Auto City in Brooklyn and Auto Expo in Huntington are among the car dealerships in New York that offer a financing option that does not require a credit check, as of 2016. In some cases, approval is given without the need for pay stubs or a down payment.
Dealerships that offer financing without a credit check are sometimes known as "buy here, pay here" lots. These dealerships often issue approval based on a minimum monthly income and verification of home address. Dealerships such as Auto Expo provide in-house financing options that do not require giving a Social Security number or having a driver's license. They also work with borrowers that have undergone bankruptcy. In situations where income verification is not required, some dealerships require a substantial down payment.