When it comes to getting a vehicle, not everyone fits neatly into the traditional financing box. That’s where Lease Here, Pay Here shines — especially at Cars To Go, where we don’t just help you get behind the wheel, we help you stay there, with better options and real results.
Let’s break it down.
🚗 What Is Lease Here, Pay Here?
Lease Here, Pay Here (LHPH) is a type of in-house leasing program for customers who might not qualify for traditional auto loans. Instead of going through a bank or lender, you lease directly through us, and make your payments directly to us as well. No middlemen. No waiting on big banks to give you a chance.
This setup is especially helpful for customers who:
- Have little or no credit
- Have had credit hiccups in the past
- Need a vehicle ASAP
- Want a local, flexible, and personalized experience
💳 Build Credit While You Drive
One of the biggest misconceptions is that leasing won’t help your credit. Not true here.
At Cars To Go, your lease payments are reported to the credit bureaus. That means every on-time payment is a step toward better credit. And unlike some lenders who only report negatives, we make sure your good payment history works for you.
🔄 Our Annual Upgrade Program — No More Negative Equity
Let’s talk about one of the most exciting perks of our lease program: the Annual Upgrade Option.
Every year, you’re eligible to upgrade your vehicle without rolling over any negative equity.
Wait, what does that mean?
With most traditional loans, if your car depreciates faster than you pay it down (which is super common), you’re “upside down” — meaning you owe more than the car is worth. If you want to trade it in early, that leftover balance rolls into the next loan. That’s called negative equity, and it can snowball fast.
We don’t do that.
Instead:
✅ You bring your lease current
✅ You choose a new vehicle
✅ We mark your lease as PAID IN FULL on all your credit reports
✅ You start fresh, no baggage
It’s like a do-over, every year — but instead of hiding your past, you’re building your future.
👏 Why Our Customers Love It
Our customers love this system because it:
- Keeps payments manageable
- Offers flexibility as life changes
- Builds a positive payment history year after year
- Never traps them in a long-term, high-interest loan
- Makes it easy to switch cars as needs change
We’ve seen families go from needing a small commuter car to upgrading into an SUV after having a baby — all while improving their credit and never carrying over debt from the old car.
❤️ Real People. Real Progress.
We believe in second chances. Third chances, even. Life is unpredictable, and we get that. Our Lease Here, Pay Here program isn’t just about cars — it’s about helping people move forward.
Want to see if this could work for you?
📍 Stop by Cars To Go
📞 Call us at 765-448-1500
💻 Or check us out online at www.carstogo.org
Let us help you get in the driver’s seat — of a car and your credit.