Financing

Buy Here Pay Here Financing Made Easy in El Paso, TX

At S&S Motors, getting approved is simple, fast, and stress-free. We offer Buy Here Pay Here financing where your job is your credit, flexible payment plans, and a team that truly cares. If you’ve had credit challenges in the past — no worries. We’re here to help.

What You Need to Get Approved

We make it easy — here’s what to bring with you:

What kind of proof of income do I need to bring?

To get approved, we just need a recent pay stub or any other verifiable income document. This helps us understand what kind of payment plan works best for you. If you’re self-employed, we can also accept bank statements or tax returns — just ask!

Do I need a valid driver's license or ID?

Yes — a valid driver’s license or government-issued photo ID is required. It helps us confirm your identity and get your paperwork started quickly. Even if you don’t have a driver’s license, we may still be able to work with you depending on the situation.

What counts as proof of residence?

We just need something that shows your current address — this can be a recent utility bill, lease agreement, phone bill, or even a piece of official mail. It helps us verify where you live for registration and loan purposes.

How much money do I need for a down payment?

Down payments vary depending on the vehicle and your financial situation. The good news? We’ll work with you to find something affordable. Have a trade-in? Even better — we can apply that value to your down payment!

Can I trade in my current vehicle?

Absolutely! We accept trade-ins of all kinds. Bring in your vehicle for an on-the-spot appraisal — or use our online trade-in form to get started from home.