We have two convenient locations near Louisville, KY:

● Knox Budget: 716 S Dixie Hwy, Muldraugh, KY 40155
● Radcliff Budget: 1535 S Dixie Hwy, Radcliff, KY 40160

Both are right on Dixie Highway, just minutes from Fort Knox!

You bet he is! Tony Malito is a Hardin County native, born and raised right here in Kentucky. He’s a real person with a real passion for helping folks drive a nicer, newer® vehicle!

We believe that everyone deserves a nicer, newer vehicle, regardless of credit or past financial struggles. We fight for YOU to get the best deal possible, working with lenders who say YES when others say no!

We know life is busy, so we keep flexible hours:

• Monday – Thursday: 10 AM – 8 PM
• Friday: 10 AM – 7 PM
• Saturday: 9:30 AM – 6 PM
• Sunday: Closed

It is our proven 4 step process that is designed to help get you approved and find the perfect vehicle that fits your wants, needs, and Budget.

Both Knox Budget and Radcliff Budget are owned by Tony Malito and share the same values and principles. Although the management and sales staff are completely different. And yes, we also share inventory so if you see something you like at one location but prefer to do business with the other, we can have that vehicle taken to the other location for you.

Absolutely! Check out what real customers are saying on Google, Facebook, and Yelp. We take pride in our 5-star customer service!

Law requires a person to be 18 years old to legally enter into a contract.

We have a large selection of vehicles, most of which are newer models with low mileage and under factory warranty. We also have some older, high-mileage vehicles, and as a Budget franchise, we have access to thousands more nationwide.

All our vehicles are priced at or below market value. We believe in fair pricing, not inflated prices like other dealers.

Because pricing changes daily! We use market-based pricing to ensure you’re getting the best deal, not outdated numbers. Call or visit us for the best price!

Yes! Every vehicle we sell is Carfax or AutoCheck verified for peace of mind.

Yes! Many of our vehicles are still under factory warranty, and we offer extended warranties for added protection.

Most lenders have a minimum amount they are willing to loan. Typically the lowest financing payment option is $150/mo.

We don’t set the rates—our lenders do! They base rates on credit history, equity, income stability, and other factors.

Yes! We can help you with financing during bankruptcy. We work with lenders and attorneys who specialize in helping clients with Chapter 7 and Chapter 13 bankruptcies.

Absolutely! Whether you want to finance with your bank or you need our dealership to help facilitate a loan. We recommend that you compare rates to find the best loan for you

No, it is our mission and goal to keep people out of Buy Here Pay Here situations and bad loans. We have lenders that work with all credit situations.

Yes! This means on-time payments help build your credit for future financing needs.

Absolutely! Bad things happen to good people. We have lenders who specialize in second-chance financing—even if you’ve had a repo or bankruptcy.

Yes, while some lenders have minimum income requirements, many of our lenders will work with fixed incomes.

Due to FTC laws, we can’t collect sensitive info over the phone, as a protection to our customers. You can apply online or visit us in person for fast approval! www.TonySaysYes.com

Yes! We love to help first-time buyers in our community. We have special first-time buyer programs to help you get approved with little or no credit history.

Not always! But having a co-signer can help you get better rates and terms.

Minimum credit requirements are different for every lender. We have lenders that will work with all types of credit situations from 0 scores to 800. We’ll do everything to help you get approved.

Yes! Many times people owe more than their vehicle is worth. Helping them out of a vehicle that has negative equity and into something nicer,newer® is one of our specialties!

YES! Even if we have to push, pull, or drag it in! You’d be surprised how much we’ll offer for your trade.

Absolutely! We’ll pay off your existing loan and get you into a nicer, newer® ride!

Yes! Bring your car in, and we’ll give you a competitive offer on the spot.

Absolutely! We will help you facilitate a new loan, and find the right vehicle that fits your wants, needs, and budget. Once that is complete we will pay off your current loan.

Google says the average car-buying process takes 1-14 days— from your initial research through car buying, but here at Budget for the People, we get it done in 2-3 hours and we work hard to make the process easy and stress-free!

YES! If you’re approved and find the perfect vehicle, you’ll be driving home TODAY!

We pride ourselves on strong customer service and we would like to personally talk to you about your wants, needs, and any transportation problems you may have. We want to be your trusted partner and walk you through the car-buying process.

Although we can deliver vehicles, we prefer customers to visit our location. This allows us to provide exceptional customer service and demonstrate how enjoyable the car-buying experience can be.

We inspect most of our vehicles in-house; some are also inspected by the auction they come from. Trade-in vehicles may be sold “as is” or as “mechanic’s specials,” and are not inspected.

• Driver’s license or valid ID
• Proof of income (pay stub, bank statement, etc.)
• Proof of residence (utility bill, lease, etc.)
• Trade-in title (if applicable)

No, we have several lenders that do not require valid driver’s license but you will need a valid ID.

You do not have to have a job to qualify, keep in mind if you are planning on financing a vehicle you will have to have some income.

Our vehicles come from a wide array of places, rentals, dealer auctions, previous fleet, lease returns, trade ins, and we also purchase vehicles from the public.

Yes, many times people need more than one vehicle, we have even seen couples come in to buy 1 and then decide to both upgrade at the same time.

Yes! We offer a 3-month/3,000-mile guarantee on any car under 10 years old with less than 100k miles.

Yes! GAP insurance covers the difference if your car is totaled before you’ve paid off your loan.

Yes! Many of our vehicles qualify for extended manufacturer-backed warranties (24-60 months).

While we prefer face-to-face service, we can arrange delivery in some cases. Call us for details!

You can start the process online, but you’ll need to finalize the paperwork in person.

We would love for you to visit us in person, as most customers end up choosing a different vehicle than they initially planned. However, we can send you videos or schedule a live video walkaround of any vehicle.

Yes! Being next door to Ft. Knox we deeply appreciate and value our armed forces. We honor our heroes with special discounts for military personnel, first responders, and civil service workers.

Promotions change every few weeks—check TonySaysYes.com or call us for the latest deals!

Sí! We have some bilingual team members and will also use translation technology to assist Spanish-speaking customers.

Yes! We want to help everyone find their perfect car, we’ll do whatever it takes to help them.

We don’t offer pick-up services, depending on your situation, we may be able to assist with Uber or Lyft if needed!

We encourage in-store test drives, but in special cases, we can arrange off-site test drives.