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SRQ Auto VS Buy Here Pay Here: 


Buy Here Pay Here stores have a bad reputation.  Why is that, and how is SRQ Auto different?

What is Buy Here Pay Here lending?


-          Designed to allow people with no credit or very bad credit to get a car


-          Vehicles are over priced compared to market pricing

-          They come with VERY high interest rates

-          Vehicle condition is typically not good enough to last for the loan period. 

-          Warranties are usually already gone.

-          There are typically high fees associated with the loans, which drive a high sale price even higher

-          When leaving the dealership, your car is worth way under what you owe.  This makes it very hard to get out from under it, without coming up with a large amount of cash

-          They require a high down payment that can be as much as the car is worth

Buy Here Pay Here lending has been described as predatory because the loan payment history is typically not reported to the credit bureaus.  This means that you can pay as agreed for years, and will not help get your credit score up to a level where you may qualify for better financing.


SRQ Auto is not a Buy Here Pay Here store.  How are we different?

-          Vehicles are priced to be at market pricing levels

-          Vehicles are carefully screened to make sure that they are in good condition

-          SRQ has a wide range of traditional lenders that are more forgiving of credit issues than normal

-          Traditional lenders have better interest rates

-          Traditional lenders are associated with much lower fees.

-          Traditional lenders report payment history to the credit bureaus.  This means that a positive payment history can help your credit score.  A good credit score helps you get better jobs, better places to live, cheaper financing, cheaper credit cards with higher credit limits.

-          SRQ vehicles come with a 12 month or 12,000 mile warranty. *  This helps take some of the worry out of buying a car.

Don’t get taken by the Buy Here Pay Here dealerships.  SRQ Auto cares for its customers and wants to help get you on the road toward improved credit.  Come see us today!

*Warranty available on vehicles that are less than 15 years old and under 150,000 miles


Just Beautiful

Germano Marquezine
Full Star Full Star Full Star Full Star Full Star

Just beautiful. Cathy helped me find exactly what I needed. She’s is so friendly. I loved the idea of to do a warranty extension for a good price.

Such a pleasant experience!

Valerie McMahon
Full Star Full Star Full Star Full Star Full Star

I brought my Hyundai Tucson from SRQ, the best experience! I worked with Cathy and she is incredible, very knowledgeable and truthful. Such a pleasant experience!

Above and Beyound

Colin DeGroat
Full Star Full Star Full Star Full Star Full Star

I Was in a sticky situation due to having a high dollar car that I needed to get out of due to new business ventures. Cathy Pearson went above and beyond to help me get my payoff and get a new great car that I love. She stayed after hours and was so welcoming and determining. Even helping me put my license plate on in the rain. She genuinely cared and it was refreshing to see at a dealer. The finance manager was also a consummate pro who stayed after and made things work. Huge props to everyone involved and the dealer for being so helpful and welcoming.

First Time Buyer

Erasmo Aguinaga
Full Star Full Star Full Star Full Star Full Star

Any First time buyers looking for a car I would recommend coming to SRQ auto . Cathy was great with me and my girlfriend and talked to us step by step about the car and made sure what was the right fit for us and giving us good options before we made decisions again any first time buyers out there in need of a car I would recommend SRQ auto.

Great People

Chris Bartley
Full Star Full Star Full Star Full Star Full Star

I was recommended by a family member about what a great dealership SRQ is and such great people that work there. I gave them a call and told them exactly what I was looking for. A used truck with towing power and something that has character, one owner and something that has been well taken care of. When Robyn said she had something in mind I never imagined that she would find the truck that I've always wanted. A Chevy 2500 turbo diesel never been happier. Robyn was amazing thanks so much for treating us like family it was such an easy sell.


Toni Richards
Full Star Full Star Full Star Full Star Full Star

After having a bad experience at another dealership, my fiancee called SRQ to see if they had anything that fit what we were looking for. The person that answered the phone, Robyn, informed us they had several options for us and encourage us to come by. Once we arrived Robyn greeted us outside and really did her best to find out what was important to us in a vehicle. I spotted THE ONE!! Robyn and the entire staff made sure we got everything we wanted. Payments where I needed them, more for my trade in than expected AND a warranty!!! I cant thank them enough!! We LOVE our new car!!! Super friendly, super easy....they definitely go above and beyond! I highly recommend SRQ Auto!!!

Super Helpful

Guadlupe Gonzalez
Full Star Full Star Full Star Full Star Full Star

Cathy was super helpful in answering all my questions , I am super In love with my 2018 Toyota Corolla !!! Thank You So Much Cathy For Everything !

Great Team

DeJuan Patrick
Full Star Full Star Full Star Full Star Full Star

Cathy and Chris are a great team! As Cathy works with you to get the terms you want, Chris is in the back negotiating and making it happen. When the sales person and the business manager are both advocating for the customer everyone wins. The vehicle I purchased was what I wanted on my terms and Cathy and Chris made it happen!

Made it Happen

Marl McInnes
Full Star Full Star Full Star Full Star Full Star

Cathy was great. No games. I told her what I wanted and what I was willing to pay and she made it happen. I would definitely recommend this place to friends and family.

Best Possible Expense

Fabiola Zavala
Full Star Full Star Full Star Full Star Full Star

Cathy Pearson literally got us in and out and with the best possible expense with in our budget!! I’m glad we came here she was absolutely so much help thank you srq and Cathy you guys are awesome

Fantastic Experience

Blanca Salgado
Full Star Full Star Full Star Full Star Full Star

Had a fantastic experience buying my first vehicle . Cathy is great to work with. It was a one-stop shop for all of my questions and made car buying a worry-free experience. I also feel that I got an exceptional value and was offered a high level of customer service. Highly recommend going to Cathy and Srq auto llc if you're in the market for a new or slightly used vehicle.

Highly recommended!

Spike fry
Full Star Full Star Full Star Full Star Full Star

I did the request Information online and within 15 minutes Amanda had got back to me. She had a great personality and my wife and I headed south from St Petersburg to see the Range Rover we were interested in. She had it up front waiting for our arrival. The Range Rover was in excellent condition, we drove and bought it site on scene with no issues. Everyone was easy going and we were in and out in an hour and a half with our beautiful new ride! Highly recommended!

Love My New SUV

April Wasden
Full Star Full Star Full Star Full Star Full Star

Treated me and husband so good love my new suv first trip in it is a road trip so we will see how this baby does in town and out state thank you Robyn so much


Destiny Lee
Full Star Full Star Full Star Full Star Full Star

After months of searching online and in person at a number of dealerships i was finally able to find the car of my dreams. I was referred to SRQ auto by a close friend when i originally went to Srq i wasn't expecting to literally drive off the lot the same day. Robyn was AMAZING! She walked me through the whole process and got me approved within minutes of me being there. I was in complete and utter shock because i had been trying to trade my car in for almost a year with no luck. Now I'm driving around in a luxury car looking and feeling amazing. I would highly recommend anyone looking for a car to go to SRQ auto and ask for Robyn she literally changed my life within minutes.

HIGHLY HIGHLY recommended

Silvia Himles
Full Star Full Star Full Star Full Star Full Star

We bought a car from SRQ AUTO yesterday, it was the best car buying experience we have had! We had the pleasure of dealing with CATHY, she was amazing!! Cathy is very knowledgeable, courteous, and she will treat you like family. I HIGHLY HIGHLY recommended SRQ if you're looking to buy a car. Ask for Cathy. I'm a very satisfied customer!

Never thought I would say

Jeff Douglas
Full Star Full Star Full Star Full Star Full Star

Never thought I would say that I had a good experience buying a used car but Cathy was awesome! She knew her stuff, very knowledgeable and personable. We were in and out with a new vehicle in about an hour!

Positive Experience Buying

Travis Roundcount
Full Star Full Star Full Star Full Star Full Star

I had a positive experience buying a vehicle from SRQ. Cathy was a great sales person to work with. She stayed on top of everything and made sure the sale went through smoothly and quickly. I was buying from out of state so she kept me informed of everything throughout the process. I would recommend them and I would buy from them again.

Turning Point

Art Beane
Full Star Full Star Full Star Full Star Full Star

December 20, 2019 was a turning point in our belief that a Pre-owned car dealership could be trusted to conduct business responsibly, patiently, and fairly. After test driving three cars, and looking at another, we decided to buy their 2012 Chrysler 200. In less than an hour after we decided to buy, Robyn and her team finessed securing plates, registration, title transfer, financing, and insurance. We drove it off the lot completely satisfied and confident we got a great deal. Our 2012 Chrysler 200 is a gem. Robyn Garcia, her sister Amanda, and Cathy, not to mention SRQ's owner, were cordial, professional and listened to and answered our many questions. We fee honored to be included in SRQ's customer family and highly recommend you stop by for a visit. ---Art Beane/Margaret Peloquin.

Above and beyond

Tracy Watkins
Full Star Full Star Full Star Full Star Full Star

I have nothing but wonderful things to say about SRQ Auto. My husband and I had been out most of the day looking for a truck and right before they were scheduled to close I found a truck online that my husband said he really liked. We pulled up on the lot probably 5 minutes until closing and Cathy still came out to assist us. She answered our questions about the truck and we explained to her we had pre-approval and we set up an appointment for the next day to come in and complete the paperwork and buy the truck. It was already after closing hours at this time. We were getting in our car to leave and Cathy came running back out to let us know that if we wanted to their finance employee was still there and willing to complete our paperwork to purchase the truck. We of course were willing because after a long day looking we really didn’t want to go home empty handed so she was actually doing us a huge favor since the next day was our daughters birthday. So as if that wasn’t awesome enough of Cathy and the finance employee for staying after hours to help us, they ended up finding us a way better company then We got pre approved with at a lower rate. We’ve bout several vehicles over the years and this has been by far the most easy and pleasant purchasing experience that I’ve ever had when buying a vehicle. Cathy went above and beyond to make sure everything was completed efficiently and promptly. She was professional and still made the purchasing process fun with her kind and energetic personality. She was so inviting and made us feel so comfortable the entire time we were there. I’ve actually never felt so comfortable at a car dealership before in my life. We will for sure be returning customers next time we are in the market for a new vehicle. Cathy won us over and we look forward to purchasing from her hopefully in the near future. She really knows her stuff and is the best car sales person ever!!! SRQ Auto is lucky to have her. She wasn’t a pushy sales person and didn’t make us do the whole back and forth thing like most car dealers make you do. She was honest and up front and got us what we needed and wanted and had ya out of there with a new truck in under 2 hours. If I could rate her any higher I would. Thank you so much Cathy and SRQ Auto. Steven & Tracy Watkins


Lynette Riganto
Full Star Full Star Full Star Full Star Full Star

I had such a great experience at SRQ !!! Cathy and Chris were AMAZING and went above and beyond what I would have ever expected anyone to do !!! I got the nicest car I've ever had and I am truly grateful !!! THANK YOU SRQ

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