In house financing to help you establish your credit. Good credit, bad credit, or no credit Russell Smith Auto is here to help you finance. Our financing helps you establish or reestablish your credit. We have a wide selection of used cars, trucks, and SUV's and all vehicles come with limited warranty of six months or six thousand miles (whichever one comes first). All you need to bring is: Your I.D. or D.L Proof of income Proof of residence and 6 references.