99¢ Down Payment Delivers

Have a bad credit score no credit at all? A buy here pay here car dealer may be the best option for you. Central Auto Sales is the premiere buy here pay here dealership in Arkansas with exclusive access to Finance Giant, JP Capital. We focus on financing the person and not the credit score. Every customer is treated like family and we are committed to providing safe, reliable used cars at a payment that will fit your budget. What makes our financing program so special? I am glad you asked because we are very proud of our financing partner, JP Capital. They enable us to say yes to customers that would normally not qualify with exclusive benefits such as
  • 99 cent down payment program
  • We focus on the person not the credit score
  • We don’t look at credit card or medical debt
  • Customized programs to fit a customer’s specific needs

Remember, all our financed vehicles come with

We will show you the Carfax vehicle history report free of charge
If you don’t love your car simply return it within 5 days and we will get you into another car that is a better fit.
We include a 6 Month / 6,000 Mile Warranty with every financed car at no additional cost to the buyer with an optional 24 Month / 24,000 Mile Service Contract.

What if you have bad credit?

If you have been turned down for an auto-loan in the past, relax, we can help. We specialize in helping people rebuild their credit and finding the right payment that will fit your budget. We understand that life gets complicated and we have all been in a “credit crunch” at one point or another. We are more focused on who you are then what a credit score could tell us.

What type of information will I need to provide?

When we say, this is fast and easy, we mean this is fast and easy. We need some very basic information from you in order to complete your financing. You can complete Quick Sheet here or call our customer care specialist (501-781-2681) who are standing by to speak directly with you. Once you have been pre-approved we will simply need you to provide the following
  • Driver’s License
  • Proof of Residence (just a copy of a bill with your name)
  • Proof of income (like a check stub)
  • 8 References (family, friends, co-workers or whatever you have in your cell phone will work just fine)

Apply Today Don’t worry about credit issues, let our finance department work for you and get you into a vehicle of your choice.




Contact us to find out more about the vehicles and services we offer.