Flexible Buy Here Pay Here Financing in Eugene, Oregon
Need to Get Financing?
Buying a car doesn’t have to be complicated — or stressful. At Neill’s Wheels, we’ve simplified the financing process so that people from all walks of life can Get Pre-Approved, even if they’ve had trouble getting financed elsewhere. Whether you’re dealing with bad credit, no credit, or you’re just starting fresh, our in-house Buy Here Pay Here financing program was built for you.As one of the largest BHPH dealerships in Lane County, we don’t rely on third-party banks or outside lenders. We finance directly through our dealership, which gives us the freedom to say “yes” when others say no. When you apply with us, you’re not just another number — you’re our neighbor, and we’ll work hard to get you into a reliable vehicle that fits your life and your budget.
How Our In-House Financing Works
Our financing process is built around speed, flexibility, and simplicity. There are no lengthy bank forms, no hard credit checks to start, and no judgment. First, you’ll fill out a short Pre-Approved form (online or in person). Once we review your basic information — including your income and ID — we’ll help you select a vehicle that fits your monthly budget. Because we lend in-house, most customers drive away the same day. We’ve been doing this since 2010, and we’ve fine-tuned the process to meet the real-world needs of Eugene-area buyers.
What Makes Our Program Different
Our customers often tell us they were surprised by how easy it was to Get pre-approved. That’s because we’ve eliminated most of the roadblocks that traditional lenders put in your way. Here are just a few things that make our Buy Here Pay Here financing unique:
- ID accepted — no driver’s license needed to apply
- In-house decision making — no waiting for bank Pre-Approved
- Real flexibility — we work with your income, not just your credit score
We’ve helped first-time buyers, CNAs, loggers, and local families get reliable transportation — even after being turned down elsewhere. And we can help you too.
Our goal isn’t just to sell a car. It’s to build trust and help people move forward.
Want to see if you qualify? Start your Pre-Approved now.
What You’ll Need to Bring
To get started, we’ll need a few basics. We keep it light, but complete enough to protect both parties and ensure a successful financing experience. Here’s what you’ll typically need:
- State-issued ID or valid driver’s license
- Recent pay stub or income documentation
- Proof of address (such as a utility bill or lease agreement)
If you don’t have one of these, don’t stress — call us at (541) 321-0227. We may still be able to work with you.
Once approved, you’ll select your vehicle and discuss a payment plan that fits your schedule. Many of our buyers choose bi-weekly or monthly payments, and we offer multiple ways to make payments easily.
Financing FAQs
No. We specialize in helping people with bad credit, no credit, or limited credit histories. Our Pre-Approved is based more on your income and stability than your credit score.
That’s okay! We can accept a valid state-issued ID in place of a license. You’ll still be able to buy and finance a vehicle with us.
Most customers are Pre-Approved within the same day, and many drive away within hours of applying.
Let’s Get You Driving
When other dealerships say no, we find a way to say yes. Neill’s Wheels is here to help you drive a dependable, affordable vehicle — no matter your situation. We’ve been helping people just like you across Eugene and Lane County since 2010, and we’re ready when you are. Start with our simple Pre-Approved form or visit us today to meet with our team in person. It’s easier than you think — and just one step can change everything.