: A flexible alternative that often features lower monthly payments and lower down payments (starting at $99). At the end of the lease, you typically have the option to purchase the vehicle outright or upgrade to a newer model. Requirements for Approval Lease Here Pay Here | Ray Skillman Auto Group
: A traditional in-house loan where you purchase the vehicle directly from the dealer. These are typically short-term loans, often 2–3 years, aimed at helping you pay off the car quickly and move toward conventional financing. ray skillman buy here
Ray Skillman offers two primary in-house options to help drivers rebuild credit through monthly reporting to major bureaus. : A flexible alternative that often features lower
The Ray Skillman (BHPH) program is an in-house financing service designed for individuals with poor or no credit history. Instead of using third-party banks, the dealership lends its own capital to customers, making approval easier based on income and residency rather than just a credit score. Core Programs and Financing These are typically short-term loans, often 2–3 years,
