job stability and income history.
- 3-month/3,000-mile limited warranty on all vehicles for peace of mind.
- Community involvement supporting local schools and events.
- Quick approval process with vehicles ready to drive within an hour.
What people say
Excellent experience
Friendly staff
Smooth process
No pressure
Great service
Services
Buy Here Pay Here Financing
Our buy here pay here financing program eliminates third-party lenders, offering direct dealership financing for customers with credit challenges. We evaluate applications based on job stability, income, and residency history rather than credit scores. Flexible payment schedules and low down payment options make vehicle ownership accessible while helping customers rebuild financial trust.
Used Vehicle Sales
We offer a wide selection of late-model, low-mileage vehicles from brands like Toyota, Honda, Hyundai, and Kia. Every vehicle undergoes thorough inspection and necessary servicing to ensure reliability. Our inventory includes sedans, SUVs, trucks, and minivans to suit diverse transportation needs.
3-Month Limited Warranty
All purchased vehicles include a 3-month/3,000-mile limited warranty covering critical components like engines, transmissions, and cooling systems. This warranty provides repair coverage at no additional cost, ensuring customer confidence in their vehicle's reliability during initial ownership.
Online Pre-Qualification
Our online pre-qualification process takes less than two minutes with no impact on credit scores. Customers receive immediate approval decisions and can complete income verification via text message, streamlining the path to vehicle ownership.
Community Involvement
As a family-owned business since 1964, we actively support Lake Wales Little League, local schools, and community events. Our commitment extends beyond sales, fostering long-term relationships and contributing to regional growth and development.
People
Rick McGill
President
Rick McGill leads Ray's Motor Sales with decades of automotive industry experience, upholding family values of integrity and customer care since the dealership's founding in 1964.
Matt McGill
VP
As Vice President, Matt McGill combines generational expertise with modern practices, ensuring seamless customer experiences and maintaining the dealership's 5-star reputation through ethical business standards.
Susie McGill
Title Clerk
Susie McGill manages title processes with precision, leveraging her deep understanding of dealership operations to streamline transactions and support customer satisfaction.
Chuck Leech
Customer Service
Chuck Leech provides personalized customer service, ensuring clients receive clear information and support throughout their vehicle purchase journey at Ray's Motor Sales.
Questions
Do you offer financing for customers with bad credit?
Yes, we specialize in buy here pay here financing for customers with bad credit or no credit history. We consider job stability, income, and residency instead of credit scores.
What documents are required for approval?
We require proof of income (paystubs, bank statements), proof of residence, and employment verification. Servers' income documentation is also accepted.
Are warranties included with vehicle purchases?
Every vehicle includes a 3-month/3,000-mile limited warranty covering engine, transmission, and major systems. Some vehicles may retain manufacturer warranties.
How quickly can I drive away with a vehicle?
Our approval process typically takes less than an hour. Once approved and paperwork is completed, you can drive away immediately.
What payment methods do you accept?
We offer automatic payments, online/phone payments, in-person payments, ACH drafts, and bill pay options for customer convenience.
