4160 Torresdale Ave Philadelphia, PA 19124 215-744-6901

NJ Buy Here Pay Here Dealership - Buy Here Pay Here in New Jersey


Welcome to Citi Auto Group. As one of the Delaware Valley’s biggest pre-owned vehicle dealerships, we have welcomed thousands of New Jersey residents, and helped them purchase their ideal used car or truck, with exceptional financing.


Certified Used Cars for NJ Residents
We have years of experience helping drivers get back on the road in the perfect vehicle for their lifestyle and budget. Our range of certified used cars and trucks are competitively priced to be affordable for all budgets. We inspect and maintain our vehicles to the highest standard, so you can drive away from our dealership with total peace of mind.



When you come to Citi Auto Group, though, you get more than just a great vehicle at a great price; you have access to our own in-house financing too! We offer a Buy Here Pay Here system that guarantees every driver instant approval. No more going from one bank to another searching for a loan. No more rejections. Just the financing you need to get the car or truck you want.


A Complete Solution Under One Roof
Buy Here Pay Here is ideal for all New Jersey drivers, but especially so if you have a low credit score. Bad credit ratings can hold you back and prevent you from buying the car you really need. Banks and many dealerships will turn you away if you have anything less than a good credit history, believing that you are a high risk. Citi Auto Group is proud to be different.

At Citi Auto Group, we won’t pre-judge you on your credit score, we’ll discuss your needs and give you instant credit approval. No matter how low your score, no matter how many payments you may have missed in the past, we’re committed to helping everyone get a good vehicle, for a fair price, with affordable monthly payments. We’ve established strong connections with some of the biggest auto lenders in the region, which helps us offer outstanding financial plans. And don’t worry about getting more than you can handle either, we’ll never give you a loan that’s too big for you to repay.

Using our Buy Here Pay Here system is a fantastic way to rebuild your credit rating, too. If you have a poor score or no credit history at all, making payments on one of our instantly-approved plans will show future creditors how reliable you are. This opens the door for you to more loans in years to come. Being able to choose your vehicle and secure your auto loan under one roof is incredibly convenient, you only need to deal with us, and no one else!


Instant Approval for All Credit Scores
Having a low credit score is easier than people may realize. Financial hardship can come to us all at one time or another. Perhaps you end up having to take a lower-paying job, or have sudden expenses that you never expected. You may find that you can’t keep making payments as usual and get into debit before you know it. Missed or late payments, multiple credit applications in a short time, and having cards ‘charged off’ can all contribute to low credit scores.

Your credit score is calculated by any of the three main credit bureaus, TransUnion, Experian, and Equifax. The scores range from 300 to 850. A score of 300 to 499 is classified as ‘Bad’, while 500 to 549 is simply ‘Poor’. A ‘Fair’ ratings apply to scores between 550 and 639, and s ‘Good’ score is from 640 to 719. Any score between 720 and 850 is regarded as ‘excellent’. Getting the highest rating is very difficult, and many of all Americans will find themselves in the ‘Fair or ‘Good ranges.

Banks and other dealerships will look at your credit score and usually pass judgement on you in moments. They may not realize just how much people depend on their vehicles, and they really don’t care; to them it’s all about the numbers. You may need to drive to work, pick up your kids at school, and provide transportation for friends and family. You might depend on your car or truck for a living, too. We understand these needs, and that’s why we guarantee every customer instant approval, no matter how low your credit score!


Unbeatable Service with a Smile
Citi Auto Group has built the best staff over the years. Every member of our team will greet you with a smile, offer all the advice we can, help you pick the right vehicle from our extensive inventory, and ensure you have a clear understanding of your financing plan.

We’ll go the extra mile to get you into the perfect car or truck, at a fair price, with an unbeatable auto loan that the rest just cannot compete with. So, NJ customers, give us a call at 215-744-6901 or drop in and see us at 4160 Torresdale Avenue in Philadelphia, only minutes away from all the bridges.

Citi Auto Group, 4160 Torresdale Ave, Philadelphia, PA 19124 215-744-6901