If you’ve been turned down for Automotive Credit, we can help. At Ray Skillman, we’ve been helping people for over 20 years. We’ve put thousands of satisfied customers in clean dependable cars and helped them reestablish credit. Good people deserve a second chance and a good dependable car. At Ray Skillman, "Your Best Chance to Get Financed"

How does Ray Skillman In House Financing or “Buy Here Pay Here” work?
Traditional banks primarily look at past history for ability to repay a loan. Loans can be a problem for people without prior credit history or people that have had a bump in the road. At Ray Skillman, we look at your individual situation. Instead of making payments to a traditional bank, you make weekly or biweekly payments at the dealership. You are buying the car from Ray Skillman and making payments to Ray Skillman.

Who should go to Ray Skillman BHPH?
Ray Skillman Buy Here Pay Here is primarily designed for shoppers who may have experienced significant financial bumps. If your credit score is on the lower end of the the scale or if you’ve had a problem getting financed, Ray Skillman should be one of the places you visit during your car search.

What are the benefits of Ray Skillman BHPH?

Available cars, available credit
Unlike most Buy Here Pay Here lots, Ray Skillman selects from local trade-ins. Most Buy Here Pay Here lots have to buy there supply of cars from auctions.
The most important benefit of Ray Skillman Buy Here Pay Here is that it gives people the opportunity to get transportation.

Opportunity to improve credit
One of the best ways to build your credit history is to make timely payments on an installment loan. Ray Skillman reports to credit reporting agencies. Many Buy Here Pay Here dealers do not. Ability to build your credit is another important benefit to doing business with Ray Skillman BHPH.