If you’ve been searching for “buy here, pay here” car lots in Springfield, MO, we’ve got good news: Auto By Rent offers something better. Our lease-to-own program gives you a smarter, more affordable path to vehicle ownership — without the banks, without the hidden fees, and without the credit barriers that hold most people back.
A Better Alternative to Traditional “Buy Here, Pay Here” Car Lots
Most “buy here, pay here” car dealerships require you to handle the costly paperwork upfront — sales tax, registration fees, licensing fees — before you even drive off the lot. At Auto By Rent, we do things differently. We’re an in-house financing car lot that tags and licenses the vehicle for you during the term of your agreement. Sales tax is spread across your payments, so you’re not hit with a large lump sum at signing.
There are no banks involved. No third-party lenders. You make your payments directly to us — weekly or monthly — on a schedule that works for your life.
How the Lease-to-Own Process Works
Getting into a vehicle at Auto By Rent is simple and straightforward:
- Down Payment: Customers can get started with as little as $500 down. The better you qualify, the more flexibility we have on terms.
- Weekly or Monthly Payments: Typical payments range from $75 to $135 per week ($325–$585 per month), with sales tax already included. No surprise costs.
- We Handle Tags and Licensing: During your agreement, Auto By Rent registers and licenses the vehicle on your behalf — no upfront registration or licensing fees required.
- Ownership at the End: Most vehicles are fully paid off in 2.5 to 4.5 years. When your term is complete, the vehicle is yours, free and clear.
Easy to Qualify — No Traditional Credit Check
One of the biggest advantages of choosing Auto By Rent over other “buy here, pay here” car lots in Springfield is how we evaluate applicants. We don’t rely on your credit score. Instead, we look at your overall stability — consistent income, a reliable address — which makes it much easier to qualify, even if your credit history isn’t perfect.
If you’ve been turned away by banks or traditional dealerships, our no credit check car lot process may be the fresh start you need. Ready to find out where you stand? Get pre-approved online in minutes.
Browse Our Inventory
We carry a wide selection of pre-owned cars, SUVs, trucks, and vans from brands like Toyota, Ford, Honda, Lexus, Chevrolet, and more. Whether you need a fuel-efficient commuter or a dependable family vehicle, you’ll find real options in our current inventory — all available through our lease-to-own program.