At Prestige Auto Mart, we understand that life happens. Bad credit, no credit, repossessions, collections, or even bankruptcy don’t automatically prevent you from getting approved for a vehicle. For over 20 years, we’ve helped customers across Southern New England secure financing and get back on the road. We work with over 35 local and national lenders and also offer Buy Here Pay Here financing options through our own lending programs. Whether you’re rebuilding your credit or buying your first vehicle, our goal is simple: help you find the right vehicle with financing that fits your situation.
Yes. Prestige Auto Mart specializes in helping customers with bad credit, low credit, no credit, repossessions, and previous bankruptcies get approved for financing. We work with over 35 local and national lenders and also offer Buy Here Pay Here financing options for customers who may have been turned down elsewhere.
Yes. Everyone who visits Prestige Auto Mart is approved for financing in some form. The primary variables are usually the vehicle selected, the initial investment required if there is one, and the financing term available.
Yes. Many first-time buyers and customers with limited credit history are approved every month at Prestige Auto Mart. We have financing programs designed specifically for customers who are just starting to build credit.
Yes. Previous repossessions do not automatically disqualify you from financing at Prestige Auto Mart. We help customers with repossessions, late payments, collections, and other credit challenges every day.
Yes. We regularly help customers who are currently in bankruptcy or have previously filed bankruptcy. Financing options vary based on your situation, but many customers qualify sooner than they expect.
There is no minimum credit score required to apply for financing at Prestige Auto Mart. We work with customers across a wide range of credit situations, including customers with very low scores or no score at all.
Shopping for an auto loan usually has little long-term impact on your credit score when done within a short period of time. Credit bureaus generally treat multiple auto loan inquiries within a short shopping window as a single inquiry for scoring purposes.
Yes. Starting a new job does not automatically disqualify you from financing. Income, residence history, and overall stability are typically more important than how long you’ve been at your current employer.
Yes. Most lenders require proof of income as part of the financing process. Common examples include paystubs, bank statements, 1099 forms, or proof of direct deposits.
In many cases, yes. Many lenders accept fixed income sources including disability, retirement, Social Security, pensions, and other verifiable income streams.
Buy Here Pay Here financing allows customers to finance a vehicle through dealership-based lending programs instead of relying only on traditional banks. This can make financing more accessible for customers with challenged credit or limited credit history.
Yes. Prestige Auto Mart offers Buy Here Pay Here financing along with traditional financing through over 35 local and national lenders.
Every vehicle on our lot qualifies for the Buy Here Pay Here program. The primary variables are usually the vehicle selected, the down payment required if there is one, and the financing term available.
Some customers may be required to put money down, while many qualify for low down payment or even $0 down programs. Down payment requirements vary depending on the vehicle selected, income, residence history, and financing program.
Yes. Prestige Auto Mart offers $0 down financing programs for qualified customers. Approval requirements vary depending on the lender, vehicle selected, and overall application profile.
Most customers will need proof of income and proof of residence. Examples include paystubs, bank statements, utility bills, or similar documentation.
Yes. Prestige Auto Mart reports to major credit bureaus, which may help customers rebuild or strengthen their credit history through successful payment history.
No. While Buy Here Pay Here is popular with customers rebuilding credit, Prestige Auto Mart also offers traditional financing programs for customers across many credit tiers.
Yes. Trade-ins are accepted in many situations, including vehicles that still have an existing loan balance.
Prestige Auto Mart accepts trade-ins on a wide variety of vehicles, including financed vehicles, high-mileage vehicles, and older cars. Our appraisal team evaluates each vehicle based on market conditions, condition, mileage, and demand to provide competitive offers.
Yes. Customers can trade in vehicles that still have an existing loan balance. If there is remaining negative equity, it may be possible to factor that balance into the next loan depending on lender approval.
Many customers are in a negative equity situation, meaning they owe more than the vehicle’s current value. Depending on the vehicle selected and lender approval, part or all of that balance may be factored into the next loan.
In many cases, yes. We regularly appraise vehicles for customers who simply want to sell their vehicle outright.
Trade-in values are based on factors like mileage, condition, market demand, equipment, accident history, and current auction values.
Yes. We accept many high-mileage vehicles, older vehicles, and vehicles with cosmetic or mechanical issues.
In many cases, yes. Non-running vehicles may still have trade value depending on condition, age, and market demand.
With hundreds of vehicles in stock, Prestige Auto Mart offers one of the largest selections of used cars, trucks, SUVs, and commercial vehicles in Southern New England. Our inventory changes daily, and our team works to keep pricing competitive and transparent.
Yes. All of our pricing is negotiable, and if we can make a deal work, we will. Our goal is to help customers find the right vehicle at a payment that works for their budget.
Yes. Our inventory is priced to market based on vehicle history, condition, equipment, and current market data. Many vehicles are priced at or below book value.
Yes. All of our pre-owned vehicles go through a 30-point inspection process before being offered for sale.
Vehicle availability changes quickly because we sell hundreds of vehicles every month. Customers are encouraged to contact the dealership directly to confirm current availability.
In many cases, yes. Contact our team directly to discuss vehicle availability and available deposit or reservation options.
Many vehicles include remaining factory warranty coverage, and extended service contracts are available on most vehicles through our finance department.
The Prestige Advantage Program includes one year or 12,000 miles of no-cost maintenance with qualifying vehicle purchases. See dealer for full details and coverage information.
Buying your first vehicle can feel overwhelming, especially if you’ve never financed a car before. At Prestige Auto Mart, we help first-time buyers every day and work to make the process fast, simple, and stress-free.
Yes. Prestige Auto Mart works with many first-time buyers every month. Even customers with little or no established credit history may qualify for financing options.
Not always. Some first-time buyers qualify without a co-signer depending on income, residence history, and the vehicle selected.
Most customers find out what they qualify for during a short appointment that typically takes around 30 minutes.
Most customers should bring a driver’s license, proof of income, and proof of residence. Additional documentation may sometimes be requested depending on the lender.
Appointments help ensure the vehicle is available and ready for your visit. It also allows the team to prepare financing options ahead of time so the process is faster and easier.
You don’t need to buy a vehicle from Prestige Auto Mart to sell us your current one. We regularly purchase cars, trucks, SUVs, and commercial vehicles from customers across Massachusetts and Rhode Island, even if they don’t purchase another vehicle from us.
Our appraisal process is fast, straightforward, and free, and many customers receive an offer in less than 20 minutes.
Yes. Prestige Auto Mart regularly purchases vehicles from customers who are not buying another vehicle from us. We buy cars, trucks, SUVs, vans, and many commercial vehicles.
Our appraisal team evaluates your vehicle based on mileage, condition, vehicle history, market demand, and current market values. In many cases, customers receive an appraisal in less than 20 minutes.
Appointments are recommended because they allow our appraisal team to be ready when you arrive and help speed up the process.
Most customers should bring the vehicle title if available, registration, payoff information if the vehicle is financed, and a valid driver’s license.
Yes. We regularly purchase vehicles that still have an active loan balance. Our team can help coordinate payoff information with your lender.
Yes. We purchase many older vehicles and high-mileage vehicles depending on condition and market demand.
In some cases, yes. Non-running vehicles may still have value depending on condition, age, and overall demand.
Timing can vary depending on title status and loan payoff situations, but many vehicle purchases can be completed the same day.
Yes. Vehicle appraisals at Prestige Auto Mart are completely free and come with no obligation to sell your vehicle.
