Sometimes, a customer at our auto pawn shop takes an interest in one of our used cars for sale but has concerns about whether they can afford it at that time. We understand—and that’s why we go the extra mile to help our customers drive off with the right automobile. At Massa Auto Pawn & Sales, we provide our customers with several options when it comes to financing their purchase.

Bank Financing

If you prefer, we can set up financing through your bank or find a bank for you based on your credit. We have done business with many banks and can get you taken care of with ease.

Credit Union Financing

Massa Auto Pawn & Sales is a member direct lender with most credit unions. This means you can finance your purchase through your credit union at Massa without going to your individual credit union office. We do all the work, and you get great credit union rates. No dealer handling fees—ever!

Buy Here Pay Here Financing (BHPH)

Massa Auto Pawn & Sales can finance your vehicle purchase directly through our BUY HERE PAY HERE (BHPH) program. Our BUY HERE PAY HERE (BHPH) program is designed for those looking to get into a vehicle even if you have had some credit problems in the past.

The requirements for our BUY HERE PAY HERE program are simple! A current and valid driver’s license, down payment, proof of residence, current employment with proof of income, and a short list of references are all you need. With our BUY HERE PAY HERE program, you'll make affordable payments on a date that works for you with either of our bi-weekly or monthly payments dates. Learn more!


If you prefer, a down payment will hold the vehicle of your choice until a mutually agreed-upon date. You may make periodic payments, or you could pay the balance due at any time before the expiration date of the contract. This type of financing works well when you are expecting money in the future but you want to hold the vehicle and the great price until your money arrives.

With a selection of dependable used cars for sale and multiple financing options available, Massa Auto Pawn & Sales is simply head and shoulders above other car pawn shops in the area. You don’t need to put yourself through the hassle of dealing with one of those fly-by-night car dealerships. Just come to one of our five vehicle pawn shops—we're in Lakewood, Aurora, Colorado Springs, and Pueblo—and explore our wide-ranging auto inventory. Feel free to contact us if you have questions about the financing process.