Buy here, pay here
No credit check car financing in Manassas, VA
We're the dealership and the lender. That means no bank runaround, no credit check, and a real answer while you're on the lot for bad credit, no credit, or first-time buyers. Se habla español.
No Credit Check
Your steady income and down payment are what count here, not your credit score. We don't run your credit.
Approved on the Lot
The people who own the lot make the call — not a bank, and not in a week. No waiting on a bank to decide.
Payments That Fit
We build the payment plan around your budget and your pay schedule, and you pay us directly. Simple.
Todo en Español
El financiamiento completo en tu idioma: preguntas, papeleo y pagos, todo en español si así lo prefieres.
Already financing with us?
Make your monthly payment online in about a minute, right from your phone. Card, Apple Pay or Google Pay.
How it works
Drive home in three steps
1. Pick your car
Browse the lot or our online inventory and find the ride that fits your life and your budget.
2. Bring the basics
A valid driver's license or ID, proof of income, proof of residence, and your down payment. That's it.
3. Drive home today
We set your payment plan, sign the paperwork on the spot, and hand you the keys. Same-day delivery is often possible when your documents are in order.
Common questions
Buy here pay here, explained
What does “buy here, pay here” mean?
It means Ride Time VA is both the dealership and the lender. You pick your car here, we finance it here, and you make your payments directly to us, no bank or outside finance company involved.
Do you really not check my credit?
That's right, we don't run a credit check. Approval is based on your income, your down payment, and a valid ID, not your credit score.
Can I get a car with bad credit or no credit?
Yes. Bad credit, no credit history, even a past repossession. You can still get approved at our Manassas lot, because the decision is ours, not a bank's.
What do I need to get approved?
A valid driver's license or ID, proof of income, proof of residence, and a down payment. Bring those and we can often get you approved the same day.
Do you offer financing in Spanish?
Sí. Most of our team speaks Spanish, so we can handle the car, the paperwork and your payments in Spanish. Se habla español.
Get approved today.
Come by the lot at 9150 Prince William St in Manassas, or give us a call. We'll tell you what you qualify for while you're here.