Holmes Motors does things differently. Here's what that actually looks like.
No Credit Check
This is the big one. You don't need a credit check to buy a vehicle through the Holmes Motors program.
Most dealerships build the entire experience around your credit history. We'd rather build it around you, your budget, and finding a vehicle that actually fits your life. No credit, bad credit, or just don't want anyone pulling your file? All good. There's still a path to a vehicle here.
A Free Service Agreement, For As Long As You're Paying
Nobody budgets for a surprise repair bill. With Holmes Motors, you get a free service agreement for the life of your loan, so you're covered against certain repair costs while you're making payments.
Other dealerships sell this as an add-on. We just include it.
Free GAP Coverage Too
GAP coverage protects you if your car is ever worth less than what you still owe on it. Somewhere else, that's another line item tacked onto your total. Here, it's already built into the program at no extra cost.
You're Not Locked In
Things change. Your budget, your job, your family, what you need out of a vehicle, none of it stays the same forever. That's why you can turn in your vehicle at any time and owe nothing, as long as you're within the program's mileage limits and the car isn't damaged. No long-term trap. Just an actual option if your situation shifts.
Ready to Upgrade After Six Months
Make six months of on-time payments and you may qualify to upgrade to something newer or different. As your needs change, your vehicle can change with them.
The Bottom Line
Traditional dealerships tend to center everything on your credit score, a big down payment, and a stack of add-ons that pad the price. We built something different:
- No credit check required
- Free service agreement for the life of the loan
- Free GAP coverage for the life of the loan
- Turn in your vehicle anytime under program terms
- Upgrade eligibility after six months of on-time payments
This approach can save customers $5,000 to $10,000 compared to buying at a traditional dealer.
If you're tired of the usual car buying runaround, stop by your nearest Holmes Motors location. Let's find you something that actually works.