Massachusetts Ave. Location

4733 Massachusetts Ave, Indianapolis, IN 46218
(463) 245-8088

Arlington Ave Location

1860 N Arlington Ave Indianapolis, IN 46218
(317) 308-2886

Auto Sales and Service

Drive Forward Credit Builder Program

A smiling customer holding a Drive Forward Credit Builder Program sign in front of a vehicle at Auto Sales & Service in Indianapolis, Indiana.

A Smarter Way to Buy a Vehicle and Build Credit in Central Indiana

For years, many car buyers across Indianapolis and Central Indiana have been offered financing options that helped them drive today, but did very little to improve their financial future. High interest rates, limited credit reporting, and short-term thinking kept customers making payments without meaningful progress.

At Auto Sales & Service, we knew there had to be a better way.

That’s why we created the Drive Forward Credit Builder Program — a smarter, more responsible approach to vehicle financing designed to help qualified buyers get into a dependable vehicle while also building real credit that opens doors down the road.

Learn more about how the Drive Forward Credit Builder Program works here:
https://www.autosalesandserviceinc.com/drive-forward-credit-builder-program/

Why We Moved Away from Buy Here Pay Here (BHPH)

Buy Here Pay Here financing has long been common in the used-car industry, especially in working-class markets like Indianapolis. While BHPH can serve a purpose in very limited situations, it is not the best long-term solution for most customers.

Many traditional BHPH programs:

In too many cases, customers make payments for years and still struggle to qualify elsewhere.

We made a deliberate decision to move away from BHPH because most people deserve more than just approval. They deserve financing that actually helps them move forward.

The Drive Forward Credit Builder Program was built to replace short-term solutions with long-term progress.

Already in a Buy Here Pay Here Program? You May Have Options

If you’re currently in a Buy Here Pay Here (BHPH) program and you’ve been making your payments on time, that history matters more than you may realize.

At Auto Sales & Service, we work with lenders, and customers who have shown responsibility and consistency, even if their current loan doesn’t report to the credit bureaus. In many cases, a strong payment history, steady income, and overall stability can allow us to evaluate whether you’re ready to move out of BHPH and into a real, lender-backed auto loan.

That’s where the Drive Forward Credit Builder Program comes in.

If you qualify, Drive Forward may help you:

Every situation is different, and not everyone will qualify. But if you’ve been doing the right things and feel stuck in a program that isn’t helping your credit move forward, it’s worth having the conversation.

The goal isn’t just to get you driving today — it’s to help you build something that lasts.

What the Drive Forward Credit Builder Program Is

Drive Forward is a structured financing approach that connects qualified buyers with real, reputable lenders who report to all three major credit bureaus. The goal is simple:

Help customers drive a reliable vehicle while strengthening their credit profile at the same time.

• This is not a quick fix.
• This is not in-house financing.
• This is not the BHPH merry-go-round
• This is not about trapping customers in high-interest cycles.

This is about building something better!

Real, Reputable Lenders with Real Credit Reporting

Drive Forward partners with trusted banks and finance companies that report to Experian, Equifax, and TransUnion. Every on-time payment helps establish positive credit history that can be used for future opportunities.

Your payment history should work for you — not disappear into a system that never helps you qualify for better terms.

For a clear, unbiased explanation of how credit reports and scores are built, the Consumer Financial Protection Bureau provides an excellent overview:
https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/

Quarterly Check-Ins That Keep You on Track

Every few months, our team reaches out to check in and make sure things are going smoothly.

These quarterly check-ins are not sales calls. They are designed to:

We believe ongoing support and accountability are just as important as getting approved.

Credit Tips Throughout Ownership

Credit improvement doesn’t happen by accident. That’s why Drive Forward customers receive helpful insights throughout ownership, including guidance on:

Small, consistent decisions can create meaningful long-term results.

Trade-Up Options After 12 Months of On-Time Payments

Consistency pays off.

After 12 months of solid payment history, many Drive Forward customers may qualify to explore trade-up opportunities with:

As your credit improves, your choices expand. Drive Forward is designed to help you take advantage of that progress.

Built for Central Indiana Drivers Who Want More

The Drive Forward Credit Builder Program was created for real people — not perfect credit profiles.

Whether your credit is rebuilding or already moving in the right direction, Drive Forward focuses on:

At Auto Sales & Service, we don’t just want to sell you a vehicle. We want to help position you for a stronger financial future.

Ready to Take the Next Step?

If you’re looking for a smarter way to buy a vehicle and build credit in Indianapolis or Central Indiana, the Drive Forward Credit Builder Program may be the right fit.

Start with a simple pre-qualification and see how the right process can make a real difference.

Learn more or get started here:
https://www.autosalesandserviceinc.com/drive-forward-credit-builder-program/

Your future drives better when you Drive Forward.