Used cars, financed by the people who sell them
Our cars. One price.
No interest, ever.
We buy the cars, we hold the title, and we carry the loan ourselves. Every car on the lot shows the full out-the-door price, and you can split that exact price over three years without paying a cent of interest on it.
What a car on our lot looks like · 2014 Mazda3 · Orlando, FL
Down today
$4,000
Per month × 36
$245.32
$12,831.70 out the door · $8,831.70 financed · $0.00 interest
Credit terms · $4,000 cash down; annual percentage rate 0.0%; 35 monthly payments of $245.32 and a final payment of $245.50; total of payments $8,831.70; no finance charge. Credit extended by DealerCars, a licensed motor vehicle dealer and retail installment seller. Subject to verification of income, residence, and down payment.
Start from your budget, not from a sticker.
Set your down payment and your monthly ceiling. We solve them backwards — through tax, title and fees — into the cars on our lot that your money actually reaches.
Worksheet · 0% APR — no interest · 36 months · tax, title & fees included
A ceiling, not a wish. We solve backwards from what you can keep paying — tax, title, registration and doc fee already counted. None of it goes to interest.
You can shop up to
$16,900
Out the door, in FL — the whole price, not a sticker you add fees to later. That is a $14,883 car once tax, title and the doc fee come out of it.
Credit terms · $2,500 cash down; annual percentage rate 0.0%; 36 monthly payments of $400.00; total of payments $14,400.00; no finance charge. Credit extended by DealerCars, a licensed motor vehicle dealer and retail installment seller. Subject to verification of income, residence, and down payment.
How buying here works
Six steps, and we are on the hook for four of them. That is the difference between a dealership and a marketplace.
- 01DealerCars
We buy the car
We hold the dealer licence and the auction access, so we buy, inspect and recondition every car ourselves. Nothing is listed until we have the title in hand.
- 02You
Pick one and see the real price
Every car shows one number: out the door, tax and title and doc fee already in it. No fees appear later, because there are none left to appear.
- 03You
Choose how to pay
Pay in full, or split the same price over 12, 24 or 36 months. Interest-free means interest-free: the payments add up to the cash price to the cent.
- 04DealerCars
Ability-to-pay check
We look at what you earn and what the payment leaves you, not at a credit score. Thin or damaged files are the market, not a disqualification.
- 05You
Come drive it
Book a visit, drive the car, and sign there. A deposit holds it for your appointment and is refundable in full until you sign.
- 06DealerCars
We hold the paper
We are the seller and the creditor on your contract. Nothing is sold on to a third-party lender, so the people you pay are the people you bought from.
Tell us what you’re looking for.
We buy cars one at a time and the lot turns over quickly. Leave your email and we’ll tell you when something that fits your budget lands.