About Our No Credit Check Program:
OUT OF STATE RESIDENTS: Currently, our no credit check lease to own program is ONLY available to customers licensed in MARYLAND & PENNSYLVANIA FOR MOTORCYCLES ONLY - ATV'S AND UTV'S ARE ELIGIBLE FOR LEASE TO OWN TO CUSTOMERS IN ALL STATES WITHIN A 250 RADIUS OF OUR DEALERSHIP.
APPROVAL NOTICE: PLEASE NOTE THAT EVEN THOUGH THIS IS A NO CREDIT CHECK PAYMENT OPTION IT DOES NOT GUARANTEE APPROVAL, YOU MUST MEET INCOME GUIDELINES TO BE APPROVED BY THE LEASE COMPANY. ALSO BECAUSE OF THE ECONOMIC IMPACT OF THE PANDEMIC AND THE RESULTING INCREASINGLY STRICT GUIDELINES SET BY FINANCIAL INSTITUTIONS NEW LEASE DEALS ARE BEING HANDLED ON A FIRST COME, FIRST SERVE BASIS AND A CONDITIONAL APPROVAL DOES NOT GUARANTEE THAT YOU WILL BE ABLE TO LEASE A VEHICLE WITH US OR THAT THE BIKE YOU APPLIED FOR WILL BE AVAILABLE BY THE TIME THE DEAL IS APPROVED AND FUNDED. CONDITIONAL APPROVALS ARE GOOD FOR 90 DAYS HOWEVER AND YOU ARE ELIGIBLE ANYTIME DURING THAT PERIOD ONCE APPROVED.
ATV'S AND UTV'S ARE ELIGIBLE FOR THE NO CREDIT CHECK LEASE TO OWN PROGRAM TO CUSTOMERS FROM ALL STATES WITHIN A 250 MILE RADIUS OF THE DEALERSHIP!!!
PLEASE NOTE: NEW GUIDELINES SET BY THE LEASE COMPANIES WE DEAL WITH NOW REQUIRE 30% DOWN OF THE SALE PRICE OF THE VEHICLE REGARDLESS OF INCOME LEVEL
WE NOW OFFER ATTRACTIVE LEASE TO OWN PLANS ON MOST OF OUR QUALITY USED POWER SPORT INVENTORY - NO CREDIT CHECK, NO CREDIT REQUIRED, BAD CREDIT WELCOMED! A REAL WORLD MONTHLY PAYMENT SOLUTION FOR NO & LOW CREDIT, GOOD PAYING CUSTOMERS, INQUIRE FOR MORE INFO? TODAY!
Lease to own program details:
Thank you for your interest in our dealership and using our no credit check program. There is absolutely no credit check at any point throughout the application and approval process. Their approval is strictly based off your debt to income as well as your personal references and employment history. The lease to own company we deal with requires 30% down of the advertised sale price of the vehicle and will go 36 month terms on all of our inventory. They give you the option to pay the bike off early AT ANY TIME with no pre-payment or early payoff fees however you are obligated to 12 months worth of payments if you return the bike. They do not charge any additional fees if you make double payments or pay additional each month only a one time early termination fee equal to one months payment if you return the bike at any time. They require full coverage, $500 deductible insurance to be carried on the vehicle at all times until it is purchased. Call with any other questions 717-515-0064. We look forward to making your dreams a reality and get you riding soon!
If you're interested in the lease to own program please fill out the fields on the online application listed on this page then click the SEND button when completed. There is no message after you click send it will simply clear the form, that is normal and as long as you filled out all necessary fields we will have received it. You may also fill out the ATTACHED INFORMATION SHEET for the no credit check program then scan it and email it back to us if you would prefer. We encourage anyone interested in using our no credit check lease to own program to send in an application as it has no impact on your credit report and we then can have a conditional preapproval on record for you which is good for up to 90 days. You will get an email or phone call from us typically within 48-72 hours with a reply regarding your approval status and for what price range you have been approved for. These are CONDITIONAL approvals and the following documents must be provided to finalize the approval either in person at the dealership or via fax / email. If you plan on purchasing a vehicle through the lease to own program we do not take appointments for vehicle showings until they have sent over a conditional approval for you.
Documents required for final approval at or before lease signing:
- Valid MD or PA drivers license FOR BOTH LESSEE AND CO LESSEE (NO MOTORCYCLE LICENSE REQUIRED)
- Proof of income verifying what was listed on the application
- Checking account info for Direct Debit ACH payments (Voided check or screenshot of account info is required)
- Valid proof of full coverage insurance on the vehicle your purchasing from us (ID CARD AND VERIFICATION OF INSURANCE PAGE)
- Proof of indoor storage for the vehicle (Picture of garage, shed, or receipt for storage unit where the vehicle will be parked) - $500 refundable deposit required if no proof is provided
- Proof of address (utility bill, cell phone bill, mortgage statement, etc.)
- Downpayment (CAN BE MADE PAYABLE IN CASH, MONEY ORDER, CERTIFIED CHECK, CASHAPP OR VENMO - NO PERSONAL CHECKS OR CREDIT OR DEBIT CARDS)
List of initial fees charged for the lease to own program:
- $500 Lease origination fee
- $180 Documentation fee
- Vehicle Acquisition fee (9.5% of sale price)
- $295 GPS Tracker Installation, Unit, and 36 months airtime
- THESE FEES DO NOT INCLUDE THE MONTHLY LEASE CHARGE THAT IS FACTORED INTO THE MONTHLY PAYMENT
****Please note all monthly payments listed on our website for our inventory are based on the average 30% down payment****
***NOTICE TO ALL MD RESIDENTS APPLYING FOR OUR NO CREDIT CHECK PROGRAM - PLEASE VERIFY YOU HAVE NO HOLDS PLACED AGAINST YOUR DRIVERS LICENSE ACCOUNT WITH MVA BECAUSE YOU WILL NOT QUALIFY WITHOUT CLEARING THEM***
***APPROVALS WILL BE SENT TO THE EMAIL ADDRESS YOU LIST - THE LEASE COMPANY DOES NOT CALL, THEY STRICTLY EMAIL, PLEASE ALLOW ADDITIONAL TIME FOR PROCESSING DURING PEAK SEASON AND CHECK EMAIL FOR APPROVAL***