What you need to know about buy here/pay here

What is a buy here, pay here car lot? It is a dealer that will keep the loan in house and make financing a vehicle for you super easy. The first step starts when you stop by the lot and pick out a vehicle that fits your budget. Are you unsure if your credit is good enough or are you just trying to establish some credit?. We can help. We try to make the buying process easy with no stress.

When you choose a buy here pay here such as Bill Williams , we try to keep it simple. With the following we can get you in a new vehicle:

Proof of income (last 3 paycheck stubs) or reward letter from Social Security
Driver's license
Proof of residency
Full coverage insurance with $500 deductible
Down Payment

It's as easy as that. Stop by and check out our selection. We're excited to get you in a vehicle that fits your style and budget.

Do I need good credit?

No you don't. The biggest advantage of buy here, pay here financing is that we won't look at your credit history or credit score. You won’t be denied a loan for bad or no credit history.
What can I use for proof residency?

You'll need to provide proof of residence to qualify for a loan. Current utility bill in your name will typically suffice.
Who is the lien holder?

Bill Williams Auto, Inc. would be the lien holder.
How much down payment do I need?

It depends on the purchase price of the car.