Ray — Skillman Buy Here

Ray Skillman offers two primary in-house options to help drivers rebuild credit through monthly reporting to major bureaus.

The Ray Skillman (BHPH) program is an in-house financing service designed for individuals with poor or no credit history. Instead of using third-party banks, the dealership lends its own capital to customers, making approval easier based on income and residency rather than just a credit score. Core Programs and Financing ray skillman buy here

: A traditional in-house loan where you purchase the vehicle directly from the dealer. These are typically short-term loans, often 2–3 years, aimed at helping you pay off the car quickly and move toward conventional financing. Ray Skillman offers two primary in-house options to