How It Works...
...and What to Bring With You To The Dealership
How Our Financing Process Works
At Rubio Auto Sales, we've made purchasing your next vehicle as simple and straightforward as possible. Whether you qualify for traditional financing or need the flexibility of our Buy Here Pay Here program, our experienced finance team will help you explore the options that best fit your individual situation.

Start by completing our online pre-approval form, then browse our selection of quality pre-owned vehicles. Once you've found the right vehicle, our team will review your financing options, explain the available terms, and guide you through every step of the purchase process. Our goal is to make your experience transparent, stress-free, and focused on getting you back on the road with confidence.
 

Step 1: Apply Online or Visit Our Dealership

Complete our secure online pre-approval form or stop by Rubio Auto Sales to meet with our team. We'll gather some basic information to better understand your financing needs and help you get started.

Step 2: Review Your Financing Options

Our finance specialists will review your information and determine the financing solutions available to you. Whether you qualify through a traditional lender or our Buy Here Pay Here program, we'll explain your options clearly and answer any questions along the way.

Step 3: Find the Right Vehicle

Browse our inventory of quality pre-owned cars, trucks, SUVs, vans, and commercial vehicles to find one that fits your lifestyle and budget. Our team is happy to help you compare vehicles and choose the one that's right for you.

Step 4: Complete Your Purchase and Drive Home

Once your financing and vehicle selection are finalized, we'll review all paperwork with you, explain your payment terms, and make sure you feel comfortable before driving away in your next vehicle.
How does Buy Here Pay Here financing work at Rubio Auto Sales?

Our Buy Here Pay Here program allows qualifying customers to finance their vehicle directly through Rubio Auto Sales instead of relying solely on traditional lenders. We'll review your individual situation, explain your financing options, and help you choose a payment plan that works for your budget.

What should I bring when applying for financing?

While every application is different, customers are generally asked to provide a valid driver's license or government-issued ID, proof of income, proof of residence, and current contact information. Our team will let you know if any additional documentation is needed.

Can I qualify if I have bad credit or no credit?

Yes. Rubio Auto Sales works with customers from many different credit backgrounds. Whether you have excellent credit, are rebuilding your credit, or have little to no established credit history, we'll work to find the financing solution that's right for you.

How long does the financing process take?

Every situation is unique, but our goal is to make the financing process as quick and efficient as possible. Once we receive the necessary information, our team will review your application and guide you through each step.

Do I need to choose a vehicle before applying?

No. Many customers choose to get pre-approved first so they have a better understanding of their financing options before selecting a vehicle from our inventory.

Can I trade in my current vehicle?

Absolutely. We welcome trade-ins and can provide a fair evaluation of your current vehicle. Your trade-in value may be applied toward the purchase of your next vehicle.

How do payments work with Buy Here Pay Here financing?

Payment schedules and options are explained in detail before you complete your purchase. Our team will make sure you understand your payment terms and answer any questions you have throughout the financing process.

Where is Rubio Auto Sales located?

Rubio Auto Sales is conveniently located in Homestead, Florida, and proudly serves customers throughout South Miami-Dade County, Florida City, Leisure City, Cutler Bay, Kendall, the Florida Keys, and surrounding South Florida communities.