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Mountville Motors
Mountville Motors
Mountville Motors lot in Columbia, PA
30+ years local · Columbia, PA

Buy Here Pay Here in Columbia, PA. No credit check.

We approve on your income, not your credit score. $1,000 down gets you started — payments matched to your pay schedule. Bad credit, no credit, past repos all welcome. No bank, no games.

Get pre-approved in 30 secondsOr text Jordan: 717-282-9188
800+ active customers in our family.
No credit check, no bank, no catch.
30+
years in Columbia
800+
active customers
No
credit check needed
$1,000
minimum down
What's on the lot

Vehicles ready to go home this week

Inspected, prepped, $6,999–$11,999. Every vehicle here was something we'd put our own family in.

See full inventory
2014 RAM CARGO VAN
Ready Now
#146508Q

2014 RAM CARGO VAN

Minivan·White·210,900 mi
Down
$1,200
2006 Ford E-350
Ready Now
#067379

2006 Ford E-350

Minivan·Maroon·97,533 mi
Down
$1,200
2009 Ford Escape
Ready Now
#096734

2009 Ford Escape

SUV·Blue·134,034 mi
Down
$1,200
2003 Toyota Avalon
Ready Now
#039042

2003 Toyota Avalon

Sedan·Silver·105,249 mi
Down
$1,200
2004 Chevrolet Impala
Ready Now
#046148

2004 Chevrolet Impala

Sedan·Silver·80,568 mi
Down
$1,200
2010 Ford Focus
Ready Now
#103865

2010 Ford Focus

Sedan·Silver·114,345 mi
Down
$1,000
How it works

Four steps. No bank. No surprises.

Most folks know where they stand same day. Here's exactly what happens.

1

Tell us about you

Quick form or a text. Where you live, where you work, how you get paid. No credit check.

2

Get approved

We approve on income, stability, $1,000+ down, and a valid PA license. Most folks know same day.

3

Pick your vehicle

Test drive what you're considering. Vehicles 2006–2016, $6,999–$11,999, all inspected.

4

Drive home

Bring license, proof of income, proof of address, SSN. Sign, set up payments matched to your pay schedule.

Read the full breakdown →
Second chances start here

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
  • $1,000 minimum down covers tax, tags, title, plate
  • Weekly or bi-weekly payments matched to your pay schedule
  • 30-day warranty + 18-month service contract included
  • Insurance options that work for the BHPH model
Get pre-approvedHow it works
Mountville Motors storefront
Common questions

The honest answers

What's the catch?
No catch. We're in-house, no bank involved. We approve on income, not credit score. The down payment covers tax, tags, title, plate. Payments match your pay schedule. That's it.
Do you really not check credit?
Correct — we don't run a traditional credit check. We approve on income, stability, down payment, and a valid PA license. Past credit issues don't disqualify you here.
Do you accept disability or SSI income?
Yes — disability, SSI, and pension income all count for our approval. We just need proof of steady income coming in (statements or award letter).
What if my license is expired or suspended?
We need a valid PA driver's license or PA state ID for approval. If yours is expired or suspended, the team can talk you through what you'd need to get back on track — reach out and we'll point you in the right direction.
Can I buy a vehicle for a family member?
The person whose name is on the loan needs to be the one making payments and meeting our income/license requirements. If you're helping a family member, they should be the primary applicant. The team can walk through specifics if it's a special situation.
See all FAQs
What customers say

Our customers tell it straight.

800+ folks in our family trust us with their main car. Read what they've said — unfiltered.

See the review wallLeave a Google review

“Got me into a Honda when nobody else would touch me.”

“30 minutes. They handed me keys. No joke.”

“Barbara worked with me when I had a rough month. Real people.”

“Drove home Saturday with my kids. Means everything.”

Ready when you are.

Pre-approval takes 30 seconds. Or just shoot Jordan a text — we'll go from there.

Get pre-approvedText Jordan: 717-282-9188