All applications are accepted and we'll offer you on the spot payment options regardless of good or bad credit.  By combining the used car buying and financing processes, we make your purchase quick and convenient.  Ask about our ZERO DOWNPAYMENT PLAN at paylessfinance@paylesscarsonline.com. Whether you make your payments "in house" or at one of the many banks, credit unions or finance companies available through Payless, you may buy with confidence we have found the right payment plan for you!