Frequently Asked Questions

Buying a Car & Buy Here Pay Here Financing

1. What is Buy Here Pay Here car financing?

Buy Here Pay Here (BHPH) financing allows you to purchase and finance your vehicle directly through the dealership instead of obtaining financing through a traditional bank or outside lender. At Combs Car Corral in Nampa, Idaho, our in-house financing team handles the buying and financing process in one convenient location. This makes it easier to explore used car financing options and get behind the wheel of a vehicle that fits your needs and budget.

2. Can I buy a car with bad credit?

Absolutely! Combs Car Corral offers bad credit auto financing in Nampa, Idaho, for customers who may have difficulty getting approved through traditional banks or lenders. A less-than-perfect credit history doesn't automatically mean you can't get a vehicle. Our in-house financing options are designed to help more people find dependable transportation.

3. Can I get a car with no credit history?

Yes! You don't necessarily need an established credit history to explore financing options at Combs Car Corral. Our Buy Here Pay Here dealership works with customers who have little or no credit history. We focus on understanding your individual financial situation and helping you explore available options. We also help first time car buyers! This is a great way to start building your credit profile!

4. Do you offer no credit check car financing?

Yes! Combs Car Corral NEVER checks credit scores! Instead of requiring a traditional credit bureau inquiry, our in-house financing team evaluates your application directly. This gives customers who have been turned down by traditional lenders another opportunity to purchase a used vehicle.

5. How quickly can I get approved for a car?

Combs Car Corral offers same-day financing decisions! Because we handle financing in-house, you don't have to wait for an outside bank or lender to review your application. Our team works directly with you to make the process as simple and convenient as possible.

Down Payments & Financing Requirements

6. How much money do I need for a down payment?

Your down payment will depend on the vehicle you choose and your individual financial situation. At Combs Car Corral, our team will work with you to review available vehicles and financing options that fit your budget. 

7. What do I need to qualify for in-house auto financing?

Our financing team will work with you to understand your financial situation. Employment and income information will help us evaluate your application. We will need the last 30 days of proof of income as well as proof of residency. 

8. Can I get approved for a car if I've been turned down by a bank?

Yes! That's one of the benefits of shopping at a Buy Here Pay Here dealership. Combs Car Corral provides in-house financing, meaning your application is handled directly by our dealership instead of being sent to an outside bank. We encourage customers who have experienced financing challenges to come talk with our team.

9. Do I need a cosigner to finance a used car?

A cosigner may not be necessary. Because Combs Car Corral offers in-house auto financing, we can discuss your individual situation and available financing options with you. A co-signer may be required in some situations. Contact our team to learn more.

10. Can I finance a car if I'm self-employed?

Self-employed customers are welcome to discuss financing options with our team. Your income and financial situation can be reviewed as part of the application process. 

Used Cars, Trucks & SUVs

11. What types of used vehicles does Combs Car Corral sell?

Combs Car Corral offers a rotating selection of used cars, trucks, and SUVs in Nampa, Idaho. Whether you're looking for a dependable daily driver, a family SUV, or a work truck, we encourage you to browse our current inventory to see what's available.

12. Can I test drive a vehicle before purchasing?

Yes! We encourage customers to visit our dealership, explore our available used cars, and speak with our team about scheduling a test drive.

13. Do you accept trade-ins?

Yes! Combs Car Corral offers trade-in evaluations at our Nampa dealership. You can bring your current vehicle in, and our team can evaluate your trade-in during your visit.

14. Can I trade in a vehicle that I still owe money on?

If you still have an outstanding loan on your current vehicle, contact our team to discuss your trade-in options. We'll help you understand the information needed to evaluate your vehicle.

15. Are your used cars inspected before being sold?

We evaluate vehicles before they are added to our inventory. If you have questions about a specific vehicle's condition, history, or inspection, our team will be happy to discuss it with you.

16. Are warranties available for your vehicles?

Combs Car Corral does not offer warranties and all vehicles are sold as-is. However, we do offer a 6 month power train service contract. This helps with major repairs to the engine and transmission. Parts are sold at wholesale value, labor is billed at $99/ hour that can be financed interest free for 90 days. We also offer a free loaner vehicle to drive while our shop works on your car!*
* See service page for more details.

Payments & After Purchase

17. How do I make my car payments?

Combs Car Corral provides in-house financing, we are the bank! Our banks name is Eclipse Financial. Forms of payments we accept are all major card providers, cash, money orders, or cashiers checks. We no longer accept personal checks. You can call 208-465-0048 to make a payment over the phone for no extra fees or visit us in store! We do not offer auto pay or an online portal at this time. 

18. Can I pay off my car loan early?

Yes! We offer simple interest financing which means there is no early payoff penalties!

19. What happens if I have trouble making a car payment?

We understand that life happens. If you're experiencing difficulty making a payment, we encourage you to contact Combs Car Corral/ Eclipse Financial as soon as possible. Our team can discuss your situation and explain the options available under your financing agreement.