Richmond, VA · Since 2016
At Grace Auto Sales in Richmond, VA, we finance customers other dealers turn away. ITIN accepted. No Social Security number required. Matrícula consular welcome. Bilingual finance manager on-site. Family-owned and women-owned since 2016.
ITIN accepted
Matrícula consular OK
No minimum credit
Bilingual finance manager
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Meet the team
Meet the Grace Auto team. Our bilingual salespeople and finance manager understand your journey because we are part of the same community. Come by, ask questions, take your time. No pressure, no judgment, just honest help finding the right car for your family.
Whether you are looking for a fuel-efficient Honda Civic, a family-sized Toyota RAV4, or a reliable pre-owned SUV for your daily commute in Richmond, we will help you find it, in Spanish or English, whichever you prefer.
The YES promise
Buying a car in the United States should not require a Social Security number, W-2 pay stubs, or perfect credit. Most dealerships turn away hardworking families for one missing document. We do not. Grace Auto Sales works with lenders who accept the paperwork you actually have, because we believe your family deserves a reliable pre-owned Honda or Toyota, and we are going to help you get one.
Our bilingual finance manager works with trusted lenders including Capital One Auto Finance, Westlake Financial, Virginia Credit Union, Langley Federal Credit Union, and Argent Credit Union to structure a car loan that fits your reality, whether you are working construction, restaurants, cleaning, landscaping, or you are new to the U.S. credit system.
ITIN number
Individual Taxpayer Identification Number accepted in place of a Social Security number for auto financing in Virginia.
Matrícula consular
Foreign consular ID accepted as valid identification. Mexican, Colombian, Venezuelan, Salvadoran, Guatemalan, and other consular IDs welcome.
Bank statements
Proof of income through your account activity, no W-2 pay stubs needed. Three to six months of deposits typically works.
Cash income
Self-employed, restaurant workers, construction, cleaning, landscaping, food trucks, gardening, all welcome. We know how you get paid.
Tax returns or employer letters
Alternative documentation to verify what you earn. If you file taxes with an ITIN, bring last year's return.
New credit or no credit
No minimum credit score required. New to the U.S.? New to credit? Building credit for the first time? Welcome.
Simple. Honest. Bilingual.
01.
Browse or call
Look through our 214+ used Hondas, Toyotas, Lexuses and Acuras online at graceautorva.com, or call (804) 348-0280 to talk to our bilingual team about what you need — SUV, sedan, minivan, or truck.
02.
Meet our finance manager
Bring your ITIN, matrícula consular or foreign ID, and any proof of income you have (bank statements, cash receipts, tax returns, employer letter). Our bilingual finance manager reviews everything with you — in Spanish or English.
03.
Drive home
Once you're approved, pick your Honda, Toyota, Lexus or Acura and drive off the same day. We handle the paperwork, the Virginia registration, the plates — all of it.
Featured inventory
Grace Auto specializes in used Honda and Toyota, the two most reliable brands on the road, with a strong selection in stock, plus premium Japanese brands like Lexus and Acura. Every vehicle is inspected by our skilled technicians and priced fairly using real-time market data. We do not play pricing games.
Fair value pricing
After years in the car business, we have realized market-based pricing is the fairest way to serve our customers. We poll thousands of real-time VIN-specific prices hourly to make sure every one of our pre-owned vehicles is priced fairly, even if it is at our loss. Fair is fair.
What you see is what you get. No inflated sticker to win a negotiation. No hidden fees at the finance desk. Just honest, transparent, fair-value pricing on every used Honda, Toyota, Lexus and Acura on our lot.
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Your own car
If you have been checking dealerships online, hoping to find one that will work with your paperwork, this is your sign. Your own reliable car is closer than you think. At Grace Auto, we have made the entire car-buying process bilingual, transparent, and welcoming.
Come in this week. Bring your ITIN, matrícula consular, or foreign ID. Bring bank statements or cash receipts. Our bilingual finance manager will help you drive home.
Women-owned & family-run since 2016
Grace Auto Sales & Service is a women-owned, family-run 5-star used car dealership located at 8701 W Broad St in Richmond, VA, right near Short Pump. Since 2016 we have served Richmond, Henrico, Chesterfield, Fredericksburg, and the surrounding community with respect, transparency, and honest pricing. We specialize in Honda and Toyota because we believe in selling cars that keep working for your family, cars that go 200,000-plus miles and do not leave you stranded.
Our bilingual finance manager will explain every number in Spanish or English. Every vehicle in our used inventory undergoes a comprehensive inspection by our skilled technicians and a third-party mechanic to meet our stringent quality and safety standards. No surprise fees. No pressure. No judgment. Just help.
5
5-star dealer
214+
Used vehicles
2016
Women-owned
2
Languages spoken
6/20/2026
6/20/2026
6/19/2026
Trusted banking partners
Our bilingual finance manager works directly with these trusted lenders, several of which have specific programs for ITIN borrowers and non-traditional documentation.
Capital One Auto
Westlake Financial
Virginia Credit Union
Langley Federal CU
FAQ
Do I need a Social Security number to buy a car in Virginia?
No. Grace Auto Sales accepts the ITIN as valid identification for auto financing. If you do not have an ITIN yet, our finance manager can walk you through your options and connect you with lenders who work with alternative documentation.
What if I don't have W-2 pay stubs?
No problem. We accept three to six months of bank statements, cash income records, tax returns (including ITIN filings), or a signed letter from your employer as proof of income. Restaurant workers, construction, cleaning, landscaping, food truck operators, and self-employed drivers are all welcome.
Do you accept matrícula consular as ID?
Yes. Your matrícula consular is accepted alongside your ITIN as valid documentation for our auto financing programs. We welcome consular IDs from Mexico, Colombia, Venezuela, El Salvador, Guatemala, Honduras, and other Latin American countries.
What if I have new credit or no credit at all?
Grace Auto works with lenders that accept new-credit and no-credit applicants. There is no minimum credit score required to apply. Our finance manager can also explain how buying a car and making on-time payments can help you build credit.
How much do I need for a down payment?
Down payment varies by vehicle price and lender. Our finance manager will walk you through options in Spanish or English and work to find a structure that fits your budget.
Do you actually speak Spanish?
Yes. Our sales team and our finance manager are bilingual. Every conversation, every document, every question, in the language you prefer. When you call (804) 348-0280, just ask for Spanish.
What kind of cars do you sell?
We specialize in used Honda and Toyota, along with premium Japanese brands like Lexus and Acura. Our inventory includes Civic, Accord, CR-V, Odyssey, Camry, Corolla, Prius, RAV4, Highlander, Sienna, Avalon, and more, plus occasional Ford, Chevrolet, Hyundai, Kia, Mazda, Nissan, Subaru, and Tesla.
Do you inflate prices to negotiate down?
No. Grace Auto uses market-based fair-value pricing. We poll thousands of real-time VIN-specific prices hourly so every vehicle is priced fairly, even if it is at our loss. What you see is what you get.
Can I trade in my current car?
Yes. Grace Auto offers an instant cash offer for your current vehicle through Kelley Blue Book, and the value is the same whether you trade in or sell outright.
Do you service cars after the sale?
Yes. Grace Auto Sales and Service has an on-site service center for oil changes, tire rotations, brakes, and larger repairs. Our technicians specialize in Honda and Toyota maintenance, and we service any make.
Where is Grace Auto located?
Grace Auto Sales & Service is at 8701 W Broad St, Richmond, VA 23294, near Short Pump. We are easy to reach from Henrico, Chesterfield, Glen Allen, Mechanicsville, Midlothian, Fredericksburg, Chester, Petersburg, and surrounding areas.
Grace Auto Sales & Service is Richmond, Virginia's trusted bilingual used car dealership specializing in ITIN car loans, matrícula consular financing, and pre-owned Honda and Toyota vehicles. Whether you are searching for a used Honda Civic under $10,000, a family-sized Toyota Highlander, a fuel-efficient Toyota Camry Hybrid, or a reliable Honda CR-V for your daily commute, our inventory has options for every budget, with vehicles priced fairly from real-time market data.
As a women-owned, family-run dealership since 2016, Grace Auto has built its reputation on transparency, honest pricing, and welcoming families that other Richmond car dealers have turned away. Our bilingual finance manager works with a network of trusted lenders, including Capital One Auto Finance, Westlake Financial, Virginia Credit Union, Langley Federal Credit Union, and Argent Credit Union, to structure car loans for customers with ITIN numbers, foreign IDs, cash income from restaurants and construction work, and new or no credit history.
Located at 8701 W Broad St in Richmond, VA, near Short Pump, we are proud to serve Richmond, Henrico, Chesterfield, Glen Allen, Mechanicsville, Midlothian, Fredericksburg, Chester, and Petersburg. Every used Honda, Toyota, Lexus, Acura, or other pre-owned vehicle in our inventory undergoes a comprehensive inspection by our skilled technicians before it is offered for sale, so you can drive home with confidence.
Sí, hablamos español. Call or text (804) 348-0280 to speak with our bilingual team, or browse our complete inventory online.
Call, text, or visit us. Our bilingual team is ready to help, no pressure, no judgment, just honest help finding the right Honda or Toyota for your family.
Browse online
214+ vehicles
Updated daily
Visit our lot
8701 W Broad St
Richmond, VA 23294
Near Short Pump
Visit our used car dealership conveniently located in Richmond, VA, near Petersburg, Mechanicsville, Chesterfield, Henrico, and Colonial Heights
Grace Auto Sales
Street address:
8701 W Broad Street
Richmond, VA 23294
Phone:
(804) 348-0280
| Day | Sales Hours |
|---|---|
| Monday | 9:00 AM - 8:00 PM |
| Tuesday | 9:00 AM - 8:00 PM |
| Wednesday | 9:00 AM - 8:00 PM |
| Thursday | 9:00 AM - 8:00 PM |
| Friday | 9:00 AM - 8:00 PM |
| Saturday | 9:00 AM - 8:00 PM |
| Sunday | Closed |