In-house financing · Route 63, Wayland NY
Quality pre-owned vehicles in Wayland, New York
Every vehicle goes up on the lift before it goes up for sale, and the financing is written in-house — weekly payments at 15% APR, no bank in the middle.
On the lot now
A lot this size can’t afford a bad car. Matt has to see the same people at the hardware store on Saturday — so what’s wrong with a vehicle goes on the listing, not in the glovebox.
- Inspection notes published
- No doc fee, no prep fee
- Prices are the price
How buying a car here goes
Matt buys it
Local trades and clean private-party cars, bought one at a time. Nothing comes off an auction lane sight-unseen, which is why the lot is small and why it changes.
It goes up on the lift
Brakes, suspension, fluids, tyres, underside. What we find gets fixed or gets written down on the listing — including the scratches and the stone chips.
You pay us, weekly
The financing is ours, not a bank's. You and Matt agree a down payment and a weekly number at 15% APR, and that's the deal — no credit committee, no third party to call.
Come and look
We’re on Route 63, a few minutes off I-390.
Call or text Matt to set a time to come look.It’s a small lot and a one-man operation, so a call first saves you the trip if he’s out collecting a car.
People drive in from
Wayland / Dansville / Hornell / Bath / Springwater / Cohocton / Naples
Work out a payment
What would this cost me a week?
Move the sliders. The arithmetic is the same arithmetic Matt uses when he writes the contract — 15% APR on whatever is left after your down payment.
Which way to move them
- More down
- Smaller weekly payment, and less interest overall, because there is less left to charge it on.
- Shorter term
- Bigger weekly payment, but noticeably less interest by the end. Pay it off early and it drops again.
Estimated payment
$124a week
- Amount financed
- $6,000
- Rate
- 15% APR
- Interest over the term
- $470
- Total you'd pay
- $7,948
An estimate, not an offer of credit. Tax, title and registration are on top, and the down payment on any particular car is something you and Matt Horne agree.
Already dealing with us
An account that shows where things stand.
A car you sent in for an offer, work in progress, quotes and invoices — all in one place. Payment plans are written at the lot, so for a payoff figure call Matt and he has it in front of him.
Selling something
We buy clean, honest vehicles — cash, no consignment.
Send photos and the mileage and Matt will tell you what he can pay. If you’d rather put it toward something on the lot, that works too.
