Get Financing with Bad, Poor, or No Credit!

Bad Credit? Poor Credit? No Credit? No Problem, We Can Help.

At Ray Laks Acura of Buffalo, we come to work every day with the idea that every customer who walks through our door should have the right drive away with a vehicle. We understand that life is unpredictable, and when it's not going our way, credit scores have a tendency to take a hit. If you've endured rejections from banks and lenders for auto loans due to bad credit, poor credit, or no credit, we can help.

From our dealership in Williamsville, the expert team in our finance center has helped thousands of regional drivers just like you find the right loan that fits comfortably even in the tightest budgets. What's more, is that our selection of vehicles is of the highest quality, so when you finance from us, you can rest assured that your hard earned money is being invested wisely.

A Team of Empathetic Professionals That Are Here to Serve You

We've been in this business long enough to know that many dealers shy away from selling cars to people with credit trouble. That's why we've taken it upon ourselves to find solutions that work for the individual, rather than force drivers to meet unrealistic financial expectations. Our finance team has worked with many drivers across the region on a variety of budgets with a judgment-free attitude, and their only goal is to make sure they hand you the keys to your next car.

Call Us

Ray Laks Acura of Buffalo

7460 Transit Road
Directions Williamsville, NY 14221

  • Sales: (844) 702-0982
  • Service: (833) 209-8063
  • Parts: (833) 210-1351

Hours

  • Monday 9:00am - 8:00pm
  • Tuesday 9:00am - 8:00pm
  • Wednesday 9:00am - 6:00pm
  • Thursday 9:00am - 8:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 5:00pm
  • Sunday Closed

Fill Our Our Credit Application Below to Get Pre-Approved or Call Us at (716) 632-1111  to Set Up an Appointment

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Important Privacy Information*

Privacy Statement

Introduction
As a valued customer, we want to ensure your private information is kept private and only shared with those companies who are authorized either by yourself or as allowed or required by law. This document explains our privacy policy, gives you reasons why we ask for the type of information we do, and if we do reserve a right to share information with non-affiliated third parties, lets you "opt-out" of our reservation to do so. Please take a moment to read this entire policy.

Collection of Information
The purchase of a motor vehicle requires considerable accumulation of nonpublic personal information. For example, if we sell or lease you a vehicle - extending you credit at your request - we will receive information from you in order to determine your creditworthiness. We may also obtain information from a credit-reporting agency. We may also obtain information from third parties such as employers, references and insurance companies.

Some of the information we obtain from you may be required by state of federal agencies, such as the Department of Motor Vehicles or the Internal Revenue Service. This information may be required even if you were to pay cash for your vehicle. Examples would be a driver's license or social security number.

Protecting Your Information
We safeguard nonpublic personal information according to established industry standards and procedures. We maintain physical and electronic safeguards that comply with state and federal law. We restrict access to nonpublic personal information about you to those employees and outside contractors who need to know the information to provide product or service to you. We prohibit our employees and agents from giving information about you to anyone in a manner that would violate any applicable law or our privacy policy.

Information Sharing
Unless we have indicated our desire to share your nonpublic personal information with non-affiliated third parties (by checking the box in the section below), we share information:

A) For everyday business purposes, such as to process transactions, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus.

B) For purposes of processing a sale or lease transaction as your request or authorize, such as submitting information to third party financial institutions that may be requested to take an assignment of the contract or verifying insurance coverage information.

C) When using outside service providers to help us provide you with products and services. Before providing information to our service providers we enter into contractual agreements prohibiting them from disclosing or using the information other than for the purpose it was disclosed.

D) With "Affiliated" companies. Companies that are affiliated with us include any company that controls us, any company we control, or any company under common control with us.

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I am interested in purchasing or leasing a vehicle and request that my Consumer Credit Report be obtained, at no cost to me, in order to help determine the types and extent of financing which may be available to me.
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Our Convenient Tools Make it Easy to Get Financed

We understand that it can be tough to find the time in your schedule to make multiple trips to our showroom. That's why we offer an array of online tools that you can use from the convenience of your home in West Seneca, Cheektowaga, or Hamburg NY, each of which helps to cut down on the amount of time you have to spend sitting around:

We'll Help Improve Your Credit As Well

It sounds wrong, but a car loan from Ray Laks Honda goes a long way in repairing bad credit reports, or improving your credit score if you don't have any established yet. You see, your loan approval is reported to the credit monitoring agencies, as is each on-time payment you make. If you have mostly credit card debt in your report (also knows as a revolving line of credit), adding a car loan (categorized as an installment loan) balances out your types of credit used -- which leads to better ratings.

Once you've paid your loan off, that success is reported as a major milestone to the credit reporting agencies. Plus, you now have access to the equity you've built in your Honda vehicle! You can then use that as a significant part of the down payment on your next Honda vehicle, or take that value as cash by selling your car.

Our Team is Here to Help

At Ray Laks Honda, we take great pride in working with every customer to help them get the financing that they deserve. We truly believe that everyone deserves the opportunity to drive a new vehicle, and we're determined to make that happen for everyone who enters our showroom. Feel free to contact us and discuss your particular situation, so we can go to work on your behalf.