More Ways to Finance Your Next Vehicle
Financing shouldn’t force every customer into the same box. At E-Z Way Auto Sales, we offer multiple ways to finance your next vehicle, including our own in-house financing and traditional financing through outside lenders.
Whether you’re building credit, buying your first vehicle, or simply looking for competitive financing on your next car, our team will help you explore the options available to you.
Find the Financing Path That Fits You
Every customer comes to E-Z Way with a different budget, credit history, and vehicle goal. That’s why we offer more than one way to finance a vehicle.
In-House Buy Here Pay Here Financing
Our in-house financing gives E-Z Way the ability to work directly with customers across a wide range of credit situations.
Instead of relying entirely on an outside lender’s approval criteria, our team can take a more personal look at your situation and help determine the options available to you.
Traditional Auto Financing
E-Z Way also works with multiple outside banks and lenders for customers looking for traditional auto financing.
If conventional financing is the right fit for your situation, our team can help connect you with available lending options while you shop for the vehicle you want.
First-Time Buyer Financing
Buying and financing your first vehicle can feel overwhelming. Our team can walk you through the process, help you understand your available options, and make it easier to take that first step.
E-Z Way Auto Financing FAQs
Does E-Z Way offer Buy Here Pay Here financing?
Yes. E-Z Way offers in-house Buy Here Pay Here financing in addition to traditional financing through outside lenders.
Do I need perfect credit to apply?
No. E-Z Way works with customers across a wide range of credit situations. We encourage customers to apply and let our team review their individual circumstances rather than assuming they won’t qualify.
Does E-Z Way offer traditional car loans too?
Yes. In addition to in-house financing, E-Z Way works with multiple outside lenders for customers seeking conventional auto financing.
Can first-time buyers apply for financing?
Yes. First-time buyers are welcome to apply, and our team can help explain the process and available options.
Can I get pre-approved online?
Yes. You can begin the pre-approval process online before visiting E-Z Way in Hickory or Lincolnton.
Does E-Z Way report payments to the credit bureaus?
Yes. E-Z Way reports payment activity to the credit bureaus, which may help customers build a positive payment history when their account is managed responsibly.
Your Story Matters More Than One Number
Credit is part of the financing process, but it isn’t the only thing that defines you.
At E-Z Way, we want the opportunity to understand your situation, your needs, and what you’re trying to accomplish. We work with customers across a wide range of credit backgrounds and encourage you to apply rather than assuming you won’t qualify.
Building or Rebuilding Credit
If you’re working to establish or rebuild your credit history, E-Z Way’s in-house financing may provide another path toward your next vehicle.
E-Z Way reports customer payment activity to the credit bureaus, giving customers the opportunity to build a positive payment history when accounts are managed responsibly.
Challenging Credit History?
Past credit challenges don’t automatically mean you shouldn’t apply. Our goal is to speak with you, understand your situation, and determine what options may be available.
Strong Credit?
You don’t need challenged credit to shop at E-Z Way. Customers with stronger credit can also explore traditional financing options through our outside lending partners.
A Simple Path From Shopping to Financing
Browse
Your Options
Start by exploring E-Z Way's selection of used cars, trucks, and SUVs to find vehicles that fit your needs and budget.
Get
Pre-Approved
Complete our short pre-approval form to give the E-Z Way team the information needed to begin reviewing your financing options.
Explore Available Financing
Depending on your situation, your options may include E-Z Way's in-house financing, financing through an outside lender, or another available program.
Choose
Your Vehicle
Once you understand your options, our team can help you move forward with the vehicle and financing path that work for you.
Financing With a More Personal Approach
E-Z Way has been family owned and operated since 1982, and we believe buying a vehicle should still feel personal.
One Person From Start to Finish
Your salesperson stays with you throughout the buying process, so you are not passed from department to department or asked to repeat your situation to multiple people before getting clear answers.
Multiple Financing Options
In-house financing and outside lending relationships give our team multiple avenues to explore, helping us review different financing options based on each customer's individual situation and needs.
Fast, Straightforward Process
Our goal is to help you clearly understand your financing options and move through the process as smoothly as possible, without unnecessary confusion, extra steps, or avoidable delays.
A Vehicle You Actually Want
Flexible financing should not mean settling for whatever happens to be available. With 200+ vehicles across the E-Z Way inventory, customers have more opportunities to find a car, truck, or SUV that fits their needs.
Buying Your First Car?
Start Here.
Your first vehicle purchase comes with a lot of questions, especially when financing is involved.
E-Z Way’s team can help you understand the application process, review available financing options, and walk you through the next steps without expecting you to already know how everything works.
What Should I Bring?
Specific documentation requirements may vary depending on the financing program and individual application.
Explore Current Financing & Vehicle Specials
E-Z Way periodically offers special opportunities for customers looking for particular price points or down-payment options.
$500 Down Specials
Qualifying vehicles may be available through promotional $500 down offers.
Vehicles Under $20,000
Shopping within a specific price range? Browse available used vehicles priced under $20,000.
Auto Financing in Hickory & Lincolnton, NC
E-Z Way serves vehicle shoppers from our locations in Hickory and Lincolnton, North Carolina, with financing options designed for a broad range of buyers.
Whether you’re exploring traditional auto financing, looking for an in-house Buy Here Pay Here option, or financing your first vehicle, you can start the process online before visiting the location that’s most convenient for you.
Let's Find the Right Financing Option for You
You don’t need to know exactly which financing program you need before you apply. Tell us a little about your situation, and the E-Z Way team can help you explore the next step.
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