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 Financing
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.
Four steps from application to keys in hand. We handle the financing — no middlemen, no waiting on a bank to call back.
01
Apply
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.
02
Get Approved
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.
03
Choose Your Schedule
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.
04
Drive Home
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.
Payment Details
How Payments Work
Payment Frequency
Choose weekly or bi-weekly at the time of signing. Most customers align payments with their paycheck cycle. Your schedule is locked into the contract — stable and predictable for the life of the loan.
Payment Methods
Cash in-person at our Oakland Park location, or ACH bank draft pulled automatically on your due date. ACH eliminates the trip and keeps your account current without any effort on your end.
At Payoff — You Own the Title
Once your final payment clears, FLAS releases the lien and transfers the Florida title to you. Full ownership, no bank processing delays. Pay early any time — no prepayment penalty.
Late Payment Policy
Life happens. If you know you're going to be late, call us before your due date at (954) 793-1761. We work with customers who communicate. Unreturned missed payments can trigger default procedures per your contract, so always reach out first.
Loan Terms
What to Expect
Every loan is disclosed in full before signing. Typical ranges for FLAS in-house loans:
APR Range
18% – 29.99%
Typical BHPH industry range. Your exact rate is determined by vehicle price, down payment, and loan term. Disclosed in full before signing.
Loan Term
12 – 36 Months
Shorter terms mean higher per-payment amounts but less total interest. Agreed at signing and fixed for the life of the loan unless modified in writing.
Down Payment
Starting at $1,000
Down payment starts at $1,000. Trade-in equity can be applied. Higher down payments reduce your financed amount and lower your periodic payment.
Prepayment
No Penalty
Pay off your loan at any time without penalty. Extra payments reduce principal directly, saving you interest over the remaining term.
No SSN Required
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. Hablamos Español.
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.
Without a Co-Signer
Approved on Your Own
Your income and down payment determine approval. Credit score and credit history are not factors. First-time buyers, fresh starts, and no-credit customers are all welcome.
With a Co-Signer
Accepted if You Choose
If you bring a co-signer, they share contractual responsibility for the loan. This is your choice — never a requirement. Both parties sign the contract and are bound to its terms.
Common Questions
Financing FAQ
Questions about APR, payment terms, payoff, and everything in between.
Family-Owned & Operated
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.
"We Drive Every Car Before You Do"
Before a vehicle ever hits our lot, we personally drive and test it ourselves. If we wouldn't put our own family in it, we won't sell it to yours.
"Mechanic-Owned. That Changes Everything."
Omari Grant isn't just the owner — he's an ASE-certified mechanic who ran Front Line Auto for 8 years before selling his first car. Every vehicle is inspected by the same team that repairs cars for a living.
"Customers for Life, Not Just a Sale"
Our customers don't just buy once — they come back for their second, third car, and send their family. That's the trust you can't fake.
13+
Years in Business
4.9★
Google Rating
75+
Customer Reviews
$1,000
Minimum Down
✓
Every Car Inspected
Multi-point inspection by ASE-certified mechanics
✓
No Credit Check
Approval based on income, not credit score
✓
90-Day Warranty
Only Broward BHPH lot with our own mechanic shop
✓
Service After the Sale
Front Line Auto maintains every car we sell
In His Own Words
“I started this business because I see people purchase cars from other dealerships where they don’t even look at them. They just buy from the auction, don’t change the oil, don’t check the tires, don’t check the brakes — nothing. The moment you drive off the lot, it’s your problem, your headache.”
— Omari Grant, Owner
“I’m not just somebody fixing cars. I’m an ASE certified technician with multiple national certifications — the national standard for mechanics.”
— Omari Grant, Owner
“It’s not only that you get a warranty — you get a place you can come back to. That’s actually a shop that has the expertise of fixing cars.”
— Omari Grant, Owner
“I can diagnose the problem, I can fix the problem, and I can sell you a car that we know is just gonna work. Point blank.”
