Main Street Motors offers specialty auto financing for West Warwick residents with challenged credit. Bankruptcy, repossession, and divorce are all welcome. Submit your application to see what options may be available to you. Route 14 East puts our Scituate lot about 20 minutes from West Warwick.
West Warwick has a working history rooted in the old mill industry, and most residents today are still driving to jobs in Warwick, Cranston, or Providence every day. Route 2 and Route 3 run through town, but there's no meaningful transit option for most neighborhoods. If you've been turned down for a car loan because of a bankruptcy, a repossession, or a credit score that doesn't meet a bank's minimum, you're not just dealing with a financial setback. In a town that requires you to drive, it touches everything.
Buy here pay here financing works differently than a standard bank loan. Instead of an outside lender making a fast call based on your credit score, Main Street Motors works with specialty lending partners who are set up for buyers in exactly this situation. These programs aren't for people who already have good credit and multiple offers on the table. They're built for people who've been through something hard and need a realistic way to get back into a reliable vehicle.
If you're a West Warwick resident who has been turned away by a bank, a credit union, or another dealer, we'd like to hear from you. We'll go through your application and give you a straight answer about what we can do. If there's a way to get you into a vehicle, we'll find it. If there isn't, we'll tell you that plainly. No runaround.
Call us, text us, or apply online from West Warwick. There's no cost to apply and no obligation if the terms don't work for you. The worst outcome is you walk away with a clear answer, and that's more than most dealers will offer.
We've worked with West Warwick buyers who have:
Point your phone camera at the QR code. No app needed. Takes about 2 minutes to complete. There is no cost to apply and no obligation if the terms don’t work for you.
FAST • EASY • SECURE
startyourcreditapproval.com
We have been serving Rhode Island drivers for over 50 years. Here is what sets us apart for buyers with credit challenges.
We do not turn people away based on a credit score alone. Whether you have filed for bankruptcy, had a vehicle repossessed, gone through a divorce, or simply never had the chance to build credit, we welcome your application and will work to find options that may be available to you. Our specialty lending partner reviews your full financial picture, not just a number.
Main Street Motors works with a network of lending partners, including Credit Acceptance Corporation. Having access to multiple channels means we are not limited to a single approval path. When one door is closed, we look for others. This gives West Warwick applicants a broader range of possibilities than going directly to a single bank or credit union.
Main Street Motors has been rooted in the Scituate community for over 50 years. We are not a large chain dealership with quotas and pressure tactics. We are a family business that has earned its reputation the old-fashioned way: treating customers fairly and working honestly with every person who walks through our door, regardless of their credit history.
We will tell you straight what we can and cannot do. If financing options are available through our lending partners, we will present them clearly and let you decide. If we cannot help you today, we will tell you that too and explain why. West Warwick buyers deserve honesty, and that is what you will get when you work with our team.
Our specialty financing program is built for buyers who have faced financial challenges. Here is a breakdown of the situations we commonly see from West Warwick applicants.
Both discharged and active bankruptcy cases are considered. Filing for bankruptcy does not automatically disqualify you from specialty financing. Whether your case was recently filed or discharged years ago, we encourage you to apply. Credit Acceptance Corporation will review your current situation as part of the application process.
A prior repossession on your credit report is one of the most common barriers to traditional auto financing. Specialty programs exist specifically for this situation. If your last vehicle was repossessed, whether recently or in the past, we welcome your application and will submit it for review through our lending partners.
Divorce often leaves one or both parties with damaged credit, joint accounts in dispute, or a limited independent credit history. These are situations we work with regularly. Our team will work with your current financial picture to see what options may be available.
If your credit score has fallen due to late payments, collections, charge-offs, or other negative history, traditional lenders may have turned you away. Specialty financing programs use different criteria. Your application will be reviewed in full, not judged by a score alone.
First-time buyers and those who have avoided credit altogether may struggle to qualify through conventional channels. With no credit score to evaluate, banks often decline. Specialty financing programs may offer a path forward for West Warwick residents who are just starting to build their credit file.
If another dealership, bank, or credit union has already turned you down, that does not mean the answer everywhere is no. Each application is reviewed on its own merits. We submit your information directly to our lending partners and let the process work. There is no cost to apply, and no obligation if you do not like the terms offered.
From application to keys in hand
Start by viewing our current inventory of pre-owned vehicles online. You can also call or text us from West Warwick to ask what is available before making the drive to our Scituate lot. If you have something specific in mind, like a certain size, type, or price range, let us know and we will do our best to find a vehicle that fits.
VIEW INVENTORYApply online from West Warwick in just a few minutes, or come into our Scituate location and complete the application in person with our team. We submit your information to our lending partners and work to identify financing options that may be available to you.
APPLY NOWIf financing options are extended to you, we will walk through the terms with you clearly: monthly payment, loan term, and what you can expect going forward. There is no obligation to accept. If you agree to the terms and the deal is finalized, we handle the paperwork and get you on the road.
TEXT US A QUESTIONTake Route 14 East from West Warwick through Coventry and into Scituate. Main Street Motors is at 228 Main Street on your left, just past the Scituate town line. The drive from West Warwick Center runs about 20 minutes with normal traffic.
GET DIRECTIONS →We understand that visiting a car dealership can feel stressful, especially if you have had difficult experiences elsewhere or are uncertain about your credit situation. Here is an honest walkthrough of what to expect when you come to Main Street Motors from West Warwick.
Our lot is a low-pressure environment. You are welcome to look at vehicles on your own before speaking with anyone. When you are ready, a team member will be available to answer questions and walk you through the process.
If you have not already applied online, you can complete the credit application at our location. It covers standard information: your identity, income, residence, and employment. If you applied online ahead of your visit, we will already have your information in the system.
A valid Rhode Island driver's license, recent proof of income (pay stubs, bank statements, or tax documents), proof of current residence (a utility bill or lease agreement), and your current auto insurance card. Specific requirements may vary based on lender criteria and vehicle selection. Hourly and shift workers are common here. Your last 3 pay stubs or a recent bank statement work fine.
Once your application is submitted, our team works to get a response from our lending partners. This process can vary in timing. We will communicate with you throughout and let you know as soon as we have information to share.
If a financing option is extended, we will walk through the terms clearly before you sign anything. You are under no obligation to accept. If the terms work for you, we finalize the paperwork and you drive home.
Not every application results in an approval, and we will tell you that honestly if it happens. We will explain what we know and may be able to suggest steps that could improve your situation for a future application.
Understanding the difference helps West Warwick buyers make an informed decision about which path makes sense for their situation.
Browse our current inventory of pre-owned vehicles. Submit your application and our team will work to match you with a vehicle and financing option that fits your situation.
An $8,500 vehicle with $1,000 down, financed at 14.9% APR over 48 months, works out to approximately $208/month or $48/week. No cost to apply and no obligation if the terms do not work for you.
Example only. Not an offer of credit. Actual payment varies based on vehicle price, down payment, APR, and loan term, all of which are subject to lender approval.
Main Street Motors is a family-owned and operated used car dealership located at 228 Main Street in Scituate, Rhode Island. We have been serving the Rhode Island community for over 50 years, and our commitment to working with buyers of all credit backgrounds has been part of our approach since the beginning.
We are not a large chain with high-pressure sales tactics and quotas. We are a small, local business that cares about the people who walk through our door, including buyers from West Warwick who have been turned away elsewhere and need someone willing to take the time to work with them.
Our team will tell you honestly what we can and cannot do, and we will work hard to find solutions for the people who need us most.
We are a short drive from West Warwick. You are welcome to call ahead, apply online, or walk in during business hours.
| Monday | 9:00 AM – 5:00 PM |
| Tuesday | 9:00 AM – 5:00 PM |
| Wednesday | 9:00 AM – 5:00 PM |
| Thursday | 9:00 AM – 5:00 PM |
| Friday | 9:00 AM – 5:00 PM |
| Saturday | 9:00 AM – 5:00 PM |
| Sunday | Closed |
Main Street Motors
228 Main Street
Scituate, Rhode Island 02857
Call or Text: 401-316-1998
Phone: 401-828-4545
We have served Rhode Island drivers for over 50 years. If you have worked with us, we would appreciate hearing from you. Your review helps other West Warwick residents who are in the same situation you were in.
You can start your application online right now from West Warwick. No visit required to get the process started. Our Scituate location is also open Monday through Saturday, 9AM to 5PM, and we welcome walk-ins.
Real reviews from real customers in Rhode Island
Brian at Main Street Motors is amazing! Genuine and authentic saleman! I bought a Ford Fusion with close to perfect used condition — new tires, battery, struts and brakes, just from eyeing and driving it! My advice …Read more
This place was a pleasure to deal with. As long as you know what to expect and what their specialty is going in, you’ll be greeted with the best customer service one could ask for. Shane was a pleasure to deal with, was …Read more
We just bought a 2011 Nissan Titan from Main Street Motors in Hope, RI, and honestly, we’re still in shock (in a good way). These legends came in on a Sunday just to help us out. Who does that? Saints, apparently. The …Read more
I experienced an urgent problem with a tire in the vicinity of Main Street Motors, 228 Main Street, Fiskeville, RI, (about a mile past Bills Place, West Warwick), So I pulled in and asked for help. Brian stopped wha …Read more
Honest answers about buy here pay here financing in Rhode Island
Main Street Motors provides specialty auto financing for buyers throughout Rhode Island. Browse other communities we serve.