Do you check credit at Holmes Motors?

No, Holmes Motors does not use traditional credit scores for approval. We offer fair financing for all with approval regardless of credit history.

What do I need to get approved for a car?

You need a valid driver's license, proof of income (2 recent pay stubs), proof of residence, and references. No credit check required.

Down payments start as low as $2000 and vary based on the vehicle you choose. We work with your budget to find affordable options.

Every vehicle includes FREE GAP coverage, a service agreement for the life of the lease, and our low money factor.

Yes! Holmes Motors offers a unique turn-in option where you can return your vehicle and walk away from your loan if your circumstances change.

We have 4 convenient locations: D'Iberville MS, Montgomery AL, Birmingham AL, and Douglasville GA to serve the Southeast.

More Reasons to Give Thanks

Premium financing for everyone. Same great deal for everybody. Fair, transparent, and flexible.

Less worry. More possibility.

Our in-house financing keeps things simple. Start with four requirements, and take the next step toward your next vehicle.

*See application for location-specific eligibility requirements.

Military veterans qualify for $500 off.

The Holmes difference

Car buying made easy, fair and transparent, whether you have good, bad or no credit.

Quality-inspected vehicles
Every vehicle is inspected by our experienced mechanics for safety and reliability.
Free service agreement
Valued at over $2,000 and lasting for the life of your loan.
GAP coverage included
A $850+ value on every vehicle, covering the difference if your car is totaled or stolen.
Upgrade anytime
Family grew? Need a truck? Upgrade with no hassle and no long-term lock-ins.