Guaranteed Financing For All

We Will Get You In A Car - Regardless Of Your Credit History


Tom Pratt Automotive Sales and Service

Welcome to Tom Pratt Automotive

We have been a small family owned bussiness established here in Dundee for 30 plus years. Three generations of our familys hard work and commitement to our customers is what  Tom Pratt Automotive values most.

We are here to make purchasing your vehicle as easy as possible. We have 2 programs to help get you financed today, regardless of your credit history!

Our first option is our patented "Buy-Here/Pay-Here" program.  This is a no-credit-check solution for customers looking to get into a vehicle with little/no credit available, having started a new job, previous repossessions/bankruptcies, or those looking to not impact their income-to-debt ratio's.  For any BHPH vehicle, we have a flat rate $300.00 month payment, and most payments only last between 12-18 months.  We report at the end of your loan to the credit bureaus; your payment history.  Some of our customers have reported to us gains of over 100 points on their credit report.  Down payments fluctuate between $1000 for cars, $2000 down for SUVs, and $3000 down for trucks.  The specific down payment amount is relative to each vehicle.

The second financing option is working with traditional banks to get you financed on a vehicle.  Our lenders specialize in all types of credit no matter what your score is; Great, Fair, or Poor.  You must have a minimum of 2 months on the same job, making atleast minimum wage.  No repossession's or bankruptcy's within the last 5 years.  Down payments are just 10% of vehicle sales price required at signing.  (I.E. $7495 vehicle price would be just $750 down).  If your credit is in good standing, we will work with your personal bank to get you financed at an excellent interest rate.


***If you are interested in working with one of our lenders, please fill out one of our credit application by clicking the "Start My Deal" below. It will only take you a few minutes, and this gives us the information we need to find the program that best suites you! Of course, if you need further help, do not hesitate to contact us!***


Tom Pratt
(607) 243-7442
Tom Pratt Automotive Inc
1 Millard Street, Dundee NY 14837 Phone: (607) 243-7442



8 am - 5 pm


8 am - 5 pm


8 am - 5 pm


8 am - 5 pm




By appointment