NEXT GEAR REMARKETING · ORLANDO, FL · IN-HOUSE FINANCING
Bad Credit? No Credit? No SSN? We Still Say Yes at Next Gear Remarketing.
In-house financing in Orlando — we approve you here at the store, based on your income, not your credit score. ITIN accepted. No Social Security number required.
Eduardo Nabut · 10+ yrs in Orlando · ITIN Accepted · No SSN Required
PROCESS
How It Works
Tell Us About You
Fill out our simple online application or come by the lot. No credit check required to get started.
We Review In-House
Our team looks at your income and situation — not a credit bureau. Most answers come back the same day.
Pick Your Car, Drive Away
Choose from our in-stock BHPH vehicles, sign at the store, and drive home in your own car.
TRUST
The Next Gear Difference
In-house financing subject to approval based on income and store criteria. Not a guarantee of credit approval.
- ITIN Accepted — No SSN Required
- Approved at the Store, Not by a Credit Bureau
- 10+ Years Serving Orlando Families
- Real People, Real Conversations — Se Habla Español, Nou Pale Kreyòl, Falamos Português
INVENTORY
Featured Vehicles
Here's what's on the lot right now — in-house financing available on every one, starting at $1,500 down.
13 vehicles in stock · Price does not include tax, tag, title & dealer fee.
Cargo Van
$9,900
2017 · RWD210,577 milesAutomatic · V8 Flex Fuel, 4.8 Liter
Looking for something bigger? Ask us about our 2014 Ram 1500, 2014 Honda CR-V, and 2019 Jeep Cherokee — starting at $9,900.
OUR STORY
10 Years Helping Orlando Families Get Behind the Wheel
Eduardo Nabut
Owner · Next Gear
“I'm Eduardo Nabut, owner of Next Gear Remarketing. For the past 10 years I've watched too many hardworking families in Orlando get turned away by banks — not because they can't pay, but because they don't have a credit score, a Social Security number, or a 'traditional' paycheck. I built this dealership to say yes to people the banks say no to. If you have a steady income, we want to talk to you.”— Eduardo Nabut, Owner
FAQ
Common Questions About In-House Financing
Do I need a Social Security number?
No. We accept ITIN. Many of our customers finance their vehicle with an ITIN number instead of an SSN.
What if I have bad credit or no credit at all?
That's exactly who we help. Approval is based on your income and ability to pay — not a credit score. We don't run a traditional credit bureau check to decide.
What documents do I need to bring?
A valid ID (from any country), proof of income (pay stubs, bank statements, or proof of self-employment), and proof of address. Not sure what counts? Message us on WhatsApp and we'll walk you through it.
How much money do I need down?
Down payments start at $1,500 and vary by vehicle and situation. Apply or message us to find out what applies to your case.
How long does approval take?
Most applications get a same-day answer. Apply online now or visit the lot — we move fast because we know you need your car.
Can I apply online before coming to the lot?
Yes. Fill out our online application in about 2 minutes and our team will reach out — usually within 5 minutes during business hours.
Do you check my credit at all?
Approval here is based on your income, not a credit score. It's a conversation with our team, not a credit pull.
Is every car on the lot eligible for in-house financing?
Our BHPH inventory changes often. Apply now and we'll show you exactly what qualifies today.
Your Next Car Is Waiting. So Is Your Approval.
No SSN? No credit? No problem. At Next Gear Remarketing, we look at your income — not your credit score. Apply now and get an answer today.
Also available in
In-house financing subject to approval based on income, employment/proof of income, and other store criteria; not all applicants will be approved and terms may vary. This is not a guarantee of credit approval. Vehicle prices shown do not include tax, tag, title, and dealer fees as required by Florida law. Down payment amounts, available inventory, and financing terms are subject to change without notice. See dealer for full details.