Ray's Motor Sales
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Ray's Motor Sales
Ray's Motor Sales is a family owned and operated buy here pay here used car dealership in beautiful downtown Lake Wales, FL. That's over 55 years of serving the transportation and financing needs of Lake Wales and the Polk County area. We proudly offer financing to credit challenged customers, or put another way, good people with bad credit.

We are Lake Wales' longest serving buy here pay here dealership, and one of the longest serving in all of Central Florida. Our used car dealership serves customers in Lake Wales, Frostproof, Winter Haven, Auburndale, Dundee, Waverly, Haines City, Davenport, Four Corners, Poinciana, Kissimmee, Lakeland, Bartow, Mulberry and all of Polk County.
Services
By clicking "Apply Now", you are well on your way to getting approved at Ray's Motor Sales! You consent to be contacted by Ray's Motor Sales and other parties via telephone, email and text message. If you'd prefer to not be contacted by text message, please reply no to our opt-in text that will be sent to your phone.
Yes, we are! We know that sometimes bad things happen - that doesn't mean that you shouldn't be able to drive a quality, dependable vehicle regardless. We have helped customers obtain financing at our Buy Here Pay Here Dealership for over 50 years, and we can help you, too! Contact us today to inquire about our financing.
At Ray's Motor Sales, every vehicle we sell comes with a 3 Month/3,000 Mile Limited Warranty (whichever comes first). If a covered warranty item needs to be repaired within the covered time/mileage, we will fix it for you at no cost to you. Additionally, some vehicles we offer may have manufacturer's warranty remaining.
If there's one thing for certain in life, it's life is going to happen. And it rarely happens at a good time. In the event of a total loss, the insurance company pays off what they determine the value of the vehicle to be at the time of loss. They look to pay as little as possible, regardless of what your remaining value is.
This option allows you to use Visa, Mastercard, and Discover. If you are making a payment on an account on behalf of the customer, please indicate on the next page in the "Notes" section who you are paying for, otherwise we will not know who's account to credit. Also, please make sure to use the zip code that your bank has on file for the billing zip code.
Reviews (10)
Nelson Roman
Nelson Roman
Jan 04, 2022
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Matt and Rick were awesome, very polite and professional. I am recommending everyone I know to Rays!
Jojo Lexus
Jojo Lexus
Aug 26, 2021
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I’m so happy my son and I decided to come to Ray’s auto shop, both Ray and Mat, was very helpful took time to explain how and what my son should be looking for when buying a vehicle, Mat text him constantly guiding him through his first experience…Thank You so much for making this process so easy…can’t wait to bring my daughter
Gabriel Roper
Gabriel Roper
Aug 24, 2021
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Got it a great car from here that lasted me years. Definitely trustable and great prices.
Kandi S.
Kandi S.
May 30, 2021
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My Family Has Always Been Customers in years before with Rays all the way back in the 80's-90's I remember My grandmother's Station wagon, My mom and dad's Buick Somerset this place Is highly recommended Family owned business. Everything explained to you so you are not confused they are warm and welcoming people thank you ☺️ for staying around and hope to do more business with you in the future.
Kareen Colon
Kareen Colon
Apr 26, 2021
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Matt and the Team was amazing today , I started the process via text message and went over just to sign papers didn’t spend a lot of time . Great experience and great costumer service. I appreciate all of you
Teresa Henderson
Teresa Henderson
Feb 26, 2021
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The friendliest staff who walked me through getting a car with as little stress as possible. I highly recommend Ray's Motor Sales if your looking for buying an affordable vehicle.
Christy Dawn Edler
Christy Dawn Edler
Feb 05, 2021
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Excellent customer service. Purchased our 2nd vehicle from them today. The 1st one still runs excellent.
Charlene Denise Norwood
Charlene Denise Norwood
Feb 02, 2021
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I felt just like family! The process was quick and staff was very professional and extremely friendly.
Matthew Kelly
Matthew Kelly
Oct 13, 2020
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Great service all around. Really appreciate the efficient process and quality vehicle they turn out.
Tink B.
Tink B.
Jul 14, 2017
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Super great people!
Love spending my money in my own town with people that grew up here and have an investment in making the town great.