How are we different than other Buy Here, Pay Here lots?

Most all Buy Here, Pay Here lots advertise that they have low down payments and will financing anyone even with bad credit. And yes most of them do, but here is the catch, we do not run credit so your down payment is not determined on your credit score. So, if you have been quoted an unreasonable down payment from another Buy Here, Pay Here lot you need to come see us. If you are in a position that you can put down a large down payment, then you also need to come see us because here is what we will do: WE MATCH YOUR DOWN on anything over the listed down that is not required.

We also offer financing on qualified units through a third party lender, however they are W.A.C .
( Terms will be assigned by lender) Easy to work with even if credit score is low!!

All of our in- house financed cars come with a 3 month/3,000 mile limited warranty provided with a small deductible amount. NO extra cost to contract.

Our Application process is simple with an approval in as little as 30 minutes. Never an application fee. We simply need proof of income, proof of residency within the last 30 days and a valid drivers license ( Missouri is preferred but others states will be accepted with validation).

To apply online please use our jotform application at:
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Location: Cars 4 U, LLC
629 E Kearney
Springfield, MO 65803
Phone #: 417-866-8066
Fax: 314-558-8127
Email: Email us at
Store Hours: Monday 10 - 4, Tuesday thru Friday 10 - 6, Saturday 12-4
copy and paste link for applications