RAR AUTO SALES · PHOENIX, ARIZONA
If your credit history makes car shopping feel uncertain, start with clear information about the application process and what to prepare.
Can I discuss financing if I have credit challenges?
Yes. Contact RAR Auto Sales to discuss an in-house financing application and the documents needed for review. We cannot promise approval or specific terms before reviewing your application and the vehicle. Our goal is to explain the next steps clearly so you can make an informed decision.
A useful first step: prepare your documents
We require at least six months of work history, proof of address, and an Arizona driver license or state ID. Bring your two most recent pay stubs showing year-to-date income. Additional documentation may be needed depending on your situation.
See the detailed document checklistWhat if I recently changed jobs?
Current and previous work history can be combined when the gap is no more than three months. Bring your last pay stub from the previous job along with your current pay stubs. Our team will review the documentation; meeting a document requirement does not by itself guarantee financing approval.
How should I choose a vehicle?
Start with the space and features you need, then consider a comfortable overall budget. Review the proposed vehicle price, down payment, payment schedule, insurance cost, and financing terms together. A vehicle that meets your everyday needs matters more than choosing by down payment alone.
Understand the down payment
Vehicles start at $1,000 down on select vehicles. Down payment and financing terms depend on the vehicle and approved application.
Read the offer detailsKnow the next steps
Apply, provide the requested documents, and discuss available options with our team. Full coverage insurance is required before delivery of a financed vehicle.
Review the financing processTalk to a local team
Visit RAR Auto Sales at 101 N 35th Ave in Phoenix, Monday through Friday, 9am to 5pm, or call 602-218-5447. Please use our financing application for personal application details, rather than sending sensitive documents through a general inquiry.
Information reviewed November 2026. Contact our team to confirm current vehicle availability and application requirements.
