Drive Forward Credit Builder Program
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:
- Carry extremely high interest rates
- Offer little or inconsistent credit reporting
- Keep customers locked into the same cycle
- Provide no clear path to better financing
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:
- Transition away from non-reporting, high-risk financing
- Start building real credit through on-time payments
- Work with reputable lenders that report to all three major credit bureaus
- Position yourself for better terms and options in the future
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:
- Confirm payments are on track
- Ensure credit is moving in the right direction
- Celebrate progress
- Offer guidance if you hit a bump
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:
- Credit utilization
- Payment history
- Smart financial habits
- Protecting and strengthening your credit profile
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:
- Better interest rates
- Newer vehicles
- Stronger financing options
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:
- Stability
- Transparency
- Long-term success
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.
Why Buying a Used SUV in Indianapolis Makes More Sense Than Ever
Indianapolis drivers rely on vehicles that handle unpredictable weather, daily commutes, and family responsibilities without pushing their budget too far. Over the past few years, used SUVs have become one of the most practical choices for Central Indiana buyers who want comfort, capability, and long term value. With rising prices on new models and continued demand for safer and more versatile vehicles, the used SUV market is stronger than ever.
A well chosen SUV offers room for passengers, solid towing ability, and confidence on winter roads. Many late model pre owned SUVs now include advanced safety features such as blind spot monitoring, lane assistance, and all wheel drive systems that help keep you steady in snow and rain. The National Highway Traffic Safety Administration provides helpful information on these safety technologies, and it is a useful resource for anyone researching their next vehicle:
https://www.nhtsa.gov/vehicle-safety
Buyers are finding that they can get more features and better durability for a fraction of the cost of buying new. Models from brands like Jeep, GMC, Chevrolet, Toyota, and Honda have proven track records of long service life when properly maintained. Indianapolis families appreciate that these vehicles can handle school runs, weekend trips, and long distance travel with ease.
Fuel efficiency has also improved, and many used SUVs offer practical fuel mileage that fits everyday budgets. Combined with the lower purchase price of a pre owned model, total ownership costs are much easier to manage.
Financing options also play a major role in the value of a used SUV. Many customers begin the process by completing a simple prequalification form, which helps determine the best payment options available. You can even get started without a credit pull and no Social Security Number is required.
You can start your own pre approval process here:
https://www.autosalesandserviceinc.com/get-pre-qualified/
If you have been considering an SUV for winter driving or simply need more room for your lifestyle, now is the perfect time to explore the used options available in Central Indiana. The combination of lower pricing, upgraded features, and flexible financing makes pre owned SUVs one of the smartest buys in today’s market.
Why the Used Chevy Equinox and Ford Escape Dominate Indianapolis SUV Sales
Used Chevy Equinox and Ford Escape in Indianapolis: Which SUV Fits You Best?
Shopping for a used Chevy Equinox or Ford Escape in Indianapolis? These two SUVs are among the most popular choices for local drivers thanks to their comfort, reliability, and value.
Compact SUVs have certainly become the go-to choice for families, commuters, and weekend adventurers alike. Among the top picks, two names continue to dominate the used SUV market: the Chevrolet Equinox and the Ford Escape. Both offer reliability, comfort, and fuel efficiency – but each brings something a little different to the table.
At Auto Sales & Service, we see firsthand why these two models remain bestsellers across Central Indiana. Here’s how they compare – and why local drivers can’t get enough of them.
Performance & Efficiency
Both the Equinox and Escape are known for their versatility and smooth driving experience.
The Chevy Equinox delivers a balanced, comfortable ride – ideal for everyday commuting and longer highway drives. Its 4-cylinder and available turbo options strike a nice balance between power and efficiency.
The Ford Escape, on the other hand, tends to lean slightly sportier, with responsive handling and multiple engine options, including hybrid variants in newer models.
For Indianapolis drivers dealing with stop-and-go city traffic and unpredictable weather, both SUVs provide excellent traction and control, especially in their all-wheel-drive versions.
Interior Comfort & Tech
Inside, both SUVs offer plenty of space for passengers and gear – perfect for Indiana families and weekend getaways.
The Equinox is praised for its intuitive infotainment system and spacious rear seats, while the Escape shines with its driver-focused cockpit and available smart features like adaptive cruise control and smartphone connectivity.
No matter which you choose, you’ll find a cabin built for comfort and convenience.
Reliability & Ownership Value
When it comes to long-term dependability, both models have earned high marks from J.D. Power and consistently rank among the top-selling compact SUVs in the U.S.
For used buyers in Indianapolis, that means affordable pricing, easy maintenance, and strong resale value. Whether it’s a 2017 Equinox or a 2018 Escape, both are excellent options for budget-conscious drivers looking for reliable performance without breaking the bank.
Why Indianapolis Drivers Love the Chevy Equinox and Ford Escape
It’s no surprise these two models are everywhere – from Greenwood to New Palestine, and up through Fishers and Lawrence. Their mix of safety, fuel efficiency, and versatility fits perfectly with Central Indiana’s mix of city commutes and small-town lifestyles.
At Auto Sales & Service, both models move quickly – especially when they’re priced under $20,000 and qualify for financing through our Drive Forward Credit Builder Program.
Ready to Find Yours?
If you’re in the market for a used Chevy Equinox or Ford Escape in Indianapolis, we’ve got fresh options hitting the lot weekly. You can browse our current SUV inventory in Indianapolis to see available Equinox and Escape models.