Fort Lauderdale Auto Sales offers direct in-house auto financing — no banks, no third-party lenders, no credit check required. Weekly or bi-weekly payment schedules available. Payments accepted by cash in-person at 3575 NW 31st Ave, Oakland Park, FL 33309, or via ACH bank draft. Loan terms typically range 12 to 36 months. APR varies by vehicle, down payment, and term; BHPH industry typical range is 18%–29.99%. No prepayment penalty. Refinancing permitted at any time. ITIN accepted in place of Social Security number. No co-signer required. Title transfers to buyer upon full payoff. Call (954) 793-1761. Hablamos Español.
In-House Auto Financing — No Banks, No Credit Check
Fort Lauderdale Auto Sales is the bank. We set your rate, your payment schedule, and your terms — then collect payments directly. No third-party lenders. No approval waiting. Weekly or bi-weekly payments by cash or ACH.
Every car inspected, every car warranted.
Tell Omari what you want and he'll find it.
We buy at dealer-only auctions every week. Say the make, model or budget and we'll go look for it.
No credit check, no obligation. Omari texts you directly.
Why we do not advertise $0 down cars.
Zero-down car lots usually move the cost into higher payments, longer terms, or hidden fees. FLAS keeps the deal simpler: a real down payment, no credit check, clear weekly or bi-weekly payments, and a 90-day warranty on the vehicle you drive home.
Most approvals start at $1,000 down. Qualifying buyers may have $500 down options, and trade-in equity can reduce the cash you need at signing. If you are searching for local dealer financing, visit our primary buy here pay here Fort Lauderdale page for same-day approvals with no bank credit check.
Already approved by your own bank or credit union? Bring it. FLAS accepts outside financingand sends the buyer’s order and title work straight to your lender — you keep the terms you already negotiated.
Already have good credit? That is a different conversation. FLAS also works with traditional lenders for qualified buyers — see good-credit auto financing, where the rate and terms come from a lender review rather than an in-house contract.
How our financing works.
Four steps from application to keys in hand. We handle the financing — no middlemen, no waiting on a bank to call back.
Walk in or call (954) 793-1761. Bring your ID, proof of income and proof of residence. No online credit application required — we review your current situation, not your credit history.
Approval is based on income and down payment — not credit score. We review your application on the spot. Most customers know if they're approved the same day they come in.
Pick weekly or bi-weekly payments. Choose ACH auto-draft or in-person cash. Your rate, term, and payment amount are disclosed in full before you sign anything.
Bring proof of active Florida insurance for the car you chose, sign the paperwork, and drive off the lot the same day. Your 90-day warranty is active from the moment you leave. Make payments on schedule and the title is yours at payoff — no bank, no waiting.
What to expect.
Every loan is disclosed in full before signing. Typical ranges for FLAS in-house loans:
ITIN Financing available.
Don't have a Social Security number? FLAS accepts ITINs (Individual Taxpayer Identification Numbers) as a valid form of identification for financing. The process is the same — income, down payment, choose your schedule, drive home.
We serve Fort Lauderdale's immigrant community and have helped hundreds of customers get behind the wheel without a SSN. Buyers come to us from all over the state for ITIN car financing in Florida. Hablamos Español.
No co-signer required.
In-house financing is approved on your own income and down payment — not on a third party's credit history. You qualify alone. If you want to bring a co-signer, we accept them — but you will never be told you need one to get financed at FLAS.
13 Years of Honest Business. Every Car. Every Customer.
Fort Lauderdale Auto Sales isn't a franchise and it isn't a flip lot. It's a family business built on one principle: treat people the way you'd want to be treated when buying a car.
Straight from our repair shop: how we inspect and support every car we sell.
Financing FAQ
Get financed today.
No banks, no waiting. Mon–Fri 9am–6pm, Sat 10am–6:30pm. Hablamos Español.