Business Details
50+ Years
experience
Trusted Buy Here Pay Here Dealership in Lake Wales, FL
Ray's Motor Sales has been family-owned and operated since 1964, serving Polk County and surrounding areas as Florida's premier Buy Here Pay Here dealership. Our commitment to ethical business practices and community involvement has earned us a 5-star reputation. We specialize in providing accessible vehicle financing solutions for customers with diverse credit histories. Our team prioritizes customer satisfaction through transparent transactions and personalized service. Every vehicle undergoes rigorous inspection and comes with a 3-month/3,000-mile warranty. We maintain affiliations with major automotive associations to ensure industry-standard excellence.Our financing process considers multiple factors beyond credit scores, including employment stability and income verification. Located in downtown Lake Wales, we serve customers from Winter Haven, Lakeland, Bartow, and beyond. Our inventory features late-model vehicles from leading manufacturers like Toyota, Honda, and Hyundai. We support local initiatives including Lake Wales Little League and high school athletics programs. Our CARFAX Advantage Dealer status ensures complete vehicle history transparency.
Services
Buy Here Pay Here Financing
Used Car Sales
Vehicle Warranty
Credit Check Financing
Community Involvement
Details
- Year established: 1964
Highlights and features
- Family-owned since 1964 with deep community roots
- In-house financing without traditional credit checks
- 3-month/3,000-mile warranty on all vehicles
- Comprehensive CARFAX vehicle history reports
- Community involvement through local sponsorships
Associations and certifications
- Florida Independent Automobile Dealers Association
- National Independent Automobile Dealers Association
- CARFAX Advantage Dealer
What people say
Excellent experience
Patient and caring
Smooth process
Best service around
Stress-free purchase
Services
Buy Here Pay Here Financing
Our Buy Here Pay Here financing program helps customers with diverse credit histories secure vehicle loans. We consider employment stability, income verification, and residency duration rather than traditional credit scores. The process typically completes within an hour, with approvals available via text message communication.
Used Car Sales
We offer a wide selection of late-model used vehicles from trusted manufacturers like Toyota, Honda, and Hyundai. Our inventory includes cars, trucks, and SUVs with transparent pricing and no hidden fees. Each vehicle undergoes thorough inspection before sale to ensure reliability and safety.
Vehicle Warranty
Every purchase includes a 3-month/3,000-mile limited warranty covering major mechanical components. The warranty covers engine, transmission, drive axle, cooling system, and air conditioning components. Warranty work must be performed at our facility by qualified technicians.
Credit Check Financing
Our financing approach focuses on personal circumstances rather than credit scores. We verify income through paystubs, bank statements, or government benefit letters. This program particularly benefits customers with limited credit history or past financial challenges.
Community Involvement
We actively support local community initiatives including Lake Wales Little League and high school athletics programs. Our business practices emphasize ethical standards through membership in major automotive associations. We participate in local events to strengthen community relationships.
People
Rick McGill
President
Rick McGill leads Ray's Motor Sales with decades of automotive industry experience. He maintains the dealership's commitment to family values and community service while overseeing strategic operations.
Matt McGill
VP
As Vice President, Matt McGill manages day-to-day operations and customer relations. He plays key role in developing financing programs that help diverse customers achieve vehicle ownership.
Susie McGill
Title Clerk
Susie McGill handles vehicle documentation and title processing with attention to detail. Her role ensures smooth transactions and regulatory compliance for every customer purchase.
Chuck Leech
Customer Service
Chuck Leech provides personalized assistance to customers throughout their vehicle purchasing journey. He ensures clear communication and addresses customer needs promptly.
Questions
What is Buy Here Pay Here financing?
Our Buy Here Pay Here program provides in-house financing where you make payments directly to Ray's Motor Sales rather than a third-party lender.
Do you check credit scores for financing?
We consider multiple factors beyond credit scores including employment history, income verification, and residency duration when evaluating financing applications.
What warranty coverage do vehicles include?
Every purchase comes with a 3-month/3,000-mile limited warranty covering major mechanical components like engine, transmission, and drive axle systems.
How quickly can I complete a purchase?
Most transactions complete within an hour, including financing approval and vehicle paperwork processing.
What areas do you serve?
We serve Polk County and surrounding areas including Winter Haven, Lakeland, Bartow, and Kissimmee.
Can I apply for financing online?
Yes, our online application takes less than two minutes to complete with no impact on your credit score.
