2020 Lexus $10,500 40/10 BHPH No credit check

Description:

Option 1: Short + Direct – best for 10dayads
Title: 2018 Honda Civic – $9,500 – 40/10 BHPH – No Credit Check

Description:
2018 Honda Civic LX, 98k miles, clean title, runs perfect, cold AC.

PRICE: $9,500 cash
40/10 FINANCING: $3,800 down, then $950 x 6 months = $9,500 total
NO banks, NO credit check, NO waiting. Drive today.

Requirements: Valid ID, proof of income, proof of insurance
Payments due monthly. Late fee $25 after 10 days. APR 18%.
Title transferred after final payment.

Located: Los Angeles, CA 90026
Call/text/email for appointment. Serious buyers only.
Option 2: Emphasize “No Bank” angle
Title: 2019 Toyota Corolla – $11,000 – Own in 6 Months – 40/10

Description:
Tired of banks saying “no”? We say “yes”.

2019 Toyota Corolla LE, 85k miles, 1 owner, clean CARFAX
BANK LOAN: $280 x 60 months = $16,800 + interest
OUR 40/10: $4,400 down + $1,100 x 6 months = $11,000 flat. Done in 6 months.

You save $5,800 + 4 years of payments.

Requirements: CA license/ID, job/income proof, full coverage insurance
Contract shows exact APR, total payments, late fees before you sign.
Lot located Los Angeles. Appointment only.

Email for VIN + photos. 10 day ad – will repost if not sold.
Option 3: Urgency + “10 days” hook
Title: $4K DOWN TAKES IT – 2017 Ford Fusion – 40/10 Financing

Description:
10 DAY AD – Reposted weekly until sold

2017 Ford Fusion SE, 105k miles, leather, backup camera
Cash price: $10,000
40/10 PLAN: $4,000 down today, $1,000/month x 6 months

Why 40/10 vs bank?
1. Approved in 30 min, no credit pull
2. Own car in 6 months vs 5 years
3. No hidden fees, everything in contract

Must have: Down payment + monthly payment budget + insurance
We report payments. Build ownership history.

LA County pickup only. Text “FUSION” for more pics + VIN.
APR 18%. Total of payments $10,000. Late fee $25 after 10 days.
10dayads posting tips for 40/10:
Title: Put “40/10 BHPH” + “No Credit” in title. Buyers search that.
Category: Vehicles > Cars > Sedan/SUV. Don’t post in “Services”.
Photos: 6 pics min. Include odometer + VIN plate pic = builds trust.
Renew: Ad expires in 10 days. Delete + repost same text to bump to top.
Email: Use dedicated Gmail. 10dayads hides your email from public.

Compliance reminder for CA:
You need CA dealer license + Finance Lender License from DFPI to legally offer 40/10 in-house financing. Ad MUST show: cash price, APR, total payments, late fee. Don’t say “guaranteed approval” – say “no credit check” instead.

Want me to write one for a specific year/make/price you have on lot? Just drop me: Year, Model, Miles, Cash price, and I’ll fill the template.