BUY HERE PAY HERE WORK TRUCK FINANCING
COMMERCIAL VEHICLE FINANCING FOR EL PASO BUSINESS OWNERS
Buy Here Pay Here financing means your financing is handled directly through the dealership instead of only through a traditional bank. At Jacobs, that may create another option for buyers looking for work trucks, cargo vans, and commercial vehicles in El Paso.
Start Your Application
WHO IN-HOUSE FINANCING IS HELPFUL FOR
Jacobs works with contractors, business owners, and independent workers who need a dependable vehicle to keep moving forward.
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CONTRACTORS & TRADESPEOPLE
Explore financing options for work trucks and commercial vehicles used for tools, equipment, materials, and daily jobs.
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SELF-EMPLOYED BUYERS
We understand that independent workers and business owners may not have a traditional employment situation.
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LOCAL BUSINESS OWNERS
Whether you are maintaining your operation or preparing to grow, the right commercial vehicle can make a difference.
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FIRST-TIME WORK-VEHICLE BUYERS
Buying your first work truck or cargo van can feel complicated. Our team explains the available steps and options clearly.
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GROWING BUSINESSES
Looking to add another truck, van, or commercial vehicle? Explore options based on your application and vehicle needs.
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PAST CREDIT CHALLENGES
Previous credit problems do not always reflect your current situation. Every application is reviewed individually.
A Simple Path to Your Next Work Vehicle
No mystery and no runaround. Here is exactly how in-house financing goes.
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Start Your Application
Share some basic information about yourself, your business, and the type of work vehicle you need.
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Review Your Options
Our team reviews your application and explains the financing options and available vehicles that may fit your situation.
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Complete the Next Steps
If approved, we will walk you through the required paperwork and help you move forward with your selected vehicle.
What to have ready before you stop by
A short, honest list. No surprise paperwork once you are at the desk.
Down Payment
- Depends on the vehicle, but typically 25%-40% of the vehicle price is required as down payment upfront.
- Trade-ins accepted toward down payment.
Proof of Income
- Last 2 recent pay stubs (W-2 employees)
- Business bank statements (last 60-90 days)
- Tax returns (self-employed/business owners)
- Profit & Loss statements
- 1099 forms (independent contractors)
- Business financial records
Proof of Address
- Utility bill (electric, gas, water)
- Lease agreement or mortgage statement
- Bank statement with address
- Government correspondence
- Must be dated within last 60 days
Valid ID
- Driver's License (TX or any state)
- State ID card
- Passport
- Military ID
A Couple References
- Full name
- Phone number
- Relationship to you
- We rarely call references - just need for record
That's the whole list
Bring these and we can usually give you a real answer the same visit. Missing one? Come in anyway and we will sort it out together.
Buy Here. Pay Here. Work With One Local Team.
Finance Here. Make Your Payments Here.
With Buy Here Pay Here financing, your financing is handled directly through Jacobs Auto Sales Fleet.
Instead of making payments to a traditional bank or outside lender, you make your vehicle payments directly to us.
Meet the financing teamFinancing Questions
Straight answers before you apply
A quick pass through the details business owners usually ask about before sending an application.
What credit score do I need?
None! We don't check traditional credit scores. We focus on your current income and ability to make payments, not your past credit mistakes.
Will you run my credit?
We may do a soft pull for verification purposes, but it won't hurt your credit score. We don't use traditional credit checks to make approval decisions.
How long does approval take?
Usually 1-2 hours same day. Bring your documents in the morning, and you could be driving your vehicle home that afternoon!
Can I get approved with a bankruptcy or repossession?
Yes! We regularly approve customers with bankruptcies, repossessions, and foreclosures. Your past doesn't define your future with us.
What if I'm self-employed or have cash income?
No problem! Bring bank statements showing regular deposits or your tax returns. We work with all types of income, including cash-based businesses.
Do I need a job to get approved?
You need income, not necessarily a traditional "job." We accept Social Security, disability, unemployment, pension, gig work, and self-employment income.
What happens if I'm late on a payment?
Call us immediately before your due date. We understand life happens and we work with customers during tough times. Communication is key!
Can I pay off the vehicle early?
Yes! There are no prepayment penalties. Pay it off anytime you want and save on interest.
Can I bring a co-signer?
Co-signers are not required, but can help you get approved for a larger loan amount or lower payment. They're completely optional.
Ready When You Are
Let’s Find a Financing Path Forward
Apply for in-house financing on an available work truck or commercial vehicle. We will review your information and clearly explain what options may be available.
Start Your ApplicationPrefer to talk it through first? (915) 779-9303