Buy Used Cars Online At Ruben Car Sales
Guaranteed Approval. Delivered To Your Door.
Buy online very cheap, get guaranteed approval, and have your car delivered to your door. Ruben Car Sales is a buy here pay here dealership that sells used cars, trucks, SUVs and hybrids nationwide at very affordable prices.
Why Buyers Trust Ruben Car Sales
No Credit Check
In-House Financing
All 50 States
Inspected Vehicles
15-Month Warranty
Guaranteed Approval
Buy Here Pay Here Cars Online - In-House Financing Anywhere in the U.S.
Ruben Car Sales is a true buy here pay here dealership, and our financing works just as well online as it does in person. We do not send you to a bank, we do not pull a credit score, and we do not turn people away. We finance the vehicle in house and you make your payments directly to us - which is exactly why buying buy here pay here cars online through Ruben Car Sales is simpler than applying for a traditional auto loan.
Everything is handled in house, so approval takes minutes instead of days. There is no lengthy bank application, no waiting on lenders, and no surprise decline after you have already picked out a car. You know where you stand before you commit, whether you are one mile from our lot or two thousand miles away.
Buy here pay here cars online are backed by the same terms we offer in person, and our in-house lending is set up to serve buyers in every state we deliver to. That means an out-of-state customer gets the same straight answer as a local one: if you have income and a down payment, we work with you.
How In-House Financing Works at Ruben Car Sales
- Pick your vehicle online. Browse our used car inventory and request an out-the-door price.
- Apply in minutes. Give us basic information about your income and your down payment. There is no credit check.
- Agree your down payment and payment plan. We build a weekly, bi-weekly or monthly payment that fits your budget.
- Sign and relax. We complete the paperwork with you remotely, and Ruben Car Shipments delivers the vehicle to your door.
- Pay us directly. Your payments go to Ruben Car Sales - not to a third-party bank - so servicing your account is simple.
No Credit Check Used Cars - Good Credit, Bad Credit or No Credit
Ruben Car Sales approves every customer who qualifies for a down payment and a payment plan. We work with first-time buyers, people rebuilding credit, self-employed drivers, gig workers and buyers who have been declined everywhere else - the people who need no credit check used cars the most. If you are not sure what you can afford, contact us and we will walk you through real numbers before you commit. You can start on our contact page or call (623) 920-8479.
No Credit Check - How Much Down Payment Do You Need to Get Approved?
One of the first questions buyers ask Ruben Car Sales is how much they need to put down. The honest answer is that it depends on the vehicle, your income and the payment plan we build together - and we will always tell you the number before you commit. Because we finance in house, we are not limited by a bank's credit-score cutoff. We look at your situation, not just a number, and structure a weekly, bi-weekly or monthly payment that matches what you can comfortably afford.
Guaranteed approval means guaranteed for buyers who meet our simple conditions: a reasonable down payment and steady income. If you are rebuilding credit, buying your first car, or you have been turned down elsewhere, Ruben Car Sales is built for you. Call (623) 920-8479 or start on our contact page and we will pre-qualify you in minutes - with no credit check and no impact on your credit score.
Our Partners & Supporters
No Credit Checks, Everyone is Approved with Nationwide Delivery.
Buy Used Cars Online at Ruben Car Sales - Guaranteed Approval, Delivered Nationwide
Buy online, get guaranteed approval, and have your car delivered to your door. That is the whole idea behind Ruben Car Sales. We are a buy here pay here dealership that lets you buy used cars online from anywhere in the United States, finance them in house with no credit check, and have them shipped straight to your driveway by our own transport arm, Ruben Car Shipments. No bank, no credit-score cutoff, no need to live near a lot.
- Online Appointment
- Auto Rent Services
Ruben Car Sales stocks inspected, affordable used cars, trucks, SUVs and hybrids, and we stand behind every one of them with a 15-month engine and transmission warranty. Whether you have good credit, bad credit or no credit at all, you can pick your vehicle online, get approved in minutes, and drive it – or have it delivered – without the runaround a traditional dealership puts you through.
German Alberto Suarez
Our Featured Cars
Popular Trucks, SUVs and Hybrids at Ruben Car Sales
Our buying is guided by demand: we stock the models American drivers search for most. Here is what moves fastest through our inventory and what we can source and deliver to out-of-state buyers.
Used Trucks
- Ford F-150, Chevrolet Silverado 1500, Ram 1500, GMC Sierra 1500
- Toyota Tacoma, Toyota Tundra, Ford Ranger, Chevrolet Colorado, Nissan Frontier
- Browse all used trucks for sale
Used SUVs and Crossovers
- Toyota RAV4, Honda CR-V, Mazda CX-5, Subaru Outback and Forester, Nissan Rogue, Chevrolet Equinox
- Kia Telluride, Hyundai Palisade, Toyota Highlander, Honda Pilot, Jeep Grand Cherokee, Chevrolet Tahoe
- Browse all used SUVs for sale
Used Hybrids and Fuel-Saving Cars
- Toyota Prius, Camry Hybrid, RAV4 Hybrid, Corolla Hybrid, Sienna Hybrid
- Honda Insight, Accord Hybrid, CR-V Hybrid, Hyundai Elantra Hybrid, Kia Niro
- Browse all used Hybrids for sale
Reliable Commuter Cars Under $15,000
- Toyota Corolla, Honda Civic, Toyota Camry, Honda Accord
- Nissan Sentra and Altima, Hyundai Elantra, Kia Forte, Volkswagen Jetta
- Browse all used Commuter cars under $15,000 for sale
Every Vehicle Is Inspected - Backed by a 15-Month Warranty
Cheap cars are only a good deal if they keep running. Every vehicle sold by Ruben Car Sales goes through a full inspection and servicing before it is listed, so the car you see online is the car you get. On top of that, qualifying vehicles are protected by a 15-month warranty covering the engine and transmission - the two repairs that ruin a used-car budget.
30-Day Money-Back Guarantee
If an undisclosed issue appears within 30 days and within the first 1,500 miles, Ruben Car Sales will make it right under our money-back guarantee. We would rather earn a repeat customer than argue over a repair. You can also check any vehicle yourself: use the NHTSA recall lookup and the NICB VIN check before you buy, and we will provide the VIN and history on request.
How Buying a Car Online From Ruben Car Sales Works
Three simple steps. No bank visit, no dealership runaround, no surprises.
1. Browse & Reserve
Pick your car from our online inventory and request a flat out-the-door price. Every listing shows real photos, mileage and price.
2. Get Approved in Minutes
Apply with no credit check. We build a weekly, bi-weekly or monthly payment around your budget and confirm your down payment up front.
3. Delivered to Your Driveway
We handle the title and paperwork, then Ruben Car Shipments delivers your vehicle to your door — in any of the 50 states.
Ready when you are: Browse inventory · Get pre-qualified or call (623) 920-8479.
Why Buy From Ruben Car Sales?
Contact Us At For Any Inquiries
(623) 920-8479
Reasons to buy from us
- Buy used cars online. Real listings, real prices, and a purchase you can complete from your couch.
- In-house buy here pay here financing. No banks, no credit checks, guaranteed approval for qualifying buyers.
- Nationwide delivery with Ruben Car Shipments. Our own transport arm ships to all 50 states for less than an outside broker.
- Transparent pricing. A flat $395 documentation fee with no mandatory add-ons.
- Inspected vehicles. Every car is serviced before it is listed.
- 15-month engine and transmission warranty plus a 30-day money-back guarantee on qualifying vehicles.
- Trade-ins welcome. Same-day valuation applied to your purchase.
- Real people. A family-run dealership reachable by phone at (623) 920-8479.
Read more about our story and our guarantees on the About Ruben Car Sales page.
Used Cars With Nationwide Delivery - Shipped by Ruben Car Shipments
Most of our customers no longer shop only in their own city. Ruben Car Sales delivers used cars across the United States every week, and we do it through our own transport arm, Ruben Car Shipments. Because we are not handing your car to an outside broker, we control the schedule, the cost and the condition of the vehicle from our lot to your driveway - and we can usually do it for far less than a typical national transport company charges.
This is what makes used cars with nationwide delivery from Ruben Car Sales different. You can buy the exact vehicle you want from us in Arizona and have it delivered to your home in Texas, Ohio, Florida, New York, Washington or any other state. Buying a car from another state is normally a paperwork headache; with Ruben Car Sales and Ruben Car Shipments it is not. We handle the title, the registration paperwork and the logistics, and we keep you updated from the moment you reserve the vehicle until it is handed over at your door.
How Nationwide Delivery Works
- Choose your vehicle from our online inventory and ask us for an out-the-door price.
- Complete your financing or payment with Ruben Car Sales over the phone or online.
- Ruben Car Shipments prepares the title, paperwork and transport, then gives you a delivery window.
- Your vehicle arrives at your address, ready to register and drive.
Ruben Car Sales vs. a Traditional Dealership
It helps to know exactly how buying from Ruben Car Sales differs from a franchise store or a big no-credit-check chain.
- Financing: we lend in house with no credit check, instead of running your application through a bank that may decline you.
- Approval: good credit, bad credit or no credit – we approve customers whom banks turn away.
- Buying online: you can buy used cars online and complete the entire purchase remotely, not just start an application.
- Delivery: we ship to all 50 states through our own arm, Ruben Car Shipments, for less than an outside broker.
- Price transparency: a flat $395 documentation fee, with no mandatory add-ons.
- Protection: a 15-month engine and transmission warranty plus a 30-day money-back guarantee on qualifying vehicles.
- Service: you deal with real people at a family-run dealership, not a call center.
For buyers who value straight answers and a second chance at credit, Ruben Car Sales is a simpler and more honest way to get on the road – wherever you live.
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Frequently Asked Questions About Buying From Ruben Car Sales
Can I buy used cars online from Ruben Car Sales?
Yes. You can browse our inventory online, request an out-the-door price, complete financing remotely, and have the vehicle delivered. You never need to visit the lot in person.
Do you offer buy here pay here cars online?
Yes. Ruben Car Sales is a buy here pay here dealership, and our in-house financing works just as well online as in person. There is no bank involved and no credit check, and you make your payments directly to us.
Is approval guaranteed, and is it really no credit check?
Approval is guaranteed for buyers who meet our simple conditions – a down payment and steady income – and there is no credit check. Ruben Car Sales approves customers with good credit, bad credit and no credit.
Do you offer used cars with nationwide delivery?
Yes. Ruben Car Sales delivers to all 50 states through our own transport arm, Ruben Car Shipments. Because we control the shipping ourselves, the cost is usually far lower than a standard transport broker, and we handle the title and paperwork.
How much does nationwide delivery cost?
Delivery cost depends on your distance from Phoenix. Ruben Car Shipments quotes a flat, affordable rate before you commit, so you always know your out-the-door total. Call (623) 920-8479 for a quote.
How long does it take to get my car delivered?
Once your financing is complete and the vehicle is prepared, Ruben Car Shipments gives you a delivery window before pickup. Timing varies by distance and route, and we keep you updated from dispatch to drop-off.
Do your cars come with a warranty?
Qualifying vehicles at Ruben Car Sales include a 15-month warranty covering the engine and transmission, plus a 30-day money-back guarantee if an undisclosed issue appears within the first 1,500 miles.
Do you sell trucks and SUVs?
Yes. Ruben Car Sales regularly stocks popular trucks such as the Ford F-150, Chevrolet Silverado and Toyota Tacoma, and SUVs such as the Toyota RAV4, Honda CR-V and Kia Telluride.
What paperwork do I need to buy a used car at Ruben Car Sales?
Bring a valid driver license, proof of income, proof of address and your down payment. For out-of-state purchases we complete the title and registration paperwork with you remotely.
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