Your future.
Not your credit score.
Buy here, pay here means financing directly with Kyng’s. All credit profiles are welcome—approval is based on verified income and our program requirements.
$3,000 down
The same required down payment for every client.
3, 5 or 7 years
36, 60 or 84 predictable monthly payment dates.
Monthly ACH
Automatic bank payments for the entire loan term.
One rate policy
A uniform interest rate across clients, not credit-based tiers.
The income.
The opportunity.
Your verified monthly direct-deposited income needs to be at least three times your monthly vehicle payment.
$500 monthly payment × 3$1,500 minimum monthly income
Example only. Not an advertised vehicle payment or loan offer.Here’s what you’ll need.
Verified income directly deposited into your bank account.
A $3,000 down payment.
Automatic monthly ACH payments for the full term.
A payment that fits your life.
Start with your monthly direct-deposited income.
This is an income guideline, not a loan quote. Your verified direct-deposited income must be at least 3× your payment. A 5-year term means 60 monthly payments; actual payment depends on vehicle price, interest, taxes and fees. Rate to be provided.
Explore My OptionsSame policy. No guesswork.
Our interest-rate policy is uniform across clients. The actual rate has not yet been announced, so we don’t publish estimated loan payments or invent an APR.
Before any agreement, you’ll receive the vehicle price, interest rate, APR, finance charge, taxes and fees, payment schedule, and full loan disclosures. A longer term increases the number of payments and may increase the total cost of borrowing. This website does not approve a loan, collect bank credentials, or authorize ACH payments.
Ask away.
We’re listening.
Every good decision starts with clear information.
Your credit history doesn’t define your opportunity here. All credit profiles are welcome. Approval depends on verification of directly deposited income of at least three times your monthly payment, the $3,000 down payment and the program’s payment requirements.
Every client is required to make a $3,000 down payment. Vehicle price, taxes, fees, interest and full financing disclosures will be provided before you sign a loan agreement.
Your documented monthly income must be directly deposited into your bank account and equal at least three times your monthly payment. For example, a $500 monthly payment requires at least $1,500 in verified monthly direct-deposited income. This example is not a loan offer.
Choose from 3-year, 5-year or 7-year terms: 36, 60 or 84 monthly payments. Actual payment amounts will be based on the vehicle and the final loan disclosures.
Automatic monthly ACH payments are a program requirement for the entire loan term. No bank account information or ACH authorization is collected on this website. Payment setup and final authorizations will be handled separately before a loan begins.
Kyng’s uses a uniform interest-rate policy across clients rather than a credit-based rate. The actual rate has not yet been announced. Your rate, APR, finance charge and complete repayment details will be disclosed before any agreement.
We’re based in South Carolina. Our permanent location and verified vehicle inventory are coming soon. The vehicle-category images on this site are illustrative, not available vehicles. Send an inquiry to connect with the team.
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