Buy Here Pay Here
in Rhode Island
Life does not always go according to plan. Job changes, medical bills, divorce, it happens. What matters now is getting back on the road. Tell us where you are and we will find out what is possible.
50+ Years
Backgrounds Welcome
$3,500 – $15,000
Drivers Locally
Most people on this page are trying to solve a real problem.
You need a dependable vehicle. You need a payment you can actually manage. And you have probably already run into lenders who made the process feel impossible.
Main Street Motors has been working with Rhode Island drivers for over 50 years. We have seen just about every credit situation there is, and we approach each one the same way: honestly, and without judgment.
Our job is not to get you into any vehicle. It is to find whether there is a deal that makes sense for your situation long term - and to tell you clearly if there is not.
"Life rarely goes the way we planned. We work with people who are dealing with the fallout of a job change, a health crisis, or a divorce every single day. If you are wondering whether your situation is too complicated, the answer is no. Come talk to us."
- Main Street Motors, Scituate, RIWhat to Expect - Step by Step
There are no surprises and no pressure. Here is exactly how the process works from first contact to keys in hand.
Share your income, down payment, and what you are looking for. The application takes a few minutes online, or you can call us directly.
Approval is not based on a single number. We look at your income, stability, down payment, and vehicle preference together.
If there is a realistic path forward, we walk you through the options clearly. If something does not make sense, we will say so upfront.
If we move forward, you leave with a dependable vehicle and a payment structure built around your actual situation - not stretched to its limit.
What We Actually Look At
Approval is not decided by a score alone. These are the factors that carry the most weight in our review.
Most approvals involve income above $2,000 per month. We use this to determine a realistic payment range that you can sustain.
Most customers bring $500 to $4,500 down. A stronger down payment opens up more options and usually reduces your monthly obligation.
Job tenure and residential history matter. Consistent recent stability can make a meaningful difference in what we can offer.
Being open to different makes, models, or price points often unlocks a path that a narrower search would not. We will help you find the right fit.
See what options may be available for your situation.
The application takes just a few minutes. No pressure, no obligation - just honest answers.
Common Situations We See Every Day
- Low or limited credit history
- Past missed payments or charge-offs
- Previous repossession
- Bankruptcy (open or discharged)
- Divorce or recent financial hardship
- Difficulty getting approved elsewhere
- First-time buyers with no established credit
Most dealerships want to close a deal. We want to close the right deal.
There is a meaningful difference between those two things, and it shows up in how we work. We are not looking at your application and asking how we can make the numbers fit. We are asking whether they actually do. Your income, your down payment, the vehicle you need, and the payment you can sustain all have to line up into something that makes sense for your life, not just for a contract.
If they do, we will make it happen and walk you through every step. If they do not, we will sit down with you, explain exactly why, and tell you what would need to change for a deal to work in the future. No runaround, no vague answers, no wasted time.
That standard has not changed in over 50 years. It is the reason Rhode Island drivers keep coming back, and the reason we are still here.
Find out where you stand. The application takes a few minutes and there is no obligation. Start yours today.
Frequently Asked Questions
Straight answers to the questions we hear most often from Rhode Island drivers considering buy here pay here financing.
See What Options May Be Available for Your Situation
The application takes a few minutes. We review your information and reach out to discuss what may be possible - clearly, and without pressure.