In-house financing for all credit situations. No banks, no hassle, no waiting.
At J & S Auto Brokers, we handle everything under one roof. No third-party banks, no lengthy approval processes. We make the lending decisions right here, which means we can work with credit situations that traditional lenders won't touch.
Browse our inventory online or visit our lot in Lavonia. Every vehicle is inspected and ready to go.
Fill out our simple application. We'll need proof of income, a valid ID, and references. That's it.
Most approvals happen the same day. We'll work with you on a down payment and monthly terms that fit your budget.
Complete your paperwork and drive off the lot in your vehicle. Simple as that.
Getting approved is straightforward. Here's what to bring:
Recent pay stubs, bank statements, or proof of benefits. Your job is your credit here.
Georgia driver's license or state-issued ID. We also accept valid IDs from other states.
A recent utility bill, lease agreement, or bank statement showing your current address.
Down payment amounts vary by vehicle. We'll work with you to find terms that make sense for your budget.
We'll ask for a few personal references — family members, friends, or coworkers who can vouch for you.
You'll need full coverage insurance on your vehicle. We can help point you in the right direction if needed.
Traditional financing doesn't work for everyone. Banks and credit unions have rigid requirements that leave many hardworking people without options. Buy Here Pay Here is different:
We don't rely on your credit score to make a decision. Whether you have bad credit, no credit, or are rebuilding after bankruptcy — we can help.
No waiting days or weeks for a bank to respond. We make decisions in-house, often on the same day you apply.
We structure payment plans around your pay schedule — weekly, bi-weekly, or monthly. Whatever works best for you.
Making your payments on time can help you build or rebuild your credit history, putting you in a better position down the road.
Apply online in under 5 minutes or give us a call. We're here to help you get behind the wheel.
J & S Auto Brokers is proud to offer buy here pay here financing to customers throughout Northeast Georgia and Western South Carolina. Our dealership is conveniently located in Lavonia, GA on Jones Street, with easy access from I-85. We regularly serve customers from the following communities:
Whether you're in Franklin County, Hart County, Stephens County, Banks County, Jackson County, or across the border in Anderson County, Oconee County, SC — we're worth the drive. Our in-house financing program is designed to help working families get reliable transportation without the red tape of traditional lenders.
If you're searching for a buy here pay here dealer near Commerce, GA, a no credit check car lot in Toccoa, or in-house financing in the Hartwell area — J & S Auto Brokers is the answer. We've helped hundreds of customers across the region get into quality, inspected vehicles with payment plans that fit their budget.
Stop by our lot at 13208 Jones Street, Lavonia, GA 30553 or call us at (706) 356-1508. We're open Monday through Friday 9 AM to 5 PM and Saturday 9 AM to 12 PM.
