Family-owned since 1963 · 11 lots across Georgia
How financing works
Buy here, pay here. Your income and down payment matter more than your score.
How we approve
Income and down payment
That's what your approval is based on. We look at credit, but your score doesn't decide it.
All credit welcome
Good credit, bad credit or no credit at all.
Build your credit
We report your pay history to TransUnion, Experian and Equifax.
3½ years or less
Shorter loans, so you pay your car off sooner.
Good, bad or no credit.
From application to your ride
Start your approval
Four quick questions.
Finish your application
Then our team follows up.
Pick your car and ride
At any of our 11 lots.
Start your approval
Fill out the application below. Our team will follow up with you.
Included with every financed car
6 months / 6,000 miles
Covers the major issues that would keep you from getting back and forth to work. $100 deductible.
No insurance yet?
We have an option for you. Ask our team about it when you buy.
Programs that reward you
VIP
Paid off a Rainey car? Get a lower rate and a down payment credit on your next one.
Premier
Lower rates on our nicer, newer vehicles for customers who qualify.
Common questions
Do you check my credit?
We look at it, but your score isn't the deciding factor. Approval is based on your income and down payment.
Will this help my credit?
We report your pay history to all three bureaus (TransUnion, Experian and Equifax), so you can build your credit.
How long are your loans?
3½ years or less, so you pay your car off sooner.
I don't have insurance yet.
We have an option for you. You'll carry physical damage insurance with a $500 deductible for the term of the loan, plus the liability insurance state law requires.
What happens after I apply?
Our team follows up with you about your next steps.
We don't tell people no. We tell them how.
Family-owned since 1963. We don't tell people no. We tell them how.
Mon–Fri 9 AM–6 PM (Albany-Oglethorpe, LaGrange and Valdosta until 7 PM) · Sat 9 AM–4 PM · Sun closed
Start Your ApprovalOur 11 lots
Buy here, pay here · In-house financing in Georgia