Ruben Car Sales is a true buy here pay here dealership, which means we finance the vehicle ourselves instead of sending you to a bank. There is no credit check, no credit-score cutoff and no third-party lender deciding your future. Approval is guaranteed for buyers who meet our simple conditions: a reasonable down payment and steady income. We work with first-time buyers, people rebuilding credit, self-employed drivers and anyone who has been declined elsewhere, and you make your payments directly to us. Our in-house lending works across state lines and is fully compliant, so out-of-state buyers get the same straight answer as local customers. Combine buy here pay here financing with nationwide delivery through Ruben Car Shipments and you can buy a car online and have it delivered to your door. Apply today.