Buy Here Pay Here in Columbia, PA. No credit check.
We look at your income, not your credit. A down payment of at least $1,000 is required.
Most places decide in 30 seconds off a score. We'd rather hear the whole story. We look at your income, not your past. A down payment of at least $1,000 is required, and payments are matched to how you actually get paid.
4.2350 Google reviewsNo credit check, no bank, no catch.
Cars ready now
Inspected and prepped. We don't put one out here that we wouldn't put our own family in.
2006 Volvo S40
2009 Toyota Camry
2013 Nissan Altima
2004 Hyundai Elantra
2008 Hyundai Entourage
2009 Toyota Corolla
A second chance, not a second-class deal.
We don't think a credit score should decide whether you can get to work tomorrow. Family-owned in Columbia since 2002, and every car gets the Mountville Check-Over before it's marked Ready.
If you've got steady income and need something dependable to get around, we should talk. If you're after a brand-new loaded truck, we're probably not your place.
Open Monday to Friday, 9 to 6 (Tuesday until 5). Closed weekends. Text anytime at 717-282-9188: Marty answers right away, and the team picks it up during business hours.
Meet the team →Four steps. No bank. No surprises.
Here's how it actually goes.
Tell us about you
Quick form or a text. Where you live, where you work, how you get paid. No credit check.
See where you stand
We look at your income, not your score, and talk through what works for you. Most folks know where they stand the same business day.
Pick your vehicle
Test drive what you're considering. Vehicles mostly 2006 to 2016, all inspected.
Drive home
Bring your valid PA driver's license, proof of income (your 2 most recent pay stubs, or a benefits letter), proof of address, your Social Security card or W-2, and your down payment ($1,000 minimum, drive-away). Sign, and set up payments matched to your pay schedule.
Past credit issues? Past repos? Bankruptcy? You're still welcome.
The banks have one filter: your score. We have four: your income, your stability, your down payment, and your license. That's it.
- 100% in-house financing: no bank, no credit pull
- Down payment of at least $1,000 required: all you pay to drive away
- Payments every week or every two weeks, matched to your pay schedule
- 30-day limited warranty included; optional 18-month service contract, financed
- We'll connect you with a local insurance agent.
The honest answers
What's the catch?
Do you really not check credit?
Do you accept disability or SSI income?
What if my license is expired or suspended?
Can I buy a vehicle for a family member?
Our customers tell it straight.
Over 1,000 customers since 2002. Read what they've said, in their own words.
“They helped me out when I couldn't get approved elsewhere.”
Jamil H. · Honda CR-V
“Price was great, we drove away within the hour.”
Victor O. · Kia Soul
“The entire staff was so helpful and worked hard to help me get into a new car.”
Cj C. · Honda CR-V
“We went to Mountville Motors and were treated with respect.”
Penny M. · Buick Lucerne
Excerpts from customer stories on our review wall. We don't pay for reviews.
Ready when you are.
Starting your application takes 30 seconds. Or just shoot Jordan a text and we'll go from there.