Drive Now - Van Buren is a used car dealership in Phoenix offering buy-here-pay-here auto financing for customers with less than perfect credit.
Data compiled from public sources · Rating from CreditDoc methodology
Drive Now - Van Buren is a used car dealership located at 2201 W Van Buren Street in Phoenix, Arizona, operating under the Brijay Automotive Group. The dealership specializes in serving the Phoenix area with a focus on used vehicle sales and alternative auto financing solutions. The company positions itself as a neighborhood-accessible option, situated near I-17 and local parks and public buildings in the Van Buren corridor.
Drive Now offers a buy-here-pay-here auto financing program designed specifically for customers with less than perfect credit. Their services include vehicle sales (used cars, trucks, SUVs, and minivans), pre-approval inquiries through an online form, and financing consultation. The dealership emphasizes competitive pricing, large inventory selection, and customer service as core differentiators. They operate extended hours Monday through Saturday (9am-7pm weekdays, 9am-6pm Saturday) to accommodate working customers.
The company distinguishes itself through its explicit targeting of subprime borrowers and implementation of a buy-here-pay-here model, which typically involves regular payment collection and vehicle GPS/starter interrupt devices. Their online pre-approval form allows customers to assess financing eligibility before visiting the lot. The dealership's location near amenities and public transit corridors in Phoenix makes it accessible to a broad customer base across the metropolitan area.
Drive Now operates in the used car financing space, a sector with inherent risks for consumers including potential high interest rates, mechanical issues with older vehicles, and aggressive collection practices common to buy-here-pay-here operators. While the website does not disclose specific APR rates, terms, or payment structures, the buy-here-pay-here model typically involves significantly higher costs than traditional auto financing. Consumers should carefully review all loan documents and vehicle conditions before committing.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Drive Now - Van Buren is a registered company, headquartered in Phoenix, AZ.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Drive Now - Van Buren is best for Phoenix-area consumers with poor credit who need immediate vehicle financing and are willing to accept the higher costs associated with buy-here-pay-here lending. The primary caveat is that APR rates and true total costs are not disclosed online, and buy-here-pay-here programs typically involve significantly higher interest rates, payment collection practices, and device installations compared to traditional auto financing—consumers must review complete loan terms before purchasing.
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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