Lease Here Pay Here


Customized Auto Financing for Indianapolis Car Buyers

At Ray Skillman Northeast Kia, we are happy to be a dealership that offers simplified Lease Here Pay Here financing for Indianapolis-area drivers. In Greenwood, we’re known for our ability to take the worry out of paying for your next vehicle. And Carmel drivers also know just how focused we are on getting your payment right where you want it.

Our auto financing department works hard to find the most flexible solutions for all types of buyers. No matter your budget or credit history, Ray Skillman’s Lease Here Pay Here options allow our financing team to create a custom lease package for you. We have no doubt you will be able to find the perfect vehicle to suit your needs within our expansive selection of Kia models, as well as our collection of high-quality pre-owned vehicles, including versatile Toyota models, the time-tested ruggedness of Jeep, and even the superb luxury performance of BMW.

What Does Lease Here Pay Here Financing Mean?

Ray Skillman Northeast Kia, like most other dealerships, works with many local and national lenders to be able to provide automotive loans to people who require financing when buying a new car.

You may be familiar with our old Buy Here Pay Here program, which extended financing directly to you without a third-party lender. However, we believe our innovative Lease Here Pay Here option better serves our neighbors in Greenwood and Carmel, as well as drivers right here in Indianapolis. Here’s why:

  • You have a wide variety of late-model vehicle options
  • You aren’t financing the entire price of the car, so your monthly payments are much smaller
  • Leasing puts you in a newer vehicle every 2-3 years

Thanks to our high level of versatility, we can offer options to buyers who may not be able to get financing through traditional methods due to poor credit or no credit history at all. Our Lease Here Pay Here plans are all handled in-house, making it a quick and easy process to get approved and on your way with your new car.

Bad Credit or No Credit? No Problem!

Past problems shouldn’t prevent you from driving a nice vehicle with updated features. An auto loan is a great way to rebuild or establish credit, but sometimes it’s difficult to find a dealership that will help you find a loan for which you qualify. At Ray Skillman Northeast Kia, we strive to help all of our customers with their financing needs, and that’s why we offer our Lease Here Pay Here financing options.

We report your payments to credit tracking agencies. All those on-time payments boost your score—another great way to get your credit history back on track.

Here’s What You Need to Get Started

Contact a member of the finance department today to find out more about the Lease Here Pay Here options that are available to you. Applying for an in-house lease is easy. Just bring:

  • A valid driver’s license
  • A recent pay stub
  • A recent utility bill
  • The title to your old car (if you plan to trade it in)

The finance team at Ray Skillman Northeast Kia will take it from there. We look forward to seeing you at our showroom soon!