Have you ever wondered why your financial history should dictate your ability to drive a reliable vehicle? Many people feel stuck when traditional lenders turn them away — but your journey toward a new set of keys does not have to end there.
At Valley Auto Liquidators in Spokane Valley, we believe everyone deserves a fair chance to get behind the wheel. Our team specializes in providing no credit check cars and flexible in-house financing to help you regain your mobility and independence. We have built a friendly, welcoming environment where you can explore your options without any unnecessary pressure.
In-House Financing — Same Day Approval
Unlike traditional bank loans that can take days or weeks, our in-house finance team can approve you the same day you visit. We focus on your current ability to pay — not just a number on a credit report. Whether you have good credit, fair credit, or are rebuilding, we have options that work for you.
Whether you are looking for a reliable commuter or a family SUV, our staff is dedicated to your success. Browse our pre-owned inventory online, or visit us at 13818 E Sprague Ave, Spokane Valley, WA 99216. Call (509) 792-3003 to get started today.
Why Choose Valley Auto Liquidators
We believe that buying a car should be a stress-free and transparent experience for every driver — regardless of credit history. As a family-owned dealership with over 20 years in the Spokane Valley community, here is what sets us apart.
A Legacy of Trust Since 2004
Our journey began in 2004, and we have spent over two decades building a reputation as a reliable family-owned dealership. We treat every customer like a neighbor rather than just another transaction — that personal touch is the foundation of our business.
Transparent Pricing — No Surprises
We will show you the book value on any vehicle so you can see exactly how our pricing stacks up. No hidden fees, no last-minute add-ons. Just honest numbers on every car on the lot.
Serving the Inland Northwest
Perfectly positioned to serve Spokane, Coeur d'Alene, Pullman, Kennewick, and the Tri-Cities area. Easy on/off I-90 for drivers from across the region.
Understanding the Buy Here Pay Here Advantage
Our approach to vehicle ownership focuses on your future rather than your past financial history. By choosing a buy here pay here model at Valley Auto Liquidators, you gain access to a streamlined process designed to get you on the road quickly — often the same day.
How In-House Financing Works
In-house financing removes the middleman from your car buying journey. Instead of waiting for approval from a distant bank, our team handles the entire process right here at our dealership. This allows us to offer bad credit financing that is both flexible and accessible to Spokane-area drivers.
We look at your current situation rather than just a number on a credit report. Once you select your vehicle, we work with you to create a payment plan that makes sense for your life and your budget.
In-House Financing vs. Traditional Bank Loans
Traditional lenders rely on rigid criteria that can leave many hardworking people without options. By working directly with us, you avoid the long wait times and frustration of repeated denials.
| Feature | Traditional Bank Loan | In-House Financing |
|---|---|---|
| Approval Speed | Days or Weeks | Same Day |
| Credit Requirements | Strict / High Score | Flexible / All Credit |
| Process Complexity | High Paperwork | Simple & Direct |
| Decision Maker | Third-Party Bank | Local Dealership |
Ready to get started? Get pre-approved online before your visit, or use our payment calculator to estimate your monthly costs. You can also learn more about all our financing options on our finance page.
Valley Auto Liquidators — In-house financing for all credit situations in Spokane Valley, WA
Financing Options for Every Credit Situation
Securing a vehicle in Spokane is easier than you might think, even if your credit score is less than perfect. Watch the video below to learn more about buying a car with bad credit, then explore your options with our in-house team.
All Credit Welcome
Good, fair, or rebuilding credit — our in-house finance team works with all situations. We focus on your current income and ability to pay, not just a credit score.
First-Time Buyers
No experience required. Our team walks you through every step of the process, from selecting a vehicle to signing the paperwork, with no pressure and no surprises.
Get Pre-Approved Online
Start the process from home at spokaneauto.com/preapproved.aspx. Use our payment calculator to estimate monthly costs before you visit.
Navigating Our Extensive Inventory
Discovering your next ride is simple with our comprehensive collection of cars, trucks, and SUVs. We maintain a diverse pre-owned vehicle inventory that includes a wide variety of options to suit any lifestyle and budget.
Trucks
F-150 • Silverado • RAM 1500 • Tacoma • Sierra • Colorado. Work-ready and weekend-capable — browse our full 4x4 truck inventory for the best selection.
SUVs & Crossovers
RAV4 • CR-V • Explorer • Highlander • 4Runner • Outback. AWD options purpose-built for Pacific Northwest winters and Idaho back roads.
Cars & Sedans
Camry • Civic • Accord • Malibu • Fusion • Elantra. Fuel-efficient daily drivers perfect for commuting across Spokane and the Inland Northwest.
Can't find the exact model you need? Use our Find My Car tool and we'll locate it for you. You can also search by body style, browse by model, or check out our vehicles under $15,000 for budget-friendly options.
Every Car Inspected. Every Time.
Buying a used car is a big decision. We make it easier by doing the homework for you — every vehicle on our lot is checked by our ASE Certified service team before it goes on sale.
ASE Certified Technicians
Mechanical inspection on every vehicle — brakes, tires, fluids, engine, and more. Our in-house service team checks every car before it hits the lot.
CARFAX History Reports
Full vehicle history on every car — accident records, ownership, and service history. We also carry CARFAX 1-Owner vehicles for added peace of mind.
Independent Inspections Welcome
We encourage buyers to bring their own mechanic before purchasing. That is how confident we are in the quality of our inventory.
Our ASE Certified service team inspects every vehicle before it goes on sale — and is available for routine maintenance after your purchase
Our full-service department is also available for oil changes, tire rotations, and routine maintenance after your purchase. Schedule a service appointment online, or call our service team at (509) 927-1053.
Streamline Your Trade-In
If you are looking to upgrade your ride, our team makes the trade-in process simple and transparent. Trading in your current vehicle is a smart way to lower the cost of your next purchase — and the value goes directly toward your down payment.
Get a fast, fair trade-in appraisal — online or in person at our Spokane Valley lot
Free Online Appraisal
Visit spokaneauto.com/trade.aspx to get an estimate from home before your visit. Know your trade-in value before you walk in the door.
On-the-Spot Assessment
Bring your vehicle to our lot and we will assess it on the spot — no appointment necessary. Our team provides a fair, professional appraisal with no lowball offers.
Value Goes Toward Your Purchase
Your trade-in value is applied directly to your next vehicle, reducing the amount you need to finance and keeping your monthly payments manageable.
Plan Your Visit to Spokane Valley
We are conveniently located at 13818 E Sprague Ave, Spokane Valley, WA 99216 — easy on/off I-90, serving drivers from Spokane, Coeur d'Alene, Pullman, Kennewick, and the greater Tri-Cities area.
Contact Information
Sales: (509) 792-3003
Service: (509) 927-1053
Address: 13818 E Sprague Ave, Spokane Valley, WA 99216
| Department | Mon – Fri | Saturday | Sunday |
|---|---|---|---|
| Sales | 9AM – 7PM | 9AM – 7PM | 10AM – 5PM |
| Service | 8:30AM – 4:30PM | Closed | Closed |
Tips for a Smooth Visit
Bring a valid driver's license and current proof of income — having these items ready allows our team to finalize your financing quickly. We also encourage you to browse our inventory online before arriving so you know exactly what is waiting for you. No pressure, no games — just a straightforward path to your next car.
Your Next Vehicle Is Waiting — No Credit Check Required
Valley Auto Liquidators has been the Inland Northwest's trusted used car dealership since 2004. As a family-owned business, we treat every customer with straight talk, fair prices, and genuine help finding the right vehicle — regardless of credit history.
Whether you are replacing a daily driver, upgrading to something bigger, or buying your first vehicle, our in-house financing team is here to make the process simple and stress-free. Search our full inventory online, get pre-approved from home, or stop by the lot — we are open Monday through Saturday 9 AM – 7 PM and Sunday 10 AM – 5 PM.