Frequently Asked Questions

Motory Group operates as a Buy Here Pay Here dealership, which means we handle both the vehicle sale and the financing in-house. No banks or third party lenders are required. You browse our inventory of quality used vehicles and get approved for financing directly through us. This streamlined process is designed to help buyers who may have been turned away by traditional dealerships or financial institutions. You can start the process online by getting pre-approved in about a minute, then visit your nearest Motory Group location to finalize the process.

Motory Group has 8 different locations across the United States: Gainesville, FL; Joplin, MO; Rogers, AR; Conroe, TX; Duncanville, TX; San Antonio, TX; Florence, KY; and Bedford, OH. Each location offers the same commitment to quality used vehicles, flexible in-house financing, and exceptional customer service. Visit our Find a Dealership Page to get directions, hours, and contact information for the location nearest you.

Motory Group carries a curated inventory of quality used cars, trucks, SUVs, sedans, and vans from trusted brands. Every vehicle in our inventory goes through a rigorous inspection and reconditioning process before it hits the lot, so you can shop with confidence. Many of our vehicles are backed by a 12 month/12,000 mile warranty on select in-house financed vehicles. Whether you need a fuel-efficient sedan for daily commuting or a spacious SUV for your family, Motory Group has options to fit your lifestyle and budget.

You can absolutely start the process online! Browse our full inventory of used cars, trucks and SUVs at motorygroup.com, filter by vehicle type, and even get pre-approved for financing in about a minute; all from the comfort of your home! 

Motory Group specializes exclusively in used cars, trucks, SUVs, sedans, and vans. By focusing on pre-owned vehicles, we’re able to offer more affordable price points and flexible in-house financing options, making car ownership accessible to a wider range of buyers, including those with less than perfect credit. Our inventory is carefully curated from dependable brands and each vehicle undergoes a thorough inspection and reconditioning before being offered for sale. 

Getting started with Motory Group is simple and fast. First, visit motorygroup.com and use our quick online pre-approval form; it only takes a few minutes. Next, browse our inventory. Once we receive your completed pre-approval form, we will give you a call to talk about options and schedule an appointment for you to come in where you can finalize your application, test drive and finish the process before driving home with your new to you vehicle. Our friendly sales teams are here to help and guide you every step of the way. 

Motory Group offers several advantages over a traditional car dealership, especially if you’ve been turned down somewhere else. As a Buy Here Pay Here dealership, we provide in-house financing with no need for bank approval, making us ideal for buyers with bad credit, no credit, or first time buyers. Our vehicles are carefully inspected, reconditioned, and many come with a 12 month/12,000 mile limited warranty. With over 14 years in the business, a 4.9 star rating across more than 1,500 reviews and 20,000+ vehicles financed, we’ve built a reputation for giving every customer a fair shot at reliable transportation. 

Motory Group offers Buy Here Pay Here in-house financing, which means we are both the dealership and the lender. This eliminates the need to go through a bank or outside financial institution. Financing terms are structured to fit your budget and income, and payments can be made online or by phone. This type of financing is specifically designed for buyers who may not qualify for traditional loans. 

Absolutely. Bad credit auto financing is one of Motory Group’s core specialities. We have financing programs designed to get you approved. We look at your stability and full picture, not just a credit score, to work with you to build a payment plan that’s manageable. Our goal is to get you into a quality used vehicle, regardless of a number on your credit report. 

The Motory Group pre-approval process takes about one minute online. Simply fill out our quick pre-approval form at motorygroup.cmo. Once you visit one of our dealership locations, our team can help you complete the full in-house financing process quickly so you can drive home the same day in many cases. 

Our online pre-qualification process does not impact your credit score. It uses a soft inquiry that is not visible to other lenders and does not affect your credit report. This means you can explore your financing options risk-free before committing. When you complete a full credit application at the dealership, a hard inquiry may be performed, but our team will walk you through what to expect and how it may affect your score. 

To apply at Motory Group you will need a valid government issued photo ID (such as driver’s license, passport, or ID), proof of income (such as pay stubs, bank statements, or employment letter), and proof of residence (such as a utility bill or lease agreement). Requirements may vary slightly by location, so we recommend contacting your nearest Motory Group dealership to confirm exactly what to bring. 

Yes! Motory Group offers a convenient online pre-approval application at www.motorygroup.com/get-pre-approved. The form takes about one minute to complete, does not require a social security number and will not impact your credit score. You’ll receive a pre-qualification decision quickly, which allows you to shop our used car inventory with confidence before visiting the dealership. 

Down payment requirements at Motory Group vary depending on your individual financial situation, the vehicle you choose, and your financing terms. While some buyers may qualify for low or no down payment options, a down payment can help lower your monthly payments and overall loan cost. Our financing team will work with you during your visit to find a payment structure that fits your budget. Contact your nearest location to discuss what may be available for your specific situation. 

Refinancing options may be available depending on your circumstances and the terms of your current loan. If you’ve been making consistent, on-time payments and your financial or credit situation has improved since your original purchase, it may be worth discussing refinancing options with our team. Contact your nearest Motory Group dealership to learn more about what options may be available to you.

Yes! No credit history is not a barrier to approval at Motory Group. We work with first-time buyers and customers who have never had a credit card or loan. We evaluate income, stability, and ability to make payments, not just credit history. In fact, financing through Motory Group can be a great way to start building your credit history for the first time. 

Yes, Motory Group works with customers who have filed for bankruptcy, including Chapter 7 and Chapter 13. We understand that financial setbacks happen to good people, and we don’t believe a past bankruptcy should permanently prevent you from owning a reliable vehicle. Our Buy Here Pay Here financing is designed specifically to help customers in situations like these get back on the road and start rebuilding their financial future. 

Yes. A prior vehicle repossession will not automatically disqualify you from financing at Motory Group. We regularly work with customers who have had a repossession on their record and help them get into a quality used car with an affordable payment plan. Our in-house financing model gives us the flexibility to look at your current situation holistically rather than relying solely on past credit events. 

To strengthen your financing application at Motory Group, consider bringing documents that demonstrate income stability and financial responsibility. These include recent pay stubs or bank statements, proof of steady employment or self-employment income, proof of residence and a valid ID. A larger down payment, if you are able, can also improve your terms. Even if your credit history is challenging, ,showing consistent income is often the most important factor in getting approved. 

A co-signer may help improve your financing terms in some cases. If you have a creditworthy individual willing to co-sign your auto loan, it can increase the lender’s confidence in the loan and potentially results in better terms. Contact your nearest Motory Group location to discuss whether a co-signer option is available for your specific situation. 

At Motory Group, we look at the full picture when evaluating financing applications. In addition to credit history, we consider your monthly income, employment status and stability, length of time at your current residence, ability to make a down payment and references. This holistic approach is what allows us to approve buyers who would otherwise be turned away by traditional lenders.

Yes, Motory Group welcomes first-time car buyers and offers financing solutions tailored to those without established credit. If you’re buying your first vehicle and have little or no credit history, our team will walk you through the process and find a payment plan that fits your income and budget. Financing through Motory Group is also a great way to begin building a positive credit history, as we report payments to major credit bureaus.  

Motory Group reports payment activity to the major credit bureaus. For specific information about which bureaus your account is reported to, please contact your nearest Motory Group location or speak with a member of our financing team. 

After Motory Group reports your payment to the credit bureaus, it typically takes 30 to 60 days for the information to appear on your credit report. The exact timing may vary spending on when in the month your payment is made and when each bureau processes the update. Monitoring your credit report regularly is a good way to track your progress and ensure payments are being recorded accurately. 

Yes! Financing through Motory Group can be an effective tool for rebuilding your credit. Because we report payment activity to major credit bureaus, every on-time monthly payment you make is a positive mark on your credit history. Over the life of your loan, consistent payments can help raise your credit score, expand your access to credit, and put you in a stronger financial position. It’s one of the most meaningful benefits of choosing Buy Here Pay Here financing through Motory Group. 

Missing a payment can have consequences both for your loan and your credit report. Since Motory Group reports to credit bureaus, a missed or late payment may be reflected negatively on your credit history. Additionally, late payments may incur fees and could affect the status of your account. If you’re having difficulty making a payment, we encourage you to contact us so our team can work with you to find a solution!

Paying off your auto loan early is generally a positive financial move and is unlikely to negatively impact your credit score significantly. It demonstrates responsible debt management. However, closing an installment early can slightly reduce the average age of your credit accounts or affect your credit mix, which may have a minor effect on your credit score. For most customers, the benefits of pay off debt early far outweigh any minor credit adjustments.

Yes! Motory Group offers a convenient online payment portal through BlytzPay, making it easy to pay your monthly car payment from anywhere at any time. Simply visit the “Make a Payment” section on motorygroup.com and follow the prompts to securely process your payments online. Online payments are available 24/7, so you never have to worry about calling before closing time. 

Yes, automatic payment options may be available through our payment portal. Setting up autopay is a great way to ensure your payment is always made on time, which helps protect your credit score and avoid late fees.

The easiest way to to make your payment is through Motory Group’s online payment portal. You can also may your payments by phone at 352-222-6565. 

If your payment is late, it may result in a late fee and could be reported as delinquent to credit bureaus, potentially impacting your credit score. In more serious cases, repeated late payments could put your account in default. If you know you’ll have trouble making your payment on time, reach out to Motory Group as soon as possible. We’d rather work with you proactively than see your account negatively affected. 

Late fees may apply if a payment is not received by the due date. The specific late fee amount and grace period (if any) will be outlined in your financing agreement.

Payment due date changes may be available depending on your account status and loan terms. 

Motory Group encourages responsible financial behavior, including pay off your vehicle loan ahead of schedule. Prepayment penalty policies vary depending on your specific loan agreement, so we recommend reviewing your financing contract or speaking directly with your Motory Group dealership to understand any terms related to early pay off. In many cases, paying off early can save you money on interest over the life of the loan. 

At a minimum, you are required to carry the state-mandated liability insurance for the state in which you reside. However, because your vehicle serves as collateral for your in-house financing loan, Motory Group typically requires comprehensive and collision coverage (also called full coverage) in addition to liability. Full coverage protects both you and the vehicle in the event of an accident, theft, or damage. Speak with your Motory Group dealership for specific insurance requirements before your purchase. 

Yes! If you already have an auto insurance policy, you may be able to add your new Motory Group vehicle to your existing coverage. Simply contact your insurance provider before or during your purchase visit to update your policy. Make sure your coverage meets the minimum requirements as required by the financing agreement.

You will need to provide proof of active auto insurance before finalizing the contract for your vehicle. Proof of insurance can typically be provided via a digital declaration page or binder letter from your insurer. 

The Motory Group limited warranty covers key mechanical components including engine, transmission, and air conditioning system. This protection helps safeguard you from major unexpected repair costs during the warranty period. For the full list of covered components, exclusions, and terms, please review the official Motory Group warranty documentation or visit motorygroup.com/limited-warranty.

The Motory Group limited warranty lasts for 12 months or 12,000 miles, whichever comes first, on select vehicles financed in-house. Coverage begins from the data of purchase. This one year warranty period provides meaningful protection as you get started with your new vehicle and build confidence in its reliability. 

To file a warranty claim, contact your local Motory Group dealership directly and schedule a service appointment. The shop will evaluate the issue and determine whether it falls within the terms of your limited warranty. Be sure to have your warranty documentation on hand, including your purchase date and vehicle information. We recommend addressing potential warranty issues promptly to ensure covered repairs are completed within the warranty period. 

Yes, Motory Group welcomes customers from out of state. Many buyers travel to our dealership locations to take advantage of our quality used car inventory and flexible Buy Here Pay Here financing. If you are purchasing from out of state, our team will help you understand any additional documentation requirements, including out-of-state title and registration processes. Contact your nearest location in advance to discuss the details and plan your visit. 

When purchasing a vehicle at Motory Group, you can expect standard transaction fees in addition to the vehicle price. These typically include state and local sales tax, title and registration fees, and a documentation fee. All applicable fees will be clearly disclosed to you before you sign any paperwork. We are committed to transparency. What you see if what you get, with no surprise charges at closing. 

Vehicle return and exchange policies are outlined in your purchase agreement. We encourage all all customers to carefully inspect the vehicle and take a test drive before finalizing the purchase to ensure it meets your expectations. If you have a concern about your vehicle after purchase, contact your local Motory Group dealership as soon as possible. Our team is committed to customer satisfaction and will work with you to address any issues. 

Vehicle delivery options may be available depending on your location and specific dealership. Contact your nearest Motory Group location to ask about delivery availability and any associated requirements or fees.

You can reach the Motory Group customer support team by visiting the “Contact Us” page on our website motorygroup.com/contact, by calling your local dealership directly, or stopping by any of our locations in person. Our team is here to help with questions about inventory, financing, payments, warranty claims, and more. We are committed to providing excellent customer service from your first inquiry all the way through the life of your loan.

Business hours vary by location. To find the most accurate and up-to-date hours for your nearest Motory Group dealership, visit our Find a Dealership page at motorygroup.com/find-a-local-used-car-dealership or contact the location directly. Our dealerships are open during weekday and weekend hours to accommodate a variety of schedules, making it easy to visit when it is most convenient for you.

Scheduling a test drive at Motory Group is easy. You can browse our inventory online, find a vehicle you are interested in, and contact your nearest dealership to schedule a time to come in. You are also welcome to walk in during regular business hours and ask to test drive any available vehicle. We encourage all buyers to take a test drive before making a decision, it’s an important part of finding the right vehicle for you.

No! Motory Group is committed to transparency, honest pricing with no hidden fees. All applicable charges, including sales tax, title and registration fees, and documentation fees, will be fully disclosed to you before you sign any paperwork. We want you to feel confident and informed throughout the entire car buying experience. If you ever have a question about a charge, just ask! Our team is happy to explain every line item!