RT Auto Finance

Quality used cars, trucks, and SUVs for sale near Merrillville, IN and Chicago, IL

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No Credit? No Problem – Affordable Car Financing at Ride Time

At Ride Time, we recognize how essential it is to have a vehicle of your own, especially when facing challenges. Life can throw curveballs like job loss, bankruptcy, divorce, or other unexpected events that impact your credit.

We believe that bad or no credit shouldn’t be a barrier to owning a car. That’s why we provide bad credit car financing solutions tailored to fit your needs, which you won’t find at other dealerships. Our goal is to help you drive away in the perfect car for your budget, needs, and style, even if other lenders have said no. Let us help you find the financing you deserve.

We serve the surrounding areas, including Hobart, Crown Point, Schererville, and the entire Chicago area. Our dealership is strategically located to provide easy access for customers from these nearby communities, making it simple to find your next vehicle. Visit us today and see why many people recommend Ride Time Auto Finance for their auto sales and auto loan needs.


Over 75

quality pre-owned vehicles

4.9 stars

on Google Reviews

700+ reviews

from happy customers

New Arrivals

Red 2024 BUICK ENVISTA PREFERRED for sale in Merrillville, INPhotos of 2024 BUICK ENVISTA PREFERRED for sale in Merrillville, IN at Ride Time Auto Finance BroadwayAnother view of 2024 BUICK ENVISTA PREFERRED for sale in Merrillville, IN at Ride Time Auto Finance BroadwayMore photos of 2024 BUICK ENVISTA PREFERRED at Ride Time Auto Finance Broadway, INMore photos of 2024 BUICK ENVISTA PREFERRED at Ride Time Auto Finance Broadway, IN
$19,495
Documentation Fee: $149
Est. Payment
$288/mo
Gray 2025 HONDA ACCORD SE for sale in Merrillville, INPhotos of 2025 HONDA ACCORD SE for sale in Merrillville, IN at Ride Time Auto Finance MerrillvilleAnother view of 2025 HONDA ACCORD SE for sale in Merrillville, IN at Ride Time Auto Finance MerrillvilleMore photos of 2025 HONDA ACCORD SE at Ride Time Auto Finance Merrillville, INMore photos of 2025 HONDA ACCORD SE at Ride Time Auto Finance Merrillville, IN
$24,995
Documentation Fee: $149
Est. Payment
$369/mo
Gray 2025 CHEVROLET TRAX LS for sale in Highland, INPhotos of 2025 CHEVROLET TRAX LS for sale in Highland, IN at Pro Auto Finance HighlandAnother view of 2025 CHEVROLET TRAX LS for sale in Highland, IN at Pro Auto Finance HighlandMore photos of 2025 CHEVROLET TRAX LS at Pro Auto Finance Highland, INMore photos of 2025 CHEVROLET TRAX LS at Pro Auto Finance Highland, IN
$20,495
Documentation Fee: $149
Est. Payment
$302/mo
Gray 2023 KIA FORTE LXS for sale in Merrillville, INPhotos of 2023 KIA FORTE LXS for sale in Merrillville, IN at Ride Time Auto Finance BroadwayAnother view of 2023 KIA FORTE LXS for sale in Merrillville, IN at Ride Time Auto Finance BroadwayMore photos of 2023 KIA FORTE LXS at Ride Time Auto Finance Broadway, INMore photos of 2023 KIA FORTE LXS at Ride Time Auto Finance Broadway, IN
$17,995
Documentation Fee: $149
Est. Payment
$266/mo