Maruti Auto Sales

Maruti Auto Sales East Brunswick, NJ

Call (732) 360-8771 Text (732) 853-3731

Used car financing

Car Financing and Buy Here Pay Here in East Brunswick, NJ

Getting approved for a used car should not feel like a fight. Maruti Auto Sales works to get everyone approved, from strong credit to none at all, through outside lenders and, on selected cars, buy here pay here. The team that took over in 2025 runs on one rule: no games, no bait and switch.

Apply Online Pre-qualify with Capital One

Accredited Business, A+ rating, Better Business Bureau. Opens the BBB profile for Maruti Auto Sales.

  • Lender financing, and in-house on selected cars

    We work with Capital One, Westlake Financial and Lendbuzz to finance used cars. On selected cars, Maruti can also finance the deal directly through buy here pay here. That is decided case by case, so it is not on every car and it is never a given. Call (732) 360-8771 and we will walk you through your options for the car you want.

  • Bad credit, no credit, a second chance

    We work with customers across a wide range of credit situations, including ITIN applicants and buyers with a past bankruptcy, a repossession, limited credit or no established credit. We look at where you stand today, not only what a report said about last year. Approval and terms depend on your application, the lender, the vehicle and how the deal is structured.

  • Know where you stand before you visit

    Get pre-qualified with Capital One (no impact to your credit score). It uses a soft credit check and comes back with an estimated rate and payment. Those are estimates: taxes, fees, what you put down, the vehicle and the final financing terms can all change them. Pre-qualifying is not a final approval.

  • The $499 promise

    Price includes dealer fee. Tax and DMV excluded. That fee is $499 on every car here, with no surprise add-ons at signing. The number you see is the number we work from.

How does buy here pay here work?

  1. 01

    Apply online or in person. Credit is checked, the same as for any loan.

  2. 02

    Ask which cars in our current inventory can be financed in-house. It is offered on selected cars, case by case.

  3. 03

    If the deal works, sign with clear numbers, drive home, and make your payments to us.

Questions before you apply

Is buy here pay here the same as in-house financing?
Here, yes. Both mean Maruti finances the car itself instead of an outside lender, and you make your payments to us. We offer it on selected cars only, case by case. Credit is still checked, and payments on our own in-house financing are not reported to the credit bureaus.
Can I get financed with bad credit?
Yes, you can apply. All credit is welcome here, including bad credit, no credit, and past credit problems.
Can I apply with an ITIN?
Yes, we work with ITIN applicants. If you are not sure how to fill in the form, call (732) 360-8771 first.
Do you offer no-credit-check financing?
No. We check credit on every application, but a low score or no credit history will not automatically disqualify you.
Will pre-qualifying hurt my credit score?
No, it is a soft credit check. Get pre-qualified with Capital One (no impact to your credit score).
How much do I need to put down?
There is no single minimum. Down payment requirements vary by applicant, lender, vehicle and deal structure. The application has a place for your down payment and any trade-in, so we start from what you have. For a straight answer on a specific car, call (732) 360-8771.

Start your approval today

Call (732) 360-8771, apply online below, or stop by our lot on Route 18 behind Midas in East Brunswick. You can also browse our inventory or start with used cars under $10,000 to find your car first.

The form takes a few minutes. Have your Social Security number and date of birth ready, along with your address, how long you have lived there, and your monthly rent or mortgage. You will also need your employer's name and phone number, your job title, your monthly gross income and how long you have worked there. Trading in a car? Have its details handy too. Buying with someone? Add them on the Co-Buyer tab. Then send the form, and we start working on your approval.

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