Living in Massachusetts but shopping for a car in Rhode Island is a common practice for residents of Bristol County and beyond. For drivers in Fall River, New Bedford, Somerset, and Swansea, Elmwood Auto Services offers a unique advantage: big-city inventory with small-town service, just minutes from the MA state line.
Located at 358 Elmwood Ave, Providence, RI, this dealership specializes in helping Massachusetts residents secure guaranteed auto financing, even if they’ve been turned away by local dealers due to credit issues.
Don’t let a state line stop you from getting the car you need. Call them today at 401-461-0013 and start your drive home to Massachusetts.
Why Massachusetts Drivers Cross the Line to Elmwood
Shopping across state lines can feel intimidating, but for residents of Southeastern Massachusetts, Elmwood Auto Services is practically a local dealer. Located just a short drive from the Braga Bridge or Route 195, the dealership is easily accessible from Fall River and beyond.
Proximity Matters
- From Fall River: Less than 15 minutes via Route 79.
- From Somerset: Straight down Grand Army Highway.
- From Swansea: Minutes away via Route 6 and the Braga Bridge.
- From New Bedford: A straight shot up Route 195.
This convenience means you don’t have to travel all the way to Worcester or Boston to find a dealership willing to work with your credit.
17 Years of Trust
With 17 years in business, Elmwood has helped countless Massachusetts residents get approved . They understand the local market and the specific needs of drivers in Bristol County and beyond. When you call 401-461-0013, you’re speaking with a team that treats you like a neighbor, not just an out-of-state customer.
Financing for Massachusetts Residents: No Credit, Bad Credit, No Problem
Massachusetts drivers face the same credit challenges as anyone else. Whether you’re a first-time buyer in Fall River or someone recovering from a financial setback in New Bedford, Elmwood’s finance team is ready to help.
Secured Loans: The Key to Approval
Like most auto financing, Elmwood offers secured loans, meaning the vehicle itself serves as collateral . This reduces the lender’s risk, making them more willing to approve borrowers with less-than-perfect credit.
What You Need to Apply
To get approved for financing as a Massachusetts resident, bring:
- Valid MA Driver’s License: Proof of identity and residency.
- Proof of Income: Recent pay stubs or bank statements (MA employers accepted).
- Proof of Residence: A utility bill or lease agreement from your MA address.
- References: Personal references (standard for special financing programs).
Out-of-State Financing Myths
- Myth: “I have to finance a car in the state where I live.”
- Fact: You can finance a vehicle in any state, provided the dealership works with lenders that operate in Massachusetts. Elmwood does.
- Myth: “Out-of-state loans have higher rates.”
- Fact: Rates are based on your credit and income, not your zip code.
Call 401-461-0013 to discuss your specific situation with a finance expert.
The Inventory: Quality Pre-Owned Vehicles for MA Drivers
Elmwood Auto Services offers a diverse selection of pre-owned vehicles, with approximately 129 cars currently in stock . Whether you need a rugged vehicle for Cape Cod summers or a commuter car for the drive to Providence, they have options.
Popular Choices for MA Buyers
- Fuel-Efficient Sedans: Perfect for commuting along I-195 or Route 24.
- SUVs and Crossovers: Ideal for Massachusetts families and winter driving.
- Trucks: For work or recreation, from Fall River to the Cape.
Don’t see what you want online? Call 401-461-0013 to ask about new arrivals or vehicles reserved for Massachusetts buyers.
Location and Hours: Just Minutes from MA
Address: 358 Elmwood Ave, Providence, RI 02907
Phone Number: 401-461-0013
Hours of Operation:
- Monday – Friday: 9:00 AM – 6:00 PM
- Saturday: 9:00 AM – 4:00 PM
- Sunday: Closed
Directions from MA
- From Fall River: Take I-195 West to Route 114A South, then to Elmwood Ave.
- From New Bedford: Take I-195 West, exit at Broad Street, and follow to Elmwood Ave.
- From Somerset: Take Grand Army Highway directly into Providence.
Call ahead at 401-461-0013 to ensure the vehicle you want is available and to confirm financing pre-approval before you make the trip.
Frequently Asked Questions (FAQ) for MA Buyers
Q: Can I register my car in Massachusetts if I buy it in Rhode Island?
A: Yes. Elmwood works with Massachusetts buyers regularly and can provide the necessary paperwork (title, bill of sale, etc.) to register your vehicle with the Massachusetts RMV.
Q: Do you accept Massachusetts trade-ins?
A: Absolutely. Elmwood will evaluate your trade-in, regardless of which state it’s registered in, and apply its value toward your new purchase.
Q: What credit score do I need?
A: There is no magic number. Elmwood specializes in working with customers with bad credit, no credit, or past bankruptcies .
Q: Is a down payment required?
A: Not necessarily. In many cases, financing can be arranged with little to no money down, depending on your income and credit profile .
Q: How long is the loan term?
A: Loan terms typically range from 48 to 72 months. Longer terms can lower your monthly payment .
Conclusion: Your Next Car Is Waiting in Providence
Massachusetts drivers don’t need to settle for local dealerships that won’t work with their credit. Elmwood Auto Services, located just minutes from the state line at 358 Elmwood Ave, Providence, RI, offers guaranteed financing solutions tailored to your needs.
Stop driving past the dealerships that turned you down. Start driving toward a solution.
Call Elmwood Auto Services Today at 401-461-0013
Serving Southeastern Massachusetts from Fall River to the Cape!