About us

Carros En Pagos NJ, located at 808 8th St in Union City, NJ, helps you buy a car with simple, flexible payments—no matter your credit history. At OGM Pay Here, we provide in-house financing for customers with bad credit, no credit, no license, or no Social Security number. We proudly serve the Hispanic community in Union City, West New York, North Bergen, and nearby areas. Whether you’re buying with a passport, ITIN, or limited documents, we’re here to help. Our Spanish-speaking staff ensures a smooth and respectful experience for all our clients. We specialize in helping first-time buyers, immigrants, and anyone rebuilding their credit get approved fast. Our buy here pay here model eliminates the need for banks or outside lenders. You finance the car directly with us—with easy, weekly or bi-weekly payment plans. Every vehicle is inspected for quality and reliability before being offered for sale. Choose from affordable sedans, SUVs, and family-friendly cars on our lot. Down payments are low, and we explain every step clearly with no hidden fees. Whether you’ve been denied elsewhere or just need a fresh start, we’ll help you get the car you need. We also help you build credit while driving a vehicle that fits your budget. Our location is easy to reach by public transportation and just minutes from Bergenline Avenue. We’ve helped hundreds of local drivers take control of their transportation and their future. With OGM Pay Here, owning a car in New Jersey is no longer out of reach. Come visit us today at 808 8th St in Union City and drive away with confidence—even if you have no credit or no SSN.