Buy Here – Pay Here

Bad Credit? No Credit? Our “Buy Here – Pay Here” Plan Can Get YOU in a Car Today!

Don’t let a bad credit score hold you back from Applying Today! Highway Motors in Chico doesn’t use credit scores to qualify or disqualify car buyers from a car loan. Our Buy Here – Pay Here program can get you into a car regardless of your credit score.  Life is dynamic and there are many reasons why people find themselves with bad credit when needing an auto loan. Many people are facing circumstances beyond their control such as a death in the family, unemployment, disability, divorce or sickness.

Bad Credit can affect more than just your ability to borrow money. It can influence our opportunity of landing a job or renting an apartment. To understand what bad credit is, how it is measured, and how to repair it requires an understanding of how our financial lending system measures our credit.

Measuring our creditworthiness- how likely we are to repay our debts- begins with something called a credit score. Folks with bad credit have low credit scores and those with great credit have high scores.

A credit score is a number that lenders use to show how risky of a borrower you are. The standard credit score is called a FICO Score. Named after the Fair Isaacs Corporation who devised the standard formula.

Credit scores typically range between 300 and 850 (the higher the better). Recent laws have ensured that people can access their own credit report every year for free.

Perhaps you are rebuilding your credit because of one or more of the circumstances above or you’re a young person just starting out. Highway Motors bad credit auto financing and first-time buyer programs have helped thousands of families throughout Northern California build or rebuild their credit. Our partner Interstate Credit Solutions reports to Equifax and Transunion every month ensuring you get credit for those car payments. We serve Chico CA, Orland CA, Los Molinos CA, Corning CA, Red Bluff CA, Anderson CA all the way to Redding CA. We also serve Oroville CA, Paradise CA, Gridley CA, Live Oak CA, Yuba City and Marysville CA. Are you from Williams CA or Colusa CA we serve there too!

If you need a low-down payment and have bad credit? No worries!  Apply for the credit you deserve regardless of your bad credit score.

What do you need to get started for our Buy Here – Pay Here program ?

  • Proof of monthly income ($1,200 Minimum)
  • Proof of current address (Utility or Cable bill)
  • 10% down payment (Based on Price of the Vehicle)
  • 7-10 Personal or Business References
  • Full coverage Insurance with a $500 minimum Deductible Required
  • Valid Picture ID

What will your vehicle come with?

Each of our pre-owned vehicles comes with a 90 day Or 3,000-Mile Warranty and a Free Carfax Report. Please be advised that all our vehicles will be equipped with GPS (Global Positioning Device) throughout your purchase contract.

All of our purchase contracts are written with an interest rate of 24.95%. Payment terms are for 48 months or less depending on your application and the vehicle you choose. Are you ready to begin creating your own destiny and rebuild your credit?

Why not apply today?  Make sure to give us a call or visit our sales office and we will be glad to show you the latest in our ever-changing vehicle inventory


Or give us a call at 530-895-5555.


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