Name: Main Street Motors
Address: 228 Main Street, Scituate, RI, 02857, US
Telephone: 401-316-1998
Price range: $$

IN-HOUSE AUTO FINANCING IN RHODE ISLAND

Main Street Motors has been helping Rhode Island drivers get behind the wheel for over 50 years. We specialize in working with customers who have been turned away by traditional lenders. Our in-house financing program through our lending partner is designed specifically for challenged credit situations.

BAD CREDIT WELCOME

Bankruptcy, repossession, divorce, and low credit scores are situations we work with every day. We don’t judge. We find options.

SERVING ALL OF RHODE ISLAND

Customers come to us from Providence, Cranston, Warwick, Johnston, North Providence, Coventry, and across Rhode Island for our in-house financing program.

SIMPLE PROCESS

Pick a vehicle, submit your application, and we work with our lending partner to find options that may fit your situation. No obligation until you agree to terms.

LOOKING FOR IN-HOUSE FINANCING NEAR YOU?

We serve customers across Rhode Island. Come see us in Scituate or apply online from anywhere.

APPLY ONLINE TEXT US

IN-HOUSE FINANCING — COMMON QUESTIONS

Everything you want to know about our program

Buy here pay here (BHPH) traditionally refers to dealerships that arrange financing directly for customers and collect payments in-house. At Main Street Motors, we offer an in-house financing program through Credit Acceptance Corporation (CAC), a third-party specialty lender. This means we can work with customers who have been turned away by banks and traditional lenders — the experience is similar to a BHPH dealership, but financing is arranged through CAC and payments are made directly to them, not to us.

Yes — our program is specifically designed for customers with challenged credit histories. Whether you have experienced bankruptcy, repossession, divorce, or simply have a low credit score, we encourage you to apply. Submitting an application does not guarantee approval. All financing is subject to Credit Acceptance Corporation's credit criteria and program eligibility.

At a traditional buy here pay here dealership, the dealer holds the loan and you make payments directly to the dealer. At Main Street Motors, financing is arranged through Credit Acceptance Corporation, a licensed third-party lender. This means your loan is held by CAC and all payments go directly to them. We act as the point of contact for finding your vehicle and facilitating the application — CAC handles the lending.

Absolutely. We serve customers from across Rhode Island including Providence, Cranston, Warwick, Johnston, North Providence, Coventry, West Warwick, and beyond. Many customers travel to our Scituate location specifically because of our in-house financing program. You can also start your application online from anywhere.

Generally useful to bring: a valid driver's license, proof of income, proof of Rhode Island residence, and current auto insurance. Specific requirements may vary depending on the vehicle selected and the terms offered by Credit Acceptance Corporation. Our team will walk you through everything when you apply.

No. Our lending partner, Credit Acceptance Corporation, does review credit as part of the approval process. What makes our program different is that CAC specializes in working with customers who have non-traditional or challenged credit histories — situations that mainstream lenders often decline. Applying does not guarantee approval.

HOW WE WORK WITH YOU

At Main Street Motors, we understand that financial circumstances vary. That is why we work with multiple lending partners to explore financing options on your behalf - rather than relying on a single institution to make the decision.

Whether you have excellent credit or have faced challenges in the past, we welcome your application. Our team will present you with any options that become available, and you are never under any obligation to proceed.

Bankruptcy, repossession, and divorce are situations we see regularly. We do not judge. We simply work to find out what options, if any, may be available to you.

✓ We work with a network of lending partners
✓ All credit applications welcomed
✓ Bankruptcy, repossession, divorce - apply and we will see what is available
✓ No obligation - review any offers before committing
✓ Rhode Island based - serving our community

TEXT 401-316-1998

READY TO APPLY?

Complete the application below or scan the QR code from your phone.

SCAN TO APPLY

startyourcreditapproval.com

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COMPLETE YOUR APPLICATION ONLINE

The application is hosted securely by our lending partner at startyourcreditapproval.com. It takes just a few minutes to complete. Our team will follow up with any options that become available — no obligation until you agree to terms.

APPLY NOW → TEXT US INSTEAD

SCAN TO APPLY FROM YOUR PHONE

Opens securely at startyourcreditapproval.com

✓ All credit backgrounds welcome

✓ No obligation to proceed

✓ Takes just a few minutes

WHAT OUR CUSTOMERS SAY

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

Aristotle Anderson February 2026

★★★★★

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

Icarus March 2026

★★★★★

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

Jeb Barnes November 2025

★★★★★

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

Gail Deroy June 2025

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FINANCING FAQ

Common Questions

You select a vehicle, submit a credit application, and our team works with a network of lending partners to identify financing options that may be available to you. If an option is extended and you agree to the terms, you sign your paperwork and take delivery of your vehicle.

We welcome applications from people with a range of credit backgrounds, including those who have experienced bankruptcy, repossession, divorce, or other financial challenges. Submitting an application does not guarantee approval. All financing is subject to lender review and standard credit criteria.

Down payment requirements vary depending on the vehicle and the terms offered by the lender. Our team can discuss what may be applicable to your specific situation when you apply. Generally speaking, a larger down payment may reduce your monthly payment amount, as it lowers the total amount financed.

Yes. If you have arranged financing through your own bank or credit union, you are welcome to bring that approval. We are happy to work with outside financing.

Prepayment terms are determined by your lender and will be outlined in your financing agreement. We encourage you to review those terms carefully before signing.

Generally useful to bring: a valid driver's license, proof of income, proof of residence, and current auto insurance. Specific requirements may vary depending on the lender and vehicle selected.

Yes. Rhode Island law requires all registered vehicles to carry minimum liability insurance. You will need to show proof of insurance before taking delivery of any vehicle.

Advertised prices exclude Rhode Island sales tax, registration and DMV fees, and title preparation fees where applicable. A documentary preparation fee may be charged on transactions over $10,000 and may be included in the amount financed.
Any estimated monthly payment is for illustrative purposes only and does not constitute an offer of credit. Actual payment will vary based on the amount financed, APR, term, down payment, and lender approval.
Actual financing terms, including APR, monthly payment, and approval, vary based on creditworthiness, lender review, vehicle selection, and other factors. Submitting an application does not guarantee approval.
Vehicle availability is subject to prior sale. Please contact the dealer to confirm availability before visiting.
While we strive to ensure accuracy, errors in pricing, payment calculations, or vehicle details may occur. We are not responsible for typographical, calculation, or data-entry errors.
Some vehicles may be sold as-is. Warranty options may be available at additional cost. See dealer for details.
This page is for informational purposes only and does not constitute a binding offer. All transactions are subject to final dealer and lender approval.
Specialty financing is arranged through Credit Acceptance Corporation (CAC), a third-party lender. Approval is subject to CAC’s credit criteria and program eligibility. A vehicle’s qualification for the program is not a guarantee of individual credit approval. Payments are made directly to the lender, not the dealer.

CALL 401-316-1998 TEXT US View full disclosures →

AUTO FINANCING

IN-HOUSE AUTO FINANCING IN RHODE ISLAND

IN-HOUSE FINANCING — COMMON QUESTIONS

BUY HERE PAY HERE: CITIES WE SERVE

HOW WE WORK WITH YOU

READY TO APPLY?

COMPLETE YOUR APPLICATION ONLINE

WHAT OUR CUSTOMERS SAY

FINANCING FAQ

READY TO APPLY?