Everything you need to know about buying a used car at Auto Republic in Orlando and Kissimmee, FL.
The process is straightforward. Browse our online inventory or visit one of our two lots — Orlando on West Colonial Drive or Kissimmee on US-192. Pick the vehicle you want, complete a short financing application, and drive home the same day. Most customers are in and out in under two hours.
We handle everything in-house: financing, paperwork, and even temporary tags. No need to visit a bank or DMV before driving.
Yes. Auto Republic specializes in bad credit, no credit, and second-chance financing. We work with over 20 lenders who focus on Central Florida buyers with credit scores as low as 500, recent repossessions, or past bankruptcies.
We also offer Buy Here Pay Here options at both locations, which means we finance the vehicle directly — no third-party lender involved. This is the easiest path to approval for buyers with very low credit or no credit history.
Buy Here Pay Here (BHPH) means the dealership acts as the lender. Instead of a bank approving your loan, Auto Republic approves it directly and you make payments to us. This removes most credit requirements.
BHPH is ideal if you have been turned down multiple times, have no credit history, or recently went through a bankruptcy or repossession. Interest rates may be higher than traditional financing, but approval rates are much higher too.
Down payment requirements vary by vehicle and financing type. For traditional financing through our bank network, down payments typically start at $500-$1,000 depending on the vehicle price and your credit profile.
For Buy Here Pay Here, down payments are usually $500-$2,500. We offer down payment specials regularly — check our current promotions for vehicles available with low down payment options. We also accept trade-ins as part or all of your down payment.
Absolutely. We accept trade-ins at both our Orlando and Kissimmee locations. Bring your vehicle in and our team will give you a same-day appraisal. If you still owe money on it, we will work the payoff into your new deal.
Trade-in value depends on the year, make, model, mileage, and condition of your vehicle. Having a clean title speeds up the process, but we can work with vehicles that have liens as long as there is equity.
To purchase a vehicle at Auto Republic, bring the following:
If you are trading in a vehicle, also bring the title, registration, and any payoff information from your lender.
Yes, in many cases we can work with negative equity situations. Negative equity means you owe more on your current car than it is worth. We will roll the difference into your new loan when possible, though this affects your monthly payment and total loan amount.
Not every deal with negative equity will work — it depends on the value of the vehicle you are buying and your financing terms. Our team will be upfront with you about whether it makes sense for your situation.
Pre-approval online takes about 60 seconds. Our finance team reviews your application and typically responds within a few hours during business hours. When you come into the dealership, full approval and paperwork usually takes 30-60 minutes.
BHPH approvals are often faster because we are the lender — there is no waiting on a third-party bank. Same-day driving is common for both financing types.
All vehicles sold at Auto Republic go through a multi-point inspection before being listed for sale. We disclose known issues upfront. Many of our vehicles qualify for extended warranty coverage, which we can discuss during your purchase.
Florida law provides some protections for used car buyers. We recommend reviewing any warranty documentation carefully and asking our team about what coverage is included with each specific vehicle.
Yes. Auto Republic serves customers from all across Central Florida, including Clermont, Sanford, Deltona, St. Cloud, Poinciana, Apopka, Winter Garden, Daytona Beach, and surrounding areas. Many customers drive 45-60 minutes to reach us because of our financing options and inventory selection.
If you cannot make it to one of our lots, you can complete most of the process online — browse inventory, apply for financing, and even get pre-approved — then come in just to finalize paperwork and pick up your vehicle.
Apply online in 60 seconds. Our team contacts you same day.