Skook Auto Sales started out as a buy here pay here dealer. As the company grew and changed over time, we moved away from in-house financing. Today we help customers with good, bad or zero credit find financing through outside lenders.
Who we help
- Little or no credit history (first car, new to the country, always paid cash)
- Past credit problems — late payments, collections, a repossession or bankruptcy
- Shoppers with good credit who want a straightforward deal close to home
How it works at Skook
- Apply online or in person. Once your application reaches one of our salespeople, we pull your credit to look for financing options.
- We work with our lenders. Lenders look at more than a score: your job, your income and expenses, where you live, your down payment and any trade-in equity.
- We walk you through the offer. Approval and terms are up to the lender and always depend on your application. Ask us to explain the total cost of any deal before you sign; we're glad to.
How financing can help build your credit
The lenders we work with report to the credit bureaus. On-time payments are one of the clearest signals you can send future lenders — and many customers use their car loan as a stepping stone to better rates next time.
What makes Skook different
- Every car is fully reconditioned in our own shop before it's sold
- A 3-month/3,000-mile powertrain warranty, a 30-day guarantee on missed repairs and a 72-hour money-back guarantee on every vehicle
- A family-owned team that's been doing this in Schuylkill Haven since 2014
Ready? Get pre-approved online in about two minutes.
Updated October 2026 by the Skook Auto Sales team. General information, not legal or financial advice.