The First Car Program Engineered So You Actually Keep Your Vehicle.
Too many buy-here-pay-here lots sell worn-out cars with large monthly bills and little support when something goes wrong. Our Lease to Own program is built to help you keep your car: powertrain warranty coverage, payments scheduled around your payday, free 90-day service, and a $100 title buyout when your agreement is complete.
Approval, payment amounts and terms depend on credit review, verification and your signed agreement. Ownership transfers after all scheduled payments are made.
Powertrain protection
Cars Protection Plus powertrain warranty included
Payday sync
Weekly, biweekly or monthly schedules set around your paycheck
Free 90-day service
Scheduled checkups at our Fredericksburg location
$100 title buyout
Clear title once your scheduled payments are complete
Rideshare vs. ownership
Slide your daily rideshare spending. Compare where that money goes with an illustrative path to owning your own vehicle.
What do you spend on Uber / Lyft per day?
$28.00 / day
The rideshare money pit
Cash spent on rides. At the end, you don't own a vehicle.
My Car Lease to Own
Based on a $10,000 vehicle — change it in the package calculator below.
After 14 months: rideshare spending $11,760; paid toward the car $13,724; estimated vehicle value $8,273; estimated equity $8,273.
Illustrative, nonbinding estimates based on reference program assumptions — not an offer of credit, an APR, or a disclosure. Actual down payment, payment amount, term and total cost are set only in your approved, signed agreement and depend on the vehicle, credit review and verification. Taxes, title, registration and fees are not included.
Why traditional BHPH fails
We looked at the most common reasons buy-here-pay-here customers fall behind, and built a safeguard for each one.
Many dealers sell cars "as-is." When an alternator or transmission fails a few months in, the repair and the car payment compete for the same paycheck — and the car sits.
Mechanical breakdown protection
“We help keep it running.”
A single large payment due on the 1st doesn't line up with a paycheck that lands on the 8th. Overdraft fees snowball into missed payments.
Payday payment synchronization
“Pay when you get paid.”
When coverage lapses, some lenders add force-placed insurance that can double a payment overnight.
Insurance stability
“Clear insurance requirements, no hidden markups.”
Stretching a high-interest loan over 60–72 months can leave you owing far more than the car is worth.
Shorter payoff structure
“A path to a clear Virginia title in about a year.”
Some lots send a tow truck with little warning when a payment is a few days late, leaving families stranded and facing recovery fees.
Emergency mobility protection
“Communication first.”
We built the program around the reasons customers fall behind: unexpected repairs and payment dates that don't match paydays.
Choose your structure
Every package includes the Cars Protection Plus powertrain warranty, free 90-day maintenance, and a $100 title buyout when your scheduled payments are complete.
Vehicle value
$10,000
For salaried households and those with steady 30-day budgeting.
Down payment
$3,000
30% of the vehicle value, paid up front
$650 / month
14 monthly installments
Payments scheduled to follow your biweekly direct deposit.
Down payment
$2,000
20% of the vehicle value, paid up front
$440 / 2 weeks
24 biweekly installments (about 11 months)
For 1099 contractors, gig workers and weekly paycheck earners.
Down payment
$1,000
10% of the vehicle value, $1,000 minimum
$263 / week
48 weekly installments (about 11 months)
Illustrative, nonbinding estimates based on reference program assumptions — not an offer of credit, an APR, or a disclosure. Actual down payment, payment amount, term and total cost are set only in your approved, signed agreement and depend on the vehicle, credit review and verification. Taxes, title, registration and fees are not included.
The mechanical fortress
Every 90 days, bring your vehicle to 4720 Harrison Rd, Fredericksburg, VA 22408. Select a component to see what we look at.
Your path to the keys
Apply online, upload your documents, review your agreements, and pick up your keys in Fredericksburg.
Pick $1,000, $2,000 or $3,000 down (reference) based on your budget and pay schedule.
Upload your ID, 30-day paystub, bank statement, insurance and ACH authorization securely.
Review your Virginia lease-to-own agreements and sign electronically once they're ready.
Drive away with Cars Protection Plus powertrain coverage and free 90-day service.