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What to Look For When Test Driving a Car  Jul 31st, 2019 

What to Look For When Test Driving a Car

So, you’ve gone through the process of buying a used car. Maybe you’ve gone through a private seller and are dead-set on a particular vehicle. Or, perhaps you’ve been approved for financing at a buy here pay here car dealership. Regardless of the situation, you should always test drive any used car, regardless of the warranty on the vehicle, the used car dealership assertions, or the way the car looks. Even if you trust the owner of the vehicle, test driving a car is a great way to make sure that you are satisfied with the style and driveability of the car before buying.

 

Here are some steps to take before signing off on your new set of wheels

1) Open the hood, start the car, and ask the owner about any odd sounds or jitters you notice.

Always start with the basics when it comes to testing your potential new car. You don’t need to be a mechanical wizard to be able to tell the difference between a healthy-sounding vehicle and a car that sounds like it needs work. However, sometimes, little sounds are hard to hear with the hood down. Additionally, you won’t be able to see how the belts and motor functions with the hood covering it. Ask questions about anything you see, even the smallest tick or suspicion. If you feel uncomfortable doing this, bring someone you trust along who knows about cars.

2) Pull out the dipstick and check the oil (once the car is stopped).

Next, pull the dipstick out of its place and check the oil. Make sure to wipe off the first pull out, stick it back into the gauge, and pull it out again. Check not only the level of oil in the car, but the consistency, color, and smell. If the oil is black, lumpy, and foul-smelling, chances are the oil has not been changed in quite a while and there might be issues with the engine as a consequence. Your car should have smooth, light brown (like the color of coffee with some milk or cream in it), slightly transparent, and should not smell burnt.

3) Do a walkaround before you drive the car.

Check the car for any issues before you drive it. Are there dings, dents, rust patches, or anything else that might indicate future issues or past incidents the owner left out? Don’t be worried about asking the owner about these issues and clarifying them. This will also show you noticed them before you take a test drive, in case the owner tries to blame you for these issues. This rarely will be an issue, but it’s always best to be proactive and plan accordingly.

4) Make sure to sit in each seat for a different perspective.

Sometimes, you miss things by just sitting in the front seat. Things like the comfort of the back seat, the safety of the passenger seat, or how the car handles as it goes over a bump are things that can be missed when observing just from one position. If you can have someone go with you for a test drive that would be ideal.

5) Check the brakes in different situations.

Not all braking situations are indicative of brake health. Be sure to check the brakes doing routine driving as well as coming to a stop quickly. You can test this by going to a dead-end or empty parking lot, driving at an average speed, and coming to a quick stop. After all, brakes are your lifeline in immediate stop situations. You’ll want to make sure that they work well always.

6) Check the steering.

The steering is one of those things you never want to go out. To be sure that it is working well, check your steering while driving in a straight line (again, something you’d want to do in a low-traffic or no-traffic zone). Turn the wheel right 35-90 degrees and left 35-90 degrees. Notice if there are any sticky points in the turn, whether the wheel rumbles at all or any other inconsistencies that might indicate your steering is not as healthy as it should be.

7) Check things that are important to you - radio, windows, air conditioning, etc.

After checking the important parts revolving around the car, it will then be up to you to determine whether the vehicle has the components you want. Is the air conditioning working? Does the radio play music well? Is the interior up to your standards? If these are deal breakers for you, then it is worth it to look into them before purchase.

8) Drive it with the windows up and with the windows down.

As you might with the popping of the hood, you might not be able to hear all the issues with the car with the windows only up or only down. Take the car to a quiet place and give it a drive around with the windows up, noting any interior sounds that might be odd. Then, do another trip around with the windows down, recording any engine, brake, or other sounds.

9) Take a peek underneath.

The undercarriage is a significant indicator of the health of the car, and sometimes private sellers will try to pass off problems by making the exterior look flawless. Get on your hands and knees (or have someone else do it if you are unable to) and check for rust, obviously broken or hanging components, or anything that looks off.

10) Feel free to ask clarifying questions after you’ve given it your inspection.

Finally, don’t be afraid to ask questions. You are the one purchasing the car, and any seller worth their salt will understand that you want to make a sound purchase the first time around.

Auto Now of Wichita stands behind its used cars and offers warranties on each vehicle they sell. However, we are here for you in case you have any questions after test driving one of our used cars. Contact us today at (316) 262-3000 or visit our South Seneca street location in Wichita for more information.

  
 
 
Understanding Wichita's In-House Car Financing  Jul 31st, 2019 

Understanding Wichita's In-House Car Financing

Wichita is a great place to live, but that doesn’t always mean that it is the most comfortable place to live. Across the country, people struggle to meet daily expenses, like food purchase, bill payments, and car payments. Wichita is no stranger to this struggle. The median household income for Wichita as of the 2010 census was $44,477. Splitting the median by demographic, Wichita men made over $10,000 more than Wichita women. However, compared to the national average, the median income is low regardless of gender. The national average salary is $61,372, as of the 2017 census bureau records. And with a national outcry over the meager federal minimum wage, it’s easy to see that even the national number is rarely enough to make ends meet.

If you’re in the demographic that struggles trying to make required payments, you’re not alone. Luckily, there are options for those who need financial help. For those who need assistance with car payments, in-house car financing at Auto Now of Wichita will help you get a reliable, affordable car without having to worry about processes like credit checks and large down payments. Not sure about how this works? Let’s walk you through the process.

Figure Out How Much You Can Afford

The first step in this process always starts with the customer, and really, it is essential for the customer to understand just where they are at financially. In-house car financing through Auto Now of Wichita is an inclusive process, and no one is ever turned away because of their credit history. However, there is a base amount of money that a person must make per month to qualify for vehicle financing. At Auto Now, that base number is $1200 per month. If you make this amount, you’ll be able to get a car at one of our locations, but you’ll want to figure out just how much you are willing to spend per month on a car payment. This will widen your vehicle selection while also preparing you to start making payments toward this extra expense.

Purchasing a car through a used car dealership is a bit different than buying secondhand from a private seller. This affordability step will be the first step in both processes, but after budgeting, you will not go shopping for cars. Instead, you’ll apply for financing.

Apply For Financing Through Auto Now of Wichita

Once you have a handle on your budget, head over to the Auto Now website to apply for financing. This is a quick and easy process and only requires around twenty minutes of your time. You’ll fill in personal details, like your income, references, monthly expenses, and other useful financial information that will help Auto Now determine what your monthly car payment should look like. Once you’ve filled out the form, then you’ll submit it and wait to hear back from the company.

Meet With a Sales Representative

Getting approved for credit doesn’t take very long, unlike applying for a loan through an organization like a bank. Generally, a representative of the buy here pay here lot will get back to you within 24 to 48 business hours. Once you’re approved, you’ll meet with a sales representative, who will provide you with an overview of what the company is prepared to offer you as far as financing. Be sure to ask questions at this point in the process - it will help you in the long run and will make sure that you are ready to accept the terms of your agreement. The terms of your financing offer include how much they are willing to offer you, how much you would end up paying per month, and how much you would likely pay in interest over the length of the loan (as well as your interest rate).

Remember that car financing through buy here pay here lots are loans and have the same sorts of terms and stipulations as a bank loan. Be sure you are prepared to take on the responsibilities of a loan before applying!

Look at Cars That Fit Your Budget

After you feel comfortable with the terms of your financing offer, a car salesperson will show you cars on the lot that are affordable under your financing options. Typically, there will be many options for a person to choose from, regardless of how much they were offered as a personal loan. You can choose a car the same day, or you can wait and revisit the lot if you don’t see anything you like or if you need time to think about it. The point of in-house financing is to provide people with options despite their credit history.

Sign the Papers & Drive!

Once you’ve picked out your car, all you have to do from there is sign the ownership papers and the car is yours. For many who apply for financing at a used car place like Auto Now of Wichita, driving away with a car the same day is a pretty common occurrence.

The sense of freedom from weighty personal bank loans and months of savings is only one of the advantages of buying through a buy here pay here establishment. If you can afford to put a down payment on a car, you’ll spend even less time than you would paying back your car. Buying from a buy here pay here car lot gets you quality used cars quickly, without the wait of bank loan applications and without the fear of getting a lemon from a private seller. Additionally, buying a used car saves you money down the line, unlike a new car.

Take advantage of in-house car financing with the offers available at Auto Now of Wichita. As well as our location on 1660 South Seneca Street in Wichita, we have locations all over Kansas and Missouri. Our site offers a quick and easy application process, competitive interest rates, approval regardless of credit scores, and a wide selection of quality used vehicles to choose from. For more information, call us at (316) 262-3000 to set up an appointment or click here to fill out an application today.

  
 
 
Reduce Your Car Expenses With a Buy Here Pay Car  Jul 31st, 2019 

Reduce Your Car Expenses With a Buy Here Pay Car

Does it feel like every paycheck you get goes toward your car? It can be expensive being a car owner. With gas prices consistently rising, the cost of maintenance going up, and the prices of vehicles, themselves also constantly straining the pockets of Americans, it can seem almost worthless to own a car at all. Car payments are the worst, for many of us. A vast majority of Americans who make monthly car payments pay almost $500 twelve times a year. That’s close to $6,000 per year to own a car in 15 years. These payments include interest, so those who own new cars end up paying much more than they initially set out to pay.

All these high prices aside, it’s undeniable that a car is a necessity in modern America. Less than 10% of Americans use alternative forms of transportation to get to work, but it’s impossible to skirt around working.

There’s good news for those of you feeling the sting of new car payments, however. You can reduce the number of expenses you pay on your car by switching to a used car, preferably a reputable one from a place like Auto Now Wichita. Here’s a little more about how you can save with a buy here pay here car, and how you can work on getting your new vehicle off your hands.

Selling a Car You Technically Don’t Own

If you’re looking to get rid of a new car, you’ve got to understand that the process is going to be a lot tougher than getting rid of a vehicle you own outright. If you’re thinking about trading the car in or giving it back to the dealer, the first thing to note is that it does not absolve you of the debt you owe on that vehicle. When you signed the papers to get that vehicle, you took out a loan for the worth of that car, and that worth is still owed to the dealership regardless of whether or not you ended up owning the vehicle. The reason why you still owe this amount? It is likely that the dealership will not be able to sell that car for its asking price, which means that the risk they took in lending to you as a buyer ultimately cost them money.

If you made a substantial down payment on your new car when you first got it, and you’ve been making consistent payments for quite a while, chances are good you don’t owe a whole lot on your car, and your payoff amount won’t be that much. From here, you have a few options. You can return it to the dealership and pay the remaining balance of the loan, have another potential owner take over the lien payments by transferring ownership, or work out an agreement with your potential buyer where they pay for the car, you pay the dealership the payoff amount, and then you sign over the title once you own the vehicle. The last scenario involves a lot of paperwork to ensure everyone gets what they paid for legally, but it has the most significant potential for profit. If you can work it so that you make a profit from the sale of your car while also paying off the rest of your debt to the new car dealership, you’ll be able to use the profit to put a down payment on a reliable used car.

Why Buy Used?

Used cars can be just as reliable provided that they are purchased from a reputable seller. Here are some of the best reasons why you should buy your next used car from a buy here pay here lot like Auto Now of Wichita.

  • Credit Doesn’t Matter. Unlike new car dealerships, credit scores don’t matter when it comes to obtaining financing. However, if you have a high credit score, you could save more than you did on interest over the length of your car loan. Not only is the payoff time and amount smaller, but interest rates are usually competitive.
  • Down Payments Help You Save. Down payments on used cars are much more reasonable than they are on new vehicles. If you have enough leftover from the sale of your last car to make a hefty down payment on a reliable used car, you’ll end up paying less over time.
  • Buy Here Pay Here Lots Are Accredited. Look for the NIADA certification on a dealership’s business windows or website. This acronym (National Independent Automobile Dealership Association) shows that the cars in the NIADA-certified dealership are inspected and held to high standards before being sold to customers. Even as secondhand cars, it is possible to ensure quality and reliability if the vehicles are well-maintained. Getting a quality car means you pay less on the maintenance of your used car.
  • Spend Less on Gas. New doesn’t always mean ecologically friendly. Many of the newest SUVs and Trucks available get terrible gas mileage. If you’re regretting the purchase of your gas-guzzler, consider trading in for a used sedan or mid-size SUV with better gas mileage. That way, you’ll save on monthly car purchases and gas.
  • Buy Here Pay Here Dealerships Help You Budget. New car dealerships pay special attention to your credit, and that’s not always a good thing. Often, that means they neglect to consult with you on your other monthly expenses - something which can make or break a financing deal. Buy here pay here dealerships like Auto Now focus our financing offers on your monthly purchases and income, helping you understand precisely how much you can afford to pay each month on a car.

Still not convinced a used car is right for you? Let one of the reputable associates at Auto Now in Wichita sway your mind. We’ll help you figure out the best way to deal with your current car payments and will get you set up with financing for a used car if you are looking to save on monthly car payments. Find out more today by stopping into our Wichita location at 1660 South Seneca Street, or calling us at (316) 262-3000.

 
 
 
How to Find a Reliable Used Car Without Breaking Your Budget  Jul 31st, 2019 

How to Find a Reliable Used Car Without Breaking Your Budget

Most Americans will own a used car at some point in their lives. Used cars remain far more popular to purchase in the United States than new vehicles do. In 2018, 17.2 million new cars were purchased in the United States. When compared to the used car number, people were buying over 20 million more used cars than they were new cars.

Why? For a variety of reasons. Buying a new car is expensive, first and foremost. It usually requires a hefty down payment, as well as a credit check. For many, the expense of a down payment is enough to break their budget, completely wiping out their savings account and putting them at risk to be unable to cover unexpected expenses. For others, credit scores mar their history and make it hard for them to obtain financing.

But the 17 million new cars sold in 2018 show that there is a reason that people seek out new cars - reliability. There’s this unspoken opinion that all used vehicles have something wrong with them. If you’ve believed that opinion, we’ve got news for you.

Ways to Find a Reliable Used Car Without Breaking Your Budget

Budget & Aim Low

The first step in any financial endeavor is to budget. Budgets are helpful even if you don’t adhere to them strictly, as they give you an insight into how much you spend each month and yearly. Consider all your monthly obligations - rent, mortgage payments, healthcare, and otherwise and then subtract all your expenses from your paycheck. The amount you have left over represents the total extra money you have to spend per month. Always leave room for personal purchases, like nights out, as well as setting some aside into savings. From there, figure out how much you would be comfortable making on car payments each month. This will guide you toward a car budget.

Typically, it’s worth it to purchase a used car that is reliable over a sporty car. It might be tempting to buy a fun and flashy vehicle within your budget, but reliable used cars like Toyota Camrys, Honda Civics, and others are built to last, saving you repair costs down the line.

Research Cars

In the same manner of thinking, it is also worth your time to research cars before purchasing them. You might like the looks of a car and then upon doing research come to find out that it has a horrible track record for repairs. If you plan on buying used, you typically aren’t going to find precisely the car you want, anyway. Having greater knowledge of cars will allow you to make decisions on the used cars you do come across, providing you information like market value, common problems, and upgrade options.

Do a Once-Over Of the Exterior of the Car

If you’re at the point where you’re thinking about purchasing a car, the next step is to set up a meeting with the car owner or dealership to take a look at it. The first thing anyone should do is do a walk-around of the exterior. Note any rust spots, as these could become an issue down the line and might indicate the overall health of a car, which could save you money on buying a vehicle that will need many repairs. Check under the hood and check the quality of the fluids. Additionally, look for any issues that might be signs of previous fender benders and make sure to ask the person or dealership you are buying from questions about blemishes, even if they are as little as a ding on the hood. Knowing a vehicle’s history keeps you prepared and helps you understand where it is in its life.

Do a Test Drive

Always test drive your cars to make sure there is nothing wrong with them. You’d be surprised what you can find when you’re not parked. Test the steering, brakes, windows, acceleration, and drive the car with the windows open and with them closed - listening well each time. If you notice anything off about the vehicle, think about taking it to a trusted mechanic for a second opinion.

Consider Financing With a Reputable Buy Here Pay Here Lot

If you can’t imagine affording the full payment on a used car from a private seller, or you just don’t trust yourself to make a good decision on a reliable vehicle, you should work with a reputable buy here pay here car dealership like Auto Now of Wichita. Always buy from dealerships that offer warranties on their cars, like Auto Now, as this indicates the vehicle has been inspected before being offered for sale, something many car lots don’t do.

Make a Down Payment if You Can

We’ve all had those moments where we scream at our past selves for doing something that makes it harder for our present and future selves. Perhaps you forgot to change the toilet paper roll after the last bathroom trip, maybe you let days’ worth of dishes pile up, or maybe you forgot to pay a credit card on time and got slapped with a late fee. It’s moments like these where you wished you had been kinder to yourself in the past. Do yourself a favor and make a down payment on a car if you can. While it might seem hard at first, it could save you hundreds or thousands of dollars down the line.

In short, the best way to save a lot on a used car is to do your research and consider working with someone who knows their way around a vehicle. That will save you from purchasing a potential lemon and will help you pick a car that is right for your lifestyle and will stand the test of time.

For reliable used cars at a great price, work with Auto Now of Wichita on South Seneca Road. With hundreds of quality pre-owned vehicles at competitive prices, we help everyone find a car that they can afford regardless of their credit history. Simply fill out an application online or give us a call at (316) 262-3000 to get started on your budget-friendly car purchase today.

 
 
 
What Are The Benefits of Buying a Used Car?  Jul 31st, 2019 

What Are The Benefits of Buying a Used Car?

When you dreamed of owning a car when you were a kid, you probably were thinking about the fanciest, shiniest car on the lot. You imagined the newest model with all the fun bells and whistles on it that would make you look like the cream of the crop as you drove around town.

Then, you got older - and reality eventually hit you. Buying a new car isn’t all that it’s cracked up to be. It comes with hidden fees, substantial monthly payments, and significant sales tax. There is a way around the disappointment involved in the new car buying process. The secret? Be open to buying quality used cars. Auto Now of Topeka knows that they can help you with your next car purchase by showing you quality used vehicles that are just as nice as the newer models you might have your eye on. Here are some of the reasons you should feel confident about buying a used car.

Less Time Spent Paying Off Your Car

Auto loans and in-house financing options for new cars are set up to allow the buyer to pay less per month over a more extended period. As a result, more people can afford cars they initially didn’t think that they could. The consequence of this, however, is that it takes a lot longer to pay your vehicle off. Most in-house financing deals on new cars are set up for 15 years. Over that period, interest accrues at an alarming rate. Eventually, you’ll end up paying way more than you originally bargained for. Instead of letting your payments get out of hand, purchasing quality used vehicles will allow you to pay off your car in months rather than years, and will ensure that your monthly payments are high enough that you avoid paying mounds of interest but low enough that you don’t feel strained for money each month.

Skip the High Sales Tax

Many people who purchase cars forget that sales tax is not included in a car’s advertised price. This can come as a shock to those interested in buying new cars, as sales tax can reach $10,000 or more on certain new cars.

Used cars have lower taxes because they are not as expensive. Therefore, you pay less on the overall price of a car as well as less on the sales tax you weren’t expecting.

Lower Down Payments

If you’re searching for a car to purchase, you’ve probably prepared yourself for the likelihood of a down payment. New cars usually require a down payment, regardless of how much you intend to pay on it each month. The rule of thumb with down payments on large purchases is that you pay 20% of the purchase - which can add up to an entire purchase of a used car, in the thousands.

Many used car places don’t even require you to put a down payment on a car - they’ll work with you to factor it into the payment of the car itself. However, if you do end up needing a down payment (or willingly paying a larger down payment to lower your overall cost), the down payment will be much less expensive than what you might pay on a new car.

Competitive Interest Rates

If you have previous credit issues, interest rates probably have you scared. Fortunately, you don’t have to worry about interest rates at buy here pay here dealerships. Their interest rates and payment plans are intricately worked around your financial needs, which means they help you pay as little as possible over time. Their interest rates are competitive to those in the mainstream lending field, but as long as you meet monthly income requirements, you’ll never have to worry about paying more than you should.

Reputable Dealerships Sell Them Pre-Inspected

Many states have inspection laws, and in those where there are none, it can be a worry for used car purchasers that they might get the wool pulled over their eyes during a sale from a private seller. Buy here pay here dealerships have to meet rigorous federal standards for sale, and most of them sell their cars pre-inspected. This means you save on initial inspection costs as well as having the security of knowing your vehicle is safe and reliable.

Saving Gas & The Environment

We’ve all heard the statistics that the majority of the greenhouse gas pollution that happens in the lifetime of a car comes from initial production at the factory. Any time you purchase something secondhand, including a car, you are lowering the demand for new cars and therefore reducing the amount of new car production.

Additionally, some of the newer models of cars don’t get as good mileage as the older ones. It’s best to research the vehicles you like before getting a newer model. You might find you’ll save some money on gas buying an older car, as well as lowering your carbon footprint.

No Worries About Depreciation

New car buyers often worry about their car’s depreciation - will they be able to sell it for enough money when the time comes for them to purchase a new car?

With used cars, you never have to worry about depreciation because it has already happened. If you buy a vehicle used, keep it well-maintained, and make sure it is in proper working order when you try to sell it, you’ll be likely to sell it for close to what you purchased it for.

Anyone is Approved For Financing

At reputable used car dealerships, like Auto Now of Topeka, you don’t have to worry about being denied financing options if you really need them. Auto Now of Topeka has an easy-to-use online application that asks you basic information about your financial health. Rather than relying on your credit score, they make sure that you make a base income each month (for Auto Now of Topeka, this base income is $1200 after taxes) and they offer you a financing amount based on the information you provide them.

Still not convinced? Come down to Auto Now in Topeka, Kansas and let us talk to you more about the benefits of buying a used car. Visit us at 116 Southeast 29th Street or give us a call today at (785) 266-6300 for more information. To get started on an online application, please fill out this form. Once completed, hit submit and a representative will be in contact within a business day.

  
 
 
The Best Used Car Financing Tricks in Topeka  Jul 29th, 2019 

The Best Used Car Financing Tricks in Topeka

Used cars aren’t just for teenagers anymore, and they certainly aren’t the clunkers that movies and popular media make them out to be.

They are increasingly becoming one of the most popular car-buying options in the United States. There are many reasons behind the increase in used car buying. Between low national minimum wages and high costs of living, it often makes sense to buy a car used. For some, buying new comes with the worry of large monthly payments. One of the biggest reasons that people are buying used, however, is because of the increase in the costs of new cars. A 2017 New York Times article pointed out that the price of a new vehicle jumped 13% between 2011 and 2015. That cost only continues to rise, making it hard for most people to enjoy the luxuries of a new car.

For those with credit issues, new cars might seem entirely out of bounds. Most new cars cost upwards of $35,000, and even some used cars can cost much more than most are willing to spend. However, it’s often no picnic trying to finance a used car through your bank or credit agency. This causes many who need a reliable used car to spend thousands on a junker they bought secondhand from a private seller. For those of you in Topeka, Kansas, there are more reliable options for financing and purchasing a used car. Auto Now of Topeka is one of the many options. Here are some of our tricks for finding the best used car financing available to you.

Get Preapproved to Avoid Any Issues Down the Line

Preapproval for a traditional loan looks like this: You’ll fill out an application for financing. The application will likely ask you about personal financial information, like how much you make each month, a quick peek at your credit scores, and perhaps a look into your credit history. Many financial health gurus recommend starting with a bank or financial institution you know, like your bank. There are often insider rates and deals that you can sometimes leverage using your own bank.

However, if your bank uses credit scores and credit history to determine your lending amount, you might run into issues if you have previous credit issues. If this is the case, getting preapproved at a buy here pay here dealership like Auto Now of Topeka can help you avoid running into problems with credit applications and help you get the used car financing options you need quickly.

Ask Relatives and Friends For a Loan

Of course, used car buying comes with some upfront financial commitment regardless of your financing options. Whether you end up making a swift first-month payment or a down payment, you’ll need to have some money to make a partial payment. If you have credit and/or income issues but need a car, this might be a good instance in which to ask a relative or a friend for a loan. They often can help you get ahold of the used car financing options you need without having to go through the pain of applying to multiple lenders and getting denied.

Each credit inquiry made on your credit history factors against your credit score, so even those trying to make a positive impact on their credit score by applying for other credit accounts might face harsh consequences for multiple applications. Having help from relatives to make a down payment on a car from a buy here pay here dealership, which provide financing options to you regardless of your credit history.

Shop Around for a Good Interest Rate

Many first-time car funding seekers will just hop on whatever deal they get first and ride away with it. That’s not the best way to go about car shopping, even if you are worried about your credit history and ability to get financing. Get preapproved for loans -- this will involve you filling out an application and waiting to hear about approval. Once you are preapproved, you will see what types of interest rates you are looking at, and you’ll be able to pick from the best rate. This will save you money over time.

Most buy here pay here dealerships offer preapprovals for financing, like Auto Now of Topeka. Read on to see how the financing process works at buy here pay here dealerships.

Get Started With a Buy Here Pay Here Car in Topeka at Auto Now

Buy here pay here financing is one of the best ways to get funding quickly, regardless of your credit history. First, you start with an application, like the one found here. You’ll be asked about your monthly take-home income, as well as other financial obligations you might have. After this, you’ll be approved for a certain amount, and the dealership will walk you through the types of cars they have available on the lot within that financing range.

Work on Your Credit

It might seem that working on your credit is easier said than done, but there are many easy ways that you can work on your credit, and not all of them involve you foregoing a car purchase until your credit score improves. Credit score improvement does take time, but it’s possible to lower your score in a manner of a few months and make yourself available to better future lending options.

  • Start making regular monthly payments to all your open accounts again.
  • Consider paying more on each debt account, if you can (this looks good in the eyes of credit agencies).
  • Work toward paying off some of your credit accounts. Start with the lowest and work your way up. Financial experts have said this is the best way to stay motivated toward paying off your debts.
  • Consider working with a buy here pay here car dealership. Your on-time payments toward your car will improve your credit score, and you won’t have to worry about being denied funding based on your credit score.

We have more financing tricks up our sleeves at Auto Now in Topeka; you’ll just have to stop by our dealership to learn more about them. Call us at (785) 266-6300 today to make an appointment, or click here to get preapproved for financing.

  
 
 
Should You Shop Online For a Buy Here Pay Here Car?  Jul 29th, 2019 

Should You Shop Online For a Buy Here Pay Here Car?

The internet is a necessary tool in today’s modern age. The average American spends a full day of their week on the internet - that’s 24 hours every seven days playing games, reading their email, doing online shopping, chatting with old friends on social media, and more. As a result, more and more businesses have taken to doing things online, and this includes private sellers and everyday people trying to make a quick buck online. Because of this, the number of secondhand car sales has risen significantly in the past year. And even more impressive - secondhand car sales have shifted from being something done in-person to something done online.

Craigslist, LetGo, and other platforms for secondhand sales have become quintessential to the used car buying process. However, when it comes to purchasing a used car from a secondhand dealership like a buy here pay here dealership, it doesn’t always help the buyer out to shop online. Here are a few reasons why you should avoid shopping for a buy here pay here car online and instead opt to visit the dealership in person.

Unless You’ve Got Cash In-Hand, You’re Going To Need to Apply For Financing

Very few people show up at buy here pay here dealerships with the right amount of cash to purchase a car outright (although, it does happen from time to time). If you can’t afford to buy the vehicle you were looking at online outright, you’re going to have to find outside financing, which always has a limit. If you opt to go the bank or traditional lender route, you will not only have to go through a credit check, but you will have to provide information about the car that you are interested in. If the vehicle you are interested in costs more than the amount they are willing to lend to you, you will be denied financing and your online shopping will be in vain.

Meanwhile, if you apply for financing through a buy here pay here dealership, you will not be denied financing unless you don’t meet the dealerships age and income standards. However, you will be given a spending limit. Unless you have an excellent idea of what your spending limit will be with that organization, you also run the risk of not being able to afford the car you were shopping for online.

The Car Buying Process is Slightly Different

Buy here pay here dealerships suggest following different purchase steps when buying from them. Instead of scoping out specific cars in their inventory beforehand, they recommend coming up with a general idea of what you want in a vehicle. From there, you will be able to apply for financing and will be approved for a specific amount. Once you are approved, a salesperson will walk you through the amount you’ve been approved for as well as the cars on the lot that fit your budget. Finally, you’ll be able to pick out a car within that budget.

Overall, this is a win-win situation for you. You get financing regardless of your credit history, and you can be confident in the fact that you will never pay more than you can afford on a car because that is how buy here pay here financing is set up.

You’ll Get More Out of Meeting With a Salesperson

Let’s face it. If you’re buying from a buy here pay here dealership, you likely want the comfort of knowing that the purchase you’re making is going to be a good one. There’s no way to determine this online from a secondhand dealer, and it’s harder to know what you’re looking for in a car just viewing it online. By meeting with a salesperson on-site and talking through your questions, car buying stipulations, and other uncertainties will help you understand the best car deal for you.

You’re Going to Want to Test Drive it First

Say you know how much you’re going to get in terms of financing. You’re prepared to make monthly payments and even put a down payment on a car. You’ve even got the perfect car picked out for your budgetary needs.

You’re still going to want to test drive it.

Test drives are an essential part of buying a new or used car. They not only determine whether something is wrong with the vehicle that might not have been mentioned online, but they help you see whether your love for that car was better in theory than it was in practice. Many times, people will love car reviews, the way it looks, and the way it supposedly drives without thinking about minor but very crucial things. For instance, will they be able to fit in the driver’s seat? Are there any blind spots because of your height? Is the interior hideous? Seeing it in-person might help dispel any sensationalism you might have about the car.

You’ll Likely Want to Keep an Eye Out For Other Deals

If you’re buying cars online, chances are you’re not dead-set on purchasing a specific vehicle. You likely have a list of Craigslist links, used cars you’ve favorited on secondhand sales apps, and bookmarks of used cars you’ve seen advertised in local ads. The reason you have so many vehicles saved? You’re looking for the right vehicle. One that is both a deal and something that you like.

At a buy here pay here car dealership, you’ll be able to look at a wide variety of cars that you might like and that are in your price range. The best part? You won’t have to look back through craigslist or your internet browsing history to compare. You’ll have all your choices right there in front of you.

Are you looking for a great used car at an affordable price? Start by applying for financing on our website. You’re not tied to any commitments until you sign ownership papers, and getting started on the financing process will help you know what we can offer you. Once you’ve applied and been approved for financing, browse our selection in-store at 1404 East Santa Fe Street in Olathe, Kansas. Don’t rely on the internet when you can get fast, friendly help at Auto Now in Olathe.

 
 
 
5 Signs You've Found a Trustworthy Used Car Dealer  Jul 29th, 2019 

5 Signs You've Found a Trustworthy Used Car Dealer

We’ve all heard horror stories about used car dealerships. The ones that slap a cheap coat of paint on a car and do a quick interior detail to make it look shiny and new. Buyers are lured in by the fresh car smell and the flashy looks and fall instantly in love, even though the car doesn’t have a buyer’s slip on it and that they forget to take it on a test drive. They drive the car off the lot, and a month later its engine goes out, leaving the buyer out thousands of dollars. The used car dealerships insist that they didn’t know about the issues, but they don’t offer to do anything about it even though the customer only had it for a month.

The fear of this happening to the average person is so virulent that this has become the go-to version of every used car dealer - the lemon salesman, the shark, and the rat. However, deals like this are few and far between for many reasons. More often than not, your local used car dealer is going to be your beacon to great deals because of their knowledge and ability to help you out. Legally, they have sales rules they must follow that benefit the customer, and it is in their best interest for the long-term success of the business to help out the customer. After all, their inventory is their livelihood.

While it is unlikely that you will purchase a used car from a dealership that doesn’t work out from you, there are signs that you are working with a trustworthy used car dealer, like Auto Now in Olathe. Whether you visit us or go somewhere else for your car needs, make sure that your car dealer follows these five trustworthy signs.

They Are Willing to Answer All Your Questions

Most first-time buyers come to the shop with many questions. Even after reading the buyer’s slip and seeing what (if anything) is wrong with the car they are interested in, they will still want to make sure that they are getting their money’s worth. Any time you buy the vehicle, you should perform an inspection of it and test drive it. Turn the engine on, listen to it, check the fluids, check the interior, look for rust. If you see anything that is questionable, this would be an excellent time to bring it up to someone at the dealership.

If you do this and are met with resistance, or worse, if the dealership tries to dissuade you from test driving and/or performing an inspection of the car, these are signs you should turn and run. Salespeople at reputable car dealerships are trained to be trustworthy and loyal to all their customers, regardless of how many questions they ask. They will know that your questions are likely based on your preference and needs, and will make sure that you get the best car possible as you ask those questions.

They Are Certified by NIADA

NIADA stands for the National Independent Automobile Dealership Association. They are an organization committed to promoting transparency and safe car buying for customers who might be purchasing used cars. They boast that “every NIADA Certified Pre-Owned Vehicle comes with peace-of-mind and reliability.” To be NIADA certified, a car dealership must pass rigorous standard checks that are put in place with the customer in mind. While failure to have a NIADA certification doesn’t necessarily mean that an organization is terrible, having it is a good indication that you can trust a purchase from that car dealer.

They Don’t Pressure You To Make Any Decisions

Movie portrayals of salespeople often get this right about untrustworthy salespeople. Anyone who is adamant that you make a particular purchase, or even that you make a purchase the same day that you visit the car dealership, likely has their own motivations. A genuinely trustworthy dealership will walk you through the process without pressuring you to decide on the spot. At Auto Now in Olathe, Kansas, your approval for financing stays valid even if you don’t pick out a car the same day you come in to talk about your loan offer. That way, you’ll know how much we are willing to lend you, and you can keep an eye out for a car that you truly want.

They Provide a Vehicle History

Vehicle history is an integral part of car ownership. It gives you insight as to what to expect for repairs down the line, as well as giving you an idea of how much the car is worth based on the number of owners and accident history. Legally, used car dealerships are supposed to provide their customers with a vehicle history as well as a buyer’s sheet that shows what is wrong with the car before they sell it. Trustworthy car dealers will provide you with both these things because they want to be transparent. Failure to show these documents might mean that the seller is trying to make you pay more than what the car is worth.

They Have a Wide Range of Reliable Cars

Have you ever seen a little independent seller pop up, showcase five to ten vehicles, then go out of business a year later? The reason is that they did not put enough time and effort into the selection and sale of their cars, and they likely made a deal that didn’t sit well with a customer. A good buy here pay here lot will have the financial ability to pay for an array of quality cars so that their customers have an excellent selection to choose from. This is just one more indication that the car dealership has your best interests in mind rather than their own.

For a car dealership that hits all five of these signs, take a trip to 1404 East Santa Fe Street in Olathe, Kansas to meet with our salespeople and take a look at our diverse inventory. If you need financial assistance, we assure you that everyone who applies for financing is accepted regardless of credit. Call us today at (913) 764-8989 for more information.

 
 
 
Understanding Used Car Financing in Independence  Jul 29th, 2019 

Understanding Used Car Financing in Independence

Used car financing is tough because it’s not advertised like or talked about as much as new car financing. Big car companies leverage platforms like television ads to spark your attention and grab you. However, small companies like buy here pay here dealerships don’t always have the tools to advertise during prime time like nationwide car companies do. The result of not having as significant a presence in everyday life as new car ads is that a lot of misinformation is spread regarding buy here pay here dealerships.

Used car financing is a straightforward concept. It only requires a little explanation in exchange for great benefits. Let Auto Now in Independence, Missouri, run through the process of financing a used car so you can see if working with a buy here pay here dealership might be right for you.

Applying Online

Most buy here pay here dealerships have online applications. These applications ask you basic information about your spending habits and your income. Additionally, they might ask for proof of income (like W2s, direct deposit slips, or tax return information) and references. Although each buy here pay here dealership is different, most will not require you to run a credit check. They will likely still have approval terms, however. The conditions at Auto Now in Independence include meeting age, income, and licensure requirements.

How Credit Approval and Income Verification Are Different

You might be reading this wondering how income verification is any different than credit approval. Credit approval requires making an inquiry to credit agencies about your credit score. This process usually takes a day or two and is extremely invasive - showing your payment records, number of existing loans, and how many previous credit checks you have had in the past seven years. Although this is meant to show your overall trustworthiness when it comes to your ability to repay a loan, it often neglects to take into account student loans, your successful payment history, and other personal accounts. In other words - it doesn’t show that you can’t pay back a loan, it just indicates certain things about your credit accounts.

Income verification looks at how much you make each month and compares it with your monthly costs, and it is the method that most buy here pay here dealerships use to determine lending amounts. This not only gives buy here pay here dealerships a better idea of how much you can afford to pay each month, but it also helps you understand, as well.

How is Buying a Buy Here Pay Here Car Different?

Buy here pay here car shopping is a little different than purchasing a new car and even different than buying a vehicle from a private seller. First, you do not have the full amount of the car upfront to purchase it, nor do you have to seek outside funding to buy the car. These establishments will work with you to provide a loan without you having to go to a bank and achieve the amount from a traditional loan. The payoff time is also a lot shorter than typical new car loans, which can span as many as fifteen years.

Finally, one thing to recognize with buy here pay here lots is that the method of purchase will be much different than new car purchase or purchase from a private seller. Rather than picking out the exact car you want beforehand, you will apply for financing first. Then, a verified and knowledgeable salesperson will help you make a reliable and affordable choice from the cars on the lots. In almost all instances, people drive away with a vehicle they are genuinely passionate about. However, for those who aren’t sold on their first visit, it is always possible to hold out for a car you like without having to reapply for financing.

Why Buy Used Cars in Independence?

Everyone has their reasons for buying used, but here are some of the biggest reasons we hear about from our Independence, Missouri customers.

  • Keep it Local. It’s hard to know where your money goes when you give it to big car companies. Additionally, loans from national and global banking industries also don’t contribute to the local economy. Auto Now is a proud contributor to the local community, so you can know that your money stays local and is well-invested.
  • Save Money on Interest Rates. New car loans allow their borrowers lower payments. However, these payments stretch out the repayment period, which ultimately tacks onto the total interest paid. Escape steep interest rates by buying reliable used cars, like the ones sold at Auto Now in Independence, Missouri.
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  • Spend Less Time Applying for Financing. Applying for bank loans is genuinely exhausting. It requires comparisons to other banks, multiple credit checks, and usually more than one visit to a local branch. Additionally, there’s no guarantee that you will be offered financing - it’s all dependent upon your credit score. The application process at Auto Now Independence is streamlined, meaning you spend less time applying and more time driving your car.
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  • Rebuild Your Credit. If credit issues are preventing you from getting a car from other lenders, financing through a buy here pay here dealership can actually help you rebuild your credit. Each on-time payment gets reported to major credit bureaus, and each on-time payment boosts your overall credit score. Additionally, you spend less time paying off your loan, which increases your financial savviness in the eyes of the credit industry.
  • Get Closer to Owning Your Car Outright. Don’t wait to own your car. Spend the least time paying back auto financing by buying used through a buy here pay here dealership. Once the loan is paid off, the car is yours (usually in as little as a few years)!

Now that you understand the used car financing stop on by Auto Now of Independence. We are located on 10500 U.S. Rte. 24, our lot has one of the biggest selections of used cars in the greater Independence and Kansas City area. For more information, call us at (816) 833-6900 or visit our website for more details.

  
 
 
Can You Get On-The-Lot Auto Financing If You Have Poor Credit?  Jul 29th, 2019 

Can You Get On-The-Lot Auto Financing If You Have Poor Credit?

Many of us have been there. Our old, faithful car unexpectedly dies out and leaves us stranded with appointments and jobs to get to. The time comes when we have to decide - do we try and make do without our car, make a big fix, take our chances buying a car with the little savings we have, or apply for financing with a bank or car dealership? Quite a few people skip the last option out of the fear that they will be denied credit, and that the credit inquiry will impact their overall score. However, far more people take the gamble and end up wasting their money on junkers they find from private sellers online.

If you knew that there was a way to navigate these problems, would you try and avoid them altogether? If you answered yes to that question, then you should consider getting your next car from a buy here pay here lot. Not only are buy here pay here cars usually backed by warranties, but it is possible to get financing from these places regardless of your credit history. Auto Now of Independence is one of those places that offers financing options to customers who might have felt hopeless about their credit and car situations.

Understanding The Credit System

To realize why the credit system is so rough on some people, as well as to understand how we can offer on-the-lot financing to our customers, let’s take a closer look at credit and what makes up a credit score.

  • Credit is a fancy term for debt. Credit companies collect this information from all your debtors and store it in their databases. This information also includes how much of your debts you have paid off, your rates of credit usage (if you have a card) and your number of on-time payments.
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  • Many large purchases require loans, and you must have a credit history to meet lending requirements. For those new to the world of credit, this often requires having a cosigner with a credit history vouching for your creditworthiness.
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  • To maintain an excellent credit score, you must have some form of debt. You can not have a single scrap of debt and have a 100% repayment history while also still having poor credit. Therefore, your credit score is not always an indication of how responsible you are with money.
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  • To improve your credit score, you must figure out the algorithm. There’s no single way to ensure you have a high credit score, and many credit customers are surprised by their scores. For instance,
    • Too many new credit accounts can hurt you. If you have a bunch of loans taken out within the past year, this can make your score lower.
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    • Too many old credit accounts can hurt you. If you are still working on repaying credits for a “longer-than-normal” period, this can also hurt your score.
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    • Owing too much on your credit accounts can hurt you. Credit card users with an excellent repayment history can also have poor credit scores because they have used more than 30% of their credit card allotment.
  • Credit scores can fluctuate drastically based on a single mistake. That one payment you couldn’t make last month because you needed to eat? That could cost you, regardless of how good you’ve been with payments in the past or how good you continue to be.
  • Unless you’ve figured out the sweet spot, you’re likely to have some credit issue at some point in your life.

What Needs to Happen to Build or Rebuild Credit

So, you’ve figured out that you need to rebuild your credit to get a car. How do you go about doing that? Here are some of the more common ways:

  • You need to pay back a majority of your debt, but not all of it.
  • You need to make more on-time payments.
  • You might need to argue with credit agencies to get past offenses removed.
  • If you have no credit, you’ll need to open up a few accounts.

Easier said than done, right?

In short, you can’t rebuild your credit overnight, which spells issues for those who need cash or a car fast. We’ll get into how on-the-lot financing can help your credit score relatively quickly, but for now, there’s one thing we want you to take away from this - you don’t need to have good credit to get a reliable used car. You can get on-the-lot auto financing regardless of your credit history.

What Does the On-the-Lot Financing Process Look Like?

Get the car you need today by applying for on-the-lot financing through a reputable dealership like Auto Now of Independence. The financing process is quick and easy. First, you do a little research on the types of cars you like. Be open during this process, as a used car dealership might not have everything you’re looking for. Next, apply online - all you’ll need is your driver’s license and a little bit of information about your income. When you’re approved, you’ll meet with a representative at Auto Now of Independence. They’ll help you pick out a car based on the amount you’ve been approved for, and then you’ll sign papers toward your ownership. Finally, you’ll drive away and make payments until you own the car outright. It’s that simple.

How Can Auto Now of Independence Help Me With My Credit?

As well as helping you find a reliable used car within your budget, buying a car from a buy here pay here dealership also enables you to rebuild your credit relatively quickly. Buy here pay here car payments are designed for the borrower to make the largest comfortable monthly payments to pay off the car in the quickest amount of time. This helps car owners get that much closer to outright ownership, save on interest rates, as well as rebuilding their credit quickly. Each on-time payment is reported to major credit bureaus, increasing your creditworthiness in a short period.

Let us help you with financing for your next car. Call Auto Now of Independence at (816) 833-6900 or visit our website to find out more about our store and vehicles.

 
 
 
The Top 10 Things to Inspect Before Buying a Used Car  Jul 29th, 2019 

The Top 10 Things to Inspect Before Buying a Used Car

Buying cars used is a great opportunity. It provides people with credit issues the ability to afford a car and work on their credit. It lets car enthusiasts buy older models of vehicles and fix them and modify them as they desire without having to spend an arm and a leg. For anyone, it usually means saving on monthly car expenses - including gas, car payments, insurance, and yearly registration. However, that does not mean that car buying comes without its issues. Most of us aren’t car experts, which means that if you’re looking at a used car, you might not know if you’re getting a good deal.

Ten Things You Should Inspect Before You Buy a Used Car

Mileage

Although it is not always an indicator of a car’s overall health, mileage can be an indicator of how hard its previous owner used a vehicle. A vehicle over 15 years old that only has 100,000 miles on it was probably well-maintained and used lightly by its owner. A newer car, one manufactured within the past 5-7 years that has over 100,000 miles on it was likely used for travel and might have had previous engine, tire, and other repairs recently as well as more wear to the car overall. This also indicates it could have had more than one owner in that short period.

Tire Health

Tire health can also be indicative of how a car is running. Although some tire wear is to be expected as the tires get old, inconsistent wear could be signs of other problems like alignment, brake, and undercarriage issues. These issues can be much more expensive to repair than simply replacing the tires, so if you see any wear be sure to ask the seller about it.

Windshield & Windows

Though not always a huge issue, sometimes broken or cracked windshields and windows can be more of a hassle than they’re worth. For instance, some states require windows to be clear and uncracked to pass them for inspection. If you were thinking about purchasing a used Bronco II with one of its famous rear windows cracked, that would likely have to be replaced to pass inspection. However, the replacement of those back windows is so specialized that it often costs more than the purchase of the Bronco II itself to fix. In instances like these, it’s best to avoid cracked or broken windows unless the deal is too good to be true. They are safety issues until they get fixed, regardless, and it is best not to risk the safety of yourself or any of your passengers.

Exterior & Undercarriage

Do a walkaround of whatever vehicle you are interested in. Note any dings in the paint, bumps or grooves in the metal, or patches of the exterior or undercarriage which are missing. Point these out to the seller before your test ride not only to ensure that they know they are there before you become liable for any damages but also to find out more about the history of a car. A small ding could be a remnant from a big accident.

Lights & Mirrors

Lights and mirrors are one of those safety features you don’t want to go without. To test lights, take the car to a parking garage or drive the car closer to the end of the day. You’ll want to make sure that both lights work, the high beams work, and all brake lights work. Additionally, check your mirrors. Do they work properly, and do they clearly show you what is behind you? If these things don’t work, they are strong negotiation points.

Interior

Although the interior is mostly related to preference, there are quite a few components you don’t want to be without when it comes to your car’s interior. Make sure that the seat belts work. Sit in each seat and make sure that your passengers are comfortable and safe. Note anything that might indicate smoking (such as yellow stains) and any dirt that might mean the interior was not well cared for. These things matter.

Engine & Components

Even if you know nothing about the car, pop open the hood, start it, and listen to the engine. You’ll be able to tell if the engine runs harshly or is making any strange noises. Once the car has run for a little bit, shut it off and check the oil. Make sure the oil looks clean -- this will indicate that the seller has serviced it recently, and probably regularly.

Brakes & Shocks

Take the car for a test drive, preferably with someone. Have your guest sit in the middle in the backseat and give you an update on how the shocks handle in the back. You pay attention to the way the car handles in the front, and pay special attention to the brakes. Experiment with short and fast stopping, as well as breaking with the wheel turned. Note whether it is touchy, takes a lot to come to a stop, vibrates, or makes any noises. Bring any concerns up to the seller.

Signs of Rust

Although rust cannot be helped in certain parts of the country, not taking care of it can. If a car has noticeable patches of rust it should be avoided - this means that rust damage is probably extensive and will require quite a bit of sanding and repainting to maintain.

A Warranty

Although not necessary, a warranty (especially from a used car lot) is a great way to assure that you are getting your money’s worth and that you will be covered in case anything goes wrong.

If you’re planning on buying used from a private seller, our best advice is this - if you have any questions about the roadworthiness of a car, take it to a trusted mechanic or someone who knows cars. However, you can avoid this step entirely if you purchase a used car from a reliable buy here pay here auto dealership like Auto Now of Belton. Auto Now in Belton, Missouri, provides our customers with in-house financing as well as pre-inspected, road-worthy cars with 24-month warranties. If you’re interested in purchasing from us, fill out an online application and wait for one of our representatives to get back to you. You won’t be dissatisfied with our products - it’s our guarantee.

 
 
 
5 Essential Tips for Buying a Used Car With Poor Credit  Jul 29th, 2019 

5 Essential Tips for Buying a Used Car With Poor Credit

Sometimes, credit issues can’t be helped. The credit industry is designed to make life easier for lenders and their businesses, and in theory, it was meant to help out the customer. It meant less risk for lending businesses, and it was supposed to mean that potential borrowers had an easier time obtaining a loan. However, as the credit industry has grown and evolved, this has meant that more and more credit customers have had a rough time trying to obtain credit.

Excellent credit scores are few and far between. Nearly 80% of Americans have a less than excellent credit score, meaning that in the eyes of credit agencies, almost 80% of Americans have something on their credit reports that make credit agencies raise an eyebrow at their spending habits. The “worthiness” of a person’s credit is often a lot more ambiguous than they would like to think, as well. For those who don’t have excellent rates, this can translate to higher interest rates on credit cards, fewer loan opportunities, and delays in financial applications. For those with credit scores of less than 650, this can be disastrous, and finding funding for smaller purchases like cars can be a nightmare.

If you have credit issues and are in the market for a new car, there are steps you can take to ensure that you aren’t left feeling hopeless at the end of the day. Here are five essential tips when buying a used car with poor credit.

Shop Around for the Best Interest Rate

Don’t just go to your bank and settle on whatever loan option they give you. The first thing to do before seeking out a loan to buy anything, including a used car, is to read the fine print on more than one deal. Interest rates will likely be steep if you have a credit score below 680. For those with credit scores lower than that, you can expect to pay more than 15%. Unfortunately for those with very low scores, interest rates can be as high as 30%, though these interest rates are usually very uncommon, as banks would rather not lend to you.

For a credit score between 679 and 640, you can expect to pay anywhere between 17% and 19%. Those with scores between 639 and 300 can expect to pay between 28% and 30%. Most lenders have online tools that help you calculate your potential interest, and it is worth it to check your credit score with a free online tool like Credit Karma before applying for loans. Use your known credit score to determine whether the rate is fair based on your credit score.

Consider a Buy Here Pay Here Car Dealership

Despite what you might hear, interest rates are often very competitive at buy here pay here car dealerships, especially if your credit history is a little less marred than you might think it is. And while some lenders will flat-out deny those with lower credit scores the opportunity to borrow from them, buy here pay here car dealerships will never turn a customer away because of their credit score.

Buy here pay here car dealerships look at your average monthly income instead of your credit score. Their applications, which often can be filled out from the comfort of your own home, look closely at how much you spend per month on bills as well as how much you make from your job. Using this information, they put together a lending amount that is meant to give you some wiggle room in terms of the type of car you ultimately purchase while making sure you don’t go over your budget. Additionally, paying off your vehicle through a buy here pay here dealership will help you rebuild your credit for future purchases.

Work on Your Credit as Much as You Can Before Applying For Financing

Working on your credit as much as you can before applying for financing is a great way to lower interest rates on potential loans as well as opening up funding opportunities. One popular and fairly easy way you can start to work on rebuilding your credit is to make sure that you are making payments on time. Pay off any outstanding balances on monthly bills and consider making extra payments toward your credit accounts. If you can go without a car for a little while to do this, this might be your best bet to save you down the line. Also, remember that using more than 30% of your credit allowance on cards counts negatively against you, so paying to lower your credit card balances will help substantially.

Do Research and Budgeting Before You Purchase

Sometimes, saving and purchasing a new car means taking a hard look at your life. Determine what kind of car you need. For instance, if you want a truck, consider how you’d use it. Do you own a farm where it would make fiscal and common sense for you to have a truck? Or, do you work at an office job, live in town, and only get out to the country a few times a year? If it makes more sense for you to get a car that might not be your first choice, do a little research on vehicles that make sense for you. It might turn out you actually like cars that could save you a little money and help you repay your debts.

Save Up for a Down Payment

Finally, one thing to keep in mind is that whether you buy a car from a used car dealer or manage to get funding through a new car dealership, your interest rate will probably be higher than other people buying the same car. Although there’s no shame in this, it is in your best interest in these cases to make as big a down payment as you possibly can on your car. It will mean you spend less in interest, as well as getting you that much closer to ownership.

For the best used cars in town for those with low or no credit, visit Auto Now in Belton, Missouri. Apply for financing online now, or call us at (816) 331-2100.

  
 
 
Preparing For An In-House Auto Loan  Jul 29th, 2019 

Preparing For An In-House Auto Loan

If you’re reading this and are on the way to get your first in-house auto loan, congratulations! In-house loans have many benefits, and we’re sure you’re already aware of some of them. They’re great for those with past credit issues, those who need a car quickly, and those who want to streamline their auto purchase process. But the traditional lending process - where you approach a creditor for help with financing, can be hard to understand despite their popularity and relatively good advertisements. In-house auto loans are not as well advertised, and therefore, the process might seem obtuse or out of reach.

If you’re applying for in-house financing, Auto Now wants to assure you that the process is not as hard as traditional lending. We’re here to walk you through it so that you feel confident taking the first steps toward owning your car with the help of a buy here pay here dealership.

Filling Out the Application

Application processes are easy at buy here pay here car lots, and usually can be done from your own home. In fact, many dealers suggest working from home on these applications, that way if you find you need a little more time to get information, you don’t end up having to make a trip back to the dealership to retrieve that information.

The application process begins by laying out the guidelines for lending. From there, the application will ask you financial questions, including questions about your monthly expenses. Depending on the dealership, they may also ask you for personal references to verify that the financial information you provided is correct. Once the application is completed, all you have to do is wait to hear back from the buy here pay here company.

Getting Approved

The reason so many people have issues getting approved for traditional loans is because regular loan approval is contingent on credit health. For those with previous credit issues, applying for loans through banks and other lenders can be exhausting, filled with days spent at the bank only to be denied funding. On top of that, each time you apply for a loan through one of these sorts of lenders, you must get your credit checked. A credit check does impact your credit score, so if you have credit issues applying for credit in one of these ways can further hurt your credit score.

Approval for an in-house auto loan at a buy here pay here dealership is rarely contingent on credit history. At Auto Now of 79th and Wornall, you will never be turned away because of your credit history. The only checkmarks you must meet to be approved for funding are that you are eighteen years of age, have a valid driver’s license, and make more than $1200 each month (after taxes). If you meet these, you will be approved for funding.

Meeting With a Representative

After approval, you will meet with a representative at the buy here pay here lot to go over your in-house auto loan amount. The amount you are approved for will determine which cars on the lot you can purchase, so this meeting is extremely informative and necessary. A representative will then show you the vehicles on the lot that fit with your needs as well as the loan amount they are willing to provide to you.

It is not necessary that you drive away with a car the same day you are approved for funding. The approval will stay, and you can keep an eye on the ever-changing inventory until you find a car that you like. However, if you see a car you want the same day you are approved for financing, it is possible to drive away with a new car that same day.

Signing the Papers

Signing ownership papers is reminiscent of any other car financing experience. The papers you sign will show that you are paying off the loan toward full ownership of the car. However, the title will still belong to the buy here pay here company until the loan amount is paid in full. Other than that, you are free to take the paperwork to your local DMV and register the car in your name! It’s yours.

Paying off the Loan

Loan terms at buy here pay here lots are almost always shorter than loans at new car dealerships. As well as being cheaper than new cars, monthly payments are designed so that you pay off the highest comfortable amount over the lowest period. Associates will always refer to your monthly financial obligations and income to find a payment amount that is right for you. In the end, you’ll end up paying far less than you would with a traditional loan because interest will be much less.

Owning the Car

After the car is paid off in full (usually no more than a couple of years), it is entirely yours to sell, trade-in, or scrap as you please! The title will be signed over to you once payment is complete. Reputable dealerships like Auto Now of 79th and Wornall offer warranties on their used cars, which means that the vehicles you purchase should last and be reliable far beyond when you pay off their loans. Additionally, you can often get competitive trade-in prices for your vehicle if you bring it back to where you purchased it. The possibilities are endless with buy here pay here cars.

At Auto Now on 79th and Wornall in Kansas City, we’re confident that you’ll be able to make savvy car purchase decisions after working with our talented employees. Click here to start filling out an application for an in-house auto loan from the comfort of your own home. Once you are approved, someone from our 79th and Wornall location will get in touch with you. Alternately, call our store at (816) 333-6000 to schedule an appointment and get started on your next car purchase. We look forward to helping more residents in the Kansas City metro area obtain the transportation options they need.

  
 
 
Poor Credit Auto Financing Options in Kansas City  Jul 29th, 2019 

Poor Credit Auto Financing Options in Kansas City

Poor credit is not something to be ashamed of. Navigating the credit system can be tough, especially with its seemingly ambiguous numbers. With the U.S. credit system, credit scores are given out on a continuum of 850 (being the highest) to 300 (being the lowest). With those numbers, being a scale of 550 points, you’d expect the middle of the field to be 525. So when people find themselves getting “fair” credit scores while they are in the lower 600s or upper 500s, it can be very confusing. Poor credit starts at a 579 credit score. At least 33% of Americans have a credit score lower than 601, which indicates a problem that is bigger than just individual flaws.While you shouldn’t have to feel bad about your credit score, there’s no denying that having a credit score that is lower than even 650 can make getting credit cards and alternate financing a big issue. If you need a car and can’t afford one outright, this can be an even bigger issue. Fortunately, for those with credit issues, help can come in the form of auto financing options from buy here pay here dealerships like Auto Now of 79th and Wornall. Here’s how the process works. 

Understand The Car Buying Process is Different

The first thing to understand is that the car buying process at a buy here pay here lot looks a little different than your typical car buying process. Instead of going to the lot or turning to the website to search for a car you might like, you should first start with research on potential vehicles that would work well for your lifestyle. Instead of focusing on one single type of car, you should focus on researching more than one car that you might like. Used car lots have a great selection, but they often won’t have precisely the vehicle that you want. Being prepared for that reality will make the process that much smoother for you. Also, note that you will not be able to pick out the exact car that you want at a buy here pay here lot before filling out an application through the buy here pay here lot. This is because you will be offered a finance amount based upon your application. If the car that you have your heart set on doesn’t fit within that category, you’ll have to start the whole car search process over again and you will likely find yourself feeling disappointed. Buy here pay here lots like Auto Now of 79th and Wornall in Kansas City want you to feel supported and confident throughout the process, so they encourage researching generic brands over picking out specific cars on the lot. 

Understand The Buying/Application Restrictions

As we said in the last section, you might not get the funding for every car available on the lot, so it is essential to apply for funding before you get your heart set on a vehicle at a buy here pay here lot. To apply for in-house financing, you don’t need to have a perfect credit score. All buy here pay here dealerships will have different financial standards you must meet to be approved for funding. At Auto Now of 79th and Wornall, those include:
  • Being at least 18 years of age. We, unfortunately, cannot finance to anyone younger than that.
  •  
  • Having a valid driver’s license. It is crucial that the person applying for the car can drive the vehicle. This lets us know that they will be the primary driver and therefore, the one responsible for taking care of the car until it is paid off in full.
  • Having a total monthly income of $1200 after taxes. We will also ask you about your other monthly financial obligations as a way to better understand exactly how we can help you. Your overall financial health is as much of a concern for us as the purchase of a car from our lot is.

Get Knowledgeable with the Help of an Agent

Once you are approved for funding, come up with a list of questions you have about the business and the process of purchasing a used car through a buy here pay here lot. You will have to work with an agent to discuss your funding options, anyway, so it is always best to understand the process from start to finish if you can.

Understand the Repayment Process

Another way that buy here pay here car financing differs from new car financing is that it typically takes less time. Not only are you paying less for a car that is as reliable as a new car, but you are also paying more over a shorter period, which means you pay less in interest over time.

Other Ways You Can Finance A Car Payment in Kansas City With Credit Issues

Is the idea of purchasing from a buy here pay here lot still not clicking with you? Here are some other things to consider in terms of financial health. 
  • Shop around for the best interest rate. Sometimes, banks and other creditors will lend to you despite your credit history, but often that comes with a price. Find out your credit score, and rather than applying for a loan at different locations, use their online tools to help you understand what your interest rates might look like based on your credit score. (Most traditional lenders, like Discover, Chase, Etc. have online calculators that help you determine what your interest rate would look like for a loan). Once you have a list of different rates, pick the best one, and apply for a loan there.
  • Work on rebuilding your credit. Sometimes, a waiting period is your best bet for applying for financing. If you have severe credit issues and can afford to go without a car for a few months, work hard on paying off debts and improving your credit so that banks will consider you for low-interest loans in the future. Additionally, remember that buy here pay here lots like 79th and Wornall can help you rebuild your credit while also funding your next car opportunity.
  • Consider a loan from a trusted family or friend. Sometimes, it’s possible to receive funding from relatives and friends for low or no interest. Usually, your repayment plans with these people are a little bit more flexible. At the very least, borrowing from friends and family can get you enough for a down payment on a reliable used car from a buy here pay here lot.
 Auto Now on 79th and Wornall in Kansas City has all your car financing needs in one place. For more information, visit our website.  
 
 
Why Consider a Buy Here Pay Here Car in Wichita  Jul 5th, 2019 

Auto Now Wichita: Why Consider a Buy Here Pay Here Car in Wichita

Wichita, Kansas residents are no stranger to used car sales in their state. Their tax on car sales is the second highest in the nation, partially because they know how many people from neighboring states come into their state to make purchases and seek to improve their state through those sales. But owning a car in Kansas is not as expensive as you might think. The average Kansas resident pays nearly $200 less than other Americans in the cost of gas. Buying used saves even more money on registration, taxes, and additional associated fees.

If you live somewhere nearby Wichita and are mulling over the idea of purchasing a car, getting a used car from a buy here pay here dealership like Auto Now of Wichita could be your best bet. Are you not sold on the idea? Here are some reasons why it’s a great idea to consider a buy here pay here car for your next Kansas car purchase.

Save Time

Applying for a loan or any sort of financial aid is tiresome. For typical auto loan applications, the process looks a little like this: you find a car that you’d like to get a loan on. From there, you find a bank or a credit union (or an online lender) that you believe you can trust and you fill out a borrower’s application on their website or in-branch. Next, you’ll meet with a loan officer who will make sure that you meet initial requirements. You’ll leave the branch feeling like you are close to getting the money you need to purchase the car that you want. But then, you’ll wait. You’ll wait for days to hear back about the status of your loan, and if you are approved, you will wait even longer for the disbursement of funds.

If you’re not approved, the process is even more tiresome. You’ll have to go through it a few more times, and each credit inquiry makes a dent on your credit score. If you know that you will have issues getting a loan the traditional way, or if you don’t have the time to wait for fund disbursement, getting a buy here pay here car will save you time and still get you on the road in a reliable vehicle.

Save Money

We’ve already discussed how owning a car in Kansas is cheaper, and you probably already understand that buying a used car is less expensive than buying a new car. However, buying a used car from a buy here pay here dealership can save you even more money than buying a used car from a private seller. Auto loans are designed to have the borrower take out a large sum and pay it back over an extended period. The result of this action is that the borrower ends up paying the lender much more than the borrower intended initially -- in the form of interest.

Financing through buy here pay here dealerships is designed so that the borrower can take out as little as possible while also paying as little interest as possible over the long term. The lender helps the borrower finance on a payment schedule that works for them while also ensuring that the amount of the loan is paid back quickly. Therefore, you not only save money on a quality car that shouldn’t need any major fixes, but you also save money in the long run.

Save Yourself a Headache

There are many headaches associated with traditional borrowing. The aforementioned loan application process and interest rates aside, it’s hard to navigate all the terminology related to loans. For borrowing applications like mortgages, online glossaries exist to help wade through the colossal decisions that must be made, but there are rarely any loan officers that make themselves available to you to help you with your application.

The buy here pay here process centers around accessibility for those applying. Representatives of the dealership will walk you through the borrowing process, explaining any unclear terms to you as you go. If you’re denied funding, a salesperson will help you understand why rather than leaving you out to dry. Additionally, our forms are laid out clearly and with your best interests in mind, so you know in plain terms whether or not you will receive funding for a car from one of our lots.

Rebuild Your Credit

A frustrating part about credit issues is that to rebuild your credit quickly you must take out other lines of credit -- merely making on-time payments won’t cut it. Unfortunately, it is tough to take out lines of credit if you have credit issues. The way the traditional credit system is set up, it is like credit bureaus don’t want you to rebuild your credit.

Luckily, there are loopholes around this. One of the best loopholes? Financing a buy here pay here car. Even if you’re not in the market for a new car, you can make a trade-in on your working vehicle and get a new-to-you car that will help you rebuild your credit. All payments made on your buy here pay here car purchase are reported to Equifax, Experian, and the other major credit bureaus. This increases your credit score while helping you score a sweet new ride.

Work With Knowledgeable Salespeople

Finally, if you’re worried about buying a used car in Kansas from a private seller, it would be in your best interest to work with a car salesperson who knows what they are talking about. Auto Now of Wichita is one of several reputable buy here pay here car dealership locations that are well-equipped with knowledgeable auto salespeople who can guide you toward a good car purchase.

For the best used cars in the greater Wichita area, visit Auto Now’s Wichita location on 1660 South Seneca Street. Whether you are looking to save a little time, money, effort, or you’re hoping to rebuild your credit, our used cars are the best in the state and our salespeople know how to help you with your car needs. Fill out an online application today and let us show you the difference we can make in your search for a new car.

 
 
 
First Time Buyer? Consider Buy a Here Pay Here Car  Jul 5th, 2019 

Auto Now Wichita: First Time Buyer? Consider Buy a Here Pay Here Car

Do you remember the first time you bought something on your own when you were a child? It gave an exhilarating sense of freedom, being able to buy something that you didn’t rely on your parents for. As a young adult, this exhilaration is amplified upon receiving your license. However, nothing tops the excitement and sense of freedom you receive when you purchase your first car.

Unfortunately for many, this excitement fades when you are confronted with the reality of car buying. For many, getting their first car involves months of saving only to be met with an old junker that requires tons of maintenance. You can keep your spirits up after your purchase when you spend your money on a reliable buy here pay here car from a company like Auto Now of Wichita, Kansas.

Used Cars are Great Options for First Time Drivers.

Statistics show that an overwhelming number of first-time drivers succumb to accidents. Despite what worried parents would have you think, the majority of these accidents are not fatal but are instead caused by distracted driving, insecure driving, or even just a lack of road readiness. This goes for any driver between the age of 15-20. Accidents happen, and while your insurance company considers this, many young drivers looking for their first brand new car do not.

There are likely to be unaccounted for scratches, dings, and other mechanical issues when it comes to your first car. For this reason, buying a new car is not advisable, primarily if you’ve never driven on your own before. But we also don’t recommend buying a used car from a private seller. It is easy for private sellers to take advantage of those who may not have experience with cars. Buying from a reputable buy here pay here dealership can give you the confidence you need as a first-time buyer to know that you are making the right decision and that you are getting a used car that will work well for you.

Wide Variety of Used Vehicles.

If your search for a quality used vehicle has left your head spinning, you’re not alone. It can be very stressful to find a used car that fits your needs and budget. Buy here pay here dealerships have a wide variety of used vehicles that meet with the budgetary needs of most first-time car shoppers. From newer cars to older models, you’ll find something that works for you without having to worry about its reliability.

Payments are Available.

Paying $3000 for a reliable car up front, plus all the associated taxes, fees, and otherwise might not seem feasible for someone making less than $2000 a month as an 18-year-old fresh out of high school. However, making a down payment of $500 plus monthly payments of $250 for the next few years is a lot more considerable for someone on a meager income. You can’t usually make payments on a used car you find online, but you can make payments on a buy here pay here car. Often, these payments work with your income, and you can choose to pay more when you can and save in the long run.

Save Money on Insurance and Taxes.

Let’s face it. If you’ve never owned a car before this, the chances are likely that you either are tight on money or this is your first car, and you are on a strict budget. The two scenarios go hand in hand. So, you probably want to save a bit of money in the car buying process. Buying used is a great way to do that -- especially when you can buy used from a reputable source like Auto Now of Wichita and save money on future repairs. However, an equally great way to save money is purchasing a used car for insurance and tax breaks.

Used cars are notoriously cheaper than new vehicles when it comes to insuring, registering, and paying taxes. You pay taxes for most car purchases at dealerships up front, which can lead to a nasty surprise when it comes time to make your payment. On top of that initial payment, you can’t forget making your yearly registration payment and your insurance payments. While you might think that getting a newer vehicle will save you -- especially when it comes to paying for repairs up front, many forget that other costs will make up for that difference. Buying a quality used car with a warranty will not only prevent unnecessary repair costs, but it will save on those often forgotten about costs.

No Credit Needed + Helps Build Credit.

As a first-time car buyer, you might not have established credit. Credit scores come after years’ worth of paying off loans, credit cards, and other lines of credit. If you’re going into college, you can probably remember how hard it was to take out a personal loan to take care of the remainder of what you owed on your tuition. Without a credit history, you need a cosigner to sign off on the loans for you. If your parents have a rough credit history, you might have also had credit issues getting a cosigner for the loans you needed. The same goes for auto loans through traditional means -- without a credit history, it is nearly impossible to take out the loans you need.

Navigating personal loans can be tough. This is why it is good to buy your first used car through a buy here pay here car dealership like Auto Now of Wichita. We walk you through applying for credit, and the credit we give you toward a car on our lot is based on your income, never on your credit score. When you get a vehicle and make payments toward it, these payments are reported to major credit bureaus, which kickstarts a strong credit history.

Are you ready to make your first big purchase and become the owner of a new-to-you car? Consider Auto Now of Wichita as your one-stop-shop for all your car buying needs. We finance your new car, walk you through the application process, and help you find a great used car all in one location. Wichita, Kansas car buyers can stop by one of our sites, or contact us today for more information.

 
 
 
Buy a SUV with Buy Here Pay Here Financing  Jul 5th, 2019 

Auto Now Wichita: Buy a SUV with Buy Here Pay Here Financing

SUVs are arguably the most popular type of car in the United States. Applauded for their safety, affordability, and relative gas saving capabilities compared to trucks, a recent survey showed that almost all of the top 10 cars in America last year were a truck or an SUV. Despite being much more affordable than a new truck, SUVs are still out of the price range of many Americans. The average new SUV costs about $35,000, whereas the average new sedan costs just over $25,000. This price jumped 2% from 2017 to 2018, according to Kelley Blue Book. This leaves many disheartened by the idea that they might never get the chance to own an SUV in their lifetime.

Luckily, owning an SUV is not as difficult as the average price might suggest. Especially if you purchase a used SUV through a trustworthy buy here pay here dealership like Auto Now of Wichita, you can save time and money on the process and end up with an SUV that is just as good as any that you might get from a factory dealership.

What is Buy Here Pay Here Financing?

Buy here pay here financing is a type of financial assistance that comes directly from the dealership. As the name implies, it implies that you receive financial aid at the dealership you are hoping to work with rather than having to seek financial assistance from outside sources. We’ll speak more about what the financial process looks like later, but typically a person hoping to buy a car from a buy here pay here dealership needs only to visit the dealership’s website (or the dealership in person), apply for financial assistance, and then be granted that assistance. In essence, it is a one-stop shop.

How is it Different From Typical Financing Options?

Other financial options require multiple stops and invasive techniques to help investors understand just how much investors can give to potential borrowers. When you apply for a bank loan, the process usually looks like this: you go into the banking institution, you work with a loan officer, and they inquire about your income, and you fill out an application together. Alternately, some banking branches allow customers to fill out forms online. Regardless of the application process itself, filling out, getting approved, and eventually getting the funds needed to purchase a car is a long-reaching process.

In the meantime, not all cars wait. Especially for those hoping to buy a specific vehicle from a private seller, the time it takes to get the funds from a private loan can often lead to people to miss out on getting the cars that they want. Cars get bought out from under them, leaving them with the need to find another vehicle quickly (usually a car that they don’t want!)

How Does the Process of Buy Here Pay Here Financing Work?

Fortunately, buy here pay here financing options, especially those at Auto Now of Wichita, are much more straightforward. The difference between this sort of financing and conventional bank financing is that the process of applying for funding is different. Instead of researching the cars you want, you instead research which buy here pay here car lot you are interested in purchasing from. From there, you fill out an application. Most buy here pay here car dealerships have an online form you can fill out to save yourself time. By filling out the application at home, you assure yourself that you have time to get all the necessary materials -- such as proof of income or any reference information you might need.

Once your application is filled out, you then meet with a representative at the buy here pay here car dealership. They will go over how much you were approved for and will clarify any unfamiliar terms or issues with your application. From there, they will help you pick a vehicle from their inventory that meets your standards and your budget. Once you find the car on the lot that works for you, you sign off on ownership papers and can drive away with your new car!

Don’t see anything that strikes your fancy? Don’t worry. We will keep your application on file and can let you know if the particular type of car that you are looking for reaches our inventory. If your income changes between then and now, let us know! We might be able to increase your borrowing limit.

What are the Restrictions for Buy Here Pay Here Financing?

One of the best parts of buy here pay here financing is that there are not that many limits on who may take out an in-house loan. Unlike banks and other financial institutions, your ability to borrow money is not dependent on your credit score. We lend to everyone, regardless of credit history, and we will continue to make access to reliable cars easy for everyone.

Each buy here pay here establishment will have their own rules for borrowing, so be sure to discuss those with the establishment before getting too far into the application process. For Auto Now of Wichita, those limitations include:

  • Age. You must be 18 years or older to purchase a car through one of our locations.
  • Income. You must make a minimum of $1200 monthly after taxes to be considered for an auto loan.
  • License. You must have a valid license. The state in which you are a resident doesn’t matter, only the validity of the license.

Other than these restrictions, the sky is the limit when it comes to applying. Most buy here pay here car lots are more than willing to help you get the car that you need regardless of your time constraints and/or credit history. Additionally, buying an SUV from a buy here pay here establishment is easy-- because of their popularity among United States drivers, there are almost always SUVs in stock at any buy here pay here lot you might visit.

Don’t let the soaring prices of new SUVs get you down. Consider buying your next SUV from Auto Now of Wichita. We serve the greater Wichita, Kansas metro area and have NIADA certification, so you can be sure about the SUV you purchase. Contact us today for more information about how we can help you get the SUV you’ve always wanted for a fraction of the cost.

 
 
 
5 Reasons Why Summer is a Great Time To Buy a Used Car  Jul 5th, 2019 

Auto Now Wichita: 5 Reasons Why Summer is a Great Time To Buy a Used Car

Okay, we get it. The sun is out, the weather is warm, and the last thing you want to be thinking about is a chore like purchasing a new car. The thing is when it comes to getting a car, there’s no better time to get started on your purchase than in the summer. Perhaps you have lingering feelings about why you might need a new car that might be made clear by the summer weather, or maybe you’re drawn in by the deals. Either way, summer car sales events are some of the best ways to get the car you’ve been looking for.

The secret behind getting excited by summer car buying is to think about the reasons why it might be a good time to sell your car. The average person doesn’t think about car sales, but by putting yourself in the mind of a car salesperson, you will be able to see precisely why summer is a great time to buy a used car. If you’re on the fence, analyze these reasons why the folks at Auto Now of Wichita consider summer to be the best time to make sales.

  1. People are starting to think about trading in their vehicles for newer models. The year is half over, and while it might seem like it just started, now is the time that you’ll start seeing advertisements for 2020 vehicle models. Yes, even as early as July of 2019, some 2020 vehicle models will be making their ways to a car dealership near you. Early birds strike at this opportunity by selling off their “old” cars, many of which are newer models. Sometimes, these newer models will make their way to buy here pay here lots like Auto Now of Wichita, providing those looking for a quality used vehicle with something they can drool over.
    However, the newer models at buy here pay here lots tend to go fast, so it’s in the best interest of those seeking a later model used car to search through summer sales. Not only will you likely snag the best car on the lot, you probably won’t have to sift through crowds of people looking to buy a present for their loved ones later on in the year.
  2. Air conditioners are a necessity in Kansas and Missouri summers. Sure, an air conditioner alone might not be a great reason to get a new car, but if the air conditioner is going, it could be a sign that other parts of your car are also on their way out. It could be that the coolant needs a recharge, but it could also be that there are other parts of your system on their way out.  At this point, it comes down to you deciding between whether you want to swelter through the summers until you get a new car, fix the air conditioning (which could leave you out thousands of dollars), or get a new car. 
    Weigh your options, but know that for your health and the health of everyone driving in your car, it might be best to get the problem fixed sooner rather than later. If you need a new car in the next few years and your air conditioner has just been laid to rest, consider trading in your old car for a vehicle with working A/C before it gets too hot.
  3. Save money by carpooling with friends to summer vacation spots. Travelers take notice -- travel can be fun and less expensive if you opt to carpool domestically. Travelers who take multiple trips per year can save time and money by purchasing a quality used car that can fit 2-4 other people and their luggage. A single plane ticket from Portland, Oregon to Portland, Maine can cost upwards of three hundred dollars one way. Taking that money and putting it to good use on a down payment on a car can save you thousands of dollars throughout the summer while subsequently allowing you to have a great time with the people you love. Then, when the summer is over, use your new car to get to work and save up for next summer’s road trips!
  4. Deals are great during the summertime. There is a definite lull in car sales the further away from April 17th you get. In a rush to get taxes done or file for an extension, many people file their taxes last minute, and the tax refund money that they would typically use for a down payment on a car has to wait weeks as the system tries to catch up with the overload of tax returns. 
    Even for those who got their taxes done on time, no one really wants to take on the chores associated with purchasing a car -- people are too busy doing the things they couldn’t do during the winter to be bothered by loan applications, down payments, and registration hassles.To make up for this lull in sales, car buyers will often see great deals on cars as a way for car businesses to make up for the loss of sales over this period of the year. Combine those sales with the already great deals available from buy here pay here lots like Auto Now of Wichita and you’ll be able to save a lot on your next car.
  5. If your car is a dud in the winter, now is the time to beat the winter rush. Take advantage of the excellent sales that happen during the summer and beat the winter car buying frenzy. If you drove your current car around last winter in a panic because of how it handled icy roads and the occasional flurry, then you should act now to get a vehicle that is better rated for winter weather before they all sell out closer to the end of the year.

Auto Now of Wichita is ready to get you started on summer savings with our great selection of used cars at affordable prices. We finance in-house to anyone, regardless of credit, and we make sure that the process is as safe and straightforward as can be. Greater Wichita, Kansas area customers can stop by our location on South Seneca Street, or contact us for further information.

 
 
 
Safe, Fun, and Affordable Cars for the Summer  Jul 5th, 2019 

Auto Now Topeka: Safe, Fun, and Affordable Cars for the Summer

Summer and car sales don’t go hand in hand for many people, but they should. Summer is one of the best times to buy a car. There are several factors behind this, but the biggest one includes timing. First of all, most people don’t want to spend their days searching for a new car. They’d rather spend it at the beach, outside somewhere, traveling, or in an air-conditioned room doing whatever makes them happiest. This lessens the numbers of people coming in to talk to someone about a new car. You head to any car dealership between now and the end of summer, and you’ll likely get some of the best services anywhere in town because they’ll actually have a customer to talk to.

Then, there comes the inventory. Because of a statistical lull in service, there are more likely to be great summer sales, which offer people the chance to save big. And if you’re looking for a specific type of car, especially at a used car lot, it is especially worth your time to get started with your purchase now. Start at a buy here pay here lot like Auto Now of Topeka, Kansas and avoid the winter car buying rush. You’ll thank yourself later.

Summer is supposed to be fun, right? It’s hard to get excited by a necessary duty like car buying. But you can trick yourself into making your next car purchase part of a fun summertime routine. Why not amp up your ability to have fun (and safe) by saving money on one of these affordable but fun cars?

Ford Mustang. The Ford Mustang is often seen as the most affordable American muscle cars. Lauded for its ability to perform well while still offering plenty of cargo room, this little car usually sells for under $5,000 used. If you’re looking for something to zip around on country roads in, but still have something reliable to get you to and from work, this is the car for you.

  • Volkswagon Beetle. I know what you’re thinking. A Volkswagon Beetle is safe? The answer, undoubtedly, is yes. The only time you’ll run the risk of any of the perceived dangers of beetles is if you buy an older version (think the 1970s & 80s). Newer beetles are money savers, cute, and excellent at city driving. They offer surprisingly more room than you might expect and come with all the bells and whistles that any other car might offer. Additionally, you’re more likely to find an interestingly-colored beetle than you are to find just about any other type of car on the lot. Perfect for single folks with a bright personality, beetles are a great, safe, and affordable car to get used.
  • Chevrolet Malibu. The humble Chevy Malibu makes the list for its looks and its performance. With a smoothly-running, high-performance engine, this bright little car offers just about anything that any other sedan might have. Perfect for taking on a road trip or to the beach, the cargo is roomy, and the car itself comes with many safety features compared to other used vehicles of its age. It’s perfect for someone hoping to save money who also wants a practical and smart-looking car.
  • Ford Fiesta. Ford Fiestas are relatively new cars, but they are also reasonably easy to find at used car dealerships, as they remain accessible and people are always looking to upgrade. The Ford Fiesta is a smart little hatchback that comes in a variety of bright colors. Their engines are virtually noiseless, which only adds to the comfort that this car offers to long-haul drivers. Adding to its comfort, the Fiesta is also spacious, making it an excellent vehicle for long road trips with one to three people. However, this car is also fantastic on gas and makes an excellent daily driver when you aren’t planning your next big summer trip.
  • Jeep Wrangler. We’ve talked about the small and safe cars, but we haven’t talked about any SUVs yet. Jeeps are a standard favorite among Americans. With their high clearance and their modification abilities, there are very few places that Jeeps can’t go with a little faith and some TLC. Buying a used Jeep Wrangler from a private seller can cost you much more than your average used SUV, which is why we included it on this list. If you are hoping to finance a Jeep for your summer adventures, start looking at buy here pay here dealerships now. You’ll be able to find them at more affordable prices than ever now.
  • Toyota Land Cruiser. Perhaps you’re not a Jeeper, but you still want to get your hands on an off-road vehicle. A Toyota Land Cruiser is one of the best cars that can get the same job as a Jeep done for much less. Additionally, Land Cruisers have high safety ratings and are well-equipped to take a beating should it arise to that. Land Cruisers are also highly sought after, so if you’re considering one, head over to Auto Now Topeka to see what they have in stock.
  • Mazda Miata. The Mazda Miata is a convertible. Before you move on to the last car, consider this. The Miata was made for the average person -- an affordable convertible that anyone can enjoy. It performs just as well as many of the other convertibles that sell for thousands or more, and older versions of the Miata sell for under $4,000 in impeccable condition.
  • Mini Cooper Countryman. For those with a fun-loving spirit who want something snappy to get to and from work in, the gas-saving Mini Cooper Countryman is unique. With plenty of room for a few people, this European car has become a favorite among Fiat and Volkswagon lovers and provides reliable transport in comfort and style.

If you’re just sitting around the couch reading this and don’t have anything else planned for your summer day, follow these instructions. Close the lid of your laptop, hop on public transport, and come on down to Auto Now of Topeka on 116 Southeast 29th Street. We’ve got air conditioning, good deals, and the chance to get a fun, safe, and affordable car to make the rest of your summer more enjoyable.

 
 
 
Are Your Car Payments too High? Buy Here Pay Here Cars are Here to Help  Jul 5th, 2019 

Auto Now Topeka: Are Your Car Payments too High? Buy Here Pay Here Cars are Here to Help

The worth of the average American household is on the rise, but so are bills. As of last year, the median household income before taxes was $75,664. This is also assuming that the median household income includes two salaries, or at least two different people, at home. When you think about it, even with the average wage, making $500 payments a month on top of all the other necessary bills seems costly. Yet, the average American is paying nearly $550 a month in car payments.

If you’re feeling stuck, consider getting out of your high payments while you can and getting into a more affordable one. Purchasing a used car at Auto Now of Topeka, Kansas is a great way to grab an affordable vehicle that fits your personality and daily needs while paying an affordable price.

How the Buy Here Pay Here Process Works

You’re not stuck with your expensive car -- there are ways out of having to pay for the whole thing. The first step is understanding exactly how much you owe on your high-payment auto loan before you give it back to the dealer. You’re not out of the payment zone just by returning the car to the dealer. The car dealer will have to resell it, and it will likely not sell for as much as it did before.

In this case, imagine that you put a down payment on a new car that costs $35,000. Your down payment is in the amount of $5,000, and over six months of $550 payments, you realize this isn’t going to work. So, you bring the car back to the dealer with the intent of returning it. In total, you’ve paid $8,300 toward the initial loan you took out -- $5,000 for the down payment and six monthly payments of $550. Later, the dealer sells the car for $25,000, which is nearly $10,000 less than the price he sold it to you for six months earlier. This usually means that you still owe $1700 on that car.

But the fear of lingering payments after returning your car shouldn’t deflect from the fact that you’re paying too much monthly, to begin with. Consider your options, and especially consider swapping out your new car for a quality used car from Auto Now of Topeka.

Why Should I Consider Buy Here Pay Here Dealerships for Help?

Usually, people buy new cars to avoid breakdown issues. Such issues are common among used vehicles purchased from a private seller but are not common when purchased used from a reputable used car dealer. Buy here pay here dealerships offer the same perks as a dealer, including financing, warranties, and clean, reliable cars. The cars they offer are just at half the price, saving you hundreds of dollars each month on car payments. Buy here pay here dealerships like Auto Now of Topeka will assist you in making a purchase that better suits your budget, allowing you to save for necessary things like health insurance and life insurance as well as leaving you room to save money.

What are My Restrictions?

While we wish that we could help everyone who comes to our dealerships, we do have restrictions. Restrictions are in place for your safety and ours. We want to ensure that you will be able to make payments on your car comfortably and that you are, in fact, ready to use your vehicle. For this reason, we require applicants to have a valid driver’s license, be 18 years of age or older, and have a monthly salary of $1200 after taxes. If you meet these requirements, which is likely if you already have a higher car payment, we believe that we can help you.

What are the Perks of Working With a Buy Here Pay Here Dealership?

Our customers commonly cite our ease of application, low prices, and willingness to help as being some of the most significant perks of working with a buy here pay here dealership. But we believe that there are even more perks to getting a buy here pay here car, especially in Topeka.

  • You get the chance to avoid high taxes and ownership costs. Kansas is one of the most expensive states in the USA to own a car. This includes sales tax, registration fees, and other associated car purchase fees, excluding fuel. Buying used can help ease you through some of the higher fees each year, and buy here pay here cars spread out the cost over time, so you avoid spending a lot of money up front.
  • You get the opportunity to rebuild your credit. If you missed a bunch of payments on your previous car, chances are your credit score took a hit. You can restore your score by paying toward a buy here pay here car you can actually afford.
  • You have a wider variety of cars to choose from. Buying from a dealership is limited, offering you only one brand of vehicles and many of the same make and model. Although people tend to gravitate toward a particular brand of car, many of us are open to purchasing a vehicle outside of our preferred brand. Shopping from a greater selection of vehicles leaves you open to further savings.
  • Your payments work around your schedule. We work closely with our customers to not only find a car whose price fits their budget but also to set up payments on a plan that works for you. You can trust that we want the best for you at Auto Now of Topeka.

Auto Now of Topeka is NIADA certified and committed to bringing Kansas and Missouri residents quality used vehicles. We’re a trusted institution in both states, and many of our customers are repeat customers. If you live in Topeka, get to know us by stopping by our location on 116 SE 29th Street. We’ll help you fill out an application for financing and help you see how much you can save on your monthly car payments by switching to a buy here pay here car.

 
 
 
Best Used Cars for People with Less Than Perfect Credit  Jul 5th, 2019 

Auto Now Olathe: Best Used Cars for People with Less Than Perfect Credit

The struggle to keep your credit score good or higher is real, and no one should feel as though they are alone if they have credit problems. Credit issues are so common that thousands of self-help books and websites exist to try and get people to understand and overcome their credit problems. A cynical way of looking at it -- if there weren’t a national credit problem, there would be no way for anyone to make money off fixing those problems. The United States government even has a website that not only lists common credit problems but ways to fix them.

So, you can take comfort in knowing that you’re not alone in your credit issues, but that doesn’t fix the fact that your credit score is impacting your ability to take out lines of credit, get a mortgage, or get a new car. Luckily, there are car financing options that work for those with less than perfect credit. Purchasing a vehicle from a buy here pay here lot is a great way to rebuild your credit and save money all while gaining a car from the deal. However, if you have credit issues, it is best to buy an affordable car as a first option. This will ensure that you don’t end up biting off more than you can chew. Here are our top three pics in each category for cars for people with less than perfect credit.

Here Are The Top Used Cars

Sedans

  • Toyota Camry. Camrys are one of the most popular small cars in the auto industry. These little cars are durable, dependable, and their popularity allows them to be resold for an unbeatable value. The interior and exterior of Camrys, though simple, shines through in its quality make. This is a superior sedan that you will be likely to find at almost any buy here pay here lot.
  • Honda Civic. The Civic has been the Honda fan’s go-to since the 1960s, and there’s a reason for that. While they have gained a reputation for being reliable family cars, there’s an element of fun in them that is a nod to Honda’s original start as a motorcycle manufacturer. People love to buy a cheap Civic and then mod it and use it for racing, but they are also just fun for the occasional zip around for the kid who always dreamed about being a race car driver.
  • Hyundai Sonata. Hyundais are great cars for anyone looking for a warranty. All Hyundai cars, including the Sonata, have a 10-year, 100,000-mile powertrain warranty that covers all engine-related fixes. So, if you buy a used Hyundai with less than 100,000 miles on it, it still has that warranty, and you can still have those issues fixed. For the price, as well, they are reliable and fun to drive -- like the Honda Civic.

SUVs

  • Subaru Forester. You’d know if you’ve ever met a Subaru fan because they will never stop going on about their cars. Subarus are roomy little cars, and the Forester is about as small as an SUV can get, making it perfect for those who want to save a little on gas mileage but also get to go on adventures that your everyday sedan won’t take you on. Subaru Foresters are sturdy and reliable, great for in-town driving or back road driving alike, which is why they are popular among budding adventurers.
  • Toyota Rav4. Again on the list, Toyota showcases itself as a champion in solid and dependable cars. The Rav4 is a smaller SUV with a little lift to it, providing some clearance but not making it seem as big and bulky as many other SUVs. With a quiet engine that provides enough power to make it over and through tough situations, the Rav4 is again an excellent option for both city and rural driving. Its popularity only makes it easier to get ahold of at used car lots, so keep an eye out for a Rav4 the next time you’re at a used car dealership.
  • Honda CRV. The Honda CRV is very similar to the Rav4, and just as popular, which makes it easier to get ahold of. The CRV, however, is best known for its space. Newer models make it even easier to hold more things. For campers, the CRV is a spacious and efficient option to navigating dirt roads on a budget.

Trucks

  • Nissan Frontier. New, a Nissan Frontier is one of the most affordable cars on the market. But used, it can save you tons of money. The Frontier is good on gas (for a truck, that is) and has a well-renown transmission. Not likely to need too many major repairs, this truck is excellent for work and play.
  • Toyota Tacoma. The Tacoma has grown in size, but older versions of this beloved truck are still on the road today. Though on the smaller side, the Tacoma can do a lot of what larger trucks can do -- plow, haul, and tow. Additionally, it has a reputation for being reliable. While this is on the pricier end of our used car list, a Tacoma will get the job done for years to come, thereby saving those with less than perfect credit money.
  • Ford Ranger. Ford Rangers are the classic truck that comes to mind when you mention a little farmhand truck. Rangers are popular because they are American made, but also because their familiarity makes it a comfortable truck to learn basic mechanics on. If something falls apart on a Ranger, you can bet you’ll be able to find the part for cheap and get it installed for cheap (even allowing for easy DIY fixes for most common repairs). Great for the aspiring mechanic, this truck will save you gas and win you over by its quaint charm.

Auto Now of Olathe is the premier used car dealer in the United States. With thousands of cars in our inventory across Kansas and Missouri, we can help you find the best used car based on your credit and financial needs. For more information, stop by our Olathe location on 1404 East Santa Fe Street. We’ll help you get started on your vehicle needs.

 
 
 
5 of the Best Used Cars for Those on a Budget  Jul 5th, 2019 

Auto Now Olathe: 5 of the Best Used Cars for Those on a Budget

Auto Now of Olathe is home to hundreds of cars, and we put our money behind all of them in terms of their ability to get you from here to there. However, one of the things that we are consistently asked about is whether we have anything on the lot that is good for those with a budget. The answer -- yes, but with stipulations.

Remembering the Big Picture

It is crucial for those on a budget to remember that there are other costs associated with getting a car that extend beyond just the purchase itself. A brand new car with low miles on it will likely have fewer up-front fixes, but insurance, taxes, and registration fees also play a factor in the overall cost of a car. Buying a brand new car will result in high insurance rates, high sales tax, and a massive registration fee. Additionally, unless you are purchasing a fuel-efficient vehicle, this will not factor gas into the equation.

Opting for a quality used car is one of the best ways that a person on a budget can help themselves save money over the long run. Below are our picks for the top five best cars for those on a budget. They are chosen with the big picture in mind, as well as reliability and overall cost. Additionally, they are cars that are so popular that there is likely always to be at least one of them in stock. So, take a look at these five cars and then consider heading over to our Olathe location to learn more.

Ford Focus

It’s hard to mistake a ford focus on the road. Although they are just like any other sedan -- with a five-person capacity, large trunk, and reasonably conservative looks, they have their own distinct style to them.

Ford Focuses make our list because they are relatively easy to fix if they do break down, but they generally do not! Additionally, they provide plenty of room for children and other passengers without compromising on the gas mileage. For a first sedan, or for someone who wants a wholly reliable and affordable car, a Focus is a great way to go.

Toyota Camry

Toyotas are well-renowned for their reliability, and the king of security among their cars is easily the Camry. Fifteen years after the release of the 1995 Camry, a whopping 95% of the vehicles were still in driveable condition. There aren’t many cars which can boast the same standards, which is why we would be remiss if we forgot to mention it.

Consumer Reports repeatedly list Camrys as having “predictable handling” as well as being roomy and quick. Older models -- where bargain hunters are likely to find the best deals -- are not the prettiest looking cars, but they offer comfort and a fun drive for a fraction of the cost of bigger or zippier cars. Coupled with their tendency to age well with proper maintenance, this car can be a long-term driver without having to worry about constant repairs due to age.

Honda Civic

Almost as popular as the Camry, older versions of the Honda Civic come in as one of our other popular choices for the savvy car buyer. Honda originally started as a motorcycle manufacturer but began to try its hand at car manufacturing in the early 1960s. The Honda Civic was one of the first cars to make it from factory to market, and its dependability has been touted ever since.

Also, like the Camry, the Honda Civic has fewer of the upgrades that many of the cars of that time offered. What was almost a misstep for Honda back in the early 2010s has now become one of its most popular features. Providing safety, a smooth ride, and a particular zip that some have compared to sports cars, the focus is instead on the handling of the vehicle than on all of its features. True car lovers see the beauty in the simple Civic, whereas those looking for a car on the budget can find what they need from a mid-2000’s civic at a comparable price.

Pontiac Vibe

One of the lesser-known reliable vehicles, the Pontiac Vibe is an excellent sedan for those looking for the reliability of a Toyota in the price range of a Pontiac. Pontiac Vibes were commissioned by Pontiac from Toyota, and Toyota essentially gave them their version of the Matrix. Although the Vibe was a short-lived car, you still see many of them on the road today because they are robust and dependable little cars. The 2009 variety are one of the highest-rated sedans for safety, making them a must-have on our list.

Many versions come with all-wheel drive, cruise control, and more. One of the reasons that the Vibe was so popular was because it didn’t come with all the bells and whistles that other sedans of the time started to unleash. Equipped with the basics, but providing tons of cargo and passenger room, the Vibe is also suitable for those hoping to save gas money. If you can’t find this at your buy here pay heree dealership, you can also try asking about a Toyota Matrix for something with an almost identical build and similar price.

Toyota Yaris

Toyota makes the list yet again with this little creature. The Yaris has been popular since its release in 2005. With an emphasis on compact size and city driving, the Yaris has been a champion of excellent gas mileage. Newer models have made attempts to keep up with industry advances in design and features, but really the plain interior has made room for an upgrade to the Toyota Yaris’s looks over the years.

If you’re looking for a dependable Toyota in a size that makes sense for city driving, this gas and space saver still lets you have fun while helping you save time trying to find parking and money on gas. A merge between cute and sporty, we firmly believe that anyone can rock a Yaris and be happy about it.

Do one of these makes and models strike your fancy? Are you not sure that you can afford one, regardless of your interest? Auto Now helps Kansas residents make their car ownership dreams come true (especially those on a budget) by offering to finance regardless of credit. Fill out one of our online applications, and a representative will discuss further options with you in-store. We look forward to helping you find a car on your budget!

 
 
 
Why Choose a Buy Here Pay Here Dealership like Auto Now?  Jul 5th, 2019 

Auto Now Independence: Why Choose a Buy Here Pay Here Dealership like Auto Now?

The search is on for your new vehicle. If you’re like a majority of folks searching for new cars, you likely feel worn out already. It’s hard to know which company offers the best deals on cars, and it’s even harder to know that you will get a good car if you’re buying used. Sure, you can always opt to go to a factory dealership, but you’ll end up paying a pretty penny for those cars. Between the actual cost of the vehicle, the registration fees, the amount your insurance wants you to spend on a new car, and the sales tax, you’ll be swimming in expenses, and those expenses are often not foreseen by those new to the buying process.

Then, there are those people looking for a car who don’t have the option to buy new. They either have low credit or are just having a hard time finding a car for sale that works for their budget. Either way, they need an option that doesn’t leave them waiting to hear back on the status of a bank loan or their haggled-down price.

That’s where buy here pay here cars come in. A buy here pay here dealership like Auto Now is the superior choice for anyone determined to buy a quality, used car. Often, these cars are just as reliable as a new car and for much less. Not convinced? Check out these reasons why you might want to consider Auto Now of Independence, Missouri for your next car purchase.

Hometown Values & Trust

You grew up in Missouri -- you know the merits of telling the truth and lending a helping hand to your neighbor. But sometimes when you see big box businesses and mainstream sales tactics, it makes your Missourian values cringe. You can’t be sure you can trust a car dealer whose loyalties lie with the company that they work for rather than their customers, as so many large factory car dealerships do.

Auto Now is a small, Missouri-based chain that understands the values and needs of the people with whom we do business. Our goal is never to turn a profit for the company as a whole, but rather to help the people of our home state and neighboring state get reliable, working, and cost-efficient cars that can help them in their day-to-day lives. When you work with Auto Now, you are keeping your money (and your alliances) local.

Works With Your Credit Needs

Many of our customers come to us frustrated because they’ve been unable to get the transportation they need to get to and from work because of their credit score. The thing is, credit mishaps happen to the best of us. Sometimes, we have to make decisions that have harmful repercussions, but for most who have credit issues, this is a one-time thing that makes a lasting impact on their real life.

At Auto Now in Independence, we finance to anyone regardless of their credit. Our lending limits are based on your monthly salary, and we have detailed discussions with you before letting you sign any papers about what your repayment schedule will look like. If you’ve been denied a bank loan in the past, can’t afford to save up for a down payment on a new car, or otherwise need help because your credit is hindering you, we can work with you.

Reliable Cars

Not all used cars are reliable, and we’ll be the first to admit it. The hard part is, you sometimes can’t tell the reliability of a vehicle just by looking at it. Sometimes, the most beat-up looking junkers on the road are cars that have had relatively few maintenance issues and just a good, long life. Other times, you’ll see a car that looks great on the interior and exterior, but then will drive it and little things will show you that there might be issues with its mechanics.

All the cars for sale at Auto Now of Independence are reliable cars. With a 24-month warranty, we put our faith in the maintenance and upkeep of our vehicles before your ownership. Additionally, we have NIADA certification -- which means we are one in a limited number of used car dealerships whose cars are certified pre-owned and pass rigorous inspections before being sold.

Quick Application

Are you tired of applying for bank loans, waiting days to hear back your lending status, and having to reapply all over again when your application is denied? The process of applying for buy here pay here car financing with Auto Now is much simpler. You can either fill out an application online or in-store. This application usually takes no more than 20 minutes, in which a member of our team takes time to look over the application promptly. Within the same day, you are approved and have the option to browse vehicles within your lending limit. The process is simple and eliminates the wait time associated with other loan applications.

Low Money Down Offers

As well as offering competitive prices on quality used cars, we offer low money down offers on many of our vehicles. We don’t believe that an up-front cost should ever limit a person’s ability to purchase a car over the long-term, so we are willing to work with you on down payments. Of course, if you want to make a larger down payment and lessen the amount you pay over time, that is entirely up to you. However, with prices as low as $90 down on many of our cars, we’re confident our customers will be able to afford a car with us.

If you’d like to discuss further reasons to buy from a buy here pay here dealership, give our Independence location a call at (816) 833-6900. We’ll get you set up with a dedicated representative who can go over your questions, get you started on filling out an application for financing, and then show you around our extensive lot. We’re located on 10500 US 24 in Independence and are open Monday through Saturday. Thanks for your interest in our business!

 
 
 
Benefits of Buying a Used Car from Auto Now in Independence  Jul 5th, 2019 

Auto Now Independence: Benefits of Buying a Used Car from Auto Now in Independence

Many options exist for car purchase, though some are superior to others. A popular choice for those who are looking for a reliable car that won’t break down is to go to a factory dealership. There, they purchase a vehicle with low to no mileage at a high price. It might smell squeaky-clean and feel great to drive, but at what cost? Americans who owe money on car loans for new cars often pay over $500 a month, which even for someone on a comfortable income is a lot. Then, there are those who cannot afford that high monthly payment or who do not want to deal with it.

Those folks often go the used car route. Scouring the local newspaper, secondhand websites, or the sides of the road, these people desperately look for cars within their budget. Often, they settle for something that they do not want for a price that they must pay out of pocket. If they need a car but cannot afford to pay out of pocket, many will seek the help of a bank loan. Unfortunately, bank loans are very particular in their terms. They only want to lend to those with perfect credit, and for those without excellent credit -- they are either out of luck or stuck with a high interest rate.

Fortunately, there’s a solution for those looking for a car who can neither afford the high rates of a new dealership car or the rates of a high-interest loan. Buy here pay here cars, offered by dealerships like Auto Now of Independence, are affordable, reliable used cars that don’t come with all the hassles of used car buying. Additionally, Independence residents don’t have to go miles out of town to look at a used car. They can count on these benefits, and more when they come down to Auto Now.

Take the Public Transportation System to Auto Now

One of the lesser-discussed issues of purchasing a new car is trying to get to the location of the vehicle you are supposed to be looking at. Often, this relies on scheduling your viewings around the lives of family and friends, further inconveniencing both of you. Otherwise, it relies upon taking a taxi, usually at great lengths, to look at a car that you might not even buy. Dealers won’t drive a vehicle to you, and typically private sellers will also not do you that favor. This can make actually looking at a car a huge hassle.

One of the perks of buying a car through Auto Now in Independence is that you can take the Kansas City Regional Transit System from any of the surrounding areas to get to Independence. You can even save time by filling out an application for financing before coming into our Independence location. Don’t rely on others or worry about coordinating schedules. If you don’t have a car and need an inexpensive way to get to downtown Independence, there’s a way to do it.

Applications Take Less Time

We already discussed some of the pitfalls of buying other ways earlier. Applications for financing at factory dealerships are usually not a quick task. They require income verification, as well as a credit check and sometimes even a background check. All in all, this takes days (or even weeks) to complete, so you seldom spend just one visit at a factory dealership. Bank loans for financing a used car take even longer. You must go into a branch, then go through the same process that you would to apply for financing at a dealership. Then, the banker sends you on the way and promises to call you when they hear back about your status. If you’re denied, you usually don’t get much of an explanation, but it generally has to do with your credit. If you’re approved, the process still takes a long time, and there’s no guarantee that the car you’re interested in won’t be sold out from underneath you.

The application for financing and purchase at a buy here pay here car lot is much simpler than either of these scenarios. Usually, it takes less than 20 minutes to fill out an application for financing, at the end of which you are almost always approved. Places like Auto Now of Independence use only your income to determine how much you are qualified for, and then they show you their inventory within your budget. If you want, you can drive away with a car the same day.

Buy Here Pay Here Cars are Great For Your Credit

According to Experian’s ranks of credit scores by state, Kansas ranks 19th in the nation. That is a lot higher than many of its neighboring states, but it still indicates that there are credit issues among its residents. If you have a credit issue -- that is okay! It’s actually quite common to experience this, and it’s due to many factors. It doesn’t always indicate a person’s financial responsibility, and this is something that Auto Now of Independence is well aware of.

First and foremost, we never turn a person away because of their credit. Our finance rates are based upon your income, and it is possible for you to get a good payment deal with us regardless of your credit score. However, if you do have credit issues and are looking for a logical and relatively quick way to rebuild your credit, getting a buy here pay here car is an excellent way to do that. We report your purchase and payments to credit bureaus like Experian, and that helps your credit health overall.

Independence and surrounding areas have all the tools they need to buy a quality used car -- and with many benefits. Auto Now of Independence offers competitive pricing, superior financing terms, and a quick and easy application process to anyone in need of a new car. Stop by our location on 10500 US 24 to see how we can benefit you. To save time, fill out one of our easy-to-read applications, or call us at (816) 833-6900. We’re ready to serve you.

 
 
 
Looking for a Great Used Family Car? Shop Buy Here Pay Here  Jul 5th, 2019 

Auto Now Belton: Looking for a Great Used Family Car? Shop Buy Here Pay Here

Good parents are diligent about keeping their family safe. From putting outlet covers on electrical outlets when babies start walking to keeping up to date about booster seat regulations, we salute the hard work that goes into parenting. One thing that parents often don’t think about is whether or not their car, itself, is safe enough for their children. While many go for big, roomy cars like SUVs and vans, some specific models are safer than others. However, very few parents have hours to sift through information on car safety to find the best car for them.

Then comes the issue of cost. While parents are well aware of how much it costs to take care of a child, the extra expenses of having a child often hit them as a surprise in the aftermath. Therefore, buying one of the newest, safest models of cars with all the fancy, built in safety gadgets you hear about on ads is not always in the budget for modern parents.

If you’re a parent and you’ve been left scratching your head as to how to pay for the expenses of a new car, here are a few reasons why you might want to head over to Auto Now of Belton to get help from a car expert.

Buy Here Pay Here Experts Can Help You Save

We get it; you’ve got other things that are more important to focus on financially. The average family with a baby or a toddler spends between $10,000-$15,000 per year annually per child, whereas the average family with a teenager spends between $12,000-$18,000 annually per child. That’s essentially a new car, so we understand why saving to pay for a vehicle outright might be a top priority.

Besides that, you don’t want to drive your family around in a car that might be hazardous to them. It’s hard to tell whether or not a used car from a private seller can hold up to the safety standards that you need. Don’t cut corners and opt for a cheaper car that might not be safe. Get help from the safety experts at Auto Now of Belton. Auto Now knows how to find you the best deals without compromising your safety.

Get in-House Financing With Buy Here Pay Here Dealerships

Parenting, as well as being an expensive job, is a busy job. You get to play personal chauffeur to your aspiring soccer star, artist, dancer, and or symphonist. Along with driving them to their afterschool activities, you have to schedule in time for doctors appointments, dentist appointments, and more -- all while trying to remember that you, too are a human with needs similar to their own. You don’t have much spare time, which is why applying for and getting a loan through a traditional means can be tough for busy parents.

When you borrow through the bank, you must first fill out an application and then meet with a lending agent. From there, you’re required to run a credit check, which calls for even more time spent waiting for that to run. You’re usually out a week at least before you see the disbursement of your funds -- and it’s hard to schedule additional meetings into your time budget if banks or credit unions need those. With buy here pay here dealerships, it is usually a one-stop shop. Get the kids a babysitter for an afternoon and run over to Auto Now of Belton. You can even apply for financing from the comfort of your own home. Usually, if you have an idea of what you want, you can get it and drive away with it the same day.

Rebuild Your Credit By Paying Off Your Buy Here Pay Here Car

Becoming financially overwhelmed is easy as a parent. Countless stories exist of parents racking up debt on their credit card when an unexpected expense occurs, or of missing a few payments on a primary account because they forgot. When instances like these happen, it can be hard to finance a car or take out a loan when needed.

Luckily, buy here pay here lots offer great family cars with in-house financing options. In-house financing options at Auto Now Belton do not require you to have perfect credit, and paying off an auto loan through our establishment can help you rebuild credit. That way, if you expand your family in the future and need a house to fit everyone, you’ll have an easier time getting a mortgage.

Find a Safe and Secure Vehicle With the Help of An Expert

We’ve already maintained that safety is of utmost importance to parents. So while you might have researched the safest brands of cars, you’re probably not an expert when it comes to the mechanics of the vehicle. This means that the safest cars will be bought with the help of someone who knows their stuff.

Buy here pay here dealerships are a great place to find a safe car for your child or you while your child is young. Not only will the folks you talk to guide you toward the most reliable vehicles, but a 24-month warranty is available for all our cars -- because we take pride in and stick behind the safety and reliability of a car.

Maintain a Long-term Relationship For Your Kids

There comes a time in most parents’ lives where they must hand the keys over to their kids. It’s a scary moment, for sure -- it means not only that you are trusting them with your car, but also with their own lives.

For responsible children, you can take the ease off of worrying whether or not they are going to ding your new car by working with a buy here pay here dealership you already have an established relationship with. Bring your child in to see how the car buying process is done, then have them help you pick out a used car that works for your budget and their interests. Maintaining a long-term relationship with a trustworthy buy here pay here dealership means that you will never have to interview droves of private sellers to make sure your child is safe and secure in a car.

Families in the greater Kansas City metro don’t need to look any further than Auto Now of Belton for their used family car needs. Contact us today so we can help you find a car suitable for parents and children alike.

 
 
 
5 Ways to Save Money on Your Next Used Car  Jul 5th, 2019 

Auto Now Belton: 5 Ways to Save Money on Your Next Used Car

Most of us don’t want to pay a lot for anything -- cars included. While some might have the resources to begrudgingly pay more for a vehicle they really want, those of us hoping to purchase a used car are always on the lookout for ways to save.

Buying a used car is your first stop on the road to money-saving while owning a vehicle, but here are some other ways that you can save money on your next used car.

Look For a Model That is a Few Years Older Than the One You Want

All car owners have that dream car that they want, and for very few is that dream car the affordable, beige-colored Toyota Camry. If you have an idea in mind for your next vehicle, that’s great! It means that you’ve done the research and know what to look for in a car. However, if you’re looking for a used car, chances are reasonably likely that you are not going to find the exact make, model, year, and color that you’ve been hoping for in a car. One of the easiest ways to compromise and to save money on a vehicle at the same time is to look for a model that is a few years older than your dream model.

Unless you’re settling for a car that is 15 years older than the vehicle that you want, it is highly unlikely that anything significant other than the design of the interior or the exterior will be that much different. You’ll be able to drive around in a vehicle that is comparable to the one that you want without paying an arm and a leg for a newer year model.

Consider All Car Ownership Costs

When you pay for a car, it doesn’t just stop at the cost of the vehicle overall. You have taxes, registration fees, insurance premiums, and essential maintenance to think about. The type of car that you go after can influence the overall cost. For instance, a newer year car will cost you more in insurance and registration fees than an older car might. Alternately, if you get an older car but it’s a foreign car or a car they no longer make (or both, like a Saab 9-5), you run the risk of paying more for necessary fixes because the parts must be sourced from all over the country, and sometimes from different parts of the world.

If your ultimate goal is to save money on your used car, it is best to weigh your options and start out small. Come up with a basic idea for what you want from a vehicle: like a smaller SUV with a backup camera. Some SUVs from the early 2000s fit this build, so you can save on a used car’s registration and insurance fees (as well as overall cost) by considering a car that fits your basic needs and wants. Buy here pay here lots like Auto Now in Belton have many vehicle options, so it is possible to save time and money searching for a basic car by stopping by one of our Auto Now locations and letting a representative know about what you are looking for in a vehicle.

Do Your Research on the Car You Want

Don’t buy a car based on looks alone. It might be tempted to do this, especially if you don’t know anything about cars. But doing even the bare minimum of research before purchasing a vehicle can be extremely helpful and can avoid you from making costly mistakes in the future. Consumer Reports has easy to read customer feedback on most cars, so read up and get an idea of what to steer clear of.

For example, the Nissan Rogue is a popular car. Sleek and stylish, it barely looks like an SUV but provides the same levels of comfort and safety. Based on our previous statements about buying an older car, you might think that purchasing an older Nissan Rogue might be a good choice. However, Nissan Rogues aged 2012 and earlier tend to get significant transmission issues around 60,000 miles. In that way, it might make more sense to spend $1000 extra to get a newer model Nissan Rogue that doesn’t have those issues than saving some money on a car that might have those issues in the long run.

Not confident you can make the right decision? The folks at Auto Now in Belton are well-equipped to help you research a car that is right for you and apply it to your next car search.

Opt For a Less Popular Car

There’s a reason why you see old Jeeps selling for thousands of dollars. It is because they are in high demand. They might not have the reliability of some of the other back road-worthy vehicles, but everyone and their mother seems to want one. This increase in demand has led Jeep dealers, owners, and those who like to modify cars to sell them at prices that are much higher than other SUVs in their class and year of manufacture.

One way you can get around paying an arm and a leg for a car you want goes hand in hand with doing the research -- getting a vehicle that has the same capabilities but sells for less. In the Jeep’s instance, you can get an older Land Rover or even a Nissan Xterra. While they might not look like a Jeep, they both have the same modification ability and offroading capabilities for a fraction of what a used Jeep might cost.

Get a Car From a Buy Here Pay Here Lot

Buy here pay here lots are one of the easiest ways that you can save on a used car. Instead of having to scrimp and save to buy a vehicle that may or may not suit your lifestyle, buy here pay here dealerships like Auto Now in Belton can save you time and money by helping you do the research, find the car that you want, and make affordable and sensible payments on the vehicle at the same time.

Get started at our Belton location by applying for financing today and scheduling an appointment to meet with one of our knowledgeable sales people. They will help you understand your finance terms and help you get the best deal on a car, no questions asked.

 
 
 
How to Find Car Loans for People with Less than Perfect Credit  Jul 5th, 2019 

Auto Now 79th and Wornall: How to Find Car Loans for People with Less than Perfect Credit

We all love our family and friends, but sometimes they drive us nuts. While some of our loved ones cause stress because of the way they talk to us, others have far more severe problems that can lead even the best friends and family members scratching their heads over ways to help them.

Poor credit is often one of those problems. Perhaps your little brother maxed out one too many credit cards or your BFF has come to you for a personal loan because they were denied one by the bank. They need a new car but are having a hard time saving up because of their situation. Either way, most people are not equipped to lend out the type of money that many people with less than perfect credit need to make such a big purchase. And when it comes time to help out those types of friends, your inability to help might make you feel like a failure, further complicating or burdening the connection between you.

Fortunately, there are car loan options for those who have less than perfect credit. Among other options, buy here pay here offer in-house financing to potential customers regardless of credit, and for terms that are similar to those of a conventional loan. Although it is not the only option for those with poor credit, it is often the most viable one. Here are some ways you can help someone with credit issues finance a car, and why working with a buy here pay here dealership is often the best route for those with credit issues.

Pool Resources for a Down Payment or a Full Payment

Paying a full down payment can be hard for those without a good credit score because, in some instances, it means that the person with poor credit is struggling financially in other areas of their lives. While their friends with good credit might not individually be able to lend the type of money that a person needs, when resources are pooled together by many it can lead to a substantial personal loan that puts little stress on the people lending it. Even many people sharing meager resources to help a struggling friend or family member can be beneficial, though it doesn’t come without a small tax on those who are doing the lending.

If a person you love has come to you for help and they have enough for a down payment on a car, guide them toward a buy here pay here dealership. These types of dealerships have financing for those who might need financial help, and this assistance comes regardless of credit issues.

Find a Way to Work on Credit

If you or someone you love is in the market for a new car in the next couple of years but is struggling to find options that will help them pay for a new car, it might be time to get started working on your credit. Free credit help tools like Credit Karma offer ways to monitor your credit, and watching your credit is the best way to keep track of your progress. Start by looking at all your open credit accounts -- from student loans to credit cards. If you have credit cards with high balances, work on getting those balances down to normal (30% usage or lower is where your balances should be). Then, work on paying your loans on time, even putting in extra money when you have the chance. If you do this regularly over a year or two, you should notice your credit score improve.

However, some people don’t have the option of waiting for their credit score to improve before they take out a new loan. For those folks, it is best to seek out alternate funding options -- like in-house financing from a buy here pay here dealership like Auto Now of 79th and Wornall in Kansas City. Financing through a buy here pay here dealership will even help those with bad credit improve their credit score over time. While that might not come in handy for present car buying purposes, it will impact your ability to make big future purchases, like a mortgage on a new home.

Discuss Loan Options With Lenders Before Signing Off On Anything

A mistake that many first-time borrowers make is signing off on a loan without shopping around. Unfortunately, many who are not new to the lending platform also do this because they feel as though they will never get a reasonable rate. It is essential for anyone, regardless of their credit history, to shop around for loans and discuss other loan options to find a credit score that works for them. Those with bad credit might think that if they get a loan offer from a conventional source, they should take it, regardless of the interest rate. However, there are borrowing options that don’t involve choking on interest over the years you pay it back.

Despite getting a bad rap regarding interest rates, buy here pay here dealerships like Auto Now of 79th and Wornall have competitive interest rates for those with less than perfect credit. Additionally, these in-house loans are designed so that the borrower spends as least time as possible paying off their loans, so they pay less in interest ultimately than they might with a conventional loan.

Consider a Buy Here Pay Here Vehicle

When in doubt, we always suggest turning to a buy here pay here car dealership for your car if you or someone you know needs one but is having a hard time getting one because of their credit. Interest rates are reasonable, we don’t base our offers on credit scores, and we are more than willing to work with someone to find a car that meets their budget and helps get them to a better place financially.

For quality used vehicles at a price that anyone can afford, look no further than Auto Now of 79th and Wornall in Kansas City, Missouri. We help people get back on the road regardless of their credit. Fill out an online application and one of our representatives will get back to you about what we have to offer at our downtown location.

Don’t ever settle for less than the best if you have poor credit. Work with an expert in used cars to get you what you need.

 
 
 
For Sale By Owner or Buy Here Pay Here?  Jul 5th, 2019 

Auto Now 79th and Wornall: For Sale By Owner or Buy Here Pay Here?

The time has come for a new car, and for many of us, that means weighing our options. Very few Americans have much in their savings account, the majority of us with $400 or less. This can mean that a surprise expense -- like buying a new car outright after your current one was totaled -- is out of the picture. That’s where used cars come in. Used cars are a great, affordable way to get transportation when you are on a budget.

Used cars come in all shapes and sizes. However, there are two main ways that most people buy a used car: through a private seller or a dealership. Each option has its pros and cons, but the experts at Auto Now on 79th and Wornall believe that if you are going to make a used car purchase, the most affordable and safest option is to buy from a buy here pay here car dealership.

Ultimately, the choice is up to you. Here are some of the pros and cons of buying a car from a private seller versus from a buy here pay here lot.

For Sale By Owner

You know these types of cars well. They are the cars that you see on the side of the road, often freshly washed with easy to see signs in the window that entice passers-by to stop and take a look at the car. Sometimes, the signs have little more than a phone number to call on them, which can be frustrating for those on a car hunt. Alternately, you can find these types of cars for sale on websites like LetGo and Craigslist. For sale by owner cars are one of the most commonly sought after types of used vehicles.They offer many conveniences to users, but also have their drawbacks.

The Pros

  • You get to pay for your vehicle outright without having to worry about future payments. Being able to pay for a car outright is a big deal for some, and this is an option (and often the only option) when purchasing a vehicle from a private seller. Once you pay the seller, you then only need to deal with taxes, registration, and insurance and you’re set.
  • Sometimes, you buy from someone you know -- making it easy to have someone to turn to if the car starts acting up. If you purchase a vehicle from someone you don’t know, it’s unlikely that you’ll be able to call them up and ask for advice. However, if you purchase it from your Uncle Larry, you’ll have someone to turn to if it starts acting up. Knowing whether a vehicle has had issues like that before or whether it is a first time thing will save you time, money, and likely will protect the car.
  • You save time. Private sellers don’t want to waste their time. Typically, they want to get the sale done and over with as soon as possible. So, if you’re looking for a cheap car quickly, this is a great route to take.
  • Negotiations are permissible. One thing that you cannot do at a reputable dealership is negotiate on prices. For some, having a set price is a relief, but for others, haggling is one of the best parts of purchasing a car. If you’re a haggler, buying from a private seller might be worth it to you, especially if you are willing to take that car in to get checked out for issues before purchase.
  • The prices can be better than what you might find elsewhere. You often can’t beat a private seller pricing. But buyer beware -- sometimes low prices indicate something is awry with the car.
  • You’ll get a rundown of the vehicle history. Although you can get Carfax reports from reputable used car sales places, getting the vehicle’s history firsthand is integral to understanding the car itself.

The Cons

The pros of buying from an owner are pretty high, but there are also the cons to consider. Here are some of the reasons why you might want to avoid buying from a private seller:

  • If you don’t have the full amount in the bank, you will have to find alternative financing.
  • Financing is hard to come by if you have credit issues.
  • It is challenging to know the status of the title before buying it, which can impact your registration and insurance fees.
  • There is no way to feel confident about the mechanics of the car, even if you take it to a nearby mechanic.
  • Some owners are iffy about letting you test drive, which means you will have no idea how the car runs before you buy it.
  • Usually, there is no interior detailing with private seller cars -- you get the car the way it comes, smelly mats and all.

Buy Here Pay Here Cars: A Premium Deal

Buying a used car will always be a gamble. There’s no guarantee you’ll find one you like by the time you need one, and used cars do come with their shares of problems. However, buying a used car from someone who knows what they’re doing -- like Auto Now of 79th and Wornall -- can save you a lot of time and hassle.

  • Buy here pay here cars offer competitive in-house financing. Many people can’t afford to buy a used car outright, so being able to finance a vehicle is their only option. A one-stop shop at a buy here pay here dealership offers financing options without having to worry about bank terms.
  • In-house financing is available regardless of credit. While you usually can’t finance a car from a private seller, you can take out a bank loan. However, if you have credit issues, bank loans are usually off the table. Buy here pay here lots offer to finance to people regardless of their credit, helping people get the car they need based on their income and ability.
  • Buy here pay here dealerships must be up-front about their cars. Lemon Laws, or federal regulations that prohibit used car dealerships from being secretive about their inventory’s issues, exist to protect potential buyers. Auto Now of 79th and Wornall takes excellent care of their stock but also follows federal regulation that protects customers.
  • Feel confident about the safety and reliability of the car with warranties. All the vehicles at our dealerships have 24-month warranties so our customers can feel that their purchase was made with their best interests in mind.
  • Rebuild your credit if you have credit issues. You can rebuild your credit quickly by making on-time, complete payments on your auto loan.

There are even more benefits to purchasing a car through a buy here pay here dealership, but we encourage you to stop by our dealership to inquire about those benefits. Kansas City residents and those living in the greater Kansas City metro should stop by our 79th and Wornall location, or contact us with more questions.

 
 
 
Rebuilding Your Credit with a Buy Here Pay Here Car  Jun 13th, 2019 

Rebuilding Your Credit with a Buy Here Pay Here Car

Ah, the mystifying credit score. If you’re someone who has signed up for a credit monitoring service like Credit Karma, or have even checked in on your credit score using one of the main credit bureau websites, you have the ability to see how healthy banks think your spending, saving, and credit habits are. For something as invasive as the common credit score, it still functions as a deeply mysterious part of modern life. Credit scores are a reflection of the financial transactions that credit bureaus deem the most important. Mainly, this consists of how high your credit balances are, how many lines of credit you have out, and how timely you are with paying toward your financial obligations. It seems fair to say that in most instances this would be an accurate depiction of your financial worthiness, right?

In reality, the credit score is far more complex. This is apparent in the percentage of adults who do not understand how a credit score works. Nearly 32% of Americans are fuzzy on the concept of the credit score, and an even greater percentage have a lower than average credit score. Without understanding the basic concepts of credit, it is impossible to improve your credit score in a timely and effective way. One of the most influential factors on the credit score that many don’t know about is that not all financial accounts report the good things - only the bad. Things like new car dealerships, rental agreements, and other things you commonly pay for are not reported consistently like a missed credit card payment is. For those with less than perfect credit, this can hurt you.

This is where rebuilding your credit comes in, and this is something that the specialists at AutoNow in Wichita can help you with. By going over your monthly financial obligations and helping you pick out a car that you can afford to pay back, you will rebuild your credit in no time, paving the way for heftier investment opportunities in the future.

How Does the Repayment Schedule Work?

Each buy here pay here lot is different, but essentially, a buy here pay here car dealer will work with you to determine the best repayment schedule for you as a borrower. Have a certain date that you can’t make payments on? That’s something AutoNow can work with. Would you prefer for your car payments to be automatically made on the same day that the rest of your bill payments are made? That’s also something that most buy here pay here companies can work with.

The dates of the payments aren’t the only way that the repayment schedule can be customized. Buy here pay here car dealerships also typically work with your base monthly income to find a car on their lot that fits in with your financial needs. In summary - they help you make a sound financial investment that is practically impossible to fail at. All those on-time payments add up and rebuild credit scores quickly.

I’ve Been Denied Lines of Credit in the Past. How is This Different?

Lines of credit come from credit agencies whose jobs are to make sure that they get their investment back. Because they see a large number of customers each month, they also must make decisions in the most timely way possible. Unfortunately, this means either denying a perfectly capable potential customer their right to a loan, or asking that customer to pay exorbitant amounts back to them on their interest.

A buy here pay here dealership is a specialized lender, which means they have more time to better understand their customers’ financial situations. Buy here pay here dealerships are also dependent upon making car sales, so they are generally more willing to lend to you if you can prove to them in other ways that you will be able to make consistent payments. Most often this proof can be supplied by handing them income verification, references, and evidence of other financial obligations. This information will help buy here pay here car dealerships make the most informed decision about lending to you.

How Do I Know I’ll Be Able to Make Consistent Payments?

You know that you never want to be in a situation where you can’t pay someone back. For the lending party, this feeling is doubled. Sure, buy here pay here car dealers still need to sell cars, but they aren’t going to sell cars to customers if they don’t think that the customer is going to be able to pay them back. This ultimately leaves them with less money and with a less valuable car.

Although the application process is streamlined and relatively easy, it is set up the way it is so that customers and the company alike will never need to worry about their ability to pay back the amount of the car. At AutoNow in Wichita, we check over all the information provided to ensure that the offer we make you will eventually be paid back without a hassle to either of us.

How Does This Repayment Impact My Credit Score?

Buy here pay here car dealerships record your payments and report back on them to credit bureaus, much in the same way that a credit card company might. However, these payments are usually larger than payments like credit card payments, and therefore make a bigger impact on your credit score overall. The bigger the payments you make, and the timeliness of those payments, all impact your credit score over time. Essentially, they rebuild your credit in half the time that a traditional loan might, and with the added benefit of getting a new to you car.

You don’t have to be in need of a new car to utilize the lending options available at AutoNow of Wichita. We’ve helped thousands of people rebuild their credit by financing a used car at one of our lots. Stop by our Wichita location to get started with a new to you car and a new chance to quickly rebuild your credit with more benefits than ever before.

 
 
 
Options For Buying a Used Car with Less Than Perfect Credit  Jun 13th, 2019 

Options For Buying a Used Car with Less Than Perfect Credit

For those of us with bad credit, purchasing a used car seems like more pain than it is worth. Often, it requires scouring the internet to find some automotive junker that meets the financial needs of your savings account. You know that it will eventually give out on you, but you can’t afford not to purchase it. After all, you have a job and needs. Other times, it requires taking long swaths of time out of your regular schedule to meet with lenders, car dealers, and others who are integral to the used car buying process. If you have past credit issues, there’s no guarantee that meeting to discuss these things will even result in the ownership of a car.

None of these moments are ideal - they’re disruptive at least, and invasive at worst. For those with less than perfect credit, these steps are even worse because they are things that must be done even without knowing that you will undoubtedly get the car you want. For those with previous credit issues who want the option of buying a quality used car, one of the best routes that can be taken is purchasing through a buy here pay here car company. Buy here pay here car lots work with people regardless of credit history to get the cars that they need - and that goes for AutoNow of Wichita, Kansas.

Here is why you need to consider a buy here pay here car lot as a front runner for your used car needs.

First Time Purchasing? Fill Out an Online Application!

Your first time purchasing a quality used car doesn’t need to be a hassle. There are certain pieces of information that you will need to apply for financing options with buy here pay here companies like AutoNow of Wichita. These include your post-tax income information, state identification, and things like your monthly financial obligations. Many people who drop into buy here pay here lots without an appointment don’t have this information on hand. However, filling out our handy online application saves time on your end and on the end of the dealership.

We understand that your time is extremely valuable. Like many technological innovations, online applications are designed to work with your schedule and time constraints. Fill it out at work or on the couch while your kids are watching a movie. It’s that simple, and you can do it from the comfort of your home.

Work With a Dealership to Come Up With a Payment Plan That is Right For You

Where many car buyers go wrong is purchasing a vehicle whose payment plans don’t fit with your lifestyle and needs. New car dealerships will sometimes lend more to those with good credit scores, and when their monthly payments come, those customers can find themselves in a state of shock, awe, and payment default. The same comes from those who might not have perfect credit who decide to take out a loan for a higher interest rate - they find themselves surprised to see the amount they owe after interest and sometimes cannot make the payments.

Buy here pay here dealerships understand the struggles that those with less than perfect credit go through, and they cater their repayment and financing options to fit with lifestyles. They won’t offer you anything that they believe you cannot afford, and that helps you rebuild your credit as you repay a car that works for your lifestyle and budget.

Spend Less Time Paying Off Your Loan and Ultimately Pay Less

Even for those who get the unpleasant surprise of a higher-than-expected loan rate and can pay it off wish that they didn’t have to spend so much on their loans. A shorter loan repayment period, like those offered by buy here pay here car dealerships, ultimately means less money spent. Credit companies make their money by requesting interest on the amount they lend to you. This means that the longer you pay something off, the more money they make. Eventually, you are faced with asking yourself whether it is worth it to feel a little more comfortable each month but pay more or pay less? Many find that even with a higher than average monthly payment on a car, they don’t usually feel the sting and prefer having their payment period shorter than average.

Don’t Settle For Something You Don’t Like

Sure, you can find used car options online that support your lifestyle. There are plenty of websites and online dealerships that will provide any used car you can think of under the sun. You might even have your eye on something that looks fancy or something that can take you on the trip of a lifetime. We all do it - dream about something that we deeply desire with the hopes that someday we might get it. Unfortunately, if you have less than perfect credit and don’t have enough saved up for the full amount of the car you want, you might be out of luck. Potential buyers sometimes avoid buy here pay here car lots because they think that they might not have precisely what they are looking for. However, the truth is that buy here pay here car dealerships like AutoNow of Wichita have a more comprehensive selection of reliable used vehicles than you can find anywhere in your state.

Don’t find yourself stuck between a rock and a hard place. Buy here pay here car dealerships help their customers find a used car within their price range and repayment ability while also letting them choose from a greater selection of vehicles than they would have online. It benefits the company to help you get something you like, so don’t settle for anything less.

If you are stuck on where to go from here now that you need a car and know you have less than ideal credit, consider stopping by AutoNow’s Wichita location. We have an extensive used cars selection with options for everyone on the credit spectrum. Fill out our application online to save time, and we will contact you once you’re approved. We look forward to helping all who apply get the transportation they need to live in the modern world.

 
 
 
Buy Here Pay Here Auto Financing Explained  Jun 13th, 2019 

Buy Here Pay Here Auto Financing Explained

Chances are likely that if you’ve driven on a highway anywhere that passes through a big city, you’ve seen a buy here pay here car dealership. They’re almost unavoidable - with flashy signs outside their establishment, a variety of cars of all makes, models, and years, and sprawling lots. Deciding to go into a restaurant that looks like this (with all the bells and whistles on the outside) is a gamble, so why wouldn’t an establishment trying to sell you something as big as a buy here pay here car not be a gamble? Unfortunately for buy here pay here dealerships, this type of thinking and lot decoration have given them a bad rap. Buy here pay here car dealerships are some of the most affordable and dependable places you can find to buy a car. There are usually hundreds of different vehicles to choose from, affording potential buyers a greater choice. They let buyers who typically would not be able to afford a car have the opportunity to get one. Finally - they’re very affordable.

Still, armed with this knowledge, many avoid buy here car dealerships instead of other options. If we had to guess, part of the turnoff from buy here pay here lots probably comes from how different their payment process is from the normal borrowing process.

Buy here pay here auto financing shouldn’t be some strange, unobtainable piece of knowledge only available to the most advanced car buyers. It is a simple deviation from standard lending options, and with the right understanding about the process, it is possible to gain a lot from it, especially if you have previous credit issues. Here’s a quick breakdown of what makes buy here pay here car financing so different and how you can use it to your advantage.

Applying Online Regardless of Credit

The first step in getting approved is letting yourself take that first step. Too often, those of us with bad credit don’t allow ourselves to apply for the things they want - out of shame or otherwise. We promise our potential customers that regardless of their credit history, we want to give every one of our applicants a chance. There are specific qualifications that must be met, but none of them have to do with credit history.

Apply at home to get the most out of this effortless application experience. At home, you’ll have safe access to your social security number, driver’s license number, and financial information. All of this information will help the folks at AutoNow of Wichita make a decision on how much to lend to you, and all this sensitive information will be appropriately stored to ensure the safety of our customers.

Getting Approved

Getting approved for buy here pay here financing at AutoNow is relatively simple. We only ask that you make a base amount of money after taxes each month - a meager $1200. This amount shows us that you have at least a part-time job and are diligent about making money to pay off your investment. You’ll be approved after you submit the information asked on the online application, and you’ll be able to start shopping for your car then!

Picking From a List of Pre-Approved Vehicles

Most of the time, car shoppers pick out their vehicles before they get their loan. But with buy here pay here car dealerships, this process is a little different. First, you apply for financing with the buy here pay here dealership. From there, based on your financial obligations, you will eventually be approved for a certain amount. Once you get that approval, you’ll be able to browse a selection of pre-owned vehicles that work with your loan amount. We guarantee all our pre-owned vehicles, so even the ones that cost less are trustworthy and can be considered as primary drivers.

Meeting With a Representative & Signing Ownership Papers

Finally, once you have your funding and an idea of what you want, you meet with a representative from Auto Now of Wichita. They will assure you’ve made the right choice for your financial situation and will get you set up with ownership papers. You’ll need to make sure that you have everything you need to prove your ability to own a car, even though you will have most likely already filled out the approval paperwork beforehand.

Once you sign the paperwork, you are good to go! You’ll be able to drive away with your new car in much less time than it would take someone applying for credit for a new car or a bank loan for an old car.

Is Buy Here Pay Here Auto Financing a Good Choice For Everyone?

At AutoNow of Wichita, we firmly believe that investing in a buy here pay here car is an excellent choice for a variety of people, regardless of credit history. There are many reasons why you’d want to take the opportunity to buy a buy here pay here car if you got one. For one, it is possible to rebuild your credit and get on track for more significant lending opportunities by taking advantage of the quick payment terms available through AutoNow. Even if you have a perfect credit score, it can’t hurt your score at all to make consistent and on-time payments on a big purchase like a car. Buy here pay here vehicles also are great cars for those who might need a daily driver that is different than their work truck.

Finally, keep in mind that a buy here pay here car is still a used car. It doesn’t profoundly differ in its makeup, just in its application. Using this alternative lending system, you’ll find many more doors will open to credit-related opportunities.

Getting started with an online application today will kickstart your lending opportunities with AutoNow of Wichita. Alternately, you can stop into our Wichita location on Seneca street to speak with someone who can help you understand the importance of buy here pay here auto financing. Don’t let the complications of financing a used car get you - work with AutoNow to get your next vehicle.

 
 
 
AutoNow - Your Choice for Used Cars in Wichita  Jun 13th, 2019 

AutoNow - Your Choice for Used Cars in Wichita

Have you ever gotten overwhelmed just looking at a wide variety of something simple, like different milk brands at the grocery store or a list of local yoga studios? As silly as it might seem, overwhelmed feelings are a natural response to a new potentially dangerous situation. While it’s unlikely that anything will ever come of these feelings, there’s no pretending that the feelings don’t exist. Car buying choices often solicit the same overwhelmed feelings, just at an amplified level. It’s worse when you have a consistent stream of hometown car dealerships promising that they provide the best service in the area. When you’re struggling with making a choice on where and how to buy your next car, turn to the folks at AutoNow of Wichita. With a wide selection of vehicles and an open door policy when it comes to credit history, they are the best choice for used cars in Wichita, Kansas and have been since 1996.

How is Auto Now of Wichita Different?

As with most buy here pay here car dealerships, the application process is much different than your typical car purchase. With all other car purchases, you would usually find the car that you wanted and apply for financing on that car. This process might take days to weeks, and ultimately can cost more in time and money than initially planned. The best option for avoiding the wait times on traditional lending options and getting the used car you need in a timely fashion? Working with a buy here pay here car dealership like Auto Now of Wichita.

We aren’t just any buy here pay here car dealership, however. Purchasing a used car through AutoNow has multiple benefits, all of which allow the potential buyer options pertinent to their final purchase choice. First, you’ll fill out an application which will supply AutoNow with the information needed to make an informed decision about the amount they can lend to you. Next, you’ll get approved and meet with someone from the company. Finally, you’ll pick out the car you like based on the amount you were lent. This prevents you from overspending on a car all while helping you rebuild your credit and get back on the road.

Why Choose AutoNow of Wichita?

Of course, with there being so many different used car dealerships all over the United States, it would make sense that even if you decided you were going to buy from a buy here pay here car lot, you might not have the wherewithal to make the decision to buy from AutoNow of Wichita. We believe that turning to us for help is one of the best ways to avoid confusion in the car buying process and get the help you need.

Are you still on the fence about where to buy your next used car? Do you think you have an idea about what makes a great used car option but are intimidated by the sheer amount of products on the market? Here are some of the reasons that AutoNow of Wichita should be at the top of your list when it comes to purchasing your next car.

  • Convenience. Buying through Auto Now of Wichita is one of the most convenient car buying processes available to potential car buyers. With multiple locations around Missouri and Kansas, AutoNow caters to many different potential buyers. The application process is extremely easy, and even more so if you decide to get started online. Simply navigate to our website and fill out the online application. From there, head into one of our stores to get started. After your eligibility is determined and you speak with someone at one of our locations, you’ll be able to pick out your car. Often, those who visit with the intention of buying a car can leave with that car the same day.
  • Affordability. The cars at our locations are extremely affordable, but don’t skimp on their reliability. We buy used, which keeps our inventory varied and allows our customers to find a car that works for them despite their financial and personal needs. And though we take the time to fix the issues with the used vehicles we take in, we will never overprice the vehicles we sell. You’re guaranteed to get the best rate for the vehicles we provide.
  • Dependability. Let’s face it. If you cut corners, it often comes back to bite you. This goes equally for car buying. Although finding a car that is not too expensive for you to afford payments on is a good idea, there is a right and a wrong way to go about doing this. AutoNow offers an extensive collection of used cars that are backed by our 24-month limited warranty. We understand that getting a dependable used car is a huge risk that car buyers take, and we strive to negate that risk as much as possible.
  • Loan approvals regardless of credit history. If you think that your ability to afford a quality used car will be forever hindered by your credit history, AutoNow is the right stop for you to get started on owning a new to you car. Instead of focusing on your credit history - a determination that is not always the big picture - we focus hard on understanding your financial situation. Previous issues with on-time payments, high credit balances, or many loans out at once will not impact your ability to get financing through AutoNow.

AutoNow, located on Seneca Street in Wichita, has over twenty years of commitment to used car buyers who find themselves in need of assistance. Whether that assistance relates to their financial situation, how quickly they need their car, or otherwise, we believe our service is superior to our competition. To learn more about why we should be your first choice for used cars, visit our website and fill out an application. We’ll set up a time for you to come in and learn more about the buy here pay here car process and how AutoNow can benefit you.

 
 
 
5 Maintenance Tips For Your Buy Here Pay Here Car  Jun 13th, 2019 

5 Perks of Buying from a Buy Here Pay Here Dealership

Car buying is a process. It requires extensive research into the types of cars that would be best for your lifestyle and budget, all while trying to maintain some preference for the kinds of vehicles you like. It also requires you to have a good sense of what your own financial situation, which with the way credit industries work can be rough. You can pay all your bills on time and have quite a bit of money left in savings while still having a low credit score. Credit scores were designed to help those who wanted to make big purchases using credit, but they are not the big picture.

By default, the way that credit scoring is designed, it does not help anyone with less than excellent credit make big credit purchases. This can make car buying hard, even if you are mostly good with money and understand what you want. That is why so many people choose to buy from buy here pay here dealerships. Not only do they offer in-house financing, but they have perks that extend to all areas of the car buying process. Here is AutoNow of Topeka’s list of the five biggest perks of buying from a buy here pay here dealership.

Check Out Out 5 Perks Of Buy Here Pay Here

Buy Here Pay Here Dealerships Offer In-House Financing

Finding the money to purchase a car is often one of the most tedious parts of the car buying process. Even if you have a substantial amount saved, financing through a dealership or a bank takes time. You must go into one of their locations and meet with a loan officer, have your credit checked, and then wait for fund disbursement. This process can take weeks if your credit is good, and if you have credit issues, it can take weeks and then result in credit denial.

Buy here pay here dealerships are a one-stop shop, and they save time and money by offering their customers financing based on their financial abilities. With this dealership, you don’t have to look elsewhere for funding, and you can usually shorten the time from application to ownership to a day or two.

Anyone With Income Can Finance Through A Buy Here Pay Here Dealership

Those with less than perfect credit also have a hard time getting the financial assistance they need. Usually, anything less than a “very good” credit score will result in higher interest rates at least. If you have fair or poor credit, you will usually get denied. The problem with this is that many of the people with fair or poor credit also are living paycheck to paycheck and are dependent upon their car to get to work. The issue is cyclical, and without outside funding, car buying prospects for those with less than stellar credit can seem bleak.

Those who make a very low base income of $1200 after taxes or more can apply for in-house financing with buy here pay here dealerships like AutoNow of Topeka. The dealership will evaluate your financial situation and come up with a lending solution that will work for you. From there, you will be able to browse their used cars and make a selection based on the lent amount.

You Can Rebuild Your Credit Using a Buy Here Pay Here Dealership

Even better, your on-time car payments can improve your credit score once you start making payments on the car you choose. Buy here pay here cars are credit investments, and like things credit cards and mortgages, the substantial investment you make on your vehicle is reported to credit bureaus. As you pay off your car, you have the added benefit of not only having a driveable car that will help you maintain job stability, but you will be rebuilding your credit along the way.

Their Inventory is Much More Diverse Than Other Dealerships

If you’ve tried to shop online from private owners, you know that the diversity of available cars can be bleak. You’re either stuck with a reliable vehicle that you don’t necessarily like, or you’re taking a chance with a car you want but don’t necessarily trust. Buy here pay here cars are much more reliable than your average third-party car, and dealerships have a more extensive range of vehicles all in one place, which makes your final decision that much easier.

You Can Get a Car Quickly

Many people have been in this situation - they are taking great care of their car, following all driving rules, and using their car to get to and from work. Then one day, someone rear ends or slams into the side of their vehicle. The accident wasn’t your fault, but you’re all of a sudden left without a car and no way to get yourself to work. You need a car fast, and financing through a bank isn’t going to cut it. Even with your excellent credit score, you know it is going to take days to weeks to get the money you need to purchase a new car.

So, you head over to a buy here pay here dealership. One of the greatest perks of financing and purchasing at this sort of one-stop-shop is that you can quickly get a car within one to two days. You simply fill out an application, get approved for a car, then sign the ownership paperwork. Once you get your insurance information figured out, you can easily get back on the road and shouldn’t have to miss another day of work because you were left without a car.

If you’re sick of going through the same motions over and over again to try and get a quality used car, turn to AutoNow of Topeka, Kansas for your car buying needs. With in-house financing, a range of used vehicles backed by warranty, and a friendly and helpful staff, you won’t need weeks to find the right car for you. Start by filling out one of our secure online applications. Upon approval, a representative will be in contact, and you can set up an appointment to meet. We look forward to showing you how beneficial buying a buy here pay here car can be!

 
 
 
5 Maintenance Tips For Your Buy Here Pay Here Car  Jun 13th, 2019 

5 Maintenance Tips For Your Buy Here Pay Here Car

Don’t let people on the internet fool you - there’s no reason a used car has to be less reliable than a new car. Even the latest cars on the lot will eventually need maintenance, and if a used car requires a big fix, it is generally because a substantial issue has been ignored for far too long. Used vehicles will need maintenance, just as any mechanical tool needs regular maintenance. However, you can avoid making big fixes almost altogether on any vehicle by keeping on top of routine car maintenance. Maintaining a used car is a little different than maintaining a new car, but the essential elements of each are mostly the same. Here are five maintenance tips that will help you keep your buy here pay here car in tip-top shape so you can enjoy it for years to come.

Take A Look At Our 5 Buy Here Pay Here Maintenance Tips

Check Up on Your Fluids

Most car owners know to check their oil regularly, but they should also be periodically checking the transmission fluid and power steering fluid from time to time. These fluids are part of what keeps individual car parts running smoothly. Running dirty fluids through your transmission, power steering, or otherwise can damage those car components. Likewise, running out of these fluids can be disastrous, as well. Even if you recently got your oil changed, you should check your fluids once every 5,000 miles, or sooner if you are going on a long trip. Any indication that you might be losing fluids or if your fluids turn a funky color might mean that it is time to get them changed.

Check and Change Your Air Filter Regularly

The air filter is the lungs of your car - they are what provide clean air to the engine and the interior. If you have noticed yourself sneezing more in your car, or maybe have noticed a musty smell when you step in, you might need to change your filter. However, the reason why you should regularly change your filter does not stop at your health. Instead, it extends to the health of your car. Many of the most common issues with vehicles can be attributed to air filters, from an overheating engine to lower gas mileage.

You can think of used car health in the same way that you think of human health. The older the car gets, the more susceptible it is to damage caused by things that might be preventable in newer cars. Since so many issues are caused by the air filter being dirty or old, it is vital to keep on top of these things. The air filter in a used car should be changed every 8,000 miles, or every 18 months if you live somewhere that has a lot of dust or travel on many dirt roads. The filter should be changed sooner if you notice that your mileage per gallon has gone down, your engine is idling roughly, or if your check engine light comes on. Replacing the air filter can prevent hefty mechanic bills and can also extend the life of your engine.

Clean & Inspect Your Windshield and Replace Wipers As Needed

Something that some of us do rarely is clean and wash the windshield. You might be wondering why this is an essential part of the maintenance routine, and part of the answer has to do with common sense. First of all, you are less likely to get into an accident if you can clearly see through your windshield. Even bug splatter on the windshield can increase the likelihood of a wreck. Nearly 23% of accidents each year are caused by poor visibility while driving. Keeping your windshield clean and clear will prevent accidents, and therefore should be considered a maintenance tip for your car. Stop and clean off bugs if you go through a large patch, and make sure that you change out your windshield wipers at the first sign of disrepair. This could save your life.

Another reason why your windshield should be clean and well-maintained is so that you can keep an eye out for cracks and dings in the windshield. A single ding could turn into a shattered windshield while driving, so regularly inspecting your windshield will prevent accidents and prolong both your life and the life of your car.

Balance and Rotate Your Tires

Nothing causes more issues than driving a car on balding, old tires. It causes parts of the vehicle to work harder, which eventually causes part failure before the part’s natural time. Part failures are some of the most substantial repairs that you will ever make to your car, and therefore it is worth it to balance and rotate your tires regularly. Additionally, normal balance and rotation of your tires will allow each of your tires to get the same amount of wear, which lengthens the life of your tires, keeps you safe, and ultimately saves you money.

Your car’s manual will tell you how often you should be rotating your tires. Each vehicle is different, so it is vital to check in and save yourself repairs down the road.

Regularly Get Your Brakes Checked

Concerning components of your car, the brakes are the most important things to check when it comes to your safety and the safety of your vehicle. They are what prevent accidents - the ultimate car maintenance disaster. You can get your brakes checked when you rotate your tires - once about every six months. Professional brake checks can save your life, so don’t opt out of them and don’t take any shortcuts when it comes to maintaining your brakes.

You know your car better than anyone, so ideally you will pay attention to all the little ticks your car has naturally. But when it comes to these five maintenance tips, it’s better to stay on a regular schedule and make sure that each of these components is in working order. Otherwise, you might find yourself looking for a new car sooner than you expected.

For personalized buy here pay here car financing in a local setting, come on over to AutoNow in Topeka. We provide financing to anyone looking for a new car, regardless of credit, and we make sure that these five maintenance tips are performed before you purchase your new vehicle. Stop by our Southeast 29th street location to get started today.

 
 
 
Need a Car Buy Your Credit is Less Than Perfect? Consider Buy Here Pay Here  Jun 13th, 2019 

Need a Car Buy Your Credit is Less Than Perfect? Consider Buy Here Pay Here

The average credit score in Kansas is 697. When you’re thinking about this number in relation to the perfect score of 800, this doesn’t seem like a terrible score. However, a 697 is only in the “good” range for a credit score, and even this can impact your ability to get a reasonably priced loan on something. According to Experian, even though a 697 score is technically good, potential borrowers often see this number only as “acceptable.” This leaves those with a good credit score susceptible to higher interest rates despite their best efforts to remain financially ahead.

Averages indicate that some people are actually below this number, which means that for the majority of folks in Kansas, obtaining financing from a bank or a credit company is either impossible or comes with a substantial interest. This information is enough to make anyone want to avoid traditional funding. But when we avoid traditional financing, how are we able to purchase a car without spending years saving for one?

The answer can be found in buy here pay here car financing. Buy here pay here dealerships offer quality used cars and financing regardless of credit history. When used correctly, those who work with buy here pay here dealerships can get an affordable, reliable used car and also work on improving their credit scores for future borrowing purposes.

Why Consider Buy Here Pay Here Cars?

Chances are likely you’ve probably heard something scathing about a fbuy here pay here dealership at some point in your life. They are often written off as having high interest rates, poor used car selections, and having sneaky dealers who are only in it for the money. These misinformed statements could not be further from the truth. Buy here pay here dealerships make their money by helping out customers who need financial assistance but cannot afford it elsewhere, yes. But it is not through exorbitant interest rates or underhanded deals. The majority of our income comes from loyal customers who refer others to our services, as well as customers who come back for our inventory time after time.

Buy here pay here financing is easy to apply for, and usually, once a person is approved for financing, they can drive away with a car the same day they visit the dealership. Buy here pay here dealerships incorporate your monthly income and financial obligations into their final lending amount, unlike private sellers or factory dealerships. This helps you make financially healthy decisions on purchasing a used car while also taking out a line of credit that will ultimately improve your credit score.

How Does the Application Process Work?

Either online or in-store, you will fill out an application that is a comprehensive look into your finances. For AutoNow of Olathe, the questions on the form include your work history, your monthly financial obligations (like rent, bills, and other loans), your net monthly income, how much you can afford as a down payment, and how much you are willing to spend on a monthly payment. You’ll submit this information to the buy here pay here dealership, and one of the salespeople at the dealership will review it. Their knowledge of finance is involved, so from there they will approve you for a smart amount that makes sense based on your answers. They will collect sensitive information, like your social security number, but it will only be used for verification purposes and will be, so your identity is safe.

How Does a Buy Here Pay Here Car Improve My Credit Score?

A buy here pay here car is a big purchase made on credit. Like any other big purchase made on credit, the history of those payments are reported to credit industries. Since your in-house financing is specifically catered to you, there is little chance that you will not pay your bill on time or for the full amount. Therefore, your continued and timely payments ensure that the buy here pay here dealership makes positive reports to credit bureaus. Over time, this increases your credit score, as well as having another credit account open.

How Can I Trust a Used Car?

It can be hard to trust used cars, especially when you know little to nothing about the history of that car. However, AutoNow of Olathe is a certified pre-owned car sales shop, and therefore, it must follow federal regulations to be sold as such. Our used cars’ maintenance history is available upon request. Most used car sales places will disclose anything wrong with the vehicles that they are selling, but AutoNow does our customers one better. We stand behind our cars, making sure that they are road ready by the time our customer visits us at one of our locations. Additionally, we offer a 24-month warranty on all our cars as a way of saying we know that our inventory will be right for you.

Long story short, you can’t trust just any used car. To trust a used car, you should visit a buy here pay here shop like AutoNow of Olathe, Kansas. Sometimes, having the law on your side is the best option for knowing you can trust something. With AutoNow, who takes the legality of their certified pre-owned status very seriously, you can trust our word that our used cars are better than our competition or than any private seller you might encounter.

 

More About AutoNow

AutoNow of Olathe, Kansas has been offering a variety of exceptionally reliable used cars to Olathe area residents since 1996. Promoting good credit health and car access for all, AutoNow works with those who need cars but might not have outstanding credit. Everyone makes mistakes in their life, and the majority of people will make a mistake that will impact their credit. Don’t let that mistake haunt you for years and prevent you from getting the financing help you need.

Visit AutoNow in Olathe on 1404 East Santa Fe Rd. or call us at (913) 764-8989 to schedule an appointment. Save time by applying for financing online before you come in. We look forward to helping you improve your credit by purchasing an affordable used car.

 
 
 
How to Buy a Car if You Have Poor Credit  Jun 13th, 2019 

How to Buy a Car if You Have Poor Credit

Poor credit does not just impact your ability to buy things -- it can also affect the quality of your life and health. For a large portion of the population, credit score issues are directly related to the amount of debt that they have in their name, and the number of people with more than $40,000 of debt is growing each year as more and more young people enter college. High balances on lines of credit can deeply damage a credit score, preventing them from affording a home mortgage, car loans, and more. All these issues play into your quality of life, and a recent interview with Dr. John Gathergood of the University of Nottingham pointed out that those who struggle with debt (and therefore also struggle with credit) are 50% more likely to have depression and anxiety issues.

The good news is, potential car buyers don’t have to worry about how they are going to purchase cars should they need them, and their purchase of a vehicle might help with their financial situation. Those with credit issues have options for buying a car, and those options are easier than they might expect.

Research Buy Here Pay Here Car Dealerships

Buy here pay here car dealerships have a bad reputation for no reason. Because of this, very few people who need a car opt to use one of these dealerships. Really, buy here pay here dealerships are one of the most efficient tools that anyone, including someone with less than perfect credit, can use in their car buying search.

The best way to research buy here pay here car dealerships is to start with your location. Finding a dealership nearby you will help you maintain a relationship with the dealership, so if you do end up purchasing from them and have any issues after purchase, you can keep in touch with them. AutoNow has locations all over Missouri and Kansas, and if you live in the Olathe area, then AutoNow of Olathe will be able to help you out the best. Once you find a buy here pay here dealership in your area, you can then start applying for financing.

Apply Online at a Buy Here Pay Here Car Dealership

Do you need to finance a car through a buy here pay here dealership? Of course not. Like any dealership, buy here pay here dealerships will take cash, check, and will work with bank loans to provide you with a car you like. However, in-house financing like the kind offered at AutoNow in Olathe is a big draw for those who have issues applying for outside funding from places like banks. To get financing from a buy here pay here establishment, most will have online application forms you can fill out.

Once you fill out the online form, you will be quickly approved for a specific lending amount based on your income, and you will be able to find a new car from their lot based on what you are offered.

Do Your Research and Find a Car That You Like

The process of getting a car with in-house financing is different from ordinary car buying. Typically, you’d find the vehicle you want first and then apply for a loan to get that car. With buy here pay here car applications, your first step is getting approved for financing and then picking out a car based on your loan offer. AutoNow and other reputable used car dealerships will always have a wide selection of vehicles to choose from, so never worry that you won’t be able to find something you like based on the amount you are offered.

Visit The Dealership and Sign Ownership Papers

So, you’ve applied for in-house financing, received the official green light to start shopping, and have a car in mind for purchase. Now it’s time to visit the dealership. Once you have an idea of what you want, you take yourself over to AutoNow’s location in Olathe, and they will walk you through the rest of the process. Working with a buy here pay here dealership generally takes much less time than working with traditional dealerships, so if you’ve worked with conventional dealerships and private sellers in the past, you’ll be pleased with how little time this takes. Usually, you can visit the dealership, sign the ownership papers, and drive away in the same day.

Watch Your Credit Score Improve Over Time

If you have less than perfect credit, the excitement of getting a used car from a buy here pay here dealership doesn’t stop at signing. Because the purchase of a buy here pay here car is a significant credit investment, your payment history is reported to credit bureaus just as any other big purchase might be. Having another credit account open automatically improves your credit score, and making consistent payments on that account also enhances it. Over time, you’ll be able to get your credit score back up to a decent number, and you’ll have your new car to boot.

Having a reliable car can be a gateway to greater things. A better job somewhere you can commute to, a better credit score, and even the ability to turn a profit on your used car once it is paid off. It’s easy to get discouraged if you struggle with credit, but it shouldn’t get you down. Know you are not alone, that it is something that can be remedied, and that you still have options for financing big purchases like a car.

AutoNow of Olathe, Kansas, is one of the leaders in quality used cars for a variety of potential car buyers. We are committed to providing comprehensive service options to customers across Kansas and Missouri and have multiple locations in each state. In service for over 20 years, our salespeople are competent and willing to go the extra mile to help you buy a car if you have poor credit. Start by filling out our online application to see how much financing you qualify for, and we will help you with the rest!

 
 
 
What to Consider When Buying a Car with Less Than Perfect Credit  Jun 13th, 2019 

What to Consider When Buying a Car with Less Than Perfect Credit

If you came to this article with a headache from all the car buying hoops you’ve had to jump through already because of your credit, please don’t turn away from what you’re about to read. Buying a car with less than perfect credit can be discouraging because popular culture makes it out to seem like one of the hardest things a person can do. Realistically, if you have credit issues, you can’t expect to finance something like a Corvette, but there are ways around saving up half a year’s salary and paying exorbitant amounts of interest to buy a new to you car.

Here are some things that you should consider when buying a car with less than perfect credit. Most of the time, these considerations are overlooked when car buying is on the docket, but keeping them at the back of your mind will save you time, money, and frustration when the time comes for getting a new car.

You Will Have to Check Your Credit to Avoid Getting Overcharged on a Loan or Line of Credit

Are you one of those people who just knows that their credit is bad and doesn’t want to address the issue? In a recent Money Tips survey, nearly 30% of the people who responded said that they didn’t know their credit score, and many of those who avoided looking up their credit score were doing so because they were afraid to look. However, during the car buying process, you should look at your credit score regardless of whether or not you think it is low. Credit scores change reasonably frequently, and therefore, you’ll want to stay ahead of the businesses through which you are trying to finance. Otherwise, you might find that you are being taken advantage of.

You Will Have a Hard Time With Traditional Financing Avenues

The sad reality of financing a new car is that it is nearly impossible to get a decent loan through traditional means if you have past credit issues. This shouldn’t discourage you from getting the help you need, however, it is essential to know that banks and credit agencies will either deny you a loan or will hike up your interest rates on a loan -- and when you are paying off that loan at a regular pace, that can make a significant impact on your finances.

Going through an alternative means of financing, such as buying through a used car dealer like AutoNow of Independence, will save those with less than perfect credit time and money.

You Will Likely Need to Buy Used

The chances that you’ll be able to buy the newest make and model of a car with a less than perfect credit score are relatively slim. New car dealerships usually will not finance their vehicles to those with credit issues, and banks might, but it will be a hassle. However, there are many affordable and reliable used car options that can be just as nice as a brand new car.

You Should Look for Certified Pre-Owned Vehicles With a Warranty

A myth that people with poor credit face is that they have to buy the “Craigslist Special” because they have no other option. After being denied loans and financing routes, many with credit issues revert to buying a junker car outright. The problem with junker cars is implied in the name -- they only provide a small fix. Chances are, that car will break outright before you can mend your credit enough to get a traditional loan.

Buying through a buy here pay here lot like AutoNow of Independence ensures that you will get a certified pre-owned vehicle that comes with a warranty. Any used car being sold with a warranty will save you money. It shows that the company selling the car takes pride in their vehicles, and it makes sure that if anything out of your control goes wrong, you won’t have to pay for it.

Make Sure to Ask Questions Throughout the Process

Not asking questions during any complicated process is a rookie car buying mistake. Even if you think you trust the person selling you your car, you should make sure to ask questions throughout the process. At the least, asking questions will help you when it comes time to pay for your next car. At best, it will prevent you from being overcharged on things during the car buying process.

Finding Somewhere to Rebuild Your Credit While Paying For a Car Is Key

Rebuilding credit is a tricky process. It requires you to pay off the debt you already have while also accruing more lines of credit. However, if you have poor credit, obtaining these lines of credit is extremely hard. It is possible to rebuild your credit while paying for your car, and one of the best ways to do that is with a buy here pay here car. When you’ve been denied loans in the past, buy here pay here cars will approve you for financing and will let you rebuild your credit while you pay for your vehicle. It’s a win-win situation -- you get the car you need while also improving your credit score.

A Buy Here Pay Here Car Dealership is a Great Option

Don’t settle for traditional loans and lines of credit when you have credit issues. These lending options often don’t pan out, which leaves potential borrowers feeling frustrated and inadequate about their situation. Financing a car through a buy here pay here car dealership is one of the best options for getting a vehicle that those with credit issues can take. They will spend less time filling out paperwork and getting approved, and will ultimately pave the way for better lending opportunities as they improve their credit score.

If you live near Independence, Missouri and need help financing a car, AutoNow of Independence should be your first choice. With a wide selection of quality pre-owned vehicles, a 24-month limited warranty on each car, and a high approval score on Google reviews, you can tell that we care about our cars and the customers we serve. Stop by our store today to find out more about what we can do to help you buy a car with less than perfect credit.  
 
 
Finding an Affordable Car with Buy Here Pay Here Financing  Jun 13th, 2019 

Finding an Affordable Car with Buy Here Pay Here Financing

Are you looking for an affordable car? You’re not alone. In 2015, nearly 33,000,000 used vehicles were sold in the United States, and the market for used cars just keeps growing as more and more young people and people with previous credit issues seek out pre-owned vehicles. In this race to buy a used car, many first time buyers are confused about the best way to buy one. Apps that support buying secondhand from a previous owner are at an all-time high, but how has that impacted the auto mechanic industry? Statistics showing a deep dive into the profits of the auto mechanic industry are few and far between, but stories about unreliable cars are not.

Stories about unreliable cars usually do not come from certified pre-owned dealerships, although these dealerships often bear the brunt of the criticism about used car sales. Buying a used car can seem like a risk because of the way that media portrays car salespeople. However, buying a used car from a buy here pay here lot can be beneficial to your credit as well as providing you with a great buy here pay here car. The key to finding an affordable vehicle with buy here pay here financing is to know how to look for the right one.

Don’t Buy Online or From a Previous Owner

Buying anything online, let alone a massive investment like a car is always a gamble. This is not to say that every person advertising their used car online is a swindler -- mainly, it is to say that most people selling their cars online cannot guarantee that the vehicle they are selling will make it a year without breaking down. When it comes to cars, affordability doesn’t stop at the base price. Buyers have to factor in how many times the car will go in for repairs, what types of basic maintenance it will need to run properly, and what the projected lifetime on that car is.

Buying from a certified used car dealership is a way to save money in the long run. Their expertise translates to the cars that they sell, and they will be able to guarantee that your investment won’t be in vain.

Look for Certified Pre-Owned Cars With a Warranty

But how do you find a certified pre-owned car? If you’re looking at dealerships, like AutoNow of Independence, Missouri, they’ll tell you. Used car dealerships who offer certified pre-owned vehicles take pride in their stock and will let you know that they’ve been inspected. While some certified used car dealerships stop at the inspection, letting the potential buyer know about everything that is wrong with the car, the most reliable buy here pay here dealerships will fix the issues before they put them up for sale.

This is where a warranty comes in. It’s normal for new cars to have a warranty, but did you know that many buy here pay here cars come with some form of limited warranty? This type of warranty is critical for potential car buyers to notice. It shows them that the dealership is confident in the reliability of this car, which means that you won’t have to deal with significant repairs due to the integrity of the vehicle itself. Significant repairs are guaranteed at some point in the life of a used car, but that doesn’t mean they have to come in the first two years of owning a used car. Put faith in the cars that say they are worth their salt with a warranty.

Look For a Buy Here Pay Here Car

Especially for those with a varied credit history, seeking out a buy here pay here car is one of the most affordable ways to find a vehicle that works for you. Regardless of your credit history, buy here pay here car financing will allow you to work around your base monthly income and financial obligations to find a car that meets your needs. The chances that you’ll get the exact make, model, year, and color car that you’ve always wanted are slim. However, you’ll be able to take pride in a vehicle that works and usually find one you like with a buy here pay here car.

Buy here pay here financing is simple. First, you fill out an online application or apply in store. The buy here pay here place will make sure that you meet all their qualifications, then they will approve you. Once you are approved, you’ll be able to shop for cars within the lending limit you were provided. This process is unique to buy here pay here cars, and the goal for this process is to avoid overspending on a vehicle.

Don’t Be Afraid to Shop Around

Don’t buy the first car that you see on a lot. You’ll want to, especially if you’ve given the third degree to all other car purchasing options. But if you work with a buy here pay here car salesperson, chances are they will lead you in the direction to cars that work for your lifestyle. Additionally, if you don’t see something on a car lot that you like by default, don’t be afraid to shop around. You’ll want to buy something that works for your budget and circumstances, but you don’t have to settle for a car you don’t like.

Keep an Open Mind

Finally, acknowledge that finding an affordable car with buy here pay here financing will be different from finding an affordable new car or even finding a car for sale by a previous owner. There is a separate process for each of these car buying situations, and it is vital to keep an open mind to get the best for your money and time.

AutoNow of Independence, Missouri, is committed to finding you an affordable car with buy here pay here financing. We provide financing options to all our customers, regardless of their credit history, and we get to know everyone who comes into our locations so that we can help them get the best possible car for them. If you require a car and want to get started, apply online for financing. Upon approval, we’ll walk you through our inventory and get you everything you need to get back on the road in style and with a little extra money in your pocket.

 
 
 
Top 5 Reasons to Buy from a Buy Here Pay Here Car Dealership  Jun 13th, 2019 

Top 5 Reasons to Buy from a Buy Here Pay Here Car Dealership

Myths are part of human nature, and they didn’t stop when technology began to dominate our lives. Perhaps the most persistent myth in American culture is the myth of the dirty car salesman-- a man so focused on selling his inventory that he’s able to charm all types of customers into buying cars, even if those cars have one foot in the grave. This myth has survived through decades of car sales in the United States, but there is little evidence to suggest that the sneaky car salesperson is anything more than just a tall tale meant to scare children into their adulthood.

The real story is that there are ups and downs to every car buying method, and that should not discourage those who need help with purchasing a vehicle from getting the car they need from a buy here pay here car dealership.

Are you stuck in a car buying loop? One where you apply for credit from a typical credit agency and find yourself being denied over and over again? Or, perhaps you’re one of those people who just can’t trust themselves to buy used from a previous owner because of your lack of car knowledge? Whatever your situation, a buy here pay here dealership like AutoNow in Belton, Missouri, is here to help you with your car buying process. Here are the top five reasons you should consider buying your next car from a buy here pay here car dealership like AutoNow of Belton.

Check Out Our Top 5 Reasons For Buy Here Pau Here

Anyone Can Buy From a Buy Here Pay Here Car Dealership

Those with past credit issues often find themselves stuck between a rock and a hard place when it comes to purchasing a car. New car dealerships are incredibly selective in who they lend to, which often means that potential customers are denied the opportunity to buy a new vehicle through their financing options. Likewise, banks and credit agencies also base most of their decisions on credit scores. Therefore, if you have less than perfect credit, the chances that you will be able to get a loan without a steep interest rate are slim to none.

Buy here pay here car dealerships offer financing options for anyone. Do you have a lower credit score that has been preventing you from getting the car you need? Not to worry. Buy here pay here car dealerships will work with your monthly financial needs to lend you a rate that works for you. But you don’t just have to have poor credit to buy from a buy here pay here car dealership. Anyone can apply for financing through one of these dealerships, and everyone is approved as long as you make a certain amount of money each month.

The Application Process is Easy

Unlike applying for a traditional loan, you don’t have to deal with wait periods. Apply for buy here pay here car financing from the comfort of your own home. Once you are approved, which usually does not take more than a few minutes, you’ll be guided through a listing of cars that meet your lending limit. You can choose from those cars and stop by the dealership to fill out the rest of the paperwork. With traditional lending options, you often wait weeks before you hear back from your bank regarding your loan.

Don’t settle for weeks of waiting. Get the car you need today from your local buy here pay here dealership in Belton, Missouri.

You Don’t Have to Worry About Your Car Breaking Down the Moment You Leave the Lot

Although this is not a worry with new cars, there is always the fear associated with buying used that you will no sooner put the money in the hands of the person selling you the car than it will break down, leaving you with less money and a more significant problem to deal with. This situation is part of the used car salesman myth, but it shouldn’t dissuade potential buyers from looking into purchasing a car through a buy here pay here dealership.

Why? Most buy here pay here dealerships are certified pre-owned. To have that designation, there are certain things that a used car dealership must do, including disclosing everything that is wrong with a car to potential customers. The difference between a certified pre-owned dealership and a great certified pre-owned car dealership is that the great dealership will take care of these issues before selling it and will offer a warranty. These are all things that AutoNow of Belton provides its customers. We take pride in our inventory, and we make sure that you get only the best each time you buy a used car.

Improve Your Credit With Consistent Payments

A good buy here pay here car lot will do more than just give you a new car. Buy here pay here sales are significant financial investments, and essentially are lines of credit. Each on-time payment is reported to credit agencies, which means that paying off your balance over time helps your credit. While you might not need another car loan in the future, improving your credit score can help you get a loan for a house or another big, non-car related purchase.

 

Get a Greater Selection of Quality Pre-Owned Vehicles

Finally, buying a used car can also be a hassle because there is an overwhelming number of postings on second hand sites that are of terrible, unreliable vehicles that no one really wants to drive. At buy here pay here car dealerships, you don’t have to sift through all the terrible cars to find an affordable and quality vehicle. Our wide selection of quality cars makes the process easy, and working with one of our knowledgeable sales agents saves you precious time.

Get your next car from a buy here pay here dealership and find out how much time and money you can save. If you live in the Belton, Missouri, area and require a car, stop by our location on East North Avenue. We’ll walk you through application and approval and will make sure that you drive away with the best transportation for your situation.

 
 
 
Should You Buy a Car from a Dealership or Private Seller?  Jun 13th, 2019 

Should You Buy a Car from a Dealership or Private Seller?

Although over 30 million Americans bought a used car last year, the science behind the purchase of a used car has always been contentious. Many people swear by used car dealerships, but many also opt for the private seller when looking for a vehicle that is new to them. The reasons for choosing each situation vary. From credit history to thoughts about big businesses, the best way to know whether you should buy a car from a dealership or a private seller is to examine the benefits of each.

Buying a car is a personal act. It’s layered, and can only be attempted with a deep dive into your own life. That being said, consider the advantages of both used car purchase options before settling on a purchase path for your next used car.

The Advantages of Buying From a Private Seller

  • Usually, private sellers are the first or second people to own the car you are looking into. Mileage can sometimes tell you this, but not always. When you can purchase a vehicle with as few previous owners as possible, you can usually avoid running into any significant repairs right off the bat.
  • If you go to the wrong car dealership, you can often run into salespeople who are just looking to make a sale and can pressure you into buying a car you might not want. While this is certainly not the case for the salespeople at AutoNow of Belton, it can be hard to run deal with pressure like that from a bad car salesperson. Usually, private sellers will not pressure people into buying a car. They don’t have a quota to meet, so they’ll wait for the right buyer.
  • You are often able to haggle a lower price from a private seller, for one reason or another. More often than not, they are just trying to take the car off of their hands. However, sometimes, this can indicate that the vehicle you are buying might not be worth your investment.
  • Private salespeople often take outstanding notes on the maintenance of their cars. While this information is usually available from buy here pay here dealerships, you can spot an excellent private seller from someone who is willing to show you their maintenance log. This indicates that they know their car well and want to make sure that the next owner of the vehicle does, too.

The Advantages of Buying From a Dealership

  • Extended car warranties are available at dealerships. Most reputable dealerships will make sure that their cars are free from any glaring mechanical issues before they put them up for sale. However, there is no guarantee that the vehicle you purchase will not break down in six months -- that is unless you have an extended warranty. While most buy here pay here dealerships want to build trust with their customers and therefore put a lot of work into the cars that they offer, the dealerships that offer extended warranties are often the ones that have the best selection of vehicles for the value.
  • There are more cars to choose from at a dealership. Sure, you can get on any private seller website and get bombarded with hundreds of web pages of used cars, but this can get overwhelming, especially when the majority of those cars are destined to break down soon after purchase. A buy here pay here car dealership has a wide variety of used vehicles that are all in working order, making the choice that much easier for a potential buyer.
  • You can finance a car through a dealership. With a private seller, you either have to have the full amount saved up, or you have to seek alternative funding through a bank or other credit option. This is never the best option for those with credit issues. Anyone who needs help financing a car should consider getting a vehicle through a buy here pay here car dealership. They will help you get the funding you need.
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  • If the dealership has a shop, you can sometimes get discounted rates for service if you bring the car back. For used vehicles, which have a higher chance of breaking down than a new car, this is an advantageous perk.

When Should I Buy From a Dealership Over a Private Seller?

Ultimately, the decision to buy from a dealership over a private seller will be up to your preference. In most instances, people seek out buy here pay here dealerships and other used car sales options because they will usually offer in-house financing. It is tough for people to save up the full amount of a car, but it can also be hard to get a loan for a car if you have past credit issues. If you are someone who has credit issues but also needs a car, a dealership would be your best option unless you have the full amount for a vehicle saved up.

Otherwise, a dealership is always the path of least resistance. Because they must meet federal standards, you are less likely to get a car that breaks down on you within your first year of owning that car. You’ll be able to pick out of a selection of greater quality vehicles. Finally, you won’t have to do weeks’ worth of research to find the car you need -- chances are, if you are shopping at a dealership, you’ll be able to find a vehicle that is right for you fairly quickly.

Still on the fence about whether to buy a car from a private seller or a dealership? Let AutoNow of Belton, Missouri, help convince you to buy from us. We offer a wide range of used cars from all years, makes, and models. Additionally, we stand behind every vehicle on our lot and offer 24-month limited warranty on them. Our cars are our livelihood, and we know that a great vehicle can make a difference in your livelihood. Don’t take a chance on getting a lemon through a private seller. Stop by our location on East North Avenue in Belton to find a used car fit for your needs.

 
 
 
The 5 Advantages of In-House Car Financing">The 5 Advantages of In-House Car Financing  Jun 13th, 2019 

The 5 Advantages of In-House Car Financing

Buying a car can be a hassle - we all understand that. You have to make sure you have the money for a down payment, you have to go through the process of applying for a loan, and eventually, you spend years paying off that loan with no guarantee your car will stick around to see the end of that investment. It’s enough to make you want to swear off car financing completely.

But car financing doesn’t have to be an utterly thankless situation. In-house financing at buy here pay here lots like Auto Now have advantages regardless of your credit history or financial situation. Here are the top five benefits of in-house car financing.

Take A Look At The Top 5 Advantages

It’s a One-Stop Shop

Buying a car from a dealership or a third party requires a formidable amount of pre-planning. First, you must do your car shopping. This is arguably the most exciting part of the car buying process, but the excitement often ends there. Unless you have the full amount for the car saved up, you will likely need to take out a loan from your bank. To get approved, you must first visit your bank, bring in all your income information, and then the bank will run a credit approval. For those with previous credit issues, this part can be devastating - often leading to the hope of a new car without fruition. Even the slightest credit issues can cause denials, which leads to more financial searching and planning. The process can take days at best, weeks at worst. No one has time for that.

In-house car financing allows you to search for, purchase, finance, and drive away with a car in one streamlined process. It is a one-stop shop for all people, regardless of credit history and with a very minimal base income.

You Can Finance a Car Regardless of Your Credit

For those with previous credit issues, it can be a nightmare to finance from a bank. Almost half of Americans have some sort of credit issue, so it is practically unbelievable that banks would pass up the opportunity to help a majority of the population. If you have credit issues, working with a buy here pay here car dealership can be to your advantage. However, it doesn’t mean that the only people who can shop at one of these establishments are people with a previous credit history. Anyone can finance a car, regardless of history, and it takes less time to pay these off.

You Can Rebuild Your Credit

Additionally, anyone with credit issues knows how hard it can be to rebuild credit. It requires time, access to other credit accounts, and a diligent payment schedule. This can be excruciating and unachievable without the right help. After all, you have to be approved to take out a new line of credit, and it is hard to get that approval without a stellar credit record. And even if you do manage to get credit approval to improve your credit score, it likely will come with a hefty interest rate. In-house financing is based off income rather than credit score, and on-time payments over a short period are a great way to both assure approval of a credit account as well as rebuild your credit quickly.

You Have a Greater Selection of Used Cars to Use With Your Loan

Even if you have access to a bank loan, the number of reliable used cars available can be very slim. You almost certainly won’t find exactly what you are looking for, and even if you do, the chances that the attributes you are looking for in a car will also come from a well-functioning vehicle or one that provides the type of transportation you need are relatively small.

Used car lots are great for this, but many require you to have outside financing or the total cost of the car up front. If you are looking at a used car lot for a reliable car that has something you want and need, why not also go to a car lot that offers in-house financing? Places like Auto Now have a greater selection of quality used cars at a price you can afford and with financing options that work for you.

Your Money is Spent on Cars that are Actually Valuable and Reliable

Although tools like Carvana, Craigslist, and the many third-party seller apps available today can be fantastic for purchasing second-hand items at a great rate, there is always a gamble. Loan organizations, like banks, understand this and often have a cap on how much they are willing to lend to you so that you don’t overspend on anything. Additionally, even if you do get the loan for the amount you want, there is no guarantee that the car you’ve been eyeing from a third party site is worth its salt. Most people are not trained mechanics, and taking a car you might potentially buy to the mechanics is an added hassle on top of the many other steps car buyers must make in the process.

When you take advantage of in-house financing, most buy here pay here car dealerships will have offers on cars that are just as good as the offers you can find online and in apps. Additionally, the finance offers you get from buy here pay here establishments will be used well on a car you know you can trust. At Auto Now, we stand by our vehicles and offer all our customers a 24-month warranty on the cars they buy from us. We stand by the idea that our trustworthiness is key to the way we do business, and we take pride in the financing offers we make and the cars we offer.

Still on the fence about getting a car from somewhere with in-house financing? Let Auto Now convince you to make an excellent financial decision. Fill out one of our online applications and come into our store on 79th and Wornall in Kansas City, Missouri. We’ll walk you through all the advantages there are to in-house car financing and get you started on adding a quality new-to-you car to your life.

 
 
 
The Benefits of Buying from a Buy Here Pay Here Dealership  Jun 13th, 2019 

The Benefits of Buying from a Buy Here Pay Here Dealership

Buy here pay here car dealerships are too often misrepresented by popular media. Written off as high-interest, low-reward investments, the average person would be shocked to know that there are many benefits to purchasing a car from one of these establishments. With in-house car financing and a large selection of used vehicles, buy here pay here dealerships are helping more people get the car they need regardless of their credit history. If you’re on the fence about buying a used car from a lot like Auto Now, continue reading to learn more about the benefits.

Check Out The Benefits of But Here Pay Here

In-House Financing – Simple and Beneficial

If you’ve been through the car buying process before, you understand how frustrating applying for financing can be. It is hard for both those with good credit and those with complicated credit alike. Obtaining one from a bank or a credit union is a few-day process that involves invasive credit procedures and wait periods. For those with credit issues, there is no guarantee that this effort will even result in a loan. But even for those with outstanding credit, certain reported items on a credit check can result in high-interest rates and a slower disbursement time for their loans.

In-house financing, offered at buy here pay here establishments, has multiple benefits over traditional lending options. Speed is one of the most significant benefits, impacting all the people who apply for financing. Because it can take as many as three weeks for traditional loans to disburse fully, there is no guarantee that you will get the money you need in a timely fashion. This becomes an issue when your livelihood depends upon public transportation, when you have a family that relies on a car for its needs, or even when you are on a time limit for the purchase of a vehicle. With buy here pay here establishments, you are generally able to get the money and the car that you need in a timely fashion - often even on the same day you show up to the dealership.

Additionally, if you have previous credit issues, you will have no problem getting a loan. Buy here pay here dealerships offer to finance to anyone, including those who might have a lower credit score. At the same time, paying off a loan from a buy here pay here dealership also helps rebuild credit, so it is an excellent option for those that might have credit issues and want to rebuild their credit.

Cars are Easier to Trust

Buying a used car always seems like a gamble, especially if it is from a third party or an independent seller you don’t know. To be a certified used car dealership, you must meet specific federal standards - these include, at a bare minimum, exposing everything that is wrong with the car before offering it up for sale. Auto Now offers a variety of used cars, and while we do offer a vehicle history with each vehicle that we sell, we also offer a 24-month warranty on our cars. Our reputation depends upon being clear about the cars we sell, and therefore we know how important it is for our buyers to get the best the first time around.

Anyone Can Buy from a Buy Here Pay Here Lot

Buy here pay here can be misrepresented as an option only for those with poor credit. This is because these types of car lots will offer to finance anyone, regardless of credit history. However, the beauty of a buy here pay here car lot is that they are for anyone.

Had issues getting a loan due to time, credit history, or other reasons? All you need is a base income to get a loan at Auto Now. We help you find a payment schedule that works with your financial needs.

Need a car based around a specific time constraint? Auto Now has you covered and can get you the vehicle you need quickly.

Buy here pay here lots are affordable, reliable, and convenient options for those wishing to buy a quality used car. There are no limits on your credit history, and there’s a wide selection to choose from.

Spend Less Time Paying Off Your Car

Anyone who has taken a loan out for school or another reason understands that it can take years to pay off a loan with a high balance. Traditional loans are designed to be paid off over many years. Their minimum payments are advertised as “comfortable” and dependent upon your income, but most are set up to get the maximum amount of money from the borrower over time. Spending less time paying off a loan is obviously the best answer to spending the least on a loan, but the way the traditional loan payment is set up allows people to forget to pay extra on their monthly payments, pay the minimum amount due, and ultimately extend the period of time they spend paying back their loan.

Loan options from buy here pay here car lots are set up to be repaid in the quickest possible time. This not only allows you to repair your credit quickly, but it also allows you to spend less over time. The trick is understanding that you will pay larger monthly payments than with a traditional loan. Because the fees are based on your income, however, the monthly payment amounts will not be more than you can pay. Buy here pay here car dealers, like Auto Now, are committed to providing the best deals to their customers.

 

If you got to this page by typing “buy here pay here car near me,” look no further. Auto Now has been a Kansas City staple, helping all Kansas City residents get the cars they need regardless of their credit history. If you live near 79th and Wornall in Kansas City, stop by to get started on getting the new-to-you car you deserve. Even save some time by applying online or browsing our selection of vehicles before you come in. Don’t give up on your search for a quality used car - visit Auto Now and see how you can benefit from a buy here pay here dealership.

 
 
 
How Do Buy Here Pay Here Car Lots Work?  May 3rd, 2019 

How Do Buy Here Pay Here Car Lots Work?

Chances are you’ve passed by an auto lot that says “buy here, pay here.” Most people don’t give this phrase a second thought, because the most widely discussed car purchase choices are cars purchased from a dealership and cars purchased used from the owner. Used car dealerships get a bad rap, which is why so many flock to dealerships or commence with their own used car research. There is a problem with being limited to only these two options. Dealership pricing is dependent upon credit history, and many in search of a new car have past credit issues. This makes finding an independent loan for a down payment on a car from a dealership nearly impossible.

On the other hand, it is hard to ensure that buying a used car from an independent seller will be fruitful. Even if the seller is trustworthy, they often don’t know very much about the makeup of cars and therefore might sell you a car that is not in top shape. Most people who buy cars from a person on a site like Craigslist don’t have that car for a very long time, because most pre-owned cars on sites like that have been through a lot and even with the best attention have limited futures. Even for a second car or a car for a teenager, it is essential to have a vehicle that functions and will be reliable for a long time to get your money’s worth. If you’re a person with a credit history that might prevent them from taking out a loan, it might also mean that you settle for a junker car based on what you can afford from your savings.

Luckily, an option exists other than buying from a dealer or buying from a third party. Buy here pay here car lots offer competitive financing for potential car buyers regardless of credit history and their cars must follow state and local regulations to be sold. Curious about what a buy here pay car lot works? Read on.

Discussing Your Options With a Dealer

So, you’ve decided you need a new car and have shown up at a buy here pay here lot to get this car. The first step to buying a car at a buy here pay here dealership usually involves discussing your purchase options with the dealer. Buy here pay here lots have a variety of options, but the chances that they will have the exact car that you are looking for are relatively slim. Therefore, speaking with a dealer can help you understand not only what their selection looks like on the lot, but what is in your price and preference range.

Applying for Financing at a Lot

Once you discuss your options with the dealer at your local buy here pay here car lot, you’ll be able to look at your selections. Be sure to ask questions about the cars you are shown and the cars that catch your eye. Each vehicle will have a buyer’s slip on it - something that cars must legally have if they are certified resellers like buy here pay here auto lots. Once you pick your car, you will start the financing process.

The financing process for a certified pre-owned car from a car lot is reasonably straightforward. Most buy here pay here lots, including Auto Now, will not determine your ability to afford car payments based on your credit. Instead, they will work with you to estimate how much you can provide on monthly payments. It’s recommended that you work with the dealership to find a payment that you can comfortably put money toward while also spending the least amount of time paying off the loan. Doing this will ultimately help you pay less over time and will let you own your car sooner. However, if more substantial payments over a shorter period of time aren’t something that you can swing, the car dealership will work with you on a different plan, as well.

Paying Toward Ownership

One of the best parts of buy here pay here dealerships is that they allow you to browse, finance, and leave with a car usually on the same day. When you go, be sure to bring copies of your latest pay stubs or invoices, as well as reference information should it be asked for. Having this information will speed up the application for financing and will allow you to get the best deal for you, personally.

Paying toward ownership on a car that is purchased from a buy here pay here lot is as simple as paying toward a loan acquired from the bank or from a car being financed from the dealership. You will make monthly or bi-monthly payments based on the terms set during the time of your visit. Often, payment terms are for a much shorter length of time than at traditional dealerships, which not only means that you pay less in interest over time, but it also means that you ultimately retain ownership of your car sooner.

Why Work With a Buy Here Pay Here Dealership?

Ultimately, the choice is yours when it comes to determining where you want to buy for your next car. However, buy here pay here dealerships are optimal for those who:

  • Need a vehicle quickly and might not have the resources to wait on a traditional loan or work with dealership financing
  • Might have children and are looking for quality, affordable cars for them to drive and take care of
  • Might be looking for alternate ways to build up their credit through on-time, monthly payments that they can afford
  • Might need an affordable backup vehicle who don’t want to pay dealership prices
  • Are looking to spend less over a shorter period of time

Auto Now is one of the leading buy here pay here car lots in Kansas and Missouri. With sites all over both states, Auto Now is committed to providing the best options for used cars at prices that everyone can afford. Auto Now Wichita is located on 1660 South Seneca Street in Wichita. Browse our available vehicles and sign up for a test drive today. We look forward to helping you find your next car.

 
 
 
What is a Buy Here Pay Here Car Dealership?  May 3rd, 2019 

What is a Buy Here Pay Here Car Dealership?

If you feel like there are more car dealerships than there are people to buy those cars, you might be onto something. Used car dealerships pop up every day, offering low prices on vehicles in a variety of conditions. There are a lot of used cars in the United States - over two hundred and fifty million, to be exact. So it would make sense that used car dealerships would thrive off this industry. That being said, used car dealerships don’t always have the best reputation. A recent US News article pointed out some of the reasons why used car dealerships shoulder poor reputations, and many of them have to do with the quality of the inventory, the openness of the dealership, and the relationship that the dealership has with its customers.

Among the most maligned are buy here pay here dealerships. At Auto Now, we believe the reason that buy here pay here dealerships get such a bad rap is because people don’t understand how the process works. While different than a traditional dealership or a third-party seller, there are serious advantages to working with these types of dealerships for a large portion of the population. Here’s how picking and financing a car through these types of dealerships work and a little more about why it should be considered a viable option for those looking for a good deal on a used car.

Buy Here Pay Here Lots Are Required to be Reputable Used Car Dealers

“Lemons” is a popular phrase used to describe a car that was sold but has little use and might not work well. When it comes to describing the inventory of used car dealerships, the word “lemon” is thrown around quite a bit. However, there are federal restrictions that require used car dealerships to make all the problems with a car known to the potential customer, which means that the savvy customer will never purchase a lemon. But used car dealerships that sell lemons, even with full disclosure, are abundant. The first thing to look for in a reputable buy here pay here lot is that there are very few cars with overt issues and that the lot is willing to put their money where their mouth is when it comes to selling a great used car.

Buy here pay here lots like Auto Now of Wichita buy used cars from people and fix them to resell to their customers. Generally, reputable dealers look for vehicles with relatively few problems beforehand to resell. After they purchase the car and fix any glaring mechanical issues, they will show the car to customers. These used cars will typically be a little more expensive than the ones you might find on a second-hand sale site like Craigslist, but this is because the dealership has often taken the time to fix obvious mechanical and cosmetic issues. Additionally, Auto Now of Wichita and many other buy here pay here car dealerships offer warranties on their cars that assure the buyer that their cars are in the best working order they can be before the time of sale.

How Financing Works

With dealerships and a variety of other used car lots, the organization will require you to make a down payment at the least and sometimes all of the payment up front at the most. For authorized factory dealerships, this means applying for a loan from the bank or another financial institution. The process for loan applications at a traditional financial institution is usually a window of weeks, which sometimes car buyers do not have the option for. Additionally, this application process requires a specific type of credit history. There is no typical American credit score, and credit history is not a perfect insight into the personal struggles and financial capabilities of a person. Yet, bank loan applications require a specific score to lend financial assistance.

At buy here pay here dealerships, financing is done in-house and is based on many different factors. Allowing financing to be done in house allows the process to take less time and also ensures that help purchasing a car can be obtained regardless of past credit. Dealers work with potential customers to secure information about how much they can afford for monthly payments, and about how long they want monthly payments to be. Then, buy here pay here dealerships help their potential customers find a car that works within their budget.

What About High Interest Rate Rumors?

One of the reasons that buy here pay here lots are so maligned is because they are rumored to have some of the highest interest rates in the auto selling industry. For most, this is not true. Interest rates are based on several factors, all of which the authorizing lender will go over with you before sale. High interest rates are not guaranteed with each transaction, and if you have interest rate questions, they are worth bringing up at a meeting with your local buy here pay here dealer.

Why Purchase Your Next Vehicle From a Buy Here Pay Here Lot?

Potential car buyers rule out buy here pay here lots for many reasons, most of them unfounded. But there are many great reasons why you should consider a buy here pay here lot for your next vehicle purchase. First of all, it is possible to go to a buy here pay here car dealership and walk away with a car in the same meeting. With factory dealerships and other sales options, potential buyers usually must go through multiple sessions before they can purchase a car. These meetings include picking the vehicle, obtaining it, and going through the paperwork. Buy here pay here lots are one-stop-shops, which is very convenient if you have a tight schedule that requires your full attention.

Additionally, it is possible to rebuild your credit by making payments on a car purchased at a buy here pay here lot. So as well as buying a quality vehicle, it is possible to enhance your credit score and heighten your potential for future large purchases.

If you are interested in learning more about what makes Auto Now of Wichita so great, stop by our store or contact us for more information.

 
 
 
Rebuilding Your Credit With a Buy Here Pay Here Car  May 3rd, 2019 

Rebuilding Your Credit With a Buy Here Pay Here Car

The road to a rebuilt credit for millions of Americans is a long and painstaking one. For a system that was designed to make transactions more manageable, it overall has only benefited those with high credit scores and the banks and financial institutions that serve them. For anyone without a high credit score, obtaining a loan, credit card, or another financial line of funding through the use of the credit system is arduous. It often comes with high interest rates on lines of credit, constant refusals on applications that take a long time to fill out, tears over rejections, and frustration. Luckily, there are ways to finance big purchases like cars without going through the traditional credit system. But that’s not where there benefits stop. Working through an alternate line of finance, such as getting a buy here pay here car from a dealership, can not only provide you with an affordable option for a big purchase but can also build up your credit as you go along.

Although credit history is not an issue when it comes to applying for a buy here pay here vehicle, it can still make a difference on the health of your credit score. Most buy here pay here establishments, like Auto Now in Wichita, report to credit agencies on the payments you are making toward your car. Over time, this increases your credit score while also providing you with the vehicle you need. Here is how you can rebuild your credit with the help of a buy here pay here car.

Making On-time Payments

An essential step in rebuilding credit is making on-time payments consistently. Despite what credit agencies would have you think, making on-time payments often is not an issue for those with bad credit. A myriad of different things go into calculating a credit score - from how high your credit card and loan balances are to how many accounts you have open - and sometimes all you need to take the first steps in remedying your credit history is by making new, consistent on-time payments.

Working with a dealership that understands your needs is important in these instances. Auto Now helps potential buyers structure their payments in a way that works for them. Finding a comfortable payment schedule is as important as having flexibility when it comes to making those payments. Plan to purchase a car that is a little below your top budget. That way you can still afford a new car while always assuring yourself that you can make those monthly payments. Your used car dealership will ask you questions about your income and other responsibilities to help you best determine your flexible budget.

Paying More Than is Due

Another perk of buying slightly below your maximum budget is that it leaves you with a little extra spending money at the end of the day. With this extra money, it is possible to make payments that are occasionally larger than usual. You might even feel less stressed. 78% of people working at even the $50,000-$90,000 salary line report living paycheck to paycheck and the stress of not having extra money at the end of the month adds up. Larger-than-normal payments on open credit accounts go into reports to credit companies. When credit companies see that you can make larger than normal payments, you’ll often notice that your credit score will raise. With continued consistency and continued payments that are larger than average, it is possible to rebuild your credit score while still making regular, on-time payments.

Continuing the Cycle

Once you get started rebuilding your credit with the help of a buy here pay here car establishment, you’ll realize that rebuilding your credit is a lot easier than credit agencies make it seem. You’ll probably notice a confidence boost, and you’ll feel like you can do anything when it comes to rebuilding credit. Above all else, having the confidence and wherewithal to see that credit is something you can correct is important to restoring that credit. If you approach your credit history with a sense of dread and despair, it will seem like you are going nowhere. But understanding that the process takes time and is something within your reach is important to correcting your credit before it slips again.

A buy here pay here car is also a vehicle (pun intended) to new monetary opportunities. Use your new vehicle to make a little extra money to pay off other credit-dependent accounts. A ridesharing or transportation app that allows you to make money by providing cheap transport will allow you to bolster your monthly income, which in turn will enable you to pay off student loans, mortgages, and credit cards that much more quickly.

How to Get Started on Applying for a Buy Here Pay Here Car

Most buy here pay here dealerships have online applications that you can access to get started on your application for a car and financing through their establishment. To get started with the Auto Now Wichita application process, click here. The form will ask a few clarifying questions, such as how much money you make each month, how old you are, and whether or not you are a license holder. These questions are to be sure that you fit the requirements for purchasing a car through the establishment. Based on your income, the salesperson that you work with will help you find a vehicle that meets your financial needs as well as your personal needs and will get you set up with payments.

Purchasing a buy here pay here car is a simple process, and for people with credit issues and those who also need a new car, this is one of the most straightforward steps you can take toward rebuilding your credit. If you live in the Wichita greater metro area, give Auto Now a call at (316) 262-3000. We are open Monday through Saturday and open as early as 9 am. In addition to working with a knowledgeable car sales agent, you can also test drive any car on our lot.

Have fun rebuilding your credit while driving a great vehicle from Auto Now in Wichita.

 
 
 
Getting a Car Loan if You Have Credit Problems  May 3rd, 2019 

Getting a Car Loan if You Have Credit Problems

In the United States economic structure, having a questionable credit history can severely impact your ability to do day to day activities. This ranges from everything from being able to obtain educational loans without a cosigner to being unable to purchase a house - regardless of how much money you make and how reliable your past payments to other financial obligations have been. People with credit problems usually suffer from a sense of guilt, blame, and a feeling that they are alone in your credit problems. The truth is, if you’re experiencing credit issues then you are among one in millions of people who have experienced these problems. One in eleven credit card holders feels as though they will always have credit card debt, no matter how hard they try to pay it off. And these high balances are part of the reason why credit scores can inch lower even if you’ve done your best to make payments on time.

Among the problems that people with credit issues experience is the ability to obtain a loan to repair or replace an old car. People with cars are usually dependent on these vehicles as a form of transportation to and from their work. Without that access to work, they are unable to make the money they need to make repairs on their car. When you don’t have the money saved up and are not able to access traditional loan options, there are options.

Visit a Buy Here Pay Here Lot for Loan Options

Purchasing a vehicle from a buy here pay here auto sales establishment is easy and convenient, as well as being a viable option for those with past credit problems. The first stop for people thinking about purchasing a car from a buy here pay here establishment is to view the dealership’s inventory to see what they have. While most reputable dealerships will have a big selection of cars you can choose from, buy here pay here lots also take in used vehicles only. Therefore, they will have a massive range including many different makes and models, but might not have your dream car. However, the chance that they have a car that fits your needs is high.

Additionally, if you have an old car you’d like to get rid of, you might be able to trade it in to a buy here pay here dealership for credit toward a new car. This is one of the many ways that buy here pay here dealerships keep their inventory diverse - by buying cars from potential customers. Most dealerships have guidelines and rules centered around the types of cars they will buy, so before making any big financial decisions based on the Kelly Blue Book value of your current vehicle be sure to talk to the dealership to find out if they can take it and how much they will take it for.

What the Loan Application Process Is Like

Applying for financing through a buy here pay here dealership looks a lot like this. You’ll visit the dealership and browse their selection of vehicles. At some point, a salesperson will most likely ask you about your budget and will show you cars based around your budget. This is not to dissuade the buyer from purchasing that hot new sports car - instead, it is to guide them into making smart and financially-savvy choices that will give them reliable transportation as well. Once you have an idea what car you’d like to purchase, a salesperson will work with you on filling out an application for an in-house loan.

Loans through buy here pay here establishments are not based on credit alone, though the application will likely ask for your social security number. Not everyone who goes to a buy here pay here establishment has credit problems, so a credit inquiry can help potential customers with good credit get a rate and payment plan that better works for their income and needs. But credit history should not be a worry for potential customers, as several different decisions go into the calculation of an in-house car loan. Most importantly, a loan from places like Auto Now Wichita often requires a net take-home each month and might need references upon request. To save time, many buy here pay here dealerships have put the application online for potential clients to fill out - that way if the dealership has any questions about the form, they can call the potential customer before they come in for an appointment.

Are There Any Loan Limitations?

While the loan application process is usually easy regardless of credit, there are still specific requirements that must be met for potential customers to receive loans. At Auto Now Wichita, the conditions are as follows:

    Applicants must have a monthly income of $1200 or more after taxes. This ensures that you can make dedicated monthly payments regardless of your credit history.
  • Applicants must have a valid driver’s license. Because the loan will be for a specific car, which will be licensed under your name, it is essential that you have a license. This shows us that you are most likely buying the car for yourself and, more importantly, that you can drive the car that you are purchasing.
  • Applicants must be at least 18 years of age. While we recognize that minors can hold a driver’s license and bring in a significant income each month, we cannot hold them legally accountable for a car should they fail to make monthly payments.
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Regardless of your credit history, getting a car at a buy here pay here auto dealership is one of the quickest and most hassle-free ways that you can obtain a car loan and get yourself back on the road in a new vehicle. Auto Now is one of Kansas and Missouri’s most reliable used car dealerships. Our wide selection of used cars provides the comfort and flexibility you need at prices that work for everyone. To get started with a loan application, visit our application page today or visit us at our Wichita location.

 
 
 
Is It Hard to Get an Auto Loan at Auto Now?  May 3rd, 2019 

Is It Hard to Get an Auto Loan at Auto Now?

If you have credit issues, you know how hard it can be to access a loan from a bank or a credit union. While it is true that different lenders will evaluate your final credit score differently, there is no denying that if your credit score is less than perfect, you will most likely have to work toward rebuilding your credit before you can gain access to better lending opportunities. On top of this, having to seek help from multiple lending sources is tiresome. It asks that you spend an extensive amount of time researching different lenders to see what they require from you to lend for you. Additionally, each time a lender performs a credit inquiry on your background, your score can drop by up to five points. If you already have bad credit, each credit inquiry can make your credit worse, and without a new credit account, there’s no chance to rebuild your credit quickly after these hits. The sad thing is, even if you think you meet the minimum lending requirements for a bank or a credit union, there still might be a chance that you turn them away.

It’s easy to see why people who have had to deal with the credit industry have such little hope when it comes to making big purchases. One of the most persistent questions that we get at Auto Now in Topeka is about our application process - is it really so hard to get an auto loan through us? We always like to reassure our potential customers that not only is getting an auto loan through our establishment easy and streamlined, but it helps you rebuild your credit over time if you have credit issues. Here’s a little more about the process of getting a loan at Auto Now.

Applying For a Loan - What’s the Same and What is Different

No two lending opportunities are the same, even in loans provided by a bank or a credit union. As you go through the application process for on the lot financing, you’ll notice a lot of similarities between the application for a traditional loan and in the application for a loan through Auto Now. This should not worry you. We promise that as long as you meet basic income requirements, you will be able to get a car through our organization.

Similarities in applying for a loan through Auto Now:

  • Auto Now does check up on your income and verifies your age. For most traditional lending opportunities, you must be of the age of eighteen, and you must meet a specific income requirement to receive funding. This is the same for Auto Now of Topeka. We require that you make a minimum of $1200 per month after taxes, and we also require that you are eighteen.
  • You will have to fill out some paperwork before you are approved for a loan. This paperwork will merely determine that you meet the basic lending requirements and that your loan is catered to your personal financial situation.
  • The loan is only applicable to cars - you must use it on a vehicle for it to be valid. In the same way that you can only take out student loans to be applied toward educational purposes, you may only take out a loan through Auto Now to purchase one of the cars on our lot. You will not receive a check for the amount we lend you. Instead, the loan amount will be used to let you drive home in your new car.
  • You will make set payments on your loan. Just as all loans have payment terms, we will be sure to outline ours before you sign off on any commitment papers.

Differences in applying for a loan through Auto Now:

  • Auto Now will never turn you away for having credit issues. Unlike the unpleasant surprise that many potential borrowers encounter when they go into a bank or credit union to get a loan, you will never be turned away for having credit issues. As long as you meet the necessary requirements, which are related to income only, we will be able to help you get a car.
  • Paperwork can be done online before coming into a lot. The heft of your personal application can be done online, which saves you time when you get into the dealership. While some banks do offer online loan applications, they often don’t work and end up wasting more time for the customer than they aim to save.
  • Each loan is personalized and based on your financial needs. Many lenders work solely off your credit score and your last year’s tax refund to determine an amount to lend you. This can create an unclear picture of your financial situation, and can ultimately cause more harm than good. When your loan is personalized through Auto Now, it is created using the most recent income information that we have for you, allowing it to fit in perfectly with your needs.
  • You have the option to pay weekly or bi-weekly. Payment plans on traditional loans are usually always fixed and require monthly payments. In the long-run, this means that you pay more on your investment. It’s been shown that making weekly payments is more beneficial when it comes to paying off debts, so you have the option to make quicker and more efficient debt payments with Auto Now.

Skip the worry, the doubt, and the potential heartbreak of applying for a third-party loan to make a car purchase. If you work with Auto Now of Topeka, Kansas you’ll be able to get a new and reliable car with one quick and easy application. Simply fill out one of our online application forms, and we’ll reach out to you to discuss lending opportunities. Come in, browse our wide selection, and speak to one of our customer service representatives for more information about our lending process. We are located at 116 Southeast 29th Street and can be reached at (785) 266-6300 or online for more information.

 
 
 
What Are the Benefits of Using a Buy Here, Pay Here Dealership?  May 3rd, 2019 

What Are the Benefits of Using a Buy Here, Pay Here Dealership?

If you’ve heard of a buy here pay here dealership, chances are you’ve heard at least one bad thing about this type of dealership. This flack typically comes from people who have good credit and have never used a buy here pay here dealership, which means that they don’t often know what really goes on behind the scenes of a dealership that offers on the lot financing. Buy here pay here dealerships are designed to help everyone, regardless of credit, find a car when they need one. Whether you need a car quickly after your daily driver was totaled or you have been having problems obtaining a loan for a third party sale of a vehicle, there are many reasons why buying from a buy here, pay here lot can be beneficial.

Here are our top ten reasons why you should consider a buy here pay here lot, like Auto Now in Olathe, Kansas, for your next vehicle purchase.

Top 10 Reasons For Buy Here Pay Here

1.You Can Rebuild Your Credit Relatively Quickly

Most often, customers of buy here pay here establishments have had issues obtaining financing for a car from places like banks and credit unions. This is because their credit history is less than satisfactory. Car lots that offer on the lot financing understand that a credit score is not the most accurate depiction of a person’s financial capabilities. Therefore, when you apply for financing on a used car at a buy here pay here lot, the specialist you work with bases your payment and loan type on your financial capabilities and income. By making on-time payments, which Auto Now reports to the major credit bureaus, you can start rebuilding your credit without having to pay off large sums of open credit accounts to do so.

2. If You Need a Car Fast, You Can Get it Fast

Sometimes, you can’t wait the four weeks it takes to apply for a traditional loan, get approved, have the loans disbursed, and finally purchase the car. Your job depends on reliable transportation, and third-party dealers often won’t wait weeks to sell you a vehicle before they sell it to someone else. At buy here pay here lots, you can usually get approved for a loan, select a car, and drive away with it in one day.

3. Buy Here Pay Here Dealerships Are Usually Accredited By Outside Organizations

To deal with reputations that have been placed upon them, organizations exist that validate the worth of buy here pay here organizations. NIADA, for instance, is one such organization that was designed to show potential buy here pay here customers that they can put their trust in their business. NIADA certification, which all cars at Auto Now have, shows that cars have gone through rigorous inspection, have easy-to-obtain and read history reports, and the dealership itself is trustworthy.

4. Buy Here Pay Here Dealerships Offer Financing to Everyone

If you’ve had issues getting a car in the past, you’ll be able to get a vehicle at a buy here pay here lot. They merely require a base salary of $1200/month after taxes, for the buyer to be 18 years of age, and for the buyer to have a valid driver’s license.

5. Terms Are Often Much More Flexible Than Traditional Lending

Traditional lending terms are usually pretty flat. You can expect that you’ll be paying off your loan for about ten years, you’ll probably be spending quite a bit of interest, and you’ll likely end up paying much more on a loan than you initially signed up for. With on the lot financing, you work with an actual person on terms that are right for you. This means that if you want to make the lowest payments possible, that is fine. If you’d like to pay a little more so your payment term is less, that is also fine.

6. You Can Make Low Down Payments On Cars at Buy Here Pay Here Establishments

Most dealerships want you to make a 20% down payment on the overall worth of your car, which is something many car buyers don’t have. At buy here pay here lots, you can make as big or as little a down payment as you want and the salesperson helping you with your finance will adjust your payments accordingly.

7. You Have a Great Choice of Used Cars At Buy Here Pay Here Lots

Brand dealerships usually only sell new versions of their brand or have a limited lot of used cars that were traded in as a down payment on one of their vehicles. Additionally, many non-buy here pay here lots have a limited inventory based on what they can find and what customers offer them. Buy here pay here lots, however, have a wide selection of vehicles from all different brands, which gives them a competitive advantage over other car sales lots.

8. Reputable Buy Here Pay Here Lots Have Warranties On Their Cars

Brand dealerships often have warranties, as they should, since you pay much more for a new car at one of their dealerships. But many used car dealerships sell their vehicles as is. Reputable buy here pay here lots, like Auto Now of Olathe, offer their customers warranties as a way of showing their customers they trust the reliability of their inventory.

9. Interest Rates are Comfortable Compared to Other Lending Options

If you have credit issues and manage to get a loan from a bank or credit union, these loans often come with hefty interest rates. Interest rates at buy here pay here lots are competitive and designed with the customer’s financial situation in mind.

10. Each Loan is Personalized to the Customer

As sad as it might seem, banks and credit unions see a lot of loan customers and don’t always treat them as individual cases. The credit system is also not forgiving in this way, as someone with a perfect payment record can still have issues with their credit score if they have too many loans or credit lines open or those credit lines have high balances. The person selling you your car at a buy here pay here dealership understands that each person they sell to is unique, and they strive to understand their economic situation accordingly.

Let us convince you of the advantages of using a buy here pay here dealership. If you live in Olathe, Kansas or the surrounding area, we can help you get your next car. Visit us at 1404 East Santa Fe Street or give us a call at (913) 764-8989. Alternately, you can get started today by applying online for a loan. We look forward to working with you!

 
 
 
Best Used Car Options for Your College Graduate  May 3rd, 2019 

Best Used Car Options for Your College Graduate

It’s that time of year - college graduates are in their last few weeks of school and cramming for final exams as well as putting extra hours in on papers and presentations. If you talk to them over the phone or meet up with them for lunch, you might be greeted with a yawn after they pulled an all-nighter. For many, these last efforts come with a sense of excitement and fear because they are on their way to graduating. Graduation brings with it new opportunities, and traditionally it also brings gifts. If you’re a parent and you’re looking to get your child a new-to-them car as a reward for their four years of hard work, used vehicles are a great way to go.

This shouldn’t just be a junker car, like the kind they undoubtedly bought with their savings or you helped them purchase when they were in high school. You’ll want to make sure that your investment works for them for the long-term, however, so parents should always do a little scouting to ensure the best used car options for their college graduates.

Consider Buy Here Pay Here Dealerships

Buy here pay here dealerships get a bad rap, but they are honestly one of the best options for parents looking to give their kids a little taste of independence while not paying an arm and a leg for their freedom. Buy here pay here car dealerships work with anyone, regardless of credit history, and can help find you a car that fits into your budget as well as one that you can pay off relatively quickly. Let’s face it - you remember what you were like at that age, and the chances are likely that you were much less immature. First and second cars go through a beating, so you’ll want to make sure that when buying a first or second car you don’t have to spend years paying on an investment that will likely take additional punishment.

Buy here pay here dealerships are also an excellent opportunity for parents with credit issues to get a graduation-worthy present for their child. Loans and lines of credit are nearly impossible to obtain if you have poor credit, and that can make getting a car for your child that much more difficult. However, at buy here pay here dealerships they only need to see that you make a certain amount of money and are above a certain age for you to get in-house financing.

Work With Legitimate Sources & Opt For Safety

Usually, you can tell a bad deal by looking at it. For instance, if you pass by a used car lot that has only a handful of cars and all of them look worse for the wear, you might want to check elsewhere for a vehicle. Not only is a car dealership like this likely to sell you what is so endearingly referred to as a lemon car, but they are also likely to sell you a vehicle that is not up to safety standards. No parent ever wants to cause their child harm knowingly, so it is best to work with a legitimate source that focuses on safety and reliability - even if that means getting your graduate the most basic sedan over a cool old SUV with questionable safety ratings.

Buy here pay here auto dealerships are usually trustworthy, and there are a few ways that you can reassure yourself that you’re making the right decision about purchasing through a buy here pay here car lot. First, reputable car lots will have attentive and open salespeople who are willing to answer your questions and work with you on finding the right car. Second, they will belong to an association that verifies their quality standard. For instance, Auto Now belongs to NIADA - the National Independent Automobile Dealership Association. This proves that they have a warranty on their vehicles that looks after the best interests of the customer rather than trying to sell the customer a car to make a quick buck. Finally, cars will be free of major cosmetic issues and look as though they are well maintained. Reputable dealers like Auto Now will also let you test drive cars to make sure you don’t have any question about their reliability before you purchase them.

Check in With Your College Graduate Before Buying

You can still surprise your graduate with a great used car while making sure it is the right car for them. Is your child a car enthusiast? Consider purchasing them a manual. Often, manual cars of similar or better quality than the majority of automatic cars on the market are sold for less at used car lots. Manual cars are a delight to drive if you’re a car enthusiast and might be an added pleasure for a vehicle that is gifted to a child.

Additionally, if your graduate is moving on to bigger and brighter futures at a post-graduate job, gently ask them about what type of work they’ll be doing for their job. If the work requires a lot of highway driving, perhaps opt for a car that offers excellent highway mileage. If it is a job that requires offroad driving, such as a biology position, a truck might be a better option. Whatever situation your child will be in, you know them best and will ultimately be able to make a choice that they’ll love on a used car for them.

If your college graduate is taking the next step in their adult life by graduating, reward them for their efforts by buying or helping them buy a quality used car. Olathe, Kansas residents can bring their college graduates down to Auto Now on 1404 East Santa Fe Street to browse our selection of quality used vehicles. Graduation will be a moment they will never forget, but that moment can be made especially memorable by handing them the keys to a car. Schedule a test drive for your graduate by calling us at (913) 764-8989.

 
 
 
How Buy Here Pay Here Dealerships are Different Than the Rest  May 3rd, 2019 

How Buy Here Pay Here Dealerships are Different Than the Rest

It’s hard to miss a buy here pay here dealership. So many of them have flashy advertising with deals that seem too good to be true that even if you’re not sure exactly how they are different from other used car dealerships, you know that they exist independently. You see them as you whiz by on the highway, and you definitely can’t help but notice them if you’re stuck in 5 pm traffic. For the average car dealer, a buy here pay here dealership is rarely differentiated from a traditional used car dealership. After all, they mostly look the same - many used cars from all different brands, bright decorations and signage, and rarely anyone outside looking at cars when you drive by.

A good buy here pay here dealership is different than most other dealerships. With competitive pricing, fair trade-in offers, and most importantly a way for people who have less than excellent credit to purchase a car when they need it, it is possible for anyone regardless of credit history to buy an affordable and dependable used car. Unfortunately, buy here pay here car dealerships have acquired a bad reputation over the years, and this has prevented many people from seeking the help that they need to get a quality used car. At Auto Now in Independence, we believe that dispelling the myths about buy here pay here dealerships that offer on the lot financing is essential to helping people get the car they need. Here is how buy here pay here dealerships are different than the rest.

About the Inventory

Buy here pay here dealerships have specific federal regulations that they must meet to sell their inventory. On each car, there must be a document which discloses the history of the vehicle as well as any issues with the car on the report. Transparency in buying is something that we believe in at Auto Now, and therefore we make sure that our car history documents are accessible and easy to read. We also believe in selling only the best used cars available. We take pride in our inventory, and we inspect and provide a 24-month warranty for every vehicle on our lot.

Many of the cars on our lot are trade-ins that former customers have put toward the purchase of a used car on the lot. This process has provided us with a diverse inventory that allows our customers greater choice from the products available. You won’t find the same diversity in used cars, as many other used car lots purchase lower-quality cars to make a profit off them. At Auto Now Independence, we couple quality with reliability and affordability, setting our inventory aside from our competition.

About the Process of Applying for On the Lot Financing

Applying for on the lot financing is like applying for a traditional bank loan. As you would head into a bank, you head into a buy here pay here dealership like Auto Now of Independence. Your first stop is meeting with a car salesperson, who will determine how large of a loan you qualify for by looking over your monthly financial obligations and your net income for the month. After a loan amount is determined and you accept that loan, you then browse from the selection of vehicles on the lot until you find a car that you like. A great way to cut down time is to estimate how much you can afford to pay on a vehicle and then browse the inventory in that range before coming to the lot.

Once you have chosen your new car, you sign off on it, and the salesperson will walk you through your payments.

About the Payments on Your New-to-You Car

If you’re reading this and you just signed off on a new car, congratulations! You’re on your way to the freedom of hitting the open road. One thing that separates a purchase of a buy here pay here car from purchases of other types of used vehicles is that payments can be a little different. Payments are customized and will vary from person to person, but as well as monthly payment options, buy here pay here dealerships often offer weekly and bi-weekly payments. There are many benefits to making weekly and bi-weekly payments, and if you have questions about which one might be better for you, then you need only to speak with one of the experts at a dealership like Auto Now Independence.

How We Help Rebuild Credit Quickly

Usually, purchasing a car through a buy here pay here car lot means that you spend less time paying off your car - not only because it is a used car, but because buy here pay here dealers find comfortable ways to help you make more significant payments on it quickly. This adds up over time and eventually works toward rebuilding your credit. Whenever you make an on-time payment toward the ownership of your car, the dealership you have financed through reports to the main US credit bureaus. Additionally, if you make extra payments or you pay off the total due on your car before the term is up, this also goes into your credit report. Paying off large sums and making on-time payments are critical when it comes to rebuilding your credit, so working with a buy here pay here dealership is one of the best ways you can make a difference on your credit score.

Are you a Kansas City or Independence resident who has been searching for the right place to buy their next car? Check out Auto Now of Independence before you do any further searching. Our knowledgeable salespeople and diverse inventory are sure to help everyone from car experts to first-time buyers make a sound purchase. Stop by our Independence location at 10500 US 24 or give us a call at (816) 833-6900 to schedule an appointment. We are open Monday through Saturday from 9 am until close.

Let us help you rebuild your credit and rediscover your love of cars.

 
 
 
Financing a Used Car with a Low Down Payment  May 3rd, 2019 

Financing a Used Car with a Low Down Payment

Etiquette is not just a fancy-sounding term for manners - it’s a word that describes proper ways to act in certain situations. In most cases, this protocol is there for a reason. Even in something as mundane as purchasing a car, etiquette still applies. One such rule for buying a vehicle is that a person should put a 20% down payment on it in order to make the payments more comfortable for their financial situation. This piece of etiquette arose out of both common sense and misinformation. It makes sense that paying as much as you can on a loan up front is the best way to save money. However, over time the 20% rule was fueled by misguided ideas about car salespeople.

We’ve all heard these ideas. The myth of the “lemon” car being sold to an unsuspecting car buyer. Whisperings of high interest rates and repossessed cars. Worst of all, the ghost of the “sleazy car salesman” still haunts modern lore about used car purchases, and fuels the idea that we need to make a substantial down payment before we go about purchasing a car. However, sometimes we don’t have that down payment handy when it comes time to buy a new vehicle. Perhaps you were in a car accident and your insurance company refuses to pay for the damages or maybe your car just refused to start one morning, and that was the last straw. Whatever the reason - you don’t have to risk missing out on work and routine life for months by scrounging every penny to make a down payment. There are ways to finance a used car with a low down payment.

Start By Working Out a Budget for Yourself

Figuring out a budget when your life is already stressful is a hard thing to do, but it is, unfortunately, one of the first things that you should do before you even think about getting a new car. Start by writing down your net monthly paycheck - meaning what you make after taxes on each paycheck. Then, work your way through your monthly expenses: rent or mortgage expenses, insurance, loan payments, groceries, children, and pets. See how much of your monthly paycheck is left after you go down through those expenses. This is potentially what you have to work with for monthly payments, and this is something you can bring to a financing expert at a buy here pay here dealership. This will help them figure out what type of car you’ll be able to pick from their lot as well as how much they’ll be able to give you in a loan amount.

Budgeting not only helps you stay grounded when it comes to your next car purchase, but it can help clear a busy mind and prepare for the future if you are feeling down about your financial situation. If budgeting does not come naturally to you, however, you can still use a general idea about how much money you make each month to fuel a car purchase.

Next, Go to a Buy Here Pay Here Dealership

To get buy here pay here financing, your next stop is to visit a dealership. If you live in Independence, we recommend driving over to Auto Now of Independence. We have multiple locations in Kansas and Missouri, which means we have the most extensive selection of cars in the area - which will ultimately help you find the vehicle that you need.

When you reach the dealership, you’ll get squared away with a salesperson. If you filled out an online application before this meeting, you’ll meet with a salesperson to go over the amount that you are being offered for in-house financing. If you’d prefer to fill out an application in-store, then the salesperson will likely ask you about things including what you do for work, how much money you make, and how much you pay each month in bills. Most buy here pay here dealerships, including Auto Now of Independence, do not require that you have a squeaky clean credit history. They understand that things happen and are more than willing to help you find a way to finance the car you need.

The car salesperson will work with your financial needs to figure out a payment plan that will work for you. In most cases, it is fine to finance a car through a buy here pay here establishment even if you cannot afford a 20% or higher down payment. They’ll figure out how much of a down payment you can afford on your budget and will apply a payment plan accordingly. This will likely mean that you end up paying more on your payments, but it will make the initial payments a little more reasonable, leaving you with more in your wallet for the other things in life that you need.

Pay Off What You Can When You Can

The best part of financing a car with a low down payment is that you still get the chance to build up or repair your credit while you make payments on your vehicle. The agent you work with at the buy here pay here dealership will create a payment plan that is ultimately comfortable for you, but that doesn’t mean that you have to pay that amount. If you get a bonus at work, a promotion, or a little extra spending money for your birthday, you can take that and apply it toward the overall payment of your car. On time payments build up your credit, but paying more than the amount due is also a great way to boost your credit score in a short period.

Are you ready for a new car but don’t have the funds to make a big down payment? Don’t worry about it. At Auto Now of Independence, you can choose from a selection of quality used cars without the need for a substantial down payment. Fill out our online application for a closer look at what we can do for you on your monthly budget. Or, stop by our store at 10500 US 24 in Independence. One of our dedicated car salespeople will help you figure out a way to afford a car that works for you on a budget you can get behind.

  
 
 
Think You Can't Get Financing On a Used Car? Yes, You Can!  May 3rd, 2019 

Think You Can't Get Financing On a Used Car? Yes, You Can!

The credit system in the United States can be exhausting, especially for those who have less than excellent credit. It only calculates things like credit cards payments and balances, loan payments and balances, and mortgage activity. And while it derives all the good aspects of these activities, it also calculates the bad. Sometimes the bad isn’t even all that bad - things like high balances on credit cards often just indicate that you needed to use more of your credit limit than you had previously thought you would. Those high balances have a more significant impact on your overall credit score than consistent on-time payments that you make to them.

What’s worse is that many loopholes are available to people with poor credit that they aren’t told about. If you rent an apartment, pay electricity or internet, or pay monthly on an insurance policy these things should also count toward your credit. Unfortunately, these companies do report to credit agencies if you make even the slightest late payment one time. You can ask for your landlord or insurance agency to report your on-time payments to credit agencies, but that brings up another issue - it can take anywhere from three to six months for a credit score to accurately report your creditworthiness. This amount of time just doesn’t fit in with regular schedules.

Then there’s the issue of getting financing on big purchases like cars. According to a recent study, the majority of Americans, with both good credit and credit issues, cannot afford a new car. This means that many look to used car dealerships for their subsequent vehicle purchases. Unfortunately for people with credit issues, many used car dealerships require outside financing, such as bank loans or lines of credit. If you have less than excellent credit, this seems like a death sentence when it comes to purchasing a car. Fortunately, buy here pay here dealerships like Auto Now in Belton offer financing on used cars for people regardless of their credit history.

Can You Trust Buy Here Pay Here Dealerships?

A common misconception about buy here pay here dealerships is that they are only looking to make a quick buck and don’t care about the needs and wants of the car customer. This is especially true among customers who have had a bad experience based on their credit. Some people want to take advantage of those who need cars, and while this might be true of some car dealerships, there is always one rotten egg in among the good ones. To find a buy here pay here dealership you can trust, here are a few things you can look for.

The dealership has a wide selection of cars and prices. The quality of a dealership’s inventory can make a difference in terms of the trustworthiness of that dealership. When a dealership has cars from all brands, a range of years, and at a variety of prices you know that they are not just trying to sell all the vehicles on their lot - they are trying to provide reasonable transportation to a range of potential customers.

The dealership has a warranty on their cars. Good dealerships, like Auto Now in Belton, have warranties that tell you they care about the vehicles they are selling. All Auto Now locations have a 24-month warranty with a low deductible which makes you feel confident that even if you have a repair in the first two years of owning a car, it won’t cost you your entire paycheck.The dealership wants you to understand the whole process and puts an emphasis on clear communication. Ever been to a store website that is hard to read and full of jargon? Or is there a time you can recall having worked with a salesperson who sugar-coated everything about a product they were trying to sell you? A good buy here pay here dealership will provide clear communication about the entire process of purchase - from the time you visit their website to the time you spend working with a car salesperson.

How Do I Apply for Used Car Financing?

To apply for used car financing, you will fill out an application that asks you a little about your financial status, including questions about your income and your monthly bills. Usually, before you can secure financing on a particular car, you must meet with a salesperson at the buy here pay here dealership. Once the salesperson fully understands your financial situation, they will be able to help you choose a car on the lot based on your preferences and the amount they are willing to lend you. Instead of basing this number off of credit, which does not show your full financial story, they rely on you to be clear about what you can afford.

What Requirements Are There for Obtaining a Used Car Loan?

On the lot financing is a great car buying alternative for those with credit issues. However, it is not available to everyone who is in the market for a new car. Each buy here pay here lot has their own rules and regulations. To get a used car loan at Auto Now, you must:

  • Be 18 years of age or older.
  • Make $1200 monthly after taxes are taken out of your paycheck. Usually, this requires a full-time job at minimum wage or a part-time job at a higher salary.
  • Have a valid driver’s license so that you can drive the car you purchase.

Other than that, you don’t need to worry about financing on a used car. If you meet these requirements, you will be able to obtain on the lot financing and drive away with a great car.

Still not convinced that your credit history will allow you to get a new car? Let us convince you otherwise. If you live in Belton or the Kansas City greater metro area, stop by Auto Now in Belton to meet with a financial specialist about making your next big purchase. All you’ll need to bring is photo ID and proof of income, and we’ll be able to work out a payment plan and vehicle option for you. Call us at (816) 331-2100 to schedule an appointment, or visit our website to apply online before you come in.

 
 
 
Do You Need Credit to Finance Used Car?  May 3rd, 2019 

Do You Need Credit to Finance Used Car?

Remember the good old days when credit didn’t matter? Those carefree summers when you paid for your gas in cash and went to the movies with friends ended the moment you turned eighteen and adult life started calling. The national credit system likely found you soon after you graduated high school, and your financial life was forever changed.

If you went to college, your first interaction with credit was likely applying for student loans. Many students end up needing a co-signer on their loans because they have a young credit history. For some, credit cards came at the age of eighteen and with them the debt racked up. Sometimes, people even avoided working their way into the credit system by rejecting credit cards and loans. However, avoiding credit altogether is also not sustainable in the US economic system. In fact, most big purchases require credit, so people with poor credit or those who are new in the credit system can find themselves in a sticky situation when it comes time to make their first big purchase.

Cars and the Credit System in the United States

One of the first big purchases that people make is a car. Essential for most lifestyles in the United States outside of major metropolitan areas, a car is necessary to get to and from work, most formal functions, and even sometimes to get to events that sustain the soul - like movies with friends. If you opt to purchase a used car from a third-party, or you feel as though you make enough money to buy a new car, chances are you’ll need to apply for a loan or a line of credit. Unfortunately, if you have a new credit history or issues with your credit history, you will likely experience problems getting the money you need to make this purchase. You’ll end up being denied, being offered much less than you expected, or being offered a loan with a hefty interest rate on it.

However, there are alternatives to financing a used car through a bank loan or line of credit - and no, they don’t require phoning home to ask mom and dad for a little extra cash. Purchasing your next car from a buy here pay here dealership is one of the best ways you can skirt around your credit history and obtain the transportation that you need.

How Financing Without Credit Inquiry Works

The credit system was set up to allow banks and other financial institutions an easy way to approve or deny someone based on the quality of their financial history and payments as well as types of accounts that they have open. In essence, the top credit bureaus in the United States collect data on every account you have open - your banking information, your credit cards, your educational loans, car payments, house payments, and other lines of credit. They look at how many accounts you have open, what balance percentage you have on those accounts, and whether or not you make your payments on time. Based on these elements, they provide a credit score which is how banks and lenders determine whether or not they are willing to lend to you.

In some instances, this is a very efficient way to determine your financial state. It allows you to apply for financing and get it relatively quickly. However, this is not always a good indication of a person’s ability to make on-time, consistent payments and therefore can unfairly disqualify them from getting financial assistance. Additionally, even if you are approved, the wait time for loan disbursement is usually weeks. Not everyone has that kind of time.

In-house financing on a used car allows people with credit issues to apply for financing on a car based on specific financial factors. Using the application and a brief interview with a potential car buyer, a buy here pay here dealership salesperson can determine how much money on a payment a person can afford each month. So rather than picking out a specific car and applying for a loan for the amount of the vehicle with a bank, something that might or might not happen, a financial specialist at a buy here pay here dealership will help you understand how much you can afford to pay down on a car each month and will show you car options based on that amount. That way, you never get forced into a car purchase that might not work for your financial situation, and you’ll be able to make a purchase regardless of your credit history.

Will I Still Be Able to Get a Quality Car?

A worry that many people have when it comes to used car financing is that they will not be able to afford a quality car when they finance through a buy here pay here dealership. Buy here pay here cars are still quality cars, and if you go to the right dealership, you’ll be able to tell that they put time and effort into providing their customers with used cars that are worth their money. At Auto Now of Belton, we are so sure about the quality of our vehicles that we provide a 24-month warranty on each of them. This warranty assures that we have assessed the reliability and road-readiness of each of the cars on our lot and are sure that you will have no significant issues with them for two years.

Warranties are important to look for when previewing cars at used car dealerships. You’ll know you’ve come to a quality dealership if they can put their money where their mouth is and provide you with a car that they would be proud to drive.

Live in the Belton area and are in search of a great used car? Auto Now of Belton has all the tools you need to make your next used car purchase a successful one. Quick and easy online applications, friendly service ready to help you whenever you might need, and affordable and customized payments are some of the things that we pride ourselves on. You won’t find this type of service at any of our competitors. To see for yourself what kind of a difference you can get at Auto Now in Belton, visit our location at 307 East North Avenue, or give us a call at (816) 331-2100.

 
 
 
Used Car Dealerships That Will Finance Regardless of Credit History  May 3rd, 2019 

Used Car Dealerships That Will Finance Regardless of Credit History

It hardly seems like you can pass through a city anywhere in the United States that doesn’t have a used car dealership in it. There are hundreds of used car dealerships throughout Kansas and Missouri, and each one of them claims to have the best prices in the city. Claims of excellent prices aside, there are a few visual tips that decide whether or not a car lot is worth its salt. If you see cars on the lot that look like they are on their last leg, chances are high that the dealership did not do much to that car before putting it back up for sale. Subsequently, if a dealer is wary of discussing the car’s history with you, you might want to turn and run. But other than the trustworthiness of a used car dealership, there are other significant things that car buyers look for when it comes to buying their car.

For many looking for a used car, this includes finding a used car dealership that will finance regardless of credit history. But not every used car dealership offers this, so it is essential to inquire about their financing options before getting your heart set on a car on their lot. The key to finding one of these dealerships is to look for the phrase “buy here pay here” in their advertisements. Buy here pay here car lots provide in-house loans for all their customers, regardless of their credit history. If you live in Kansas City, consider stopping by Auto Now on 79th and Wornall to work with a used car dealership that will finance regardless of credit history.

Why Should I Consider a Buy Here Pay Here Lot if I Have Credit Issues?

A common misconception among people with credit issues is that if they have credit issues, they should not seek out any outside financial help. A lot of this misinformation comes from the reality that most people with less than perfect credit will be turned away from traditional lenders because of their credit. However, financing through a buy here pay here car lot can actually help your credit score, especially if you have credit issues.

The reason? Financing through a buy here pay here lot is very similar to traditional lending options in terms of how it is reported to credit bureaus. Although buy here pay here lots do not pay attention to your past credit issues when it comes to providing a loan, they do still report to credit bureaus. Therefore, if you’ve had problems getting a loan from a bank or a line of credit from one of the larger financial institutions in the United States, you’re still able to get and pay down toward a line of credit. On time payments will eventually raise your credit score, providing potential future opportunities for house mortgages, educational loans, and other lending opportunities that might not have been available to you previously.

How Are Buy Here Pay Here Lots Different Than Traditional Used Car Dealerships?

Overall, buy here pay here lots are similar to traditional used car dealerships. They still offer a wide selection of used cars to choose from, and they still are usually offered at lower prices than a brand dealership or new car dealer. Reputable buy here pay here lots will have checked over their inventory for issues and have repaired those issues before putting them out for sale. However, other used car dealerships will require you to provide outside financing on a used car to purchase it. Ergo, you will have to obtain a loan from a bank or have thousands of dollars saved up to buy this car. For most people who need a used car, forking over thousands of dollars in savings to purchase a new car isn’t an option, and for people with credit issues, it can be nearly impossible to obtain a bank loan. Buy here pay here lots offer in-house loans for their customers based around the customer’s financial obligations.

What to Expect From a Buy Here Pay Here Car Lot

Although buy here pay here lots are, in theory, like any other used car dealership, there are still things that you should expect from these types of lots when you go in. First, you will need to meet with a salesperson before discussing a loan on a car you’d like. Buy here pay here lots expect customers to come in with an idea of what they want in a car, and they even encourage that you browse their selection of cars before coming in. However, the final say in what type of car you buy will ultimately come from the types of financing you are offered. A salesperson will go over your monthly income, financial obligations (like rent, utilities, and other monthly financial commitments), and credit history to come up with a loan range they are willing to offer you.

Based on the loan offer, you are then welcome to browse the lot and find a car that works for you in that range. You’ll be able to drive away with that car after filling out all the necessary paperwork, and from there you’ll make weekly, bi-weekly, or monthly payments on your vehicle depending upon the payment terms you set up at the dealership. The best of all is that as you pay off your car, you’ll be working toward repairing your credit for good.

Auto Now on 79th and Wornall in Kansas City is a buy here pay here auto lot that you can trust for your financing needs. We offer a variety of vehicles, a custom financial experience, and the potential to repair your credit over time. We are a member of the National Independent Automobile Dealers Association (NIADA), which means that you can trust our ability to help you get the used car that works for you. Browse our lot or schedule a test drive today by visiting our website. Or, feel free to give us a call at (816) 333-6000. We look forward to helping you repair your credit.

 
 
 
Have Credit Problems? Consider a Buy Here Pay Here Car  May 3rd, 2019 

Have Credit Problems? Consider a Buy Here Pay Here Car

Credit problems are a lot more common than those with these problems would like to think. In fact, nearly one third of Americans have credit issues that impact their ability to get financing on big purchases like a house, car, or college tuition. Not being able to obtain a line of credit when you need it has physical and mental consequences. When you’re going through credit issues, it can seem like you are all alone and with few other options other than to wait and let your credit repair itself over time. But this is not the most optimal way to deal with your credit score. Taking hold of your credit and finding ways to correct it quickly is the proactive solution to most credit problems. The question for most is how do you take charge of your credit when you have limited options?

Traditional options have included taking out additional credit cards, making large payments on remaining credit card balances, and even remortgaging houses to make new, consistent payments. These are options that credit bureaus and “experts” have offered those with credit issues as solutions - and in most cases, these are fruitless solutions. They involve making credit inquiries and further hurting your credit score on only the chance that you might get a new loan that you don’t actually need and often don’t qualify for. Additionally, it is hard to make large payments on existing credit accounts consistently. But some options don’t involve traditional credit inquiries that can help you improve your credit payments, and those options come in the form of something most people use every day.

Using a Car to Address Your Credit Issues

In the United States, nearly 90% of the population owns a car. Aside from living in the city, most American lifestyles require a vehicle to navigate the large swaths of land and poorly running public transportation that exists outside of large cities. If you don’t have a car, getting a vehicle from a buy here pay here establishment is one of the ways that you can not only improve your commute to work or school but also a way that you can be proactive toward addressing your credit issues. Buy here pay here car lots, like Auto Now on 79th and Wornall in Kansas City, are designed to help people with problems in their credit history get a quality used car and rebuild their credit.

How Do Buy Here Pay Here Cars Address Credit Issues?

It is challenging for people who don’t have perfect credit scores to get ahold of sustainable lines of credit, and sometimes it is even difficult for them to get ahold of any loan at all. Buy here pay here establishments lend to potential car buyers regardless of their credit. While they might ask information about your credit and your income, this is solely to help them figure out what type of payment plan and car they can afford. Buy here pay here lots function in many of the same ways that traditional car lots do. You make payments toward full ownership of a car, and the lot monitors those payments. Each time you make an on-time payment, or each time you pay more than the amount due, the lot reports this to credit bureaus. That way, you don’t need to worry about being denied a loan and having the loan inquiry impact your credit score even further. You can worry about paying off the loan you have taken out on your car and watching your credit score gradually improve.

What is the Process Like For Getting a Buy Here Pay Here Car?

You can think of the process for getting a buy here pay here car as the opposite of the traditional car buying process. You can browse the selection of vehicles at a buy here pay here lot first to get an idea of the car you might like, but the initial process will start with evaluating your finances. It is essential for the lot to understand how much you can afford in monthly payments before getting you set up with a car. They will have you fill out a form that outlines how much you make every month, and will ask you about other financial commitments like rent. Then, based on that, they will show you cars.

The main goal of buy here pay here lots like Auto Now are to provide the customer with a reliable and affordable car that they can make sustainable payments on. Unfortunately, this might mean putting the dream of owning a Ferrari on hold, but it can help you upgrade the car that you have now to a more reliable and sustainable one. It is especially worth considering a buy here pay here car if you have an older car that is on the rocks. You can trade in your old car toward a down payment on a new car, which might give you more options.

Once you have picked your car and applied for a loan, you then finish up your paperwork, drive home with your new car, and make payments on it until it is paid off. The salesperson will go over payment instructions with you, and you’ll have the option to either pay online or by mail in most instances. Making on-time payments as well as additional payments when you can afford them will not only get you on the path toward owning your new car outright but will assist you in improving your credit score over the long run.

Do you need help improving your credit and don’t know where to start? Consider visiting Auto Now on 79th and Wornall in Kansas City to get started on the purchase of a new-to-you car. Auto Now is a trusted buy here pay here car lot with locations all over Kansas and Missouri. We’re committed to helping you get the vehicle that works for your budget as well as helping you improve your credit score. For more information, or to schedule a test drive at our 79th and Wornall location, contact us.

 
 
 
Auto Now Offers a Huge Selection of Buy Here Pay Here Cars  May 3rd, 2019 

Auto Now Offers a Huge Selection of Buy Here Pay Here Cars

Imagine this: you’ve gone through a week’s worth of research on all the banks and credit unions you plan on applying for a loan for a car with. You’ve got a pretty well-sized down payment in your bank, and you’re ready to get a car. You apply for a loan, and you get prepared to go to look at a used car lot with your dad. Your dad swears that he can get you a good deal on a car and that he knows the guy who owns the lot. When you show up, however, you find to your horror that the “lot” is little more than the run-down front yard of a random guy’s house where a handful of junky-looking cars now sit. The “dealer” is an old pal of your dad’s who your dad trusts a little too much, and this “dealer” tries to convince you to purchase one of the three older-looking sedans he has in his possession. Your dad, nodding his head in approval, is also pressuring you to pick a car you don’t like. You tell them you have to think about it, and you go home feeling downtrodden. To top it all off, the bank you applied to for a loan calls the next day and says that because of your credit, you’ve been denied.

This scenario is a lot more familiar than most people would like to believe- dads often want to help too much, and sometimes our options look bleak even after our best efforts. The average American household holds over $8,000 in credit card debt - and this doesn’t even factor in educational loans, home loans, and all the other forms that debt takes on. All this adds up to more than just a hefty monthly payment. It also means a load of lower credit scores all across the nation, and that can impact the ability for you to make necessary purchases on large items you need to survive, like housing and transportation.

Don’t settle for front-yard cars sold by your dad’s friend, and don’t let your past credit issues impact your ability to buy a great car. Auto Now offers a wide variety of buy here pay here cars at prices that everyone can afford.

We Want Our Customers To Feel Seen

Too often do big businesses forget about customers. This can be abundantly seen in the credit industry, one that turns customers into numbers without taking into account their genuine and very unique needs. A credit score doesn’t tell how many on-time payments you made, nor does it tell you how trustworthy of a person you are. It certainly doesn’t show a potential lender how much you make at your job. Otherwise, they would not ask for income verification at the time of application. We know the toll that this mindset takes upon potential loan customers, and that is why we do our very best to make the application process unique to your situation.

When a customer comes into Auto Now in Topeka, Kansas, they will be greeted by a salesperson. This salesperson is not only knowledgeable in automobiles but is knowledgeable in buy here pay here financing. They sit down and help you fill out your application, or they go over your application with you if you filled it out online. Your application looks over your personal financial obligations, which is one of the essential parts of this process. Traditional lenders like banks and credit unions do not take into account monthly expenses like rent, healthcare, and all the other things that are necessary to pay for as an adult. These things help factor into the final amount that we offer you as a loan, which allows you to not only find a loan that works with your monthly paycheck but also with your lifestyle.

We Guarantee You’ll Be Able to Find a Car You Like Here

Once we help you determine how much we can lend to you based on your financial situation, we get to work helping you find a car. Used car lots are notorious for sometimes having an eclectic mix of vehicles, which can put some car shoppers off. However, one of the ways that Auto Now can provide a wide array of quality used cars is through our multiple locations. With locations in both Kansas and Missouri, we get a vast selection of used vehicles that come through our sites. These used cars are available for all our customers, and you can browse the collection before coming in to see what they have that you might like.

Also true with used car lots is that the chance you will find the exact make, model, year, and color car that you want the most is pretty slim. However, it might be that you find a vehicle on the lot that you like even better with the help of a salesperson. The folks at all our Auto Now locations are knowledgeable and able to help guide you with your purchase. If you have a car that you love that we don’t have in stock, they might suggest others that have similar capabilities. However, the final choice is ultimately yours. If you want to wait until we get a car you really love in stock, you can put your name in our database, and we will notify you when it comes in. However, with over one hundred vehicles at our Topeka site alone, we doubt that you will be able to leave without finding a car that you love.

If you’re ready to purchase your next car, now is the time to do it! Our inventory is enormous, and we have nearly one hundred and twenty different vehicles ready for you to look at and test drive. We have cars as new as 2016 and all of them at great, affordable prices. Don’t worry if you have credit issues, a time limit, or just a sense of curiosity and are not sure you even want to purchase another vehicle yet. Auto Now of Topeka, Kansas can steer you in the right direction and help you find your next car. Apply online or contact us today for more information.

 
 
 
Our Buy Here Pay Here Financing Makes Car Buying Easy  Jan 28th, 2019 

Our Buy Here Pay Here Financing Makes Car Buying Easy

Our buy here pay here financing makes car buying easy at the Auto Now in Wichita, Kansas. For dealerships, getting customers in the door and off the lot in a manner that respects their time is often a challenge. The car buying experience can often drag on for hours or even days at a traditional dealership with traditional financing options such as a bank or a credit union. Even online lenders can be difficult to navigate and take advantage of their offerings. Not only is the process difficult when you have found the car that interests you, but finding that specific car can be a challenge. With over 20 years in the business and six locations throughout Missouri and Kansas, Auto Now operates a buy here pay here program which can be found at many locations including in Wichita. Finding that perfect car may be a challenge, but with an inventory of over 500 vehicles, online access and a friendly staff, Auto Now Wichita is ready to help. We’ve changed the car buying experience by keeping the process streamlined under one roof so that you can find a car you like and can afford by working with one team from start to finish.

Easy application

Applying for an auto loan through our buy here pay here program is as easy as 1-2-3. Requirements for applying for financial assistance are 1) You must be 18 years old 2) You must hold a valid driver’s license and 3) You must make at least $1200 a month after taxes.

No credit score is too low

Being in the business of car buying and selling for over 20 years, our staff at Auto Now in Wichita has seen car sales come down to a customer’s credit score. Basing a person’s future and future ability to have reliable transportation solely on a number can be detrimental and does not take into account the complexities of life. We believe everyone should have access to an affordable vehicle that is reliable and that should not be limited by credit score.

Faster approval times

By using our online pre-approval application form, you’ll be set up and ready to go once you visit our Wichita location. Have a question or want to apply in person? You can do that too. Just come in and meet with one of our experienced staff members to get started. The application process can take less than 10 minutes and can be done regardless of your credit history.

Work to rebuild your credit

What’s better than buying a pre-owned vehicle while also building your credit score? Sometimes financial hardships happen and rebuilding damaged credit can seem daunting. Through our staff, Auto Now helps our customers not only find a car they can afford, we also work to set up a payment plan that fits within your life and means. Through our online portal, customers are able to set up reminders and automatic payments as not to miss a car payment ever again. Not only that, but the platform allows Auto Now customers to receive payoff quotes, change their payment schedule and track previous payments.

Know what you need in a vehicle

When first visiting a buy here pay here dealership such as Auto Now in Wichita, knowing what kind of car you are looking for can help tremendously. Before coming in for a visit, think about what you will be using the vehicle for on a regular, day-to-day basis. Things to think about during your initial research phase is what kind of gas mileage does the car receive and what is the storage space like. Is there enough room for you and the number of passengers you will regularly have? Do you need a fuel efficient vehicle because of a long routine commute?

Staff that works with your budget

Our staff at Auto Now in Wichita is ready to help you understand not only the best vehicle but what you can afford in your budget. Knowing your budget and what you can afford is one of the most important aspects of buying a new or used vehicle. Before visiting a dealership, get your finances organized and learn what your monthly budget is and what you have leftover for a vehicle payment. Not only will this help your current monthly budgeting, it will help you maintain organization going forward. Furthermore, knowing your budget will help you narrow down your options for a vehicle from the over 500 available in our inventory throughout Missouri and Kansas. It’s important to visit a dealership fully prepared for negotiation and knowing your bottom line so you stay firm with what you know you can afford. During your visit to our buy here pay here dealership, we will work with you and your budget to figure out a car you can afford, not the other way around.

Being a buy here, pay here dealership throughout Kansas and Missouri means we are in a position to help our customers who may not have the best credit, who may have low credit, or poor credit history due to financial hardships. Buying a car can be a huge investment and a difficult task. But our staff at Auto Now in Wichita is ready to help every step of the way. Our dealership does everything under one roof so buying a car is an efficient and painless transaction that does not take all day.

Our auto dealerships are spread out in six locations between Kansas and Missouri. Auto Now has always been excited to serve members of our communities by finding affordable and reliable transportation regardless of credit history. Next time you are in the market, swing by Auto Now in Wichita and meet our friendly and knowledgeable staff. We will get you in a vehicle and out the door through our efficient and streamlined buy here pay here program.

 
 
 
Is a Buy Here Pay Right For You in the New Year?  Jan 28th, 2019 

Is a Buy Here Pay Right For You in the New Year?

With the start of a new year comes new ideas, new paths, and reasons to try something new. If you have been on the lookout for the perfect used car but never made the purchase in 2018, let 2019 be the year you find the car that fits your needs and your budget. But beyond finding a car, let 2019 be the year you think outside the box for financial assistance. Instead of traditional lenders such as banks and credit unions, buy here pay here car dealerships like the Auto Now in Wichita, Kansas may be the perfect fit for that next purchase. Buying a new-to-you vehicle is an investment, especially if you have issues with your credit history. But how do you know if our buy here pay here dealership is the best choice for you? Let us take a look at a few advantages to get those brain gears turning as we move forward with a new year.

Everything under one roof

If you have ever been to a dealership before to purchase a vehicle, then you know that it can take time. Between running credit checks, contacting outside third-party lenders for the best rates or just being shuffled through the process talking with multiple people and filling out massive piles of paperwork. It takes a whole day and sometimes more depending if the financial institution is available. With our buy here pay here Wichita dealership, everything is under one roof from picking a vehicle out of our inventory to determining the best financing option for your next investment. Regardless of credit, our staff is experienced working one-on-one with our customers providing them with the best affordable vehicle in an efficient and thoughtful timeline. Gone are the days waiting in the dealership lounge while hard checks are run on your credit. Because we offer our customers in-house financing, we are able to help people who may have had financial hardships in the past. It also allows us to make the car buying process less of a burden and more direct for the customer.

Efficiency in searching and transactions

Our Wichita buy here pay here car dealership has access to an inventory of over 500 used vehicles throughout Kansas and Missouri. With six locations in the region, we are sure to find a reliable and accessible vehicle that you can drive off the lot today! Before you come to our dealership, do some research for the vehicles on our lot through our extensive inventory online. Once you are ready with a few options or if you are interested in discussing details with our Auto Now staff, swing by our Wichita location. Our efficiency with loan pre-approval and experience means that our customers are often approved and out the door in no time. After buying your used vehicle, Auto Now works to set up a payment plan that works for you and offers an online payment portal. Through the portal our customers are able to set up automatic payment plans, see their transaction history as well as receive a payoff quote.

Community-centric staff

Auto Now has been in communities throughout Kansas and Missouri for over two decades. What that means for our customers is that our staff is made up of your friends, your family and your neighbors. We are not only invested in hiring members of the communities we serve, but we think every person should have access to a reliable and affordable vehicle regardless of prior credit issues or financial hiccups. Getting members of our community into vehicles is our specialty and our doors are always open to answer questions about the buy here pay here program or general car buying process.

Expansive inventory of reliable vehicles

Before a vehicle enters the used car dealership lot in Wichita it goes through a rigorous and independent inspection by a trusted mechanic. And because we stand behind our vehicles, every car comes with a 24,000 mile/ 24 month warranty to help provide our customers peace of mind that we value their business and stand behind their used car investment. Being sure to check the CarFax report as well as researching the vehicle make and model you are interested in will also help prepare you for owning that specific vehicle and what it entails in terms of general maintenance and performance costs.

The benefits and advantages of a buy here pay here dealership like the Auto Now in Wichita goes beyond the vast selection of vehicles on our lots. The car buying experience should not be one of dread and anxiety-inducing tension or unknowns. And the process should be simple. Dealerships sell multiple vehicles each day, it should be a smooth process they are familiar with so bringing unknowns or not having answers to your questions in turn is a waste of your time. With our knowledgeable staff, we are ready and able to provide you the service you need and deserve to find your next vehicle.

As a family-owned business, Auto Now has expanded over the years to include six locations throughout Kansas and Missouri. These locations include used car and buy here pay here dealerships in Kansas City, Independence, Belton, Olathe, Topeka, Wichita, and the greater Kansas City Metro area. Our vehicle selection is continuously rotating as used cars find new homes. With a process as easy as 1-2-3, your next used car is just a visit away, made easy by our in-house buy here pay here financing program. Pick up the phone or swing in for a visit to talk with an experienced member of our staff.

 
 
 
Auto Now Dealership Highlight: Our New Wichita Location  Jan 25th, 2019 

Auto Now Dealership Highlight: Our New Wichita Location

The used car dealership in Wichita, Kansas is part of the Auto Now used car network with over 500 vehicles in our inventory to choose from. As a buy here pay here dealership, we typically work with customers who have had credit issues in the past. Our used car dealership in Wichita is for someone looking for a used vehicle but may not have the credit score to get a loan through traditional lenders like banks or credit unions. Additionally, here are some of the many perks we offer at our used car dealership in Wichita:

1. Customizable online inventory search

Using our online inventory is easy and efficient. With categories and filters, our customers are able to navigate through our changing inventory of over 500 vehicles. Our online inventory search tool allows users to put in the make and model of the vehicle as well as filter the vehicles by price, fuel type, year, location, type of vehicle, and other options. Having an asset such as a customizable online inventory makes searching for that perfect used car much easier. By researching at home before visiting the used car lot in Wichita, our customers are able to align themselves with the exact make and model vehicle that will fit what they can afford as well as what is needed in their next car.

2. Reliable vehicle selection

Each of the vehicles on our used car lots throughout Missouri and Kansas have been rigorously tested by an independent mechanic. From trade-ins to auto auctions at different dealerships, our buying team has the experience to find a reliable vehicle and our inspections give us confidence we are putting the best possible cars on the lots and making them available to our customers. Each vehicle has to pass a rigorous inspection before it makes it to our car dealership lot in Wichita. If the car does not pass, it does not make it into the inventory. To go a step further and to bring our customers peace of mind during the used car buying process, Auto Now in Wichita offers a 24 month/ 24,000 mile limited warranty. Our staff is made up of friends and neighbors throughout the community and with over 20 years in the business, we know buying a pre-owned vehicle can be an expense that can also feel risky. We take all the risk out of the process by ensuring we are selling the best possible vehicle we can.

3. Tax season incentive and help

Auto Now’s used car dealership in Wichita, Kansas is offering a tax time program to get new car buyers into a used car today and worry about paying later! Finding a reliable car today does not mean you will have to wait until tax time to afford the vehicle. Waiting for a tax refund can take longer than expected while you have bills and financial obligations to take care of today. One of those obligations or necessities could be a used car in the new year. The tax season program at the Wichita Auto Now means you don’t have to wait for your refund to take advantage of any deals or to get into a car you have been waiting for. Stop by today and talk with our experienced staff.

4. Online pre-approval

Auto Now makes the car-buying process efficient before visiting the dealership with an online application to be pre-approved for financial assistance. Regardless of past credit or credit issues, all of our customers are able to apply for financing at the dealership. Knowing that you are approved for a loan to help cover the costs of a used car on the Auto Now lot in Wichita helps bring peace of mind as well as knowledge of what you can and can not afford in a vehicle. This knowledge of an approval for financial lending goes a long way to help with the research portion of the process. Buying a car is an investment and should be taken seriously, which means having as much information as possible if important.

5. A process all under one roof

At the Wichita, Kansas used car dealership, our buy here pay here benefits go beyond our large selection of vehicles at your fingertips. In-house financing allows us to offer our customers a car buying experience which resides all under one roof with one team of experienced professionals. Not only are we able to efficiently help people into their vehicle of choice, we are also able to work with customers who have experienced financial hardships as well as those who may have issues with their credit. Traditional dealerships take longer due to credit checks as well as outside, third-party lending inquiries. Each of these inquiries can leave a lasting effect on a credit with what are called ‘hard hits.’ Buying a car through our buy here pay here dealership can take as little as 30 minutes from the time a customer walks into the door to the time they drive their vehicle off the used car lot in Wichita.

Whether you are looking for a car in Kansas or Missouri, Auto Now of Wichita is ready to help however we can. We take pride in finding our customers reliable and affordable cars they love. We also think everyone deserves that characteristic in a vehicle. Over 20 years in the used car business with six locations, we have worked with people from Missouri to Kansas get into a vehicle they could afford and love to drive. Our six locations in Wichita, Belton, Olathe, 79th & Wornall, Topeka and Wichita, means being part of six communities while having one family of experienced used car professionals who work hard. At Auto Now, we sell our inspected vehicles to our friends, our family and even our staff knowing they are reliable and affordable. As a buy here pay here dealership we are able to help build a relationship and understand our customer’s needs.

 
 
 
5 Car Buying Tactics for People with Credit Issues  Jan 25th, 2019 

5 Car Buying Tactics for People with Credit Issues

No matter the investment or the occasion, having a plan helps decision making as well as navigating unexpected issues. Buying a car is no different and having a plan laid out before visiting a used car dealership is the overall best way to ensure you are getting a car you need and can afford. You can guarantee when visiting the Auto Now in Wichita, our sales team and staff will have a plan. In fact, we are always ready for the next person to stop in to search our offers and inventory of used cars throughout both Kansas and Missouri. But relying solely on a dealership’s staff is not the ideal way to enter the car buying process, regardless of credit history or type of vehicle. Having a set plan and tactic will not only help bring you peace of mind during the process, but it will help you further understand what you want versus what you need. So what are a few ways to prepare for buying a used vehicle at Auto Now in Wichita if you have credit issues?

1. Know your credit

Whether you’re heading to one of our Auto Now dealerships in Kansas or Missouri, or you are looking to purchase a used car elsewhere, knowing your credit score is one of the first steps towards purchasing a vehicle. Regardless of your credit history, knowing your credit score will help guide you to understand your options for how you will finance your next vehicle. Most dealerships rely on traditional lending through banks or credit unions which base their lending on this score, however, financing through a buy here pay here dealership like the Auto Now in Wichita is also an option if you have credit problems or low credit.

2. Know what you can afford

Your first visit to a dealership should not be the first step in the car buying process. Your first step should be to figure out a budget and know what you can afford. Knowing this and crunching numbers means you are more prepared when visiting a car dealership to know what is out of your price range and helps figure out your exact needs in a vehicle. Our Wichita buy here pay here lot has access to an inventory with over 500 used vehicles throughout Kansas and Missouri. With an almost limitless selection of vehicles, a key way to narrow down your options and arrive to the dealership prepared is to know your budget and eliminate vehicles or amenities outside that range.

3. Know your bottom line

Similarly to knowing what you can afford, knowing what you can not afford and knowing your bottom line is an important asset while visiting a used car dealership. What is your bottom line, financially, and what is your bottom line requirements in a vehicle? Do you absolutely need automatic locks or windows? Or will you accept a vehicle without ABS? Having a bottom line will help in negotiating for a better price as well as keep you within your expectations and means at a car dealership. Knowing your bottom line will also help as you navigate the nearly limitless options of vehicles and their amenities on a car lot.

4. Know your needs

Are your needs aligned with what you can afford? Have you determined a budget and done your research before visiting a used car dealership? At Auto Now in Wichita, our experienced staff is always ready to help get you into the vehicle you want and can afford. We believe everyone, regardless of credit history, should have access to a reliable vehicle. To help us guide you to the best car for you in our extensive inventory, knowing what you need in a vehicle is an important part of the car buying process and one to think about before heading on to one of our used car lots in Kansas or Missouri. One way to do this is think about what you will be using the vehicle for and what your day-to-day looks like. Do you commute to work? Do you regularly haul equipment? Write down what you discover and be sure to bring your notes when you visit.

5. Shop around and understand the benefits of a buy here pay here dealership

Traditional financing regularly comes from banks and credit unions or other third party lenders. But that financing model relies primarily on having good or near perfect credit scores, ignoring an entire population who may have experienced a financial hardship or has not had an opportunity to build their credit score. For the car buyer who does not fit this often unforgiving mold, buy here pay here financing is a way to access funding under one roof. Our Wichita dealership is one of several Auto Now used car dealerships with a buy here pay here program. Through our program, you work hand-in-hand with our team of experts to match you up with a car you can afford and one that fits your needs.

The Auto Now used car dealership based in Wichita is your trusted buy here pay here pre-owned dealer serving the greater metro-region as well as Kansas and Missouri. Regardless of your credit history or if you have had credit problems, Auto Now Wichita buy here pay here dealership is ready to help you navigate the complicated world of buying a vehicle. We believe everyone should have access to an affordable and reliable vehicle today. Our in-house financing means the 1-2-3 step process is efficient and all under one roof. Our website offers not only a way to research a vehicle within our extensive inventory of over 500 vehicles, but it also allows our customers to be pre-approved for financing before showing up to the dealership. Knowing how much you have to work with and what you can afford is an integral part in making any long term investment, especially when you are searching for your next used vehicle.

 
 
 
Why Choose Us as Your Preferred Buy Here Pay Here Dealer in Topeka  Jan 25th, 2019 

Why Choose Us as Your Preferred Buy Here Pay Here Dealer in Topeka

With nearly limitless options these days to purchase a vehicle, why choose the Auto Now in Topeka, Kansas as your buy here pay here dealership for your next used vehicle? What is buy here pay here financing anyways? Buy here pay here financing means that you are taking out a loan and making payments right here with us, where you purchased the vehicle. What this means is gone are the days of third-party lenders, or often unfavorable practices from banks and credit unions who only look at a person’s credit score to determine worth. At our buy here pay here dealerships throughout Kansas and Missouri, we want to sell you a car, so approval is often always guaranteed so long as you:

  • Are 18 years of age
  • Have a valid driver’s license
  • Make over $1200 a month

Online payment

Auto Now in Topeka, Kansas specializes in short-term loans which means customers can get their car paid for and have the title in their name as soon as possible. We have this efficient plan to keep customers away from the 60-72 month loan terms. With payments ranging from $50-100 (a week) our customers are able to use our online portal to keep up with their payments. This portal allows our customers to not only see a payoff quote and view remaining balances, but the payment portal allows customers to set up an automatic payment on the day of their choosing. Setting up such a payment is important to work with your schedule to make payments on time and consistent to increase or maintain good credit.

Online pre-approval

Once you are ready to apply for loan pre-approval, something which helps speed up the buying process, check out our simple online form. Applying for a car loan has never been easier and requires just some basic information about you and your income. Once submitted, the process being approved can take as quick as 10 minutes! There are benefits to applying online such as not having to deal with the hassle of applying through traditional lenders such as banks and credit unions. Another benefit is that your credit score is not necessarily a factor when applying for a loan through our buy here pay here program. Not only are you able to find a car in our inventory you can afford and love, but you will be building credit and your credit score as soon as you drive off the lot. Do not be intimidated, our online application process is easy and asks for basic information. It will provide you an answer and help lead you to finding the next car you can afford.

Local business

We have six locations across Kansas and Missouri, from Topeka, Wichita, 79th & Wornall, to Independence, Olathe, and Belton. Each location is made up of a staff who are from the nearby community which means working with and getting our neighbors into reliable vehicles. We are not a business with a large corporate office absent from the community. We are a family-owned business throughout these communities for over 20 years. Not only does this mean we know a thing or two about used cars, but it also means we care about the people who make up our community. Our staff knows that buying a vehicle, whether new or used, is an expense and an investment. We do not take it lightly and believe everyone should have a second chance financially.

Benefits of buy here pay here

If you have challenged credit or a history of financial issues, you will have a difficult time finding financing through a traditional lender. But all is not lost. As a buy here pay here dealership that believes everyone should have access to affordable and reliable vehicles, our financing is done by us under one roof. We do not focus on past credit issues or low credit scores and understand that past financial hardships do not determine future actions. One-time payments, whether that be weekly or monthly, can help repair your credit history as the payments are reported to the credit bureau. Furthermore, if you have an old vehicle you are looking to trade in towards a new-to-you car, we take most vehicles and pay top dollar which helps decrease your loan amount and monthly payment.

Your next used car should come from Auto Now in Topeka through our buy here pay here in-house financing program. The process is as easy as 1-2-3 and can be done by pick up the phone or swinging through to talk with one of our experienced staff members:

Visit Auto Now in Topeka or any of our other five locations to check out our inventory. See a car you like within a budget you can afford? Fill out our online loan application so we can help you get into the vehicle you love today! Our team is always here to help get you in a car of your choice today.

 
 
 
Top Used Cars to Buy in 2019  Jan 25th, 2019 

Top Used Cars to Buy in 2019

As 2019 rolls in a new year, there are new lists hitting the internet. The lists cover everything you can think of from music to movies to kitchen appliances. And lists can be a helpful asset when looking for that next new thing to try. Lists can also be limiting, especially dealing with vehicles because of the countless amenities and even model and style of any given vehicle. But for our Topeka location of Auto Now, we thought we would create a list of the top used sedans to buy on our lots based on consumer reviews.

As a used car dealership in Topeka, Kansas, Auto Now also has six locations throughout Missouri and Kansas and an inventory of over 500 vehicles. Each of the vehicles has been professionally inspected by an independent mechanic before being put on the lot. And for peace of mind for our customers, each used vehicle comes with a 24 month / 24,000 mile limited warranty. Not only that, but by purchasing your next used vehicle through Auto Now, we work hand-in-hand through the buying process and our buy here pay here financing program means that everything from start to finish is done under one roof.

With our inventory constantly changing through sales and purchases, here are some of the top used vehicles to keep an eye out for on our lot in Topeka, Kansas.

2009 Mazda3

A compact car made in Japan, the 2009 Mazda3 was first introduced in 2003. The 2009 version entered the market as the second generation and is efficient with space, exciting to drive, while being practical and having decent gas mileage. Standard on this car are eABS, Electronic Brake-force Distribution, Brake Assist, side air curtain and side-impact airbags.

2010 Kia Soul

This car is an aggressively priced vehicle that comes well equipped with a mix of function and design. It gets about 26 mpg in the city and 31 hwy, can hold up to 5 passengers and is quite spacious.

2007 Subaru Outback

With the ability to hold 5 passengers and an all wheel drivetrain, the Outback is often a favorite among people living in areas where weather, particularly snow and ice, can be a factor. It is a roomy and comfortable vehicle that is part truck part car in that it can go nearly anywhere and feels good doing it. With 22 mpg city and 28 hwy, it is also rather efficient for an all wheel vehicle.

2008 Nissan Maxima

This powerful sedan is comfortable, spacious and packs a punch of an engine. The safety features are also something to brag about which come standard and include Advanced Air Bag system with dual front airbags, front and side-impact airbags and curtain side-impact airbags for front and rear passengers. With 19 mpg city and 25 mpg hwy, did we mention traction control?

2009 Toyota Corolla

Efficient to maintain, this Toyota favorite also gets 26 mpg city and 35 mpg hwy. Holding up to 5 passengers and boasting safety features from airbags to stability control, it’s no wonder the Corolla has been a practical favorite for many years.

2009 Honda Civic

Right there with the Toyota Corolla, the Honda Civic is notorious for being an affordable, reliable and efficient car. In fact, when it hit the market decades ago, it was a game changer for other car manufacturers. The 2009 Civic received a fresh look and continually holds top position in the compact car class, standard with top-of-the-line safety features for its time and an efficient fuel consumption of 26 mpg city and 34 highway. There’s also a hybrid version.

2008 Subaru Impreza

Much like its counterpart the Outback, the Impreza is a four-door hatchback with all-wheel-drive. The handling and stability control is superior to many vehicles in the class and has great handling due to the suspension design and low center of gravity. Holding up to five passengers, the Impreza gets 20 mpg city and 27 highway.

Compare models and know what you need

The first step to buying any new or used vehicle is to know your budget. The second step is to research for yourself and figure out what you need and what is your bottom line. After determining these, you are better equipped to enter a dealership such as the Auto Now in Topeka, Kansas and begin the car buying search and process. With our extensive inventory, finding a used vehicle and financing through our buy here pay here program is more efficient that through traditional dealerships and lenders.

Buy here pay here financing is as easy as 1-2-3 and available at our six Auto Now locations throughout Kansas and Missouri. Our inventory can be browsed online, using filters to divide cars based on your specifications. Are you looking for a particular make or model, see if we have it in stock and dive further into the specific details and photographs of the vehicle.

As a regional auto finance company, we have a team of experienced people ready to help regardless of credit or financial challenges. We believe everyone deserves a reliable and affordable vehicle and sometimes that means being given a second chance. Regardless of previous credit setbacks, bankruptcies, or credit score, we are here to help through the process and hope to get you into a car you love and can afford. As part of our deal, we stand behind every vehicle on our lot and offer a 24 month / 24,000 miles warranty. Our buy here pay here financing means we do not operate with a third party and do not operate like a bank or credit union. We work with our customers to find a car they can afford and a payment plan that works with their life.

Auto Now in Topeka is ready and willing to help anyone who walks through our doors find their next car. We want people to love the car they can afford!

 
 
 
How To Get a Great Vehicle Without Breaking the Bank?  Jan 25th, 2019 

How To Get a Great Vehicle Without Breaking the Bank?

Buying a great car begins with you. Understanding your needs and your budget are the root of all car buying experiences and successes. Doing your homework and making a list is key to a successful trip to the dealership. But it should not just be about what you want in the car, say, the color of the exterior. Your research should focus on finding a car that fits your needs in terms of safety, reliability, overall ownership costs, size as well as gas mileage, to name a few. Once you narrow down the vehicle to your needs and what you can afford, searching through our inventory at the Auto Now in Olathe will be more focused. Knowing your needs helps you find the make and model vehicles that match your interest and keep you focused.

Through our buy here pay here program, Auto Now in Olathe is a car dealership who does not rely on past credit for financing. We recognize that every customer is different and every financial situation is unique, which is why we offer in-house financing. This benefit keeps everything under one roof for the customer and allows us to help people in our community find their next affordable and reliable car. But once you’ve narrowed down to the type of vehicle you are looking for, how do you find that vehicle and afford that vehicle without breaking the bank?

Trade in your old vehicle

As a quality buy here pay here dealership, Auto Now in Olathe offers the best in market pricing or top dollar for your trade-in. What this means is that getting into a pre-owned vehicle just got easier as we will give you money for your trade-in towards your new vehicle. This transaction can help with a downpayment or help to lower your monthly payments in general.

What issues do current owners have?

This is one of the best times to buy a used vehicle in history. Not only are used vehicles getting better and more reliable by the day, but access to information has never been so readily available. While researching a car, you should check reviews from current or previous owners as well as check forums to see if there is any buzz about certain vehicles having certain issues. Take it a step further and as your friends and neighbors what car they drive and what they like about it. Going to a dealership ‘blond’ these days is setting yourself up for failure in a lot of ways because preparation and planning is key in the car buying process.

Technical Service Bulletins

Before visiting one of the six Auto Now locations throughout Missouri and Kansas, such as our buy here pay here auto dealership in Olathe, doing adequate research is a key piece in the car buying process. Technical Service Bulletins, or TSB, is documentation of issues released by manufacturers to help service providers and technicians diagnose and efficiently make repairs to common problems. These service bulletins are available to the public (sometimes for a fee) -available to everyone and are often summarized and available through the National Highway Traffic Safety Administration.

Look at the condition of the car

  • Signs of damage or poorly repaired issues
  • Test drive the vehicle

Depreciation

Know that as soon as you drive a car off the lot, whether it is the buy here pay here lot in Olathe or another lot elsewhere, the value of that car instantly depreciates. However, the value of a pre-owned vehicle depreciates a lot less because new vehicles take such a depreciation hit when first driven off the lot. This hit can be upwards of 30% and even as much as 50% based on the vehicle.

Shop locally

Shopping locally does not just mean buying your produce and groceries nearby, it means shop locally wherever you are. It is no different when buying a vehicle. Auto Now has been in business in communities throughout Kansas and Missouri for over 20 years. What that means is we are a local business employing local residents of the community supplying affordable and reliable vehicles to our community. As a local, family-owned business, we help make up a small but integral role in the local economy. As a result, our experienced team is made up of people who are your friends, your neighbors and are ready to help you get into a new vehicle because we are more vested in your future and the community’s well being. Knowing your dealer in important. Knowing that the dealership has your back and does not exclusively rely on outdated credit scores or past credit issues gives peace of mind in the buying process.

At Auto Now in Olathe, our buy here pay here program means buying a used car from our lot is as easy as 1-2-3. Because our buy here pay here program is funded by Auto Now in-house, the car buying process takes place all under one roof. No longer do you have to sit for hours while dealing with third-party lenders just to get into the car you love. Our experienced team works with our customers to find a reliable vehicle among our inventory of over 500 throughout Kansas and Missouri. Starting with your budget and what you can afford, we work to narrow down to what you need in a car and do it in an efficient way to get you back out and on the road.

 
 
 
2019 Used Car Buying Guide  Jan 25th, 2019 

2019 Used Car Buying Guide

A new year means new advancements in the auto industry, but it also means those used cars have gotten older and as consumers, we have become wiser. As time passes, more reviews appear online. More time passes for car owners to experience and review and share their experiences with countless vehicles. In the end, the choice as a consumer looking to purchase a vehicle is up to you. However, doing your research before heading to an auto dealership is important. Once you are ready, our Auto Now dealership in Olathe is one of six dealerships located throughout the Kansas and Missouri area. Our dedicated and experienced staff is ready to assist you through the entire car buying process. As a buy here pay here dealership, everything from our used car inventory to financing to finalizing payment and payment schedules is done under one roof with one team. Gone are the days of traditional lenders, third party credit checks and multiple institutions to deal with after the fact.

The internet enables us as car buyers to research thoroughly and cross check facts presented to us, whether that be about a specific car or something more general. It is arguably the most valuable tool we have as a used car buyer. According to Kelley Blue Book, the 10 best used vehicles under $8,000 can often be found throughout our extensive inventory of over 500 vehicles. While you may not get all the bells and whistles of the newer model vehicles, some vehicles to keep an eye out for while doing your research and checking the Olathe Auto Now buy here pay here dealership are:

  • 2010 Kia Soul
  • 2009 Mazda3
  • 2008 Subaru Impreza
  • 2008 Nissan Maxima
  • 2007 Subaru Outback
  • 2010 Ford Crown Victoria
  • 2009 Toyota Corolla
  • 2009 Honda Civic

Know what you don’t

When buying a used vehicle, start with what you do not already know. From your monthly budget to your monthly car payments, it is important to have a firm grasp on this information because it should be the backbone to every car buying experience whether at Auto Now in Olathe or elsewhere. Once you learn about your budget, you will be able to understand your needs and what you can afford. Overextending yourself financially can lead to problems down the road that often take years to overcome. As a buy here pay here dealership with locations throughout Kansas and Missouri, our customers often come in with credit issues or financial hiccups in their past. Fortunately our staff feels that everyone deserves a reliable and affordable vehicle regardless of previous credit.

Research your options and compare models

Once you determine your budget and what you can afford, figure out what you need. Determining your body style is a matter of personal taste but it is also important to consider your day-to-day needs and how a vehicle factors in to help with those needs. Will you regularly commute long distances? Will you have passengers? Will all your passengers be able to fit in the car? Is gas mileage or safety a concern? Are there any large changes in your future regarding lifestyle or work which may require or be complimented by a certain style vehicle? Finding a vehicle at Auto Now is easy through our online inventory of over 500 vehicles ready for you to test drive. While browsing the inventory, customers are able to use filters to narrow down their focus. Additionally, each vehicle has photographs as well as additional information and details regarding the used car.

Check the CarFax report

Anytime you are buying a pre-owned vehicle, it is important to check and review the CarFax report. This report is a wealth of information regarding the vehicle in question. From number of accidents to aftermarket parts to number of services and the extent of the services, CarFax is a necessary part while buying a used vehicle in 2019.

In addition to a CarFax report, other factors to be aware of when buying a vehicle at our buy here pay here used car lot 2019 are:

  • Pre-approval information regarding financing
  • Our 24,000 / 24 month limited warranty on all vehicles purchased from our lot
  • Financial history and credit
  • Valid driver’s license
  • Must be 18 years old
  • Any information on your current vehicle should you choose to trade it in

Take a test drive and pay attention

Taking a test drive is sometimes the only way you’ll know whether you like a certain car or not. Keep notes of the drive and be sure to ask questions about things you notice. Was there a sound that happened at a certain point? Any red flags such as stalling, shaking or puttering? Take time to go through the vehicle looking at everything from top to bottom. Check under the car, under the hood and around the interior and exterior to be sure everything looks relatively flawless or there aren’t any significant issues in broad sight. While driving, some things to think about are:

  • Is it comfortable?
  • Is the car noisy on residential roads or on the highway?
  • Is there enough leg room and head room and will my passengers also think so?
  • Do I have enough cargo space for my needs?
  • How is the gas mileage?
  • Are there any annoying blind spots?

Whether you are in Kansas or Missouri, Auto Now has 6 locations to choose from to find your next used car. With over 20 years of experience, our buy here pay here program and used car dealership team continues to provide reliable and affordable transportation to members of the community and beyond. Stop in today to talk with one of our knowledgeable members of our team and let us talk about getting you into a car you love and can afford.

 
 
 
Not Sure If You Can Afford a Great Car After the Holiday Season?  Jan 25th, 2019 

Not Sure If You Can Afford a Great Car After the Holiday Season?

For many of our customers at Auto Now, the need for a new vehicle happens regardless of whether timing is ideal or not. The holidays have come and gone and many people throughout Kansas and Missouri are in need of an affordable and reliable vehicle. But with the holidays can come added expenses due to cost of presents, food, trips, or just daily bills. Our team at Auto Now in Independence knows what it feels like to be in a financial pinch because we are made up everyday people just like our customers. Our six locations means we are in the hearts of several communities in the Midwest and as a dealership with buy here pay here financing, we work with our friends and family and neighbors to help everyone access affordable and reliable vehicles.

Start with a budget

The buying process begins by determining a budget. One of the biggest mistakes made during the car buying process is to not know what you can afford before visiting a dealership to look at their inventory. With an inventory of over 500 vehicles, Auto Now has online access for our customers to view, however, as a customer, knowing your budget will help narrow down the selection to what you need and what you can afford. The primary goal of many conventional dealerships is to get you to spend money and buy a car. At Auto Now, we start the process understanding what you can afford and what you need before we even hit the used car lot. Having a budget will keep you confident and will avoid making reactionary decisions. Be sure to include additional vehicle expenses such as gas mileage and insurance costs.

New or Used

If you are visiting Auto Now, then you have already considered and hopefully decided on buying a used vehicle. From our 500 vehicles on the lot throughout Kansas and Missouri, each one has been inspected by an independent mechanic and passed. No car goes on the lot without passing the rigorous inspection. And because we value our reputation and the importance of having reliable transportation, every car comes with a 24 month / 24,000 miles warranty. Buying a used car through Auto Now in Independence also means not getting hit with the depreciation of driving a new car off the lot, one of the most significant advantages to buying a used vehicle. Furthermore, used vehicles of today are not like used vehicles of yesterday. Modern technology has made cars in general more reliable today than in the past.

What do you need in a car?

Knowing what you need in a car will help you hold strong in negotiations with a dealership as well as keep you from being distracted while searching the vast inventory. Add-ons and additional bells and whistles may seem helpful or appealing, but remember to always ask yourself if you need it and is it worth the additional costs associated. Having a budget, understanding your needs and specifics for a vehicle will help say ‘no’ in situations and avoid the flashy, impracticalities. Be sure to always ask for the price of anything additional.

Lower your payment through a downpayment or trade-in

If you have an old vehicle to trade in, Auto Now in Independence often pays top dollar for those vehicles. Another for lowering your payment is through a downpayment on the vehicle you are interested in buying. While this is not always an option, especially after the busy holidays, it is something to consider next time you are in a position you need a vehicle.

Buy Here Pay Here financing

The holidays can often be simultaneously wonderful and stressful. Maybe you just made it through and your old car you have been driving around with your fingers crossed finally turned over for the last time. Now you are out of a vehicle and are in a financial pickle. Regardless of your credit history and score, Auto Now is a buy here pay here dealership which means all of our financing is done under our roof by us. Being ingrained in the community means our staff is made up of friends and neighbors who understand that life is complex and should not be determined by a simple credit score. Buy here pay here financing is as easy as getting pre-approval for a loan and setting up payments that fit your schedule and your needs.

Sometimes we do not have the benefit of luxury vehicles or being picky about what we want in a vehicle. It is not everyday that our ideals are met. In the case of needing a vehicle, knowing what you need in that vehicle is incredibly helpful in the buying process. Having the mindset that the vehicle is a way to get you from point A to point B is also something to keep in mind when browsing dealerships with large inventories.

At the Auto Now in Independence, Missouri, our team has worked for over 20 years to serve the community by providing members with reliable and affordable transportation. In an area like Independence and beyond, there is often a large need for a vehicle for even just the everyday shopping, commuting, living.

Through our buy here pay here financing, getting approved for a loan is extremely easy. You must:

  • Be at least 18 years old
  • Hold a valid driver’s license
  • Have take home pay of at least $1200 per month

If you meet these requirements and are looking for a vehicle but do not have the best credit history, come in and talk with one of our specialists today! We are here to help guide you through the process and our staff will work with you every step of the way without involving third-party businesses or lenders. Our Independence, Missouri location is one of six throughout the state of Kansas and Missouri and serves communities from Kansas City to Wichita.

 
 
 
Don't Think a New Car is Right For You? We Can Help  Jan 25th, 2019 

Don't Think a New Car is Right For You? We Can Help

On average, a person owns upwards of 13 cars in their lifetime. That’s great news for our team at Auto Now in Independence, Missouri, but for the average person, that can seem like quite the expense. If those cars were brand new, we would be talking about a lot of money being tossed out the door due to depreciation. New cars being driven off the lot can lose upwards of 50% of their value within one minute of being driven off the dealership lot. Not to mention wear and tear after the first year of ownership and you’re talking a significant amount of money that you will never see a return on.

Forget the used car stigma

Years ago, there use to be some truth to the consequences of buying a used car. They would come broken or with continual problems. However, as time progresses so to does the technology and innovation in vehicles. In fact, cars today have never been more reliable. While all cars require maintenance, cars today are driven much further for longer before needing a scheduled maintenance.

Insurance

When you are thinking about buying a vehicle, whether new or used, there are a lot of factors to take into account besides financing. From cost of gas and gas mileage to maintenance and changing the oil every couple months or few thousand miles, owning and operating a car is an expense and an investment. Part of that expense is having car insurance. When thinking about buying a new or used vehicle, car insurance can play a significant role and have an effect on your monthly budget. When a vehicle costs less to own, it costs less to insure.

What is missing

Buying a new car has its advantages. For instance, you know exactly what the car has been through and you don’t have to track down a vehicle history report like you would a used car. There would not be any guessing games as to whether the previous owner took care of the vehicle and brought it in for regularly scheduled services or not. Another benefit of a new car is the technology in safety and amenities that won’t be seen on the used market for a few years and by that point, they could be obsolete. However, when thinking about a new car besides getting hit on depreciation, there is also a lot of information missing from the car. For instance, a new car make or model may not have the same number of resources and reviews to read because it is in fact so new there have not been many owners. In addition, it takes time to realize flaws or trending issues with a particular vehicle.

Their pain, your gain

You’re not being vindictive when you set out to buy a used car at the Independence Auto Now buy here pay here dealership. In fact, you are just being smart by not taking the initial depreciation hit on a new vehicle. Waiting until a new make or model has gone through its growing pains before making an investment is also being smart and understanding the limited resources available for such a large decision. While new technology adds a significant amount to a new vehicle, by the time it is on the market as a used vehicle, the same value is not placed on that same technology. Using our online inventory tool, customers are able to browse over 500 used cars in our inventory, using a filter to narrow down to your specific needs.

Other savings when buying used

From the price of the car and depreciation to car insurance, when buying a used car from our Independence buy here pay here Auto Now lot the savings do not just end there. A used car which costs less than a new car means that your sales tax and registration is also cheaper. In some states where registration fees can be expensive, this could be a significant savings over the life of your vehicle.

If you are in the market for a new-to-you car, remember that it does not always mean it has to be a new vehicle. In fact, more people today are buying used vehicles than ever before based on the quality of the used vehicle as well as the affordability and reliability. As a family owned dealership with over 20 years in the business, Auto Now and our 6 locations from Independence to other parts of Missouri and into Kansas, have worked with members of the community who may not have the best credit or who may have financial hardships in their past. With an inventory of over 500 vehicles and our car buying process all under one roof, we are able to help people get the car they love and can afford.

Many conventional and traditional dealerships start with customers shopping for a car they like. From there, they attempt to negotiate a price to get the customer into the car and on the road. However, at Auto Now and through our buy here pay here program, we start the buying process discussing finances first, that way we know what a customer can afford and what the needs of the customer are. By approaching it this way, it allows Auto Now to tailor the loan to the customer’s need and income, keeping the vehicle affordable. At the end of the day, the decision to purchase a vehicle either new or used is up to you, the customer. Our experienced team is ready to help and with the process under one roof, the same people help you from start to finish. From Kansas to Independence and other parts of Missouri, our team works hard to find people a reliable and affordable car they can take pride in. Come swing by our lot today to talk with our staff or apply for our loan pre-approval online.

 
 
 
We Can Get You Driving a Great Car today Regardless of Credit History  Jan 24th, 2019 

We Can Get You Driving a Great Car today Regardless of Credit History

At Auto Now in Belton, credit issues are no problem when looking to buy a car. Buying a car with credit issues is a thing of the past and exists with the limited traditional lending options such as banks and credit unions. Applying for a loan is a big step, financially, but the ability to receive funding help to purchase a car should not be limited to numbers that do not take into account the complexities of everyday life. At Auto Now, our buy here pay here program believes that everyone deserves a second chance and the ability to find a car they can both afford and is reliable. Breaking the crisis of financial uncertainty and stress can be a difficult process that requires opportunity, help and time. Knowing someone has your back goes a long way and our customers know that Auto Now has their back by working with them to provide the best possible vehicle they can afford as well as in-house financing. Our business has operated since 1996 and has grown to six locations throughout Missouri and Kansas because we have a vision to help provide people with the reliable and affordable used cars they deserve.

Financing, Guaranteed

Traditional lenders like banks and credit unions or even traditional dealerships often base financial risk on a credit score. What that means is a narrow sample of your credit history or financial history can decide whether you receive funding for a vehicle or not. In fact, if you have been financially responsible and paid for everything upfront or with cash without overextending yourself financially, when or if you ever need financial assistance to pay for a used vehicle, you will not have any credit history to go by. Do not have enough lines of credit open? Your credit score is lower than it could be. Because of the transportation infrastructure and focus in the country, having a car is almost a necessity for the everyday. In many places, public transportation is not reliable or does not suit specific needs. If lending was left up to traditional institutions, people with prior credit issues would never be able to lift themselves up and better their situation. One benefit of the Belton buy here pay here program is that you are guaranteed financing and our staff works hard to identify your vehicle needs as well as what you’re able to afford. With our in-house lending credit issues affecting your future and strict credit checks that cause hard hits on your credit score are gone.

Trade-in or downpayment, both help, neither are necessary

We not only sell cars at the Auto Now dealership, we also buy cars and accept trade ins. In fact, our trade ins are usually bought at top-dollar. The advantage of our dealership needing to sell vehicles is that we are constantly on the lookout for varieties of cars. With in-house financing in Belton, Auto Now is able to pay competitive market pricing for the trade-in. Because of our buy here pay here financing program, we are able to be more flexible with trade-in vehicles.

Get pre-approved online

Ready to stop in and get your new car on the road? Our online application is the perfect place to start. Usually taking just 10 minutes, the process will ask you several questions including your age, place of employment, and monthly salary. You will also need a valid driver’s license. Our pre-approval process is much different than traditional lenders such as banks or credit unions and takes far less time. There are not the mounds of paperwork, the often days or weeks of waiting for a letter approving or denying financing. Gone are the multiple hard inquiries which affect your credit score. The pre-approval process will save you time and also help you understand what you can afford. Knowing your budget and your bottom line is important when purchasing a vehicle and will help navigate through the nearly unlimited options of vehicles on the market. Specifically at Auto Now, it will help you narrow down your choices from our inventory of over 500 vehicles across Kansas and Missouri.

Build your credit

Once you drive off our lot in Belton, you will start rebuilding your credit and repairing any issues on your credit history. An account specialist will work with you to set up a payment plan that fits your budget and schedule, whether that be monthly or weekly. Your payments will be based on what you can afford. By working with Auto Now, you will also be able to set up automatic payments so you can essentially set it and forget it. We also offer online one-time payments.

Regardless of your credit history, if you are in the market for a used car, Auto Now is the dealership for you. Don’t have great credit? No problem. With our six locations spread across Kansas and Missouri, Auto Now’s buy here pay here program help our neighbors find affordable and reliable vehicles. Each vehicle has been thoroughly inspected by an independent and professional mechanic before it makes it to the car lot. That means a constantly rotating inventory of 500 vehicles is checked. And to give our customers peace of mind when they drive off the lot in a car they love, every vehicle comes with a 24,000 mile / 24 month warranty covering many features on the car.

Check out one of our six locations around Kansas City, Topeka, Belton, Independence, Wichita, and Olathe today!

 
 
 
Auto Now Is the Right Choice to Get You In a Great Car in the KC Area  Jan 24th, 2019 

Auto Now Is the Right Choice to Get You In a Great Car in the KC Area

Google buy here pay here car lot near me and you may have a long list of dealerships depending on your location. But if you are looking for a dealership that offers buy here pay here in Kansas City, and the Belton area, look no further. Auto Now of Belton and the greater Kansas City area is the only choice if you are in the market for a used car. Why?

  1. Our inventory of over 500 vehicles
  2. We work with you on what you can afford
  3. We want to know your needs
  4. We encourage researching and reading reviews
  5. We care about you and your car-buying expectations
  6. Auto Now will help you build your credit
  7. We’re a one-stop-shop

Auto Now has an extensive inventory

Our inventory is spread across Missouri and Kansas and is accessible online through our online platform. From this platform, you can search everything you can think of when looking for a car. From the make and model to the maximum price, photographs of the vehicle to gas mileage. The filter helps to minimize the number of options and narrow those options down to what you are specifically looking for in a vehicle.

What can you afford

Nobody really enjoys talking about expenses and budgets. There are probably a few people, but most shy away from this. However, when buying a car or pretty much at any point in life, knowing and understanding a budget is a very important aspect to functioning every day. We need to know how much money we have when we buy groceries, we should know how much money we can spend each month on a vehicle and its related expenses. Knowing what you can afford should be the first step in the buying process. Part of this step is applying for pre-approval of financing to know what you can afford.

What do you need

Once you have figured out your budget, begin to figure out your needs. If you commute to work a long distance, you will probably be in the market for a different vehicle that would be primarily used around town to haul equipment. If you are single, you probably do not need that same minivan you would if you have a large family who travels. At Auto Now, it is important to know what you are looking for and how we can help you find your best vehicle in our inventory.

We encourage research and reading reviews

First you have figured out your budget and next, your needs. Now you are all set to learn more about the vehicles within your price range and what they offer in terms of practical function, comfort, and efficiency, among others. Compare and contrast different makes and models and put them side by side. One huge benefit of buying a used vehicle at Auto Now is you are able to filter resulting through our online inventory, but you are also able to research the type of vehicle because they are not brand new. Because of this, information and reviews are readily available in various places online. That’s a great thing for buying a used vehicle. What reviews mean is there is a chance that someone else has experienced something relating to the vehicle, pros or cons, and they have decided to share it with potential owners or current owners.

We care about you and your car-buying expectations

Car buying should not take a long time, especially if you have an experienced staff member like the team at Auto Now in Belton. It should be a fast and simple process to find a vehicle that is right for you and that you can afford. Financing should be hassle-free and at Auto Now, it is. With our huge selection of high-quality vehicles, we are able to put you in the perfect car that fits your budget in no time. Not only that, but with our limited warranty, we will send you on your way and off the lot with peace of mind that your used vehicle is covered. For every vehicle we get in and put on our lot, our independent and professional mechanic screens and goes through an inspection process to be sure it is ready to sell. As a family owned business in Missouri and Kansas, our customer’s expectations and experience is vital to our operation.

We will help you build your credit

Have you had issues in the past paying your bills on time? Are you finally at a place where you are ready to move forward but lack the credit score to receive necessary financial assistance to do so? At Auto Now, we believe in second chances as well as the idea that everyone should have access to reliable and affordable transportation. By working with us and our online payment portal, you are able to set up automatic payments and come up with a payment plan that fits within your schedule. Paying off a loan for a vehicle is one way to build credit and repair damaged credit from a past financial hiccup. Working to repair your credit now will set you up for financial independence and health down the road.

One-stop-shopping

Have we mentioned that everything at Auto Now takes place under one roof? From our pre-approval and financing to our inventory to our payments throughout the life of the loan, every aspect of the car buying experience takes place under one roof and is overseen by the same experienced professional from start to finish. Our team at Auto Now in Belton works hard to keep the buy here pay here financing available to anyone and everyone in the community who may need that additional support or second chance with their finances.

Think you are in the market for a used vehicle in Kansas or Missouri? Come in today and meet with one of our team members!

 
 
 
Ring in the New Year Right With a Buy Here Pay Here Used Car  Jan 24th, 2019 

Ring in the New Year Right With a Buy Here Pay Here Used Car

Every New Year is a time to reflect on something that came before as well as something yet to come. What was last year like? What will this year and the future hold? What is our plan going forward to better ourselves? Besides making resolutions to go to the gym or eat healthy, think about your environment and how you can better your living situation. Is it finally donating those old clothes? Is it maybe time to paint that room you’ve been thinking about? Or maybe it is finally time to look into buying a used car. With a new year comes new possibilities and the 79th & Wornall Auto Now buy here pay here used car program is an opportunity to find that reliable and affordable car you have been thinking about. Over our 20 years serving the communities from Kansas to Missouri, our team at Auto Now believes everyone should have reliable and affordable transportation regardless of their credit or past financial history.

Not sure if you know when is a good time to purchase a used vehicle from Auto Now? Check out one of our previous blog posts about just that topic! Another way is to head out to your current vehicle and check under the hood, literally. There are some common telltale signs you may need a new-to-you vehicle and our buy here pay here program could be just the ticket you need for financial assistance and affordability.

Does the car run smoothly?

If you experience popping, stalling or jerking as you are driving, that is not normal and could be a sign of things to come. It can mean many things, from spark plugs to the engine’s motor, both possible signs that the end is near. If there are issues with the air intake system, your car may make popping noises or stall out. A frequently stalling vehicle is unpredictable and can be dangerous to the drivers and others.

Are there any warning lights?

Lights that frequently appear on the dashboard such as the check engine light can become extremely problematic and can be a sign that it may be time to ring in 2019 with a used vehicle from the Auto Now lot on 79th & Wornall in Kansas City, Missouri. Particularly important to pay attention to is the oil light and the check engine light. These are designated lights designed by the manufacturer to inform of possible engine trouble. These lights could be a sign of an expensive repair or the end of the vehicle.

Interior and exterior condition

From paint chipping and stains to rust, cosmetic wear and tear can lead to expensive problems to fix down the road, not to mention a devaluation of the vehicle itself. Rust, for example, can be caused and exacerbated by chemicals on the roadway during winter months or salt in the air due to proximity to the ocean. While not anywhere near a body of salt water or salt air, if you have previously bought a used car, its origin of import and previous owners could be telling of its former life. Rust is expensive and a hassle to fix. Sometimes nothing can be done and it may be time to find a new vehicle.

Leaks, noises and other visual clues

Smoke is never a good sign. Neither is fire. Leaks can be less harmful but also a huge red flag. Paying attention to your vehicle while operating it is an important factor in being a car owner. Are there noises when you turn a certain way or brake? When you leave your parking spot, so you continually notice a residue left over in your spot? Paying attention to your vehicle’s life signs are important signals whether it is running smoothly or on its way out. Leaks, for example, could be simple radiator water or something more severe such as a leaking transmission or oil. Noises are also a potential sign of bad things to come.

Auto Now on 79th & Wornall in Kansas City is one of six buy here pay here dealerships throughout Kansas and Missouri. Working within these communities, we pride ourselves on working to give people access to affordable and reliable transportation regardless of the past financial issues or low credit. Whether going to work, going to school, taking a family trip or simply driving to the store, having a reliable vehicle that you can afford is sometimes a necessary part of life and getting ahead. Not having access to that opportunity based solely on a score that does not take into account the complexities of life is detrimental to a person’s ability to succeed as well as to the community as a whole. Our in-house financing, makes that sometimes necessary second chance a reality as does our experienced staff who get their friends, families and neighbors into the reliable cars at Auto Now.

With 2018 behind us and 2019 just getting underway, it is not too late to take advantage of our online offers such as our tax time incentive or our internet discount. With a 24 month or 24,000 mile warranty, our cars have the peace of mind that you are looking for to drive off the lot on 79th & Wornall in Kansas City. In as easy as 1-2-3 your new year can be off to a new start with a used car from Auto Now. With a selection of over 500 vehicles to choose from, our staff is ready to work with you every step of the way and under the same roof. Gone are the days limited by traditional lending institutions and practices. Do not waste your entire day shopping for a vehicle you can not even drive off the lot that same day. At Auto Now, we operate an efficient business to get you approved for financial assistance, in a car you love and can afford, and off the lot in a short period of time. After all, 2019 is waiting!

 
 
 
How Does Buy Here Pay Here Work  Jan 24th, 2019 

How Does Buy Here Pay Here Work

Buy here pay here dealerships work based on extending credit to their customers purchasing a used car. At Auto Now on 79th & Wornall in Kansas City, Missouri, this means the buying process is all under one roof. While the buy here pay here programs originated sometime during the 1970s, our Auto Now dealership has six location spread through Kansas and Missouri which began over twenty years ago. During its origin in the 1970s, buy here pay here became a necessary program to help those who found it difficult to obtain a loan due to unemployment and changing economy. Buying a car is often solely based on lenders who traditionally look at a credit score to determine need. But when banks cannot loan to a customer who needs reliable and affordable transportation, there is a hole in the market and often people who are left stuck in a situation without any means to move forward.

Regulated to protect the consumer

When auto dealerships sell through a buy here pay here financing program such as the Auto Now on 79th & Wornall in Kansas City, we are heavily regulated through state and federal law. What this means is that the consumer is protected from predatory practices. Our experienced staff stays up-to-date on regulations and laws which affect not only our business and way of making a living, but also the customer’s ability to find an affordable car. Keeping ahead of the curve and knowledgeable means our staff is ready to assist you whenever you are ready to visit one of our locations throughout Missouri or Kansas. Some of the regulations set in place to protect and benefit the consumer are:

  • The Truth in Lending Act
  • State Usury laws
  • The Safeguards Rule
  • State & Federal Unfair & Deceptive Practices laws
  • The Used Car Rule
  • The Red Flags Rule

Non-traditional lending

Banks and credit unions are traditional lenders who favor credit scores almost exclusively when deciding on lending. Filled with this type of lending is the application process, especially if going through a traditional auto dealership, which can take a significant amount of time and paperwork in addition to potentially having negative effects on your credit score. Hard inquiries, as they are sometimes called, can often result in lowering your credit score. For customers who are already having credit issues, a lowering credit score is not an incentive to seek lending. Fortunately, at the Auto Now on 79th & Wornall in Kansas City, our buy here pay here lending program takes place all under one roof since we are the lenders. What that means for you is working one-on-one through the searching, lending and purchasing process on your way to owning a used vehicle from our lot.

Purchase and pay, all under the same roof

One huge advantage to our buy here pay here program is in the name- buy here, pay here. Our Auto Now dealership makes it easy and accessible for used car buyers to purchase and set up their loan payment plan all in the same place under the same roof. Instead of working with a third party for the lending, everything happens with Auto Now on 79th & Wornall in Kansas City, Missouri. Depending on your needs and affordability will depend on the frequency of your payment plan, which can be set up at our dealership and done online through our payment portal. Our staff will work with you every step of the way and ensure your payment schedule works for you and your budget.

Build your credit score

One shining advantage of a buy here pay here dealership is that through setting up regular payments, you are building back any low credit and repairing any past credit issues. Getting a loan with low credit can often be a challenge. When you are looking for a something as necessary and helpful as a vehicle, it can be nearly impossible and a barrier to moving forward in other parts of life. Purchasing a vehicle through our buy here pay here program will not solve all the problems, but it is a start in repairing any damage to a credit score and can help be a step for future investment and financial responsibility.

Loan pre-approval

Buying a car is a process. But that process should start with knowing how much you can afford rather than the kind of car you want. In fact, we highly encourage our customers to go to our pre-approval application online which will help guide to what is affordable. Knowing a budget will help establish what kind of used car you can afford and what car you need from our inventory of over 500 used cars throughout Kansas and Missouri. We work the opposite way of many traditional dealerships in that our staff wants to know what you can afford first, before looking at vehicles. Having the buy here pay here program means everything happens under one roof and our team work directly with our customers every step of the way.

Whether you are looking for a pre-owned vehicle today or thinking about purchasing a used car in Kansas City in the future, Auto Now on 79th & Wornall is ready to assist you. Not only is our extensive inventory of over 500 cars available to browse online or in person, our buy here pay here dealership program is ready to work with you to find the best financing available. Regardless of your credit history and regardless of whether you have a low credit score or not, our team of experienced employees are here to help through the entire process. Come by Auto Now on 79th & Wornall in Kansas City or visit one of our other five locations throughout  Missouri and Kansas. Having an auto dealership with everything under one roof means Auto Now is an efficient option to car buying without going through third-party lenders or dealing with piles of paperwork lasting hours.

 
 
 
Holiday Travel Tips To Keep You Safe This Season  Dec 21st, 2018 

Holiday Travel Tips To Keep You Safe This Season

Traveling around the holidays can be a mix of stress and jubilation as people take to the roads to visit friends and family. Both Thanksgiving and Christmas fall on the top ten list of most dangerous times to drive. This year, AAA is estimating that over 112.5 million people will be hitting the roads between Christmas Day and New Years, 5 million more than last season. Whether you’re staying in Topeka, Kansas or hitting the interstate, heightened awareness and safety should be a priority this time of year especially. More vehicles on the road means a statistically greater chance for an incident or accident. Our staff at the Topeka Auto Now dealership wishes you a wonderful holiday season and with it, some tips to keep you and yours safe this holiday season.

Check vehicle

You won’t be going anywhere this holiday season if your car isn’t working or has an unresolved issue that could surface. If you have the time, run it over to your preferred mechanic and ask them to go through a quick inspection. Inform them you are hitting the road and want to make sure you get to your destination safely. If you can’t get in to see your mechanic, don’t panic. You can do your own walk around of your vehicle. 

  • a. Starting with the tires, check the pressure and fill them to the correct PSI designated in the vehicle’s manual, not on the tire.
  • b. Check your fluids and be sure you have an anti-freeze windshield wiper fluid.
  • c. Check your oil and grab a bottle just in case you need to top it off.
  • d. Make sure your battery is in good working order. Batteries and cold weather don’t get along so you’ll want to make sure you have jumped cables or a charger just in case.
  • e. Lastly, take your vehicle for a spin around the block and pay attention to any noises or odd handling.

1. Plan your route

One of the funnest parts of traveling is sitting at a table with a map plotting out your route. Of course, there’s always the GPS you can plug in and follow, but where’s the fun in that? Sitting down with a map or the route on a computer will help familiarize yourself and is beneficial if the roads become chaotic and you can’t focus on the GPS. Coming up with alternative routes just in case is also a good idea and can save you time and may be less stressful of a ride.

2. Have an emergency kit in the car

It seems like nearly every year we see huge snow storms covering vehicles on highways bringing traffic to an immediate stop. Rescue missions are set up as temperatures drop. Especially if you’re traveling on the more rural stretches of road outside of Topeka, having a safety kit is essential this time of year. Planning for the worst case scenario can be a smart move. Pack a first aid kit, some food, flashlights with batteries, phone charger for your vehicle and blankets. If you get stranded somewhere waiting hours for a tow truck, you’ll be glad you did.

3. Get plenty of sleep and avoid fatigue

Sleep deprivation is a leading contributor to accidents and incidents all times of year. During the holiday season, heightened levels of stress and adrenaline can make you feel  wide awake one minute and barely able to keep your eyes open the next. Be aware of your sleep habits and try to get at least 7-9 hours of sleep the night before a big travel day.

4. Leave early

While waking up early may be hard, hitting the road early has benefits of getting through congested areas or putting on some miles while the rest of the world is still asleep. Not only that, but as the days are shorter, you’ll be driving when it’s light out and limiting time driving during the night after what could already be a long day in the car.

5. Lock your house

There’s nothing worse than being hours from home and realizing you forgot something, like locking your house. This time of year, burglary is known to spike because people are traveling. Leave a note for yourself on your car dashboard to remember to lock your house.

6. Avoid fuel hikes

Main routes and areas around busy cities tend to have a higher price for gas. These days, there are phone Apps that can tell you the rate for gas in your vicinity. Another rule of thumb is not to get off at a rest area on a major turnpike or highway and drive just a bit off your route to find cheaper gas.

7. Watch for speed traps

Not everyone is in the holiday mood this time of year. Especially if they’re working. As the busiest time of year for travel is upon us, you can bet police will be out making sure everyone is behaving.

8. Don’t drink and drive

This is just obvious. Drinking and driving not only puts you at risk, but it puts everyone around you on the road at risk. Have a plan and stick to it. If you are tempted to drink, know your limit or assign a designated driver and hand over your keys. According to the CDC, more than one million drivers were arrested for driving under the influence in 2016.

9. Have fun!

Being prepared, having a plan, and making sure your vehicle is operating smoothly and safely will help to limit stress while traveling and help you focus on what’s important during your holiday travel.

Whether you just purchased a vehicle from our used car dealership in Topeka or you’re looking to come in and speak with a member of our Auto Now team, we appreciate your business and are always here to help. As your neighbors and members of your community, our staff is dedicated to helping find a car you love and can afford. It’s not too late to get you into a vehicle before the holidays. Come in and chat with one of our experts at our Topeka dealership today and ask about our buy here pay here program.

 
 
 
Is It Time to Say Goodbye To Your Vehicle? What to Look For  Dec 21st, 2018 

Is It Time to Say Goodbye To Your Vehicle? What to Look For

Signs are everywhere when we are driving through Topeka and elsewhere. Exit signs, railroad crossings, stop signs, you name it, there’s a sign around every turn. But what are the signs that tell you when you should be considering a new vehicle from the Auto Now buy here pay here car lot in Topeka? Many of us pride ourselves in driving a vehicle until it sputters its last sputter. Beyond investments, cars become something we value and love. Cars take us to work each day or safely trek our family across the country on a trip and back. There is a comfort with our cars that transcends regular utilities like a hammer or a tea kettle. There is a comfort and connection with our vehicles that leads to many people naming them. That same comfort and connection may lead to overlooking practical solutions to problems or making poor financial decisions such as spending more on a repair than the value of the vehicle.

Auto Now and our used car dealership lot in Topeka has over 500 cars in our inventory so that when you are ready to accept the signs that your vehicle may be dying, you have a place to turn. In fact, we also have a trade in program along with a buy here pay here financing program to help our customers find a car they love and can afford. So since we’re on the topic of used cars and signs, here are a few signs it is time to come to Auto Now in Topeka and check out our pre-owned car inventory.

Check engine light

When a check engine light appears on your dashboard, it is not a warning sign to ignore. These lights have been designed by the manufacturer to inform owners of potential engine trouble. While the cause of the warning light varies, repeated illuminating lights could be a sign of things to come, including the potential for an expensive repair. Bring your vehicle to a trusted mechanic in Topeka or Kansas and be sure to get it diagnosed. If your check engine light flashes repeatedly, it could be a sign to stop driving the car immediately and call for assistance.

Too much rust

Rust is an expensive problem to fix and sometimes, not much can be done. Chemicals on the roads during winter months, salt in the air from proximity to an ocean among many other things can contribute to the start and continuation of rust on a vehicle. Beyond cosmetic damage, rust can appear under the vehicle and rot the frame, which causes great concern for safety.

Jerky starting, stopping, stalling

A jerking car can mean many things from spark plugs to the engine’s motor which are both potential end-of-life signs. Stalling and popping can be an issue with air-intake among others. Having a vehicle that stalls frequently and unpredictably is annoying but even more dangerous. If while driving, the vehicle has a more aggressive time accelerating or braking, it could mean a very serious problem with the transmission.

Smoke

Where there’s smoke, there’s fire, right? Well, not always. But when dealing with a vehicle you don’t always have to have a fire to know the car is cooked. Billowing smoke coming from the engine could be from overheating or something greater. Billowing smoke coming from anywhere else in your car is also not the greatest sign and is a signal you probably should get it checked out and avoid that cross-country road trip until you do.

Leaks

Cars require more than gas to run. If your gas is leaking, that’s an issue. If there are other leaks, those could be problematic and expensive issues as well. One common issue with older vehicles is often how much oil the vehicle consumes. That could be due to a leak, but if you’re replacing your oil or transmission fluid frequently, it could be a sign you are on the market of a new vehicle.

Cost of repair outweighs value of the car

If you have a car with over 200,000 miles on it that you have loved but needs a costly repair greater than the value of the vehicle, it may be that time to say goodbye. If your car is older and high-mileage, it may be smarter financially to sell the car for what you can get and take that money combined with what the repair cost would be and purchase a pre-owned car you can afford and love.

Noises

We’ve all experienced a backfire, whether driving the vehicle or being startled while walking down the street. Hissing, knocking and popping are just a few more sounds that could be a warning to a dying vehicle. Whether in the exhaust or taking place during the engine combustion, it could be a serious issue that should be addressed as soon as possible.

As a buy here pay here dealership in Topeka, Auto Now prides ourselves on working hard to help our neighbors, our friends and our families find the best car at a price they can afford. Cars are often the backbone of daily life bringing us to work, school, the grocery store and beyond. Through our in-house financing, we believe that everyone deserves a second chance and no on should be kept from having access to a reliable vehicle. So ditch the clunker and head over to Auto Now to find your next vehicle that will take you on adventures, to work, and just through everyday life. Our experienced team has worked for over twenty years selling used cars on our lots throughout Kansas and Missouri. With a 24 month or 24,000 mile warranty, we provide peace of mind that your new car from Auto Now won’t quickly end like your last.

 
 
 
When Does Buying a Used Vehicle Make More Sense than New?  Dec 21st, 2018 

When Does Buying a Used Vehicle Make More Sense than New?

When buying a new or used car in the Wichita metro region, you have every option under the great Kansas sun. Choices are endless as car manufacturers continue to improve on new models while older model vehicles still carry their weight. In fact, for many used vehicles on the market, there may be a point where there will never be a model that can stand up to one of the past. But so many options can be overwhelming, so how do you know what to buy and whether your next vehicle should be a new or a used vehicle? For some of our customers who walk onto our used car lot at Auto Now in Wichita, buying a new or used vehicle is a big step and can make a difference in finances now and in the future. One benefit to shopping our used car inventory in Wichita is that nearly everyone who walks through our door qualifies for financing through our buy here pay here dealership program. And to bring you peace of mind, here are a few reasons buying a used vehicle is often more beneficial in the long run than buying a new car.

Depreciation

One of the biggest disadvantages of buying a new vehicle is depreciation. As soon as you drive that beautiful machine off the lot, you lose money. And it can be a lot of money. In the first 3 years, a new vehicle takes the biggest hit. If you’re a person who drives the car into the ground, that may not matter. However, if you’re looking to have assets including resale value and equity, financially buying a new car doesn’t often make a lot of sense. A new car can lose up to 30% of its value, on average, as soon as it leaves the auto dealership lot. Imagine driving off the car dealership lot in Wichita, Kansas and throwing $3000 out the window? Some vehicles can depreciate over 50% in just a few years.

Used car financing and financial advantages

Buying a new vehicle sometimes comes hand-in-hand with traditional financing through institutions like banks or credit unions. Unfortunately, not everyone has that option due to previous credit issues or not enough of a credit history to receive a loan. Another advantage of buying a used car at a used car dealership like Auto Now in Wichita is the long term affordability as well as buy here pay here financing. If you finance through Auto Now, your credit approval is good for 30 days, that means spending the time you need to find the car you love. From Kansas to Missouri, our used car lots have been serving customers because we believe everybody deserves reliable and affordable transportation. Financing through Auto Now for your next used car is easy and can take just 10 minute. Even better is everything is done under one roof with our team of experts who handle your account every step of the process. Another benefit of buying a used vehicle are the savings on insurance and registration costs. New vehicles naturally have a higher insurance rate and annual registration costs not seen with used vehicles. At Auto Now in Wichita, we work closely with our customers to make sure their monthly payments are within their budget while finding a car that is reliable and one they love.

Competitively priced and greater inventory

Car manufacturers introduce thousands of new cars to the market each year which means in with the new and out with the old, even if that ‘old’ is new. What this means is that by finding a used vehicle just a few years old, you can often find an amazing vehicle that is nearly new and has already taken the depreciation hit. Used car dealerships like Auto Now in Wichita find reliable vehicles from new-car dealership trade-ins or bought directly from a seller. By working with full-time buyers we trust, we find the best used vehicles from across the region to add to our inventory of over 500 cars. What this means is not only do we see a constantly revolving inventory of makes and models, but we are able to price these used vehicles on our lot accordingly and competitively. Our inventory goes through a series of inspections before they are deemed sellable and lot worthy.

When shopping for a new or used car, it’s important to keep in mind your biggest asset and tool for peace of mind is doing your homework. Research the make and model of a vehicle. Figure out your budget, what you can afford and what car is within your price range. An advantage of buying a used vehicle over a new is also simply the data on the vehicle. With assets like social media and online reviews, finding information on an old model vehicle has never been easier. Not only is buying a used vehicle allowing someone else to take the depreciation hit, it’s also allowing yourself time to research and find information about a particular vehicle. A brand new model just hitting the road isn’t going to have the same long term data on user experience as a vehicle that has had time to go through the wringer. And with today’s access to information, learning all about a car is just a click away, setting you up to narrow down your selections and prepare for your test drive.

Buying a car is an exciting time and we encourage our customers to do their research to be confident about what they can afford and want in their next vehicle. Whether it is browsing our inventory, help calculating finances or looking to boost your credit through our buy here pay here financing program, our staff and team of experts at the Wichita Auto Now are always here to help. Stop in or contact us today!

 
 
 
Buy Here Pay Here Financing: Frequently Asked Questions  Dec 21st, 2018 

Buy Here Pay Here Financing: Frequently Asked Questions

From towns and cities throughout Kansas and Missouri, Auto Now is a regional financing company with dedication to putting people in reliable and affordable vehicles. Through our buy here pay here program, we are able to help customers and car buyers with credit issues from past financial hardships or financing issues regardless of credit history. Sometimes finding and affording reliable transportation comes in the form of a second chance and our team at Auto Now in Wichita is up for the challenge. We’re here to help and always welcome new customers to come and talk with one of our experts to answer any questions. Many of the questions we do see deal with details of our buy here pay here financing program so we thought we’d share a bit more about it here.

What is Auto Now?

We are a buy here, pay here dealership that is eager to help serve our community and neighbors by helping find affordable and reliable transportation. Through our warranty program and thorough inspection process on all vehicles, we offer peace of mind to customers in our six locations of Kansas City, Independence, Belton, Olathe, Topeka and right here at our used car dealership in Wichita. With over twenty years of experience in the business, we have helped thousands of residents find a vehicle regardless of credit history.

What is a buy here pay here dealership?

A buy here pay here dealership is a dealership that is both the car dealer and the financer. At many dealerships, there are often multiple parties involved. From a traditional lending institution like a bank or a credit union to additional warranty providers to the dealership itself, the process can become inefficient with too many involved. Furthermore, traditional dealerships and lenders tend to overlook customers who have low credit score or issues with their financial history, often disregarding the relationship immediately. With a used car dealership like Auto Now in Wichita, we are ideal for a customer in need of a used car but may have a difficult time obtaining adequate financing due to prior credit history or financial hardships.

How does the shopping experience differ?

As a buy here pay here dealership, we know every penny counts. Because of this, we encourage our customers to consider and research a number of factors in the car buying process. Among many, some of these include:

  • What can you afford?
  • What do you need?
  • Have you done research?
  • Have you applied for a loan?

Many traditional dealerships strongly encourage a down payment, a trade-in, or offer long-term financing. The process often starts with finding a car a customer likes, negotiating the price then making the deal. For our buy here pay here used lot in Wichita, Auto Now begins the process in reverse starting with what the customer can afford and any financial history or circumstances that may be relevant. Because of this, the primary benefit of a buy here pay here shopping experience is Auto Now becomes a one-stop-shop simplifying the process.

What’s the process like?

Did we mention Auto Now is a one-stop-shop? From the moment a customer enters the used auto lot in Wichita, our team of experts works hand-in-hand through the entire process. We first figure out what a customer can afford. This helps us narrow down the selection of available vehicles from our inventory as well as making the buying experience less overwhelming. The process allows us to learn the affordable monthly payments and customize loan terms directly instead of through a third-party. The process overall is fast and easy often taking less than 10 minutes to get approved. Before coming in, be sure you:

  • Have a valid driver’s license
  • Are at least 18 years of age
  • Make at least $1200 per month, bring in recent pay stubs.

Having access online makes the car buying experience even easier than before. On our website, you’re able to not only shop our inventory in Wichita and other locations using a filtering process to find exactly the right car for you, but you’re also able to apply for financing through our online application process. All set on finding a car you can afford? You can even make your scheduled payments online through our payment portal!

How can I trust a buy here pay here vehicle?

We can’t speak for every buy here pay here dealership, but we can speak for our inventory of over 500 vehicles across our six Auto Now locations. Many of our vehicles arrive to our Wichita used auto lot and other locations as new-car dealership trade-ins while others are bought by our trusted buyer at auto dealer auctions. We even have some traded with us for which we offer competitive trade-in prices. Regardless of where the vehicle comes to us from, each and every vehicle receives our comprehensive inspection from a local and qualified, independent auto mechanic. If a car doesn’t pass the inspections, it does not find its way onto our used car lot. We may not address all cosmetic repairs in an effort to keep the sticker price low, but the safety and mechanical functionality and concerns are always priority and addressed. To bring peace of mind to our customers, we also have a 24 month or 24,000 mile vehicle coverage on all of our vehicles.

Have more questions? Check out our page of additional frequently asked questions or swing by to visit our Wichita used car lot at 1660 S Seneca St Wichita, KS 67213 (316) 262-3000. Our staff of experienced professionals at any of our six locations throughout Missouri and Kansas are ready and eager to assist you as we have assisted countless people over the past two decades find cars they love.

 
 
 
Top 5 Types of Vehicles that Retain Their Value the Longest  Dec 21st, 2018 

Top 5 Types of Vehicles that Retain Their Value the Longest

So you’re ready for a new-to-you used vehicle? But how do you know which make and model to go with? Auto Now of Wichita has an inventory of over 500 used vehicles on their lot, not to mention the countless dealerships across the country, buying a car can seem overwhelming. Whether new or used, a car purchase is an investment and knowing the best investment will not only get you where you need to go physically, but will help you travel towards a healthy financial future. For over 20 years, Auto Now and our staff of experts has worked hard to educate our customers as well as get them into affordable and reliable vehicles. In our time selling used vehicles, we have identified five makes and models that often rise to the top of the list when talking about holding their value the longest.

From our inventory in Missouri and Kansas to beyond, we’ve come up with a list of vehicles as a good place to start during your research phase. Consider these makes and models while looking for your next used vehicle at Auto Now in Wichita. Each of the vehicles are either on our lot or continually appears as they are popular vehicles with great history and resale value. While not an extensive and definitive list, each vehicle, whether it is a truck or a sedan, has continually risen to the top of the resale and reliability lists over the years.

1. Chevrolet Silverado

Manufactured by General Motors, the Chevrolet Silverado is a full-size and often called a heavy-duty pickup truck. It was first introduced in 1998, it has gone through four generations of development winning awards from Motor Trend Magazine as truck of the year to J.D. Power quality award. In 2017, Kelly Blue Book said it held the best resale value for a full size pickup truck.

2. Toyota Tacoma

Manufactured in the United States by Toyota, the Toyota Tacoma is a mid-size pickup truck first introduced in 1995. It was Motor Trend’s truck of the year in 2005 and is sold across several countries. The third generation line began production in 2015 and continues today with a new exterior profile and offers a larger engine. The resale value holds throughout the years because of its reliability, utility features, comfort, ability to customize, and its low gas mileage in comparison to over mid-size pickups.

3. Jeep Wrangler

The Jeep Wrangler began manufacturing in 1986 by American Motors, switching corporations over the years. It’s in its fourth generation with four-wheel drive off road capabilities which progressed from the jeeps used in World War II. In 2009, Kelly Blue Book called the Jeep Wrangler the best resale value in the SUV category, also winning the title in 2012 and 2013 among other similar awards. In 2015, over 202,000 Wranglers were sold throughout the United States. The Wrangler continues to hold its value due to its timeless iconic look, reliable on and off road, balance of rugged and comfortable, and affordability.

4. Honda Odyssey

Now in its fifth generation as a successful minivan marketed by Japanese automaker Honda to the American market, the Odyssey entered the market as a smaller minivan. The vehicle has received numerous awards including Car and Driver’s “5 Best Trucks” and top minivan recognition from Consumer Reports. As a perfect vehicle for a family on the move, the Odyssey boasts safety, engine power, amenities and space that few minivans rival.

5. Honda Accord and Civic

Yes, there are two sedans on this list. While they’re not as competitive as come of the more expensive luxury sedans, the Honda Accord and the Honda Civic are continually reliable and affordable vehicles that depreciate slower than other vehicles in their class. In 2017, the cars retained 49.4% of their value for the Civic and 43.5% for the Accord after 36 months. The Civic was first introduced in 1972 while the Accord arrived on the scene 1976, both in their tenth generation of production. Known for safety, efficiency, affordability on repairs, reliability and comfort, this Honda line of sedans continually appears on awards lists year after year.

Buying a used car comes with incredible benefits, one of which is not taking the depreciation hit of purchasing a new vehicle. When you find a reliable vehicle with great resale value from our inventory of 500 vehicles, there’s peace of mind knowing you’re driving off the Wichita Auto Now used car lot with a vehicle that won’t lose value quickly and help build equity while contributing to a stable financial future. Before buying a car and visiting our dealership, we suggest customers do research to find several vehicles that interest them as well as vehicles that match their budget and are affordable. Knowing this information helps you narrow down your selection and it helps us better serve you when you’re ready for that test drive.

We’re always available at our Wichita location should you need to give a call or swing by one day. Through our buy here pay here program, our team of experts will work with you to find out what vehicle you love and can afford. Regardless of past credit issues or low credit scores, our customers come from all varieties of financial backgrounds and we work one-on-one to help get them into a reliable car. Our mission of 20 years has been to not only provide our community with reliable transportation, but also give people a second chance who may have had financial hardships in the past. Everyone’s financial experience and background is different and often times, a traditional form of lending like a bank or a credit union is not for everyone. Buying a new car is not for everyone and there are often better used cars just waiting for the right person.

 
 
 
Looking for A Buy Here Pay Here Dealer Near You? Auto Now Can Help  Dec 21st, 2018 

Looking for A Buy Here Pay Here Dealer Near You? Auto Now Can Help

Setting out to buy a pre-owned vehicle can be a daunting task these days. Not only are you inundated with information online, but there seems to be a used car dealership in Kansas on every corner. Finding someone that is reliable and you can trust to work with you every step of the way is rare. But when investing in a vehicle, a car dealership should be patient and helpful. Their staff should almost be seen as neighbors, friends and even mentors helping to guide through the car buying experience. Fortunately in Wichita, the Auto Now dealership for used vehicles is just that location. With over 20 years in the business and locations spread around Kansas and Missouri, our buy here pay here dealership program has helped countless customers find cars they love and can afford. With an inventory of over 500 vehicles and an online options from being pre-approved for a loan online to our payment portal, the car buying process continues to be convenient with Auto Now.

Our Financing Process

Applying for financing through a traditional institution like a bank or a credit union often takes time and certainly comes down to credit history and credit score. Other dealerships will dig deeper leaving what are call ‘hard inquiries’ that can have lasting effect on your credit score. At Auto Now in Wichita, we offer a pre-approval process through our online portal or by visiting our pre-owned dealership lot in Wichita. The process can take less than 10 minutes with the right information ready to go. We’ll gather some information and basic questions regarding residential status and employment information. Being a buy here pay here dealership means that the financing is controlled by our team of experts and is all done in house. What this also means is that we approve financing regardless of past financial history or credit.

Easy as 1-2-3

As a buy here pay here dealership located in Wichita, Kansas, our staff continues to work to make the car buying process more efficient. Since 1996, our business has been trusted throughout communities and customers across Kansas and Missouri because we inspect every vehicle and it comes with a warranty for peace of mind. Not only do we stand behind our community and our vehicles, but our financing is as easy as 1-2-3.

  1. You are at least 18 years old.
  2. You hold a current and valid driver’s license.
  3. You make $1200 or more each month, net of taxes.

Your approval status will remain for 30 days, so if you don’t see a car you like today, you can come back tomorrow as our inventory of over 500 vehicles is continually in flux.

Peace of Mind

Peace of mind is tough to come by when searching for a pre-owned vehicle. For many dealerships, the connection is cut as soon as the contract is signed and the car leaves the lot. For our customers, we know there is risk in purchasing a pre-owned vehicle and we know that such a purchase can be a major investment for a lot of people. Because of this, each of our cars in our extensive inventory is inspected before hitting the lots. All our pre-owned vehicles from Wichita to across Kansas and Missouri have gone through this process and come with an extended warranty. This warranty is for 24 month/ 24,000 miles to ensure we are providing our customers with reassurance that we have their back. Among other coverages, the warranty covers the engine, transmission, electrical, heating and cooling, and other major parts of the car including suspension and steering.

Working for You, Beyond the Car

While the car is the point of this process, looking beyond the car and researching to figure out what you can afford is an important step before financing through our buy here pay here program in Wichita. It is important to understand the types of lending and that traditional lending institutions often base their decisions on credit scores. If a potential car buyer has had any past financial hiccups or issues, they’re out of luck for financing a vehicle. At Auto Now in Wichita, our buy here pay here program fills that gap in the market because we believe everyone deserves a reliable vehicle and a second chance. Your future success should not be held back by financial hardships in the past. Regardless of past credit, our experienced team is here to not only get you into a car, but make the process from day one to the final payment as smooth and uncomplicated as possible. Added benefits of financing through our buy here pay here program are:

  • Helping customers with credit issues rebuild their credit score.
  • An online portal for loan application pre-approval.
  • Our payment portal online which can be used to set up automatic payments, pay online from any location with internet, view payment history, and even receive a payoff quote.

With over 20 years in the Missouri and Kansas region, we know what it means to be a member of the community and serve people through our buy here pay here program. Our customers are ones who are looking for affordable vehicles that can help them day-to-day, whether it is taking a trip to see family, commuting to work in Wichita, or picking up groceries for the family. Some of our clients have also gone through financial hardships in the past and are looking to get back on their feet and build their credit. From Topeka to our location in Wichita, our Auto Now pre-owned used car dealership has a staff that is ready to help get you in a car today and keep the process simple and efficient.

 
 
 
Best Ways To Care For Your the Vehicle You Buy at Auto Now  Dec 21st, 2018 

Best Ways To Care For Your the Vehicle You Buy at Auto Now

So you’re in the market for a used vehicle at the Auto Now dealership in Belton, Missouri. Maybe you even have had your eyes set on a few vehicles in our inventory for a while and you’re ready to talk financing through our buy here pay here program? Or maybe you’re one of our valued customers who just drove off our lot in that perfect vehicle that fits your needs and your budget? Whatever situation you’re in, it helps to have a refresher on caring for your car. Vehicles can be intimidating but fear not, we’ve created a list with ten of the best ways to care for your vehicle that you’ve purchased through Auto Now.

1. Check and change the oil

Regular oil and oil filter changes are probably one of the most important, if not the most important form of regular maintenance that you can perform on your vehicle. On the flip side, ignoring, forgetting or not caring about oil quality and oil level is one of the fastest ways to destroy your car’s engine. Depending on your car’s oil, you’ll want to change it between every 3,000-5,000 miles.

2. Check tire pressure and rotate tires

Tires can often be taken for granted when thinking about the overall operation of a car. However, when we think that the average person drives 12,000 miles each year in a variety of conditions, having those four circles of rubber operating in peak performance is key to longevity of your vehicle and your safety. Once a month, check the tire pressure with an accurate pressure gauge and make sure the reading is close to the recommended pressure from the car’s manufacturer. Secondly, rotate your tires every 5-10,000 miles. Tire rotation will insure a smooth ride, even wear, and help with gas mileage.

3. Follow suggested maintenance schedule in your car’s owner manual

If it ain’t broke, don’t fix it right? Wrong. Waiting for something to break on your car rather than maintaining your car so it operates correctly can be the difference between hundreds of dollars and thousands of dollars in repair jobs. Even worse, not maintaining your vehicle and following the suggested maintenance schedule could cause your car to stop working altogether.

4. Change air filter

Checking your air filter every 3,000-5,000 miles will help the quality of air your vehicle is taking in which in turn car improve overall performance, cooling, as well as gas mileage. An air filter acts much like our lungs and it’s important to keep them in working order. It’s suggested to replace your air filter roughly every 30,000 miles or depending on driving conditions and environment.

5. Check your brakes

If you know what you’re looking for, go for it, otherwise take your car to a shop where a professional mechanic you trust can inspect the pads, wheels, and drums. It’s important for your safety and the safety of other drivers on the road that you maintain your braking system throughout the life of your vehicle. Checking your brakes twice a year is a good rule of thumb and more so if you drive more than the average person. Replacing pads should be done roughly every 25,000 depending on driving habit. Neglecting a brake pad can lead to having to replace the rotor which can be a costly process.

6. Clean the inside and outside of your car

Seems like common sense, but washing your car and keeping a clean interior will help declutter your life and can help with stress. Not to mention, maintaining the visual aesthetic of your vehicle keep the resale value high in case you’re ever in the market for a different vehicle. One tip for the exterior is to apply wax at least every six months to maintain your vehicle’s paint. For the interior, vacuum and use a solution to help protect your interior plastic and rubber.

7. Change spark plugs every 60,000 miles

Spark plugs are essential to your vehicle. In fact, they are what make your vehicle start in the first place. An electrical spark ignites the gasoline and air mixture causing combustion to start your engine. Neglecting these can lead to poor performance and damage to your engine.

8. Signs of rust

Identifying signs of rust, especially under your car, can greatly improve the chances of taking care of it before it spreads and is too late. Salted roads in winter months can lead to rusting under the car and around the exhaust.

9. Engine fluids, belts and hoses

Over time, belts and hoses can dry out causing leaks and inefficiency in other aspects of your car. Sometimes, these leaks are noticeable through a depletion of fluids which leave traces on the ground after a car has been parked. Keep an eye out for any spots as well as any signs or warning lights from the gauges on the car’s dashboard. Furthermore, flushing the radiator, cooling system, and transmission on a regularly scheduled basis will improve car function and longevity.

10. Get regular tune-ups with a trusted mechanic

Not a car guru? That’s ok. Finding a trusted mechanic is one way to stay on top of your vehicle and any issues that may arise.

Did you know that vehicle ownership research says that on average, a vehicle today is 11.4 years old while the average length of time a driver keeps a new vehicle is just 6 years? Whether you’ll be jumping into a new car in 6 years or happily driving your recent purchase, a lot can depend on the upkeep, attention, and maintenance of the vehicle starting today. Our staff at Auto Now in Belton is always excited to talk shop, so stop in anytime if you have questions regarding the maintenance and upkeep of your car.

 
 
 
Auto Now Provides High-Quality Vehicles Regardless of Credit History  Dec 21st, 2018 

Auto Now Provides High-Quality Vehicles Regardless of Credit History

At the Auto Now used car dealership in Belton, Missouri, finding a car on our lot and financing through our buy here pay here program makes car-buying an efficient process. While most dealerships offer financing through traditional means, like third party banks, credit unions or other lenders, our team in Belton is ready to help our customers from start to finish all under one roof. What that means is speed, reliability, commitment and expertise, all from the same experienced staff through the life of the loan. We have over 500 quality vehicles on our lots that have gone through a rigorous inspection process with an independent mechanic to ensure our customers are getting a reliable vehicle they can afford.

When a team of professionals are able to spend quality time helping our customers, it is better for everyone. The approval process can take as little as 10 minutes and we help finance car-buyers regardless of credit. For over 20 years as a used car dealership in Kansas and Missouri, Auto Now understands the value of not only a reliable vehicle, but also a second chance for people who have faced financial hardships in the past. Through our financing, we start with understanding what our customers can afford and help match them to one of the pre-owned vehicles on our lot, not the other way around. Taking budget and affordability into consideration first helps to make the process more efficient and doesn’t waste the customer’s time. Regardless of credit history, we’re here to help and we have a quality used car to get you back on the road.

Our pre-owned car lot

Of over 500 vehicles to choose from, how do you know you’re getting a quality car? In order for each car to make it to the lot, they are thoroughly inspected. We could have an in-house mechanic do this, however, we send the vehicles to an impartial independent mechanic so we can get a straight evaluation on the condition of a vehicle before putting it up for sale on our used lot in Belton. A lot has changed since we began as a used auto dealership in Kansas and Missouri. Over the past twenty years, we’ve seen cars change in incredible ways through technology and engineering. Even within the past decade there has been a boom in the advancement of the car. What this means is that the old myths of used car buying are out the window. In fact, due to the quality of used vehicles today, more and more people are taking that route instead of buying a new car. Through depreciation, a new car will lose up to 30% of its value as soon as it is driven off the lot. In most cases, that is the same as buying a car, driving it 20 feet, and throwing thousands of dollars out the window to do so.

Through our Belton-based buy here, pay here dealership, buying an affordable and quality vehicle should mean having some peace of mind that you don’t end up with a clunker or a ‘lemon.’ That’s why we offer an extensive warranty program of 24 month/24,000 miles for all of the vehicles we sell from our used car lot. We know buying a car is an investment for many people and we want to make sure people are happy about their new purchase instead of having a feeling of looking over their shoulder waiting for something to break.

Regardless of credit history

Buying and paying for a new-to-you car all in one place means the process is streamlined and helps cut down on time and paperwork. Our online pre-approval process is another way to help cut down on the time you spend on the used car lot in Belton. The benefit of a process like this is that when it takes place under one roof, a number of third-party vendors are not involved to complicate things down the road. We are also able to help and build a relationship with people who may be in need for a vehicle, but traditional financing has ignored them due to past credit issues or financial hardships. Regardless of credit history, we believe everyone should have a reliable vehicle they can afford. As a buy here pay here dealership with everything under one roof, we are able to offer in house financing to car buyers who may not be able to get it elsewhere. Because of this and because of our staff made up of members of the local community, friends and family, our used car lots are spread in six locations throughout Kansas and Missouri and we’ve financed thousands of people.

When visiting our Belton Auto Now location, forget what you know about financing a used vehicle through traditional means. As a buy here pay here dealership with in-house guaranteed financing, we don’t operate like a bank or traditional lender only looking at your credit score to make a decision. We are here to help you and our staff does this through understanding what you can afford, what you need in a vehicle, all the way through to customizing a payment calendar that fits into your timeline. Bypassing the middleman with a third party lender means no hard inquiries on your credit score and your personal information isn’t being sent around to who knows where.

Our quality vehicles at Auto Now in Belton have been bought by our trusted team of buyers who search auto auctions, trade-ins and other areas to find the best cars to add to our growing and always moving inventory. Each car is backed by a warranty and inspected to be sure when it leaves our used car lot with you behind the wheel, it’s a purchase you love and have confidence in. Our team is here to help, check us out online or come in and talk with one of our experts today!

 
 
 
What You Should Be Asking To Get the Best Deal at the Used Dealership  Dec 21st, 2018 

What You Should Be Asking To Get the Best Deal at the Used Dealership

While in the market for a pre-owned car, it is important to come prepared. Preparation means doing research into what make and model cars suit your needs, what you are willing and able to spend, and where you will obtain financing. It also means being prepared with questions and the ability to negotiate or walk away from a dealership if the dealer can not provide what you are looking for. A lot of times, this negotiation can come in the form of questions to help you figure out whether or not a deal is possible and if buying the car is the best move. Whether you are visiting our Auto Now used car dealership in Independence, Missouri or looking for a deal at another dealership, go prepared with a handful of questions you would like the staff or salesperson to answer. Some ideas what to ask are:

1. Where did the car come from?

Whenever buying a pre-owned vehicle, it is important to understand where the car came from. For some used car dealerships like Auto Now in Independence, cars are bought by a trusted buyer at auto auctions.

2. Will the dealer supply a CarFax report for the used vehicle?

A CarFax report is basically the entire recorded history of the vehicle. From where it was imported and first sold often down to the oil change or regular maintenances performed. Having a CarFax report will not only help identify the age, number of owners and condition of the car, it will also let you know if there has been any recurring repairs made to a particular component or aspect of the vehicle. Buying a car without a CarFax report is essentially going into the process blind.

3. Has the dealer done any service on the vehicle?

Additionally with the CarFax report, it’s important to know if there has been any work done and the scope of the work after the car was purchased by the dealership. Sometimes it could be minimal cosmetic work to get the vehicle back up to speed and on the road. Other times, it could be extensive overhaul which could lower the value of the car below the asking price or be an issue that will resurface months later.

4. What was the result of the inspection?

Dealerships should always inspect their vehicles after acquisition. At Auto Now in Independence, all of the pre-owned vehicles on our used car lot are checked and put through a thorough inspection by an independent mechanic. With an inventory of over 500 used vehicles serving Kansas and Missouri, it is important that all our vehicles are reliable and affordable.

5. What is the benefit of buy here pay here financing?

Traditional financing often relies on third party lenders such as banks and credit unions. To obtain a loan, these establishments rely almost entirely on a credit score and near perfect credit. For people who do not necessarily fit into that very specific and often unforgiving mold, buy here pay here financing allows access to a loan through the dealership. What that also means is not only is everything done in house under one roof, but it fills the gap in the market providing people with an often much needed second chance from prior financial hardships. Our Independence dealership is one of six Auto Now used car buy here pay here dealerships across Missouri and Kansas and we believe that everyone should have access to an affordable and reliable vehicle.

6. Will you accept a trade-in?

This can be huge. Not only will a trade-in help lower your monthly payment and overall loan amount, but having a dealership take your trade-in saves you the time and headache of having to sell or get rid of your old car. It’s important to find a used car dealership that will entertain this idea.

7. What else is included in the deal?

If you’re buying a car you most likely are spending a fair amount on the investment, you might as well ask if there is anything else that can be thrown in. Even if it is a tank of gas on the dealership, it is worth asking what else is included in the deal. Sometimes there are perks that dealers hang on to until pressured into using it to close the deal. Stay strong and ask.

8. How long can I test drive the car for?

This can vary place-to-place, but some dealerships will allow an overnight test drive within a certain mileage range and pending you have insurance coverage. The benefits of this are putting the car into your context and out of the often intimidating context of the dealership lot and environment.

9. What is your cash price for the used car?

While more dealerships rely on financing, it is always worth asking what the cash price is. Nearly every time it will be a lower amount because cash is king.

10. Will you match another dealer’s price?

This can be tough and you need to be prepared for a rebuttal that all cars are not equal. However, should you find a vehicle with the exact same specifications, down to the trim and any additional accessories, asking a dealership if they will be the quote of another dealership can sometimes work out in your favor. But be prepared to give the exact specifics and maybe even the VIN number of the vehicle in question.

Wherever you go to find a used car, it is important that you go prepared and with a wealth of research. Prior research will give you the confidence as well as the background to help you find the best car for your budget and your needs. When you are ready to visit a dealership Auto Now in Independence is a perfect place to stop and check out our inventory of over 500 vehicles. Our team works hard to find reliable and affordable cars for people everyday and they’re ready to help answer any questions you have.

 
 
 
AutoNow Dealership Highlight: Independence Location  Dec 20th, 2018 

AutoNow Dealership Highlight: Independence Location

With over twenty years in the used car business in Kansas and Missouri with six locations, we have helped countless people with low credit get into a vehicle they not only could afford, but love to drive. Having locations in Independence, Belton, Olathe, 79th & Wornall, Topeka and Wichita, means being part of six communities. It also means having one giant used car dealership family who works hard to serve those communities. At Auto Now, we are not in it for the bottom dollar, we sell our thoroughly inspected vehicles to our friends, our family and even our staff knowing they are reliable and affordable. As a buy here pay here dealership like in Independence, Missouri our customers are fortunate because the process takes place all under one roof with the same team of people. What this means is we are able to help build a relationship and understand exactly what our customer’s needs are and how to meet them.

5 Benefits of shopping at Auto Now in Independence

Beyond our experienced staff, the used car dealership in Independence, Missouri is part of the Auto Now used car network with over 500 vehicles in our inventory to choose from. As a buy here pay here dealership, we typically work with customers who have had credit issues in the past. Our used car dealership in Independence is for someone looking for a used vehicle but may not have the credit score to get a loan through traditional lenders like banks or credit unions. Additionally, here are some of the many perks we offer at our used car dealership in Independence:

1. Independence tax time program

Of many locations throughout the greater Kansas City, Topeka and Wichita area, our Auto Now used car dealership in Independence, Missouri is offering a tax time program to get you into a used car today and pay later! Auto Now will let you hop into a reliable car you can afford today and we will follow up with you later. That means you don’t have to wait for your tax refund to take advantage of any deals or to get into a car you’ve been looking at for a while. Our Independence, Missouri based buy here pay here used car lot has a team that is ready to help you today and take advantage of the programs from Auto Now.

2. Online inventory with filters

Looking for a car but not quite ready to come to our Independence used car lot? Or maybe you know what car you want but you want to compare it with others on our lot? With a constantly changing inventory of over 500 vehicles, using our online inventory search tool allow you to not only put in the make and model of vehicle, you are also able to filter by price, type of vehicle, fuel type, year, location among other options. It’s a great asset to have while you search for the exact car of your needs and one that aligns with what you can afford within your budget.

3. Quality vehicles

If you’ve spent time on our website and our inventory search tool online, you will see the huge selection of quality vehicles we offer. Each vehicle has to pass a rigorous inspection before it makes it to our car dealership lot in Independence. Our team of buyers finds the cars from trade-ins to auto auctions at new and used dealerships, picking only the best for our customers. If a car doesn’t pass the inspection process, it doesn’t make the lot and we move it out.

4. Pre-approval loan application

As a buy here pay here dealership in Independence, Missouri, we make the car-buying process as easy as 1-2-3. Even better than coming into our dealership to talk with a staff is getting pre-approved for a loan through our online application. What this means is knowing what you are approved for and comparing it to what you can afford. Knowing your approval status of a loan goes a long way in researching when buying a car. It is an investment to be taken seriously with as much information as possible. The approval process requires that our customers are over 18 years of age, has a take-home pay of at least $1200 a month after taxes, and has a valid driver’s license.

5. In-house financing

At a buy here pay here car dealership, the benefits go beyond the selection of vehicles on our lots. Because we provide our customers with in-house financing, we are able to not only help people who may have had financial hardships in the past, but it allows us to make the car-buying process more direct, efficient and less of a burden on our customers. Gone are the days of sitting in a car dealership all afternoon as the salesperson runs your credit score. Each inquiry into a credit background is a hard inquiry and can have a lasting effect on your credit. Sometimes buying a car through Auto Now in Independence, Missouri can take a little as 30 minutes in the door and off the used car lot.

Whether you are looking for a car in Kansas or Missouri or beyond, Auto Now of Independence and our team is ready to help however we can. We pride ourselves in finding people reliable and affordable cars they love and think everyone deserves that characteristic in a vehicle. If you have recently bought a car from us or have come in and visited with a member of our team, we would love to hear from you so please write us and let us know how we are doing. Our online feedback form is a great place to leave us a note for our team.

 
 
 
Navigate the Winter Roads in Kansas City With A Great Vehicle From Auto Now  Dec 20th, 2018 

Navigate the Winter Roads in Kansas City With A Great Vehicle From Auto Now

Heading to the Nelson-Atkins Museum of Art or maybe taking in some shopping this winter at Crown Center? Or maybe a show at the Kauffman Center is more up your alley? Or maybe you just have to run to the store and get some groceries, navigating the winter roads in Kansas City can be treacherous at times without the right vehicle, right tires, and right knowledge of winter conditions. Ideally, you wouldn’t have to drive on a day of an ice or storm storm, but sometimes life happens and you find yourself navigating the streets to get to your destination. As we head into the winter season, it’s important to check your vehicle for any issues which may leave you stranded in the cold. It may even be a time to look at investing in a new vehicle which can handle the variable conditions of a midwest winter.

While it’s nothing like driving in the northeast for several months of below freezing temperatures mixed with Nor’Easters, the midwest is known to pack a punch. Winter tires or studded tires may not be necessary, but a reliable and functioning car with working heat is. As a buy here pay here dealership on 79th & Wornall in Kansas City, our inventory consists of over 500 vehicles. Many of these vehicles are the perfect upgrade or addition to your life this time of year if you’re in the market for a pre-owned vehicle to get you through the Kansas City streets in the winter. Here are some things to look for in a vehicle on our buy here pay here lot on 79th & Wornall in Kansas City.

Reliable

Buying a reliable pre-owned car these days can be a challenge when they seem to come a dime a dozen. However, making sure you find a dealership that not only cares for their customers but also inspects each and every vehicle is key. At Auto Now, a vehicle doesn’t make it on our used car lot at 79th & Wornall unless it has gone through a thorough inspection by an independent mechanic. Furthermore, to add to peace of mind for our customers, every car comes with a 24,000 or 24 month warranty which covers issues such as engine troubles.

Good defrost and interior options

While some vehicles with additional amenities can raise in price, finding a car with perks like heated seats or a heated steering wheel could be worth the extra cost. Or could come at no additional cost at all depending on the vehicle make and model. Navigating the Kansas City roads warmed from toes to fingers could make every winter a little easier to deal with. Another detail to be aware of are the defrost settings and the overall condition of the heat and cooling system. Checking out a record of the car’s history will help figure out if there were any issues with this system in the past.

Adequate tires and brakes

The last thing you want to do after buying a pre-owned car is to go out and spend more money on new tires. For every vehicle you purchase, be sure you check the tires and the brakes so that they’ll get your through the winter at the very least. Measuring the tread is important and will give you peace of mind while choosing the most reliable car.

All-wheel drive

While different from 4-wheel drive, all-wheel drive can be helpful for vehicles if they begin to lose traction or the front wheels need help from the rear. On many cars, the all-wheel drive doesn’t engage unless the front wheels begin to slip. Some vehicles on our lot, however, come with all-wheel drive all the time, meaning it is always engaged.

4-wheel drive option

Having the option to put a vehicle in 4-wheel drive can be a saving grace while navigating winter streets. Most trucks are known for having this option as are some SUVs. Make sure you check if your vehicle has this feature. Sometimes trucks are just two-wheel and rear wheel at that, causing issues in the snow since there’s not enough weight in the rear of the vehicle.

Anti-Lock Braking System

An ABS system on normal roadway conditions are extremely helpful and an important advancement in vehicle technology because it is a computerized system which pumps the brakes far more efficiently and faster than a person could react. On roadways with snow or ice, ABS can often help the driver stop, slow and steer more effectively.

Stability Control

While older model vehicles may not have this feature, many vehicles began seeing stability and traction control more frequently in the 90s and especially into the 2000s and today. Sensors are used to detect when wheels are spinning at different rates and a computer triggers the brakes to slow or reroute power to a wheel for more traction.

Between our six locations across Missouri and Kansas, our inventory is full of winter-ready vehicles to help you safely tackle to streets of Kansas City and beyond. As a buy here pay here dealership in Kansas City, we focus on community and helping our neighbors achieve their goals of getting into an affordable, reliable car, and one that they love. While most traditional lenders worry most about credit score, we focus on what you can afford. The experience begins with affordability as our staff works with you every step of the way throughout the car buying process. At Auto Now on 79th & Wornall, we believe that everyone regardless of past credit history, deserves a second chance and a reliable car. Come in and talk with one of our experts today.

 
 
 
What To Consider When Deciding on a Car-Buying Budget?  Dec 20th, 2018 

What To Consider When Deciding on a Car-Buying Budget?

The planning stages of any financial investment and decision are often the most critical. Planning stages when buying a used car from Auto Now on 79th & Wornall in Kansas City are no different. With every financial investment, part of the planning stage is creating a budget. Regardless of whether you are buying a new car or visiting an Auto Now used car dealership lot in Kansas City, creating a budget for what you can afford including miscellaneous car costs is an important first step. Buying a car is a big deal and a financial commitment that should not be taken lightly. Our team at Auto Now is experienced and has been working to put our customers into reliable and affordable vehicles for over 20 years.

Maybe you haven’t quite decided on purchasing a vehicle but you are entertaining the idea, creating a car-buying budget is a good first step in discovering what you can afford. But where do you start and what should you consider?

What do you make and what are your expenses?

When buying a car and figuring out your budget, the first place to start is to figure out what you can afford. To do this, we encourage our customers to figure out what their take home pay is each month and what their expenses are each month. By figuring the monthly expenses to take-home pay, we’re able to figure out how much you have to work with and how much financing you will need. While most dealerships start with the car and then talk about financing, our team at Auto Now and our used car lot on 79th & Wornall start with what you can afford and help you find a reliable vehicle that suits your needs.

How will you finance your new vehicle?

Once you’ve calculated what you can afford within your budget, another piece of the car-buying puzzle is to figure out how you will be paying for the vehicle. While most dealerships finance through third-party lenders, such as banks and credit unions, Auto Now and our buy here pay here program means we are a one-stop-shop. At our used car lots, the process stays under one roof and you work with the same team, not only putting you in a vehicle the most efficient way possible, but also building a relationship with a team you can trust who works for you.Some suggestions when coming up with a budget and accepting financing:

  • What are your initial costs?
  • Will there be a downpayment and what can you afford to put down?
  • What are the taxes?
  • State fees for licensing, registrations and title.
  • Are there dealership fees?
  • What will your monthly car payment be?
  • What about maintenance, insurance, gas, and registration renewal?

In our buy here pay here program, we make the buying process as easy as 1-2-3. Regardless of credit score or past financial history, we’ve been working to help provide our customers with auto financing and a reliable vehicle for over 20 years. Come to our used car dealership on 79th & Wornall in Kansas City and see why we have six locations throughout Missouri and Kansas with an inventory of over 500 vehicles to choose from. You can expect fast and simple process with no-hassle financing. Of our huge selection of vehicles, all come with the peace of mind of a 24 month 24,000 mile warranty and have all been professionally inspected by a third party mechanic.  Financing has never been easier with our online pre-approval application and making payments on time has never been more efficient with our online payment portal.

Some other tips to consider

There is countless information on creating a car budget online and even calculators which help figure out exactly what you can afford. While some of the information varies from site to site, dealership to dealership, or person to person, much of the advice holds true.

  • One good rule of thumb is that your monthly car payment should not exceed 15-20% of your disposable income.
  • If you’re looking to make a downpayment, try to aim for about 20% of the cost.
  • Don’t purchase a car you can not afford. This can lead to missed payments, repossession of the car or damage to your credit score.
  • Trade in your old vehicle to help lower your overall payment, thus lowering your monthly payments.
  • Figure out your total debt. You should not spend more than 36% of your gross monthly income on debt.
  • Use one of a dozen affordability or budget calculators online.
  • Don’t forget about maintenance and the cost of fuel. If you commute to work each day, calculate the mileage round trip and learn what that will cost in gas per month.

Auto Now is a family-owned business with locations throughout Kansas and Missouri including in Kansas City, Independence, Belton, Olathe, Topeka, Wichita, and the greater Kansas City Metro area. Our 6 locations hold an inventory of over 500 vehicles to choose from, continually rotating as these used cars find homes throughout Missouri and Kansas. Your next used or pre-owned vehicle is as easy as 1-2-3 with our buy here pay here in-house financing program. Pick up the phone or swing in for a visit to talk with an experienced member of our staff.

Visit Auto Now at any of our locations and check out our extensive inventory online as well as in person. See a car you like? Fill out our online loan application so we can help you get into the vehicle you love.

 
 
 
What is the Difference Between Used and Certified Pre-Owned?  Dec 20th, 2018 

What is the Difference Between Used and Certified Pre-Owned?

New, used and certified pre-owned are generally your three options when looking to buy a vehicle. But let’s say you decided you did not want to take the depreciation hit on a new vehicle and instead, you are looking for a vehicle on our Auto Now used car lot in Olathe, Kansas. You have come to the right place where our experienced staff is ready to help you through the car buying process every step of the way. In that process, we will work with you to find a car that you love and can afford, regardless of credit. As a buy here pay here dealership in Olathe, we know that everyone deserves a reliable vehicle and sometimes a second chance and we have dedicated our business to doing both. Not only that, but we love to help our customers learn more about their potential vehicles as well as the car buying process. Taking the mystery out of buying a used vehicle empowers our customers to make the best possible decision for themselves and their budgets. One mystery we will tackle is the difference between a pre-owned and a certified pre-owned vehicle.

Certified Pre-Owned

A certified pre-owned vehicle means a used vehicle that has been put through testing and inspections by the manufacturer, making sure it meets all the original requirements as if it were a new car. It is essentially a stamp of approval from the manufacturer who backs its brand. And often, the manufacturer backs its brand with a limited warranty which helps seal the deal for many car buyers because it acts to give a buyer peace of mind which goes a long way.

What are the pros and cons of a certified pre-owned car?

Pros: In general, a lot of CPO vehicles tend to be previously leased trade-ins with low mileage. What this means is they have typically been cared for and kept up to date with all major scheduled maintenances. If it was a previously leased vehicle, it may have had just one owner and its car history report is easily accessible and regularly updated with any issues or repairs. Because of this, CPO are popular with buyers who are looking to minimize the risk of buying a used car. In order for a vehicle to be certified pre-owned, it needs to be in great running condition, look great cosmetically on the inside and outside and have low mileage.

Cons: Certified pre-owned cars can be significantly more expensive than a used vehicle on our Auto Now used dealership lot in Olathe. Sometimes the price of a used vehicle can be higher than 8% of the normal price tag. But a higher price tag and manufacturer’s blessing does not always guarantee the vehicle is without potential problems down the road. In fact, there is a misconception that buying a CPO means no problems will arise for a long period of time.

Pre-Owned (non-certified)

A non-certified pre-owned vehicle is a used car. Breaking it down, there’s often not a big difference between CPO and a pre-owned besides price and inspection. However, at Auto Now in Olathe, every car on our lot is rigorously inspected by an independent mechanic. A car does not make it on our lot if we know of any major issues that could affect the vehicle. Getting the car checked by a trusted mechanic can give the same peace of mind as a certified stamp from the manufacturer.

What are the pros and cons of a certified pre-owned car?

Pros: Buying a used non-CPO vehicle means saving upwards of thousands of dollars. Consumers looking for an extended warranty through a CPO vehicle don’t always have to spend the extra money. For instance, buying a used vehicle from our Auto Now dealership in Olathe means every vehicle comes with a 24 month or 24,000 miles warranty. Not only that, but all of the vehicles in our inventory have been inspected before hitting the lot. Taking the right steps when buying a pre-owned vehicle doesn’t have to cost an arm and a leg. Purchasing a non CPO can also lend itself to being more negotiable at the dealer.

Cons: There is usually a downside to everything and unfortunately in the car buying game, the downside of buying a used vehicle is coming across the dreaded ‘lemon.’ However, there is no real way to distinguish whether it be a CPO or non-CPO vehicle if it slips through the inspection process. Buying a pre-owned vehicle through a dealership or third party you don’t trust also comes with risk.

When it comes to buying a pre-owned vehicle, it pays to find a used car dealership you can rely on and trust. At the end of the day, buying a vehicle is a big investment and knowing as much as you can about the process will help guide you to making the best decision you can and allowing you to have confidence in your purchase. At Auto Now in Olathe, we pride ourselves on helping our customers find a reliable and affordable vehicle. As a member of the community with locations spread across Kansas and Missouri, we know cars, we know people, and we enjoy both.

With an inventory of over 500 vehicles to choose from Auto Now in Olathe not only has a large selection of pre-owned vehicles, but our buy here pay here program means that the car buying process stays under one roof with people you can trust. By offering financing other than through a traditional lender like a bank or a credit union, Auto Now’s team is able to work with our customers from start to finish in the buying process. We start the process getting to know what you can afford and we work from there to get you into a car you enjoy.

Ready to find your next car today? Give us a call or swing into our Olathe buy here pay here used car dealership today.

 
 
 
Is It Possible to Go Green When Buying from a Buy Here Pay Here Dealership?  Dec 20th, 2018 

Is It Possible to Go Green When Buying from a Buy Here Pay Here Dealership?

When Auto Now began in 1996, there was not the same talk and information about the environment as there is today. Part of this greater shift is the movement to ‘Go Green’ and reduce personal carbon footprints. Automobiles have been a notorious contributor to greenhouse gases since their creation. However, as technology improves each year and as people are becoming more aware of their effects on the environment, they are starting to not just ask questions, but demand solutions. Fortunately, auto manufacturers have begun the shift to more environmentally friendly options with electric or battery powered vehicles, flex fuel options and vehicles with higher gas mileage.

But is it possible to buy a green-friendly vehicle from our Olathe used car dealership?

A green vehicle is a motor vehicle that has a less harmful impact to the environment than comparable vehicles that may be running on gasoline or diesel. While the auto manufacturers are still developing this technology for electric and hybrid vehicles, this means we don’t see the same volume of vehicles being produced and therefore hitting our inventory. However, with an inventory of over 500 vehicles, we often have a hybrid or even an electric vehicle that passes our inspection and makes its way to our buy here pay here used car lot in Olathe.

What are my Green options?

If there are not any strictly Green vehicles on our used car lot in Olathe or in our inventory at another location and you are in need of a vehicle quickly, we also offer vehicles that consume less gas. While not completely Green, every bit helps, especially if your previous vehicle was a gas guzzler. Our staff would love to help get you into a vehicle that you will love, that you can afford, and that will help reduce the overall carbon footprint affecting our Earth.

How do I find a vehicle with low MPG?

Buying a vehicle is a big investment. For many people, it means a substantial amount of time with a monthly car payment. It means budgeting and knowing what you want and what you can afford. While in this process, research is your best friend and the best thing you can do to build confidence and know exactly what you’re looking for in a car. If you’re looking for a Green car but may not find one that fits your budget or needs, check into a vehicle with low MPG by using our vehicle inventory online. Here’s how:

  • Step one: Head over to our Olathe used car inventory page where you’ll be able to see the vehicles that are currently available on our lot.
  • Step two: By browsing our inventory, you’ll be able to select the make and model of a vehicle that you may know has a lower MPG rating than another. Some manufacturers historically with these characteristics tend to be Honda, Toyota, and Hyundai. But not always! Be sure to research your vehicle in question.
  • Step three: Once you locate a vehicle, select the link on the right of the vehicle that says “View More Information.” Clicking that link will take you to another page which will not only have photographs of the interior and exterior of the vehicle, but it will have a detailed breakdown of the vehicle and its specifications.
  • Step four: After you’ve reviewed this page and the details of the car on our lot in Olathe, Kansas, find the MPG information and plug it into our MPG calculator. The calculator will use the vehicle’s MPG rating and current gas prices along with your driving habits to determine your monthly and annual fuel consumption in dollars.
  • Step five: Use this MPG calculator to compare your current or past vehicles with vehicles across the Olathe lot to help determine how you can have a lower effect on greenhouse gases and maybe even your wallet.

So what can you do?

So, maybe you can’t get that hybrid vehicle you were hoping for, but it’s not too late. Awareness and research is a great start for buying any vehicle, especially one from our buy here pay here used car lot in Olathe. Over the past decades, vehicles have been getting more efficient and the more efficient a vehicle, the fewer harmful greenhouse gases it emits into the atmosphere. Did you know that it can take over 100 years for that emissions to evaporate? On average, vehicles in the 70s had just 13 mpg compared to vehicles being produced today with an average of 25 mpg closing in on 40 mpg in the next decade. Another fun fact is that cars and trucks are 98% cleaner than they were in the 1960s! Today, car buyers have more information today for all new vehicles related to fuel economy, fuel costs, and environmental impacts due to a overhaul unveiled by the EPA and National Highway Traffic Safety Administration.

With a little research into the used cars available and by comparing cars on our Olathe used car lot, you’ll find the perfect fit for not only your everyday use and affordability, but for your everyday contribution to reducing smog and greenhouse gases. More and more, people are becoming informed and aware how the little choices we make can greatly affect our environment and climate over time. With a constantly revolving inventory and out auto buyers looking for the best vehicles to bring to our lots, chances are it is only a matter of time before the car of your dreams appear on our used lot in Olathe. Our staff of experts are ready to help regardless of your financial background or credit history. Ready to take a test drive or talk with one of us about making a move to a Greener vehicle? Come in to our used car lot in Olathe, send us a message or give us a call today!

 
 
 
Auto Now Can Get You Driving in a Great Vehicle Despite Your Credit History  Dec 5th, 2018 

Auto Now Can Get You Driving in a Great Vehicle Despite Your Credit History

Bad credit? No problem. Past credit issues? No problem. Applying for a loan is a big financial move, especially if your credit is not the best or you’ve been through recent financial hardships. Breaking the financial crisis cycle is difficult and requires time and opportunity. Helping our neighbors and understanding the idea of a second chance is why Auto Now dealership of Topeka and our buy here, pay here program offers over 500 vehicles throughout our locations for people regardless of their credit score. Most traditional lending institutions won’t spend the time to understand the person and situation, it’s simply based on a number. But for our customers, knowing someone has their back and works with them to provide financing as well as a vehicle under one roof is why we have been around since 1996 with 6 locations throughout Missouri and Kansas. Reliable transportation is a key factor in holding and keeping a job. It is also an opportunity to rebuild low or damaged credit.

Know your credit score

When you’re ready to purchase a used car from a dealership like Auto Now in Topeka, Kansas, there are several steps you should take to prepare yourself for the time at the dealership. Fortunately, going to a buy here, pay here dealer means keeping everything simple, streamlined, and efficient. Because everything is under one roof, you’re shopping for a car in the same place that is financing the car. It’s a win-win and you spend much less time than you would a traditional dealership. While a financial institution may deny you outright based on your FICO credit score, Auto Now works with potential car buyers who have credit issues. It’s important to know what your credit score is, how it’s been affected, and how to repair it moving forward, but it’s not a factor in financing with Auto Now.

Guaranteed Financing

Traditional financing lenders often assess risk based off of one number- your credit score. What can happen as a result of this narrow scope is not receiving an auto loan and in turn, not being able to afford a car. As an important aspect of many people’s lives, cars are often a necessity for a lot of people in the Kansas and Missouri region. Due to distances between locations and often limited public transportation, having a car could mean the difference between being employed or not. If traditional lenders such as banks and credit unions were the only options, people with issues in their credit history would have a difficult time purchasing a vehicle. A benefit of our buy here, pay here dealership in Topeka is you are guaranteed financing and our staff works hard to identify your vehicle needs as well as what you’re able to afford. With our in-house lending, gone are the days of past credit issues affecting your future and strict credit checks that cause hard hits on your credit score.

Consider a trade-in

As a dealership, we sell cars. We need to sell cars, that’s our business and as a family owned-business with 6 locations and experience in communities across Kansas and Missouri for over 20 years, our team is knowledgeable and capable. The advantage of dealerships needing to sell vehicles is that they’re constantly on the lookout for all varieties of cars. Because our Topeka-based Auto Now dealership has in-house financing, it means we are able to pay competitive market pricing and often top-dollar for your trade-in. Due to the buy here, pay here program and financing structure, we have more flexibility over trade-in values than most regular dealerships. What does that mean for the buyer of a used vehicle? That means you have negotiating power to get the deal you need to make the purchase you want.

Get pre-approved online

Applying for an auto loan with Auto Now dealership in Topeka is as easy as filling out a form and submitting it through our online application site. The process typically takes less than 10 minutes to see the results. All we ask is that you’re over the age of 18, you make at least $1200 a month after taxes and you have a valid driver’s license. There’s no more hassle dealing with applying through third parties or banks with loads of paperwork and multiple inquiries into your credit score. Not only will being pre-approved save you time, but it will allow you to understand what you can afford to help narrow down a selection from over 500 vehicles in our inventory throughout Missouri and Kansas. Don’t forget to save a copy for yourself and give us a call if you have any questions or need assistance.

Build your credit

After you’ve found a car you love and you’ve received your financing, there’s one final step after driving the car off our Topeka used car lot. Payments. You and your new car are driving into a bright future! It’s a new start to rebuild or repair your credit score and set a solid financial foundation to give yourself more options and opportunity. An account specialist will help set up monthly or weekly payments based on what you can afford and decide the best date to make those payments. We offer online one-time payments as well as the ability to set up automatic payments so you can set it and forget it and look forward to the road ahead.

In the market for a used car but don’t have great credit? Check out one of our six locations around Kansas City, Topeka, Belton, Independence, Wichita, and Olathe today!

 
 
 
Auto Now Makes Car Buying Simple with Our Buy Here Pay Here Experience  Dec 5th, 2018 

Auto Now Makes Car Buying Simple with Our Buy Here Pay Here Experience

Finding the perfect car is complicated. It’s not easy. It’s not smooth. It’s inefficient. It takes time and there are seemingly countless decisions and factors that create barriers or dismantle any hopes and dreams of driving off the lot in a timely manner. Or at all. What color do I choose? How much can I afford? What do I need in a car and what do I want? Can I afford what I want? Can I afford a car at all? These are all valid questions and feelings in the car buying process that is all too common, especially with traditional dealerships. But fear not! Our team at Auto Now in Belton are experienced professionals here to help and dispel any anxiety caused by the process. In fact as a buy here, pay here car dealership, we’ve changed the car buying game by keeping the process streamlined under one roof so that you can find a car you like and can afford by working with one team from start to finish.

A lot of the car buying process breaks down into two simple questions:

  1. What do you need?
  2. What do can you afford?

Being a buy here, pay here dealership throughout Kansas and Missouri means we’re in a unique position to help people who may not have the best credit, low credit, or poor credit history due to financial hardships. For many of our customers, buying a car is a daunting task but we’re here to breakdown that process and make it less intimidating. Before coming in to our Belton, Missouri car dealership, it’s important to know what you can do beforehand and what to expect from your experience.

Know your budget

By getting your finances together before you begin visiting dealerships, your car shopping experience will be more streamlined and focused. Understanding what you can afford and what you’re willing to pay will be huge when looking for a car. Not only will it help narrow a focus to a specific model or series of car, it will help to focus on your true needs rather than wants. It will also let you know if you have any wiggle room to splurge on that sunroof or the leather interior. To find the best possible deal, it’s important to have a number in your head (or on a piece of paper) when you visit the dealership. During the first part of your visit to our buy here, pay here dealership, we’ll discuss budget and figure out what you can afford and whether you qualify for our in-house financing. That way it’ll help narrow down our options.

Know what you need in a car

Knowing your budget will help you identify your needs. The frills may have to go, or maybe you can splurge a bit. But you won’t know that until you make a list of how a vehicle will contribute to your life. Are you looking for a vehicle for towing? Maybe you have a long commute to work and are looking for a fuel efficient car? Identifying your needs will help the team at Auto Now in Belton, Missouri set you up with one of our 500 cars in our inventory.

Check our inventory

After you’ve figured out your budget and narrowed down your needs, it’s time to hit the inventory of over 500 vehicles on our lots throughout Kansas and Missouri. Not only can you do this from the convenience of home, but it will help get an idea of the quality and reliable vehicles we have on our car lots. You can also come in to our Belton dealership and talk with any one of our specialists who will gladly walk you through the searching process. Checking the inventory online is also an efficient and practical way to compare various makes and models.

Apply for pre-approval

Since you’re already online, apply for pre-approval through our online financing application. Once approved, you have 30 days to purchase a vehicle through our buy here, pay here program in Belton. Forget the pages and pages of documentation needed to apply for financing, Auto Now’s online application is one page simple electronic form that asks for basic information such as name and address as well as employment information. Part of what makes the car buying experience so simple with our buy here, pay here dealerships is the one-stop-shop set up. Not only do you shop with us, you also finance through our dealership. From start to finish, you’ll be working with the same team of professionals.

Come in and let us help!

So you’ve figured out your budget and your needs. You’ve gone online to do your homework and you’ve gone through our inventory to narrow down the make and model cars you’re interested in getting a closer look at and test driving. Perfect! Maybe you’ve even applied for financing online? Even better! Now you’re ready to visit the Belton buy here, pay here dealership so our team can further assist you. In fact, anywhere along this journey is a perfect time to come in and talk with a representative. They’ll discuss your financials and help narrow down what you can afford. They’ll also help guide you to the best car for your price range and needs.

With used car dealerships throughout the Kansas and Missouri area, Auto Now is excited to serve members of the communities by finding them the most affordable and reliable vehicles on the road. Swing in for your next (or first) car purchase!

 
 
 
Our 24-Month Warranty Gives You Peace Of Mind When Buying From Auto Now  Dec 5th, 2018 

Our 24-Month Warranty Gives You Peace Of Mind When Buying From Auto Now

After researching for a car that fits your needs and one that you can afford, there’s a moment where a decision is made to see the vehicle and move forward with purchasing. If you’ve found the vehicle in the inventory at Auto Now Belton dealership, we’re ready to help through the process. However, many first-time car buyers get cold feet because it’s a big expense. Especially buying through a Buy Here, Pay Here dealership, sometimes customers don’t have the best credit and so are extra vulnerable with often large purchases. The last thing anyone wants to have happen is to buy a car that breaks down a short time after driving it off the lot.

As a family owned business in the community serving over six locations within Kansas and Missouri for the past 20 years, we understand that our reputation is as good as our word and the quality of care and customer service we provide. Because we want our customers to drive away happy and with peace of mind, we offer a generous warranty that covers 24 months or 24,000 miles from the date of sale or measured odometer reading. To better understand our peace of mind warranty let’s take a closer look:

Coverage

If still within the terms of the warranty, and after meeting the $200 deductible per visit, the repair will be arranged to affected components listed in specific coverage of the vehicle. Repairs will be made within 21 days of notification and any parts may be made with parts of a like kind and quality at the time of the breakdown. This includes any remanufactured or used parts. The Limited Warranty covers failure to a covered part as it results from normal wear and tear. This breakdown of coverage can also be found by visiting the warranty section online. Also included on the site is a list of what is not covered under our 24 month/24,000 mile warranty.

Engine

All Internal Lubricated Parts plus these non-internal lubricated parts:  intake and exhaust manifolds, factory installed supercharger/turbocharger, radiator, water pump, thermostat, fuel pump, valve covers, oil pan, dipstick and tube, lines, timing belt, timing chain/belt cover, camshaft position sensor, crankshaft position sensor, engine mounts, flywheel, ring gear, flex plate, harmonic balancer, belt tensioner and idler pulley(s), cylinder head, engine block, rotor housings.*

Transmission

All Internal Lubricated Parts plus these non-internal lubricated parts: torque converter, transmission mount(s), oil pan, dipstick and filler tube, lines, vacuum modulator.  Transmission case*.

Transfer case

All Internal Lubricated Parts plus these non-internal lubricated parts: electronic and vacuum engagement parts, four wheel drive/semi-automatic and manually operated hub assemblies. Transfer case*.

Drive axle assembly

All Internally Lubricated Parts plus the following parts: axle shafts, axle bearings, constant velocity joints and boots, universal joints, center support bearing, Final drive housing, constant velocity joints and boots, universal joints, center support bearing. Final drive housing*.

Electrical

Alternator, voltage regulator, starter motor, starter drive, starter solenoid or starter relay, wiper motor(s), power window motor/regulator, power seat motor, power mirror motor, power door lock actuator, ignition cylinder.

Steering and suspension

Steering box, rack, and pinion assembly.  power steering pump, lines, pitman arm, idler arm, radius arm, tie rod leveling sleeve, tie rods and center link, steering column shaft, shaft coupling and bearings, upper and lower control arm shafts and bushings, double wishbone assembly, upper and lower ball joints, wheel bearings, steering knuckle, torsion bars and bushings, track bar and bushings, stabilizer bar and bushings, stabilizer links, spindle and spindle support, coil springs and leaf springs, sensor and limiter valve.

Heating and cooling

Compressor clutch coil and pulley, dryer/accumulator, heater core, condenser, compressor, evaporator, lines, expansion valve, orifice, mode control cable.

Brakes

Master cylinder, vacuum assist booster, hydro-boost and accumulator, disc calipers, wheel cylinders, flexible hydraulic lines and fittings, compensation valve, load distribution valves, backing plates, self-adjusters, shift interlock, parking brake linkage, and cables.

Fluids, lubricants and filters

Covered when required in connection with the repair of the covered part.

Purchasing a used car from the Auto Now Belton dealership means not only having an efficient car buying experience under one-roof that can help repair your credit, it also means taking the worry out of the unknowns of owning a car for your first 24 months or 24,000 miles. When buying a car, it’s common to ask how likely a car is to break down. Will repairs be serious? Can I afford a breakdown and repair? As cars become increasingly filled with technology, jumping under the hood and tightening a bolt may no longer be an option. However, having that same peace of mind is possible through a warranty that is included in the sale of the vehicle, not an add on for more money. As your Belton neighborhood dealership, we take our role serving the community seriously and we’re ready to help get you into a car you both love and can afford.

To see a more detailed description of the terms in the warranty contact our Belton Auto Now dealership location or visit our warrant section online.

 
 
 
Our Buy Here Pay Here Dealership is the Perfect Choice for the Coming Holiday Season  Dec 5th, 2018 

Our Buy Here Pay Here Dealership is the Perfect Choice for the Coming Holiday Season

The team at Auto Now dealership in Olathe, Kansas wishes you and yours the best this holiday season. Since we opened our doors in 1996, the Auto Now family has set up shop in six communities across Kansas and Missouri. In that time, we’ve had countless offers and have sold countless vehicles to our friends and neighbors, many who are repeat customers. By purchasing a vehicle with us, they’ve received 24 months/24,000 mile warranties, loans and financing approved to people with credit issues, and even opportunities to rebuild their credit. Our family-owned business and staff pride ourselves in serving members of the community by providing reliable vehicles at a reasonable and affordable rate. Our Facebook page continually shares photos of the most recent happy customers and their new cars.

Between Thanksgiving and Christmas, there’s not a better time to pick up that vehicle you’ve had your eyes on for some time. Make a splash entering into 2019 with a new-to-you car from our buy here, pay here dealership. Our inventory is packed with over 500 vehicles just waiting for you and with our efficient financing and selling process, you can be out the door in off the lot in significantly less time it takes at traditional auto dealerships.

Why should you consider the buy here, pay here dealership in Olathe this holiday season?

Speed

At Auto Now, the approval process can take only 10 minutes! Following approval, your account remains active for 30 days so long as you hold your same address and employment status. With a quick process, that means no waiting in lobbies all afternoon, filing paperwork, or anxiously wondering if the car you love will be sold from under your feet. The application process at Olathe dealership is quick and effective and can even be done through our online application site. All types of credit are accepted and approval is fast. One of our expert team members is always eager to help as we’ll walk you through the process as well as help define your needs and what you can afford.

Handling

One-stop shop means our team of professionals in Olathe are able to spend quality one-on-one time with each customer through the entire process. In fact, any of our locations throughout Kansas and Missouri will assist you directly through every step of the buying process. While traditional dealerships offer you multiple options for financing- through them, through the manufacturer, through a bank or through a credit union- Auto Now is the seller and the lender, so everything stays in house. What this means is it keeps the paperwork to a minimum as well as keeps the number of people and institutions involved to a minimum. When you purchase a car through a buy here, pay here program, it’s as simple as 1-2-3.

  1. Pick out your car from over 500 in our inventory
  2. Apply for guaranteed financing through our dealership
  3. Drive off the lot making payments on a schedule you help set up

Our simple requirements for approval are to be at least 18, make at least $1200 a month and hold a valid driver’s license. If you meet these requirements, you can expect Auto Now to set you up with no-hassle financing, offer a huge selection of high-quality vehicles, peace of mind warranties, and treat you like the rest of our customers to find the best possible vehicle for your needs.

Condition

In order of our cars to make it to the lot, they are thoroughly inspected by an independent mechanic. If there was ever a time in the history of cars to buy a used car, that time is now. Cars built within the past decade have improved exponentially, knocking away those myths of buying used cars and having them break down. Through depreciation, new cars lose up to 30% of their value just driving them off the lot. What that means for you purchasing through a buy here, pay here dealership is a more affordable vehicle when it ends up in our lot. And to offer peace of mind, all our vehicles come with an extensive 24 month/24,000 miles warranty. We know a car purchase can be a big deal and we want everything to be happy and to rest assured when they leave the lot that they were taken care of.

Come check out our Olathe, Kansas location and talk with a member of the team to get started. We’re here to help with any questions and walk your through the car buying process. With 6 locations to choose from throughout Missouri and Kansas, it’s easy to find your next used vehicle. Just pick up the phone or swinging in for a visit.

Don’t hesitate to visit us at any location and before you come, check out our extensive inventory online as well as our loan application so we can better help you. or give us a call. Also, remember to check out our Facebook page for upcoming deals. We can’t wait to help you out.

 
 
 
Tired of The Traditional Dealership Experience? Consider Buy Here Pay Here  Dec 5th, 2018 

Tired of The Traditional Dealership Experience? Consider Buy Here Pay Here

Providing you a no-nonsense path forward towards car ownership is our top priority at our Auto Now dealership in Independence, Missouri. How many times have you gone to a dealership and been given the runaround? How many times have you gone in looking for a very specific car only to have the salesperson have your words go through one ear and out the other, directing you to a completely different, unaffordable vehicle? Everyone has a nightmare story from a dealership and every experience is different just as every dealership is different. For the team at Auto Now, it comes down to caring for our customers, uniquely and individually. Each person brings something fresh and exciting onto our lot. Just as each person brings their own financial backgrounds as well.

With a buy here, pay here dealership, we’re able to fast track buying a used car because all our lending and sales takes place under one roof. Gone are the long hours waiting as the salesperson plays with your credit and personal information contacting every third party lender in the area. Meanwhile, watching your car be sold out from under you.

Benefits of buy here, pay here include:

  • Buying and paying for a car all in one place, streamlining the process which saves on time and paperwork. The benefit of having a transaction like this take place in one location under one roof is that the customer and the sales team are able to know each other, work together and form a relationship. Many of our customers are repeat customers, loyal to their Auto Now professional.
  • Knowing that you’re working with more than a business. Our staff is made up of members of the local community and their customers are often their friends and their neighbors.
  • With 6 locations throughout the midwest into Missouri and Kansas, this means we’ve supplied countless vehicles to friends, neighbors and families providing them essential transportation in their daily lives.
  • Reliable vehicle that has undergone a comprehensive inspection and comes with a warranty for peace of mind. Our 24 month/24,000 mile warranty provides peace of mind that when you drive your new car off our car lot in Independence, Missouri, we will protect your investment as written in the warranty terms policy. This comes standard on all vehicles on our lot.
  • Forget the idea of traditional credit. We’re here to help and guarantee financing for a car you can afford. We’re not a bank or a credit union and we’re not like your typical car dealership just trying to reach a bottom line at any cost. Because many of our clients have seen or fallen on financial hardships, we pride ourselves in helping them recover and rebuild their credit while also supplying them with reliable transportation.
  • Online payment hub that can accept one-time or automatic payments. Our payment hub is secure, easy and convenient. It not only provides a total amount due, it also notifies you of a payoff date among other features unique to your account.
  • Customized payment calendar that fits into your schedule worked on with one of our experts.
  • Avoiding the middle-man at third party lenders or dealerships. Traditional dealerships often shop your information around, making hard inquiries into your credit which affects your credit score. If you’re already concerned about your score, such a hit could have lasting damages. We take out the middleman through in-house financing, so you’re only dealing with us.
  • Trade in your old car. We offer competitive market rates for trade-ins often offering top-dollar depending on condition, make, model and inventory.
  • And most importantly, finding a car you love to drive. We have a stake in the happiness of our clients. Not only are you making an investment in a vehicle, but we are making an investment in you and your experience. A good job means referrals and repeat customers.

Through our Buy Here, Pay Here programs, we’re able to assist customers in purchasing a vehicle regardless of credit. Banks, credit unions and other traditional lenders make their lending decisions based on a credit score and not the person. Because of this, anyone who may have fallen on hard financial times is immediately left out of the buying process or is charged interest rates which make a car next to impossible to afford. Through our dealership, customers receive auto financing regardless of credit or past financial history. In addition, by purchasing a high-quality vehicle that has been rigorously inspected by an independent mechanic, our customers have an opportunity to improve their credit score through regularly scheduled payments.

Auto Now is a family-owned business with locations throughout Kansas and Missouri including in Kansas City, Independence, Belton, Olathe, Topeka, Wichita, and KC Metro area. We’re committed to strong quality ties to the community and maintain ongoing relationships with our many satisfied customers.

 
 
 
Top 5 Reasons to Buy a Used Vehicle Over New  Dec 5th, 2018 

Top 5 Reasons to Buy a Used Vehicle Over New

Buying a car is an exciting process. Despite the stigma of the past when dealing with buying and selling used vehicles, the cars these days are not only built better, they’re lasting much longer than the cars our parents drove around or we drove around in our younger days. With Olathe’s Auto Now dealership and our easy 1-2-3 approval process, hopping into a new to you car takes less time than a traditional dealership experience because we offer everything under one roof. For instance, our financing requires that a customer is 18 years of age or older, holds a valid driver’s license and makes at least $1200 each month. There’s no other hidden criteria. Why? Because we are not a traditional lending institution basing our decision on whether you have good credit or not. We believe if you have a low credit score or a hiccup in your credit history, it shouldn’t prevent you from purchasing a vehicle, which is often a necessity for life.

But to figure out if a used vehicle is for you requires research. Fortunately, our expert team in Olathe is ready to help either over the phone or by visiting our dealership. In the meantime, we’ve put together an article highlighting 5 key reasons to think about buying a used vehicle over a new.

Take a Look at Our Top 5 Reasons to Buy Used

1. Hassle-free financing

At Auto Now, we make the application process quick and effective which means asking basic information, such as questions relating to employment. All types of credit are accepted and approval is fast. We even offer an online application if you’re curious about pre-approval during your research phase of looking for a new vehicle. Typically, the approval process takes just 10 minutes, after which it will remain active for 30 days so long as no status changes in address or employment. Because of this quick process, we are able to find the best affordable option for a car on our lot. Because many customers enjoy paying off their loans sooner rather than later, we offer short term loans. We base your low down payment on your individual circumstances and the vehicle you choose. One of our trained specialists will help you find a vehicle and payment schedule that suits your needs and budget.

2. Large selection of vehicles

Whether it’s one of the 500 cars in our inventory at Auto Now throughout Missouri and Kansas or elsewhere, buying a used vehicle often means a larger selection to choose from. Each year, roughly 350 new models of cars are released. But that number is tiny in comparison to the mass amount of used vehicles that have yet been sold. What this means is there’s an over saturation in the market leading to competitive market pricing and options making the consumer come out as the winner. Many of the cars on our lots and in our inventory online are trade-ins from dealerships. Some vehicles have also been purchased at auction and all vehicles go through a comprehensive inspection to ensure quality and reliability.

3. Depreciation

An incredibly common and accurate reason why many people prefer to buy used cars is based on depreciation. On average, a new car will lose up to 30% of its value simply by driving it off the lot. Some cars are known to depreciate upwards of 50% within just a few years of being purchased. It’s important to note that while there are benefits to buying a new car, it’s almost not worth the drop in value alone paired with the often difficult traditional financing requirements by institutional lenders.

4.Registration and Insurance

Ah yes, something we often forget when purchasing a vehicle until the deed is done. Insurance and registration costs. Putting it plainly, a used vehicle will typically cost less to insure and will also inquire less registration fees in comparison with a new vehicle. At Auto Now in Olathe, we work closely with the car buyer to be sure their monthly payment is within budget while still finding a car that suits the customer’s needs and wants. We know that sometimes a vehicle’s insurance premium can often break the deal between affordability or not. And don’t forget registration fees which appear annually and is based largely on the estimated value from the make, year and model of your car.

5.Data

Competitively priced used car dealerships like Auto Now in Olathe make finding affordable vehicles easy through our inventory and buy here, pay here program. But as a used car buyer, before visiting any dealership, it’s important to do you research. And there’s no type of vehicle with more information and data than a used vehicle. From companies to independent reviewers to everyday forums run by everyday people, finding information on a used vehicle has never been easier. While some reviews can be subjective, it’s important to note the source and understand the incentive behind reviews.

Ready to find your next used vehicle at Auto Now’s Olathe location? Use our online application. to get pre approved before visiting the lot. It’s important to keep in mind the options available to you through this process and be sure it fits within your budget. Auto Now continually works with people who are trying to rebuild their credit after credit issues and our in house financial team is here to help through our buy here, pay here program. When you’re ready, come visit us!

 
 
 
Top 5 Things to Look at When Shopping for a Used Car  Dec 5th, 2018 

Top 5 Things to Look at When Shopping for a Used Car

Car shopping can be a lot of work and stress, especially when you’re not sure what exactly you’re looking for or where to go. Fortunately, the expert team at Auto Now in Independence are professionals at navigating the car buying process. The members of our team are also members of your communities. We’re your neighbors and your friends and our customers are often friends and family. For over twenty years throughout Missouri and Kansas communities, we’re committed to helping people find cars they love and can afford while helping their credit. Whether it’s your first time purchasing a vehicle or you’re seeking to rebuild your credit through our buy here, pay here program, our Independence Auto Now vehicle dealership has a car for you.

If you’re reading this article, it probably means you’re interested in learning the benefits of buying a used vehicle. Maybe you’re on the fence between new and used or you’re looking for reassurance for the vehicle type you can afford. Educating yourself is one of the most important steps in the car buying process, whether you’re looking for a new or used vehicle. There are a few key points to check off your list when shopping for a used car.

Check the vehicle history report for:

A vehicle’s history report is like its medical record. Through sites like CarFax, you should be able to trace the car’s history back to its production location and date. Furthermore, you’ll want to keep a close eye on the line items and exactly what the entries say. Some red flags to look out for in a vehicle history report include:

1. Frequent ownership changes

If there’s frequent buying and selling activity on a vehicle within a short period of time, you’ve got to wonder why? In the industry, it’s often called a ‘hot potato’ which refers to a vehicle that could have an expensive repair issue.

2. Has it passed all its emissions testing?

If you see multiple failed emissions tests on a report, be sure to check more into the reasons behind this. Check online and research the vehicle to see if there’s a consistent problem. While some counties and locations don’t require emissions inspections, buying a vehicle with multiple failed emissions may be a greater problem than being able to register your vehicle. Additionally, it is illegal for a dealer to sell a vehicle that does not have a current emissions record.

3. Location

It’s easy to overlook, but a car that has driven and parked in a place like Independence, Missouri versus a New England coastal state is going to see slower and different wear and tear. For example, harsh winters in the northeast contribute to poor roads and salting. What that means for a vehicle that frequents those conditions is more wear and tear on the axles and under side of the vehicle including an environment for rust to form. Additionally, a vehicle that was driven near the coast will be affected by salt on the roads and in the air which can lead to faster rusting and deterioration due to corrosion if not regularly maintained and cleaned.

4. Check under the hood and regularly scheduled maintenance

Based on mileage and time, cars should be routinely and regularly brought in for preventative maintenance. If a spark plug should have been changed at 60,000 miles and the vehicle has 90,000 miles without any record of prior maintenance, be sure to ask about the discrepancy when on the lot. Checking under the hood is as important as checking the history report on the car because it will show visual and physical signs of wear and tear as well as whether the vehicle has been sitting for a while (flat spots on tires) and maintenance proof. When looking under the hood, check:

  • The oil
  • The transmission fluid
  • The tires
  • Signs of rust
  • Signs of dry rot or cracking in the hoses and belts
  • Replacement dates or aftermarket parts

5. Confirm VIN number

Checking the Vehicle Identification Number (VIN) information seems basic, but be sure not to overlook this step. It’s important to make sure the VIN matches the title information and the information found on the Carfax vehicle history report. A decoder chart will information which should match the vehicle’s records.

While there’s an extensive list of things to check when looking for a used vehicle, this list of important basics is a good start to get your thoughts flowing and establish confidence in your car buying experience. Browsing Auto Now’s dealership inventory throughout Kansas and Missouri to find the car that best suits your needs is a great way to get a leg up on the process and begin this research. Reading reviews, researching issues with vehicles as well as learning what people love about certain makes and models will only set you up for success when you visit our Independence car dealership and begin the buy here, pay here process.

Swing by our Independence, Missouri location to talk with a team of specialists who will work with you from start to finish in the used vehicle purchasing process.

 
 
 
You Can Be Sure You're Getting a Great Vehicle From Our Buy Here Pay Here Dealership  Dec 5th, 2018 

You Can Be Sure You're Getting a Great Vehicle From Our Buy Here Pay Here Dealership

Buying a used vehicle with low to no credit, in general, can be a challenge even when everything is working in your favor. But introduce another small hurdle and it can quickly become close to impossible. For instance, prior financial hardships which have affected your credit score could be the difference between receiving financing or not. Fortunately, the Buy Here, Pay Here financing program at our Auto Now Topeka dealership is just the place to visit if you have less than perfect credit. Financing is guaranteed and can be done either in person or online in a matter of minutes. Once your financing is squared away, we’ll take a look at inventory and get you into a car you love. But how do you know you’re getting a quality vehicle?

Inspection

Car owners are typically required to go through a state inspection and sometimes an emissions test each year to keep their car on the road. Similarly, some but not all dealerships go over their inventory before selling them. Beyond simply seeing if the car is running, it’s for safety. The safety of the driver and passengers, but inspections are also conducted for the safety of others on the roads. At Auto Now, all our vehicles in our inventory go through a rigorous inspection process before they see the car lot and potential buyers. We use a mechanic who is independent and thoroughly checks over each car we purchase or acquire to sell on our lots. What that means is running through a comprehensive checklist to be sure you’re getting a car that runs and won’t break down right off the lot.

Warranty

For peace of mind to our customers, we offer a 24 month/24,000 mile warranty which takes effect after meeting the $200 deductible per each visit. Repairs are typically made within 21 days of the reported issue and a like kind and quality of parts. This breakdown of coverage can be found by checking out the warranty online. Also, a list of parts below help breakdown a general view of what is covered.

Regulated to protect you

Auto dealerships, whether they sell new vehicles or are like Auto Now in Topeka, Kansas and sell through a Buy Here, Pay Here financing program, are regulated through state and federal law to protect the consumer. What that means specifically for customers at Auto Now is that we report and follow the same laws as other dealers in Kansas and Missouri. Our staff is up-to-date on the current laws and knowledge to better assist you on your search for your next vehicle. Below is a selection of these regulations:

  • State & Federal Unfair & Deceptive Practices laws
  • State Usury laws
  • The Truth in Lending Act
  • The Used Car Rule
  • The Safeguards Rule
  • The Red Flags Rule

Extensive Inventory

Our used car lots throughout Kansas and Missouri fluctuate given the season as well as the health of the economy, locally and nationally. We see a fair amount of trade-ins which come to us through customers as well as a selection of cars through auto dealer auctions. All of our cars are inspected by an independent mechanic before hitting the lot for our customers. Between our six locations in Kansas City, Independence, Belton, Olathe, Topeka and Wichita, we have between 350 and 500+ at any given time. Looking for a specific vehicle, check our online inventory!

Check the vehicle history

As a potential car buyer, you should never solely rely on the word of another, whether that’s a dealership or a well-intentioned friend. Doing your own research and investigation is key to making the best decision and coming away with a vehicle you love and are confident to drive. Doing research into buying a vehicle can include everything from online reviews, Kelly Blue Book values, comparisons with multiple similar models, and so on. But once you’ve settle on your car of choice, that specific car you just can’t stop thinking about, one of the final steps in the car-buying process is to check the Carfax vehicle history report and matching VIN number. This is a great way to ensure the car you’re buying doesn’t have any surprise problems. These vehicle history reports are summaries of the life of a vehicle including services, accidents, owners or any other issues since the time of it being manufactured. It’s a documentation of the life of a vehicle, for nearly every vehicle. It’s often so detailed it will share the port-of-entry if imported from outside the United States.

Bad credit, no credit, or an issue with your credit history does not mean you can’t get financing. It also doesn’t mean you should take what you can get and settle for anything less. While your options may be limited through traditional financial institutions and other dealerships, Auto Now in Topeka prides itself on helping everyday people rebuild their credit through purchasing a car that they enjoy and afford. Having options on the table and knowing what your options are when approaching a dealership or entering the car buying experience should be empowering. Whether it’s a warranty for peace of mind, having a seasoned professional mechanic closely inspect a vehicle, or researching your way to the best car in our inventory, car buying should be about the buyer and the buyer should be confident to not settle, even if their credit is not the best. As a car buyer, it is your time, your investment and your future.

Have more questions? Stop by our Topeka car lot or check out our Frequently Asked Questions page.

 
 
 
What It Means to Finance your Vehicle Through Auto Now  Dec 5th, 2018 

What It Means to Finance your Vehicle Through Auto Now

We’re proud to be a family-owned business with a team of dedicated professionals that have strong ties to the Kansas City, Missouri community along 79th and Wornall. We understand that things can get tough, especially financially, and we understand the importance of how a car can literally be a vehicle to a second chance. Regardless of credit, every customer who visits our dealership on 79th and Wornall is a valued customer who we work with to outfit them with a car that not only works for them financially but also a vehicle they’re proud to drive.

With six locations around Kansas and Missouri and our buy here, pay here dealership on 79th and Wornall in Kansas City, Missouri, Auto Now has been a staple auto dealership in the community for over 20 years. As technology has improved, so too has our ability to offer our customers easier access to our inventory of over 500 vehicles, the ability to make a payment online through our payment portal, be pre-approved for a loan online, as well as offer specials and program incentives.

As easy as 1-2-3

Financing with Auto Now on 79th and Wornall in Kansas City, Missouri is as easy as 1-2-3. As a buy here, pay here dealership throughout Missouri and Kansas, we work with people across the financial spectrum everyday. Applying for financing is as simple as going online and filling out a pre-approval application or coming in to our location and meeting with one of our account specialists who will walk you through the process. We have just 3 simple requirements:

  • You must be at least 18 years old
  • You must hold a current driver’s license
  • You must make $1200 or more each month, net of taxes.

That’s it! There’s nothing hidden and even if you have prior credit issues or low credit, we’re ready to work with you to get you in your next car.

Our application process

Applying for financing with Auto Now has never been easier. Whether applying through our online pre-approval or visiting our 79th and Wornall used car dealership in Kansas City, the application process can take as little as 10 minutes and doesn’t pry into personal information. Some basic questions we ask are:

  • Name
  • Address
  • Time at residence
  • Current employer and length of time employed

Many dealerships will dig deeper as well as provide third party lenders your information as they search for better financing. Financing through Auto Now means your experience starts and stops under one roof. With our dealership, gone are the days waiting hours for a car or coming back days later only to hear the vehicle you had your eyes on was sold or transferred. With that said, there is no pressure to purchase a vehicle that same day. Need some time to think about it or couldn’t find the perfect fit among our 500 vehicle inventory? After you’re approved for financing, the approval status will remain for 30 days so long as there are no major changes within your employment status. We want our customers to have the best car-buying experience to become loyal customers for the future.

Being in business since 1996 means we’re committed to the greater Missouri and Kansas communities to provide our friends and neighbors with the most reliable vehicles possible. Financing through our dealerships means purchasing a car that we stand by and guarantee. To give you that extra peace of mind, we have a warranty of 24 months and up to 24,000 miles. If it’s covered, we’ll fix it!

Receive auto financing, regardless of credit or past financial history

Traditional lending institutions such as banks and credit unions base their lending decisions on credit scores. What that means for someone with low credit or a history of credit issues is that financing a car can be next to impossible. This is where our buy here, pay here program comes in because we believe everyone deserves a second chance and not having a vehicle can be a burden on everyday life and employment. Regardless of past credit, our team is ready to work to find an affordable vehicle that fits your needs.

Opportunity to improve credit score

Once you’re approved for financing and you’ve picked out a vehicle, we’ll set up a payment plan that you can afford. Making monthly or weekly payments on time will help boost your credit over time and begin building or repairing that score to set you up for a solid financial foundation in the future.

High quality vehicles at buy here pay here dealerships

Not only do we have over 500 vehicles in our inventory across Missouri and Kansas, but each of our cars have been thoroughly inspected by mechanics to ensure our customers are getting the most reliable vehicles possible.

Our trained specialists will work with you to find your vehicle as well as develop a payment plan and schedule that meets your budget and needs. Many of our customers prefer to pay off their loan as quickly as possible and our short-term loan program can help do just that. Whether weekly or monthly payments work best, we work hard to provide the best plan and ease of payment to our customers. Paying is as easy as signing in to our payment portal online or visiting one of our dealerships like the car lot on 79th and Wornall in Kansas City.

Auto Now is a family-owned business with locations throughout Kansas and Missouri including in Kansas City, Independence, Belton, Olathe, Topeka, Wichita, and KC Metro area. We’re committed to strong quality ties to the community and maintain ongoing relationships with our many satisfied customers.

 
 
 
Choosing A Dealership Can Be Tricky: Here's Why You Should Go With Buy Here Pay Here  Dec 5th, 2018 

Choosing A Dealership Can Be Tricky: Here's Why You Should Go With Buy Here Pay Here

A buy here, pay here lots like our Auto Now dealership on 79th and Wornall in Kansas City are beneficial to customers looking to buy a car but may not have the best credit. With traditional lending institutions like banks and credit unions, a credit score can make or break the chances of auto financing. Furthermore, going through third-party lenders can often extend the car buying process beyond an afternoon. Traditionally, car buying takes hours, sometimes even days from first walking on the lot to driving away with a vehicle. At buy here, pay here dealerships like Auto Now, we approve customers for a car loan in sometimes as little as 10 minutes! There are dozens of benefits to shopping for a car at Auto Now on 79th and Wornall including our peace of mind warranty, in-house processing from start to finish, our trained specialists to help set up payment plans that work to help customers with low credit, convenient online payment and did we mention we’re a local, family-owned business.

Warranty

Our 24 month/ 24,000 mile warranty means peace of mind for our customers buying a used car through our buy here, pay here dealership program. Not only are our cars all inspected before they join the inventory of over 500 used vehicles throughout Kansas and Missouri, but we provide a comprehensive warranty package with any purchase of a vehicle so our customers feel confident in their purchase driving off the lot. As long as it’s in the warranty, it’s covered. A few highlights are:

  • Engine
  • Transmission
  • Electrical
  • Heating and cooling
  • Suspension and steering
  • Brakes
  • Drive axle assembly
  • Transfer case
  • Fluids, lubricants, and filters

In-house process from start to finish

A key benefit to buying a used car through a buy here, pay here car lot is that everything from car shopping to financing to payments are done under one roof. For Auto Now, our family-owned business and team of experts have worked throughout communities across Kansas and Missouri establishing relationships and loyal customers for over 20 years. Having a buying process as easy as 1-2-3 under one roof means working with the same team throughout the process. It also means being approved for financing and driving off the lot with a vehicle typically happens quickly.

Help customers with credit issues or low credit

As a business in the community, we know mistakes happen and we also know sometimes things happen beyond our control. When dealing with financial hardships, not having a car can mean the difference between pulling out of the tough time or sinking further into the cycle. Because of this, a customer’s credit does not determine whether they receive financial, like at other lending institutions. Our financing comes from in-house and customers with low credit, no credit, or credit issues in their history will work with a member of our team through the process. We help customers find a car in our inventory of over 500 vehicles that fits their budget, their needs, as well as set them up with a payment plan and schedule which fits best.

Locally owned and operated

Twenty years in Kansas and Missouri means we know our community and our customers. We know cars, too! Our customers are looking for reliable used cars and affordable monthly payments to help with their daily needs as well as build credit for their long-term financial foundation. From our location on 79th and Wornall in Kansas City, Missouri to Topeka and Wichita, and online, we pride ourselves in helping people find the car they need regardless of credit. We’ve set up a process through optional online pre-approval and an efficient team of specialists to have our customers in and out the door with an affordable financed car in less time than most traditional dealerships.

Convenient online payment

Once our buy here, pay here dealership team has set up a customer with a payment schedule that works for them, payments can be made online through our payment portal. This secured site makes it easy to register and set up an account. Through that account, customers can:

  • Make a one-time payment
  • Set up automatic payments so you never miss a scheduled payment
  • Receive confirmation emails of payments
  • Print receipts
  • View history of payments made including the date and amount paid
  • Get a payoff quote

Setting up an automatic payment allows recurring payments to take place on a specified date of your choosing so customers can set it and forget it. Payments are able to be made through checking, savings, or credit card. What’s better is there is a payoff quote, payoff time, and total due balance to help keep customers on track.

Shopping for a car can be a hassle. With countless dealerships across the country, not just in Kansas and Missouri, how do you know where to go? More importantly, how do you know who you can trust to set you up with a reliable vehicle? At Auto Now, being a family-owned business in the community means our staff is made up of your neighbors and friends. Our repeat customers return because our car buying experience is not only about having a one-stop-shop, but also building a relationship because we care about what we do and have pride seeing people driving away with a car they love and can afford. And just so we know how we’re doing, we have an online customer survey we encourage everyone to complete following their experience with Auto Now.

Looking for that first used car or that next car? Swing into our location on 79th and Wornall or one of our 6 locations throughout Missouri and Kansas and let our team help!

 
 
 
How To Decide If You Should Buy a New or Used Car  Dec 5th, 2018 

How To Decide If You Should Buy a New or Used Car

A reliable vehicle is everything. It can make a huge difference depending on location. For areas around Wichita, like Maize, Haysville, Park City, Andover, Bel Air, Schulte, Derby, Oaklawn-Sunview, Greenwich, and Goddard, having a car can mean getting to or from work. It can be the difference between having a job and not having a job. It can also make or break everyday life with trips like family outings or even something seemingly as simple as going to the grocery store. Car buying should not be taken lightly but it also doesn’t have to be scary. Buying a car is all about the research that goes into it, relationship with your dealer and dealership and knowing what you want and what you can afford.

When purchasing a car, there are two options to start with: new or used. Since making this decision can often be one of the most daunting of the experience, we’ve created a general guide to help with research.

Depreciation

Depreciation is arguably the single largest expense in the car buying experience. A new car, on average, loses anywhere between 20 and 30 percent of its value as soon as it is driven off the car dealership’s lot. But it doesn’t end there. Some cars have even been shown to depreciate to half their original value within several years of being purchased. What that means for buying a new car is that immediately, the value of the car decreases and that depreciation is a loss out of your pocket essentially for just turning it on. While the new car smell is appealing, as is low mileage and being the first owner, it’s important to ask whether those perks are worth taking the depreciation hit.

Used Car Stigmas

In the past decade, cars have seen a tremendous boom, not only in safety and amenities, but in overall construction and reliability. Gone are the days of the gas-guzzling clunkers. While built well, it took a lot to keep the old used vehicles running and they were in the shop nearly as much, if not more, than they were on the road. Going back to the 1970s, the used car stigma is still around today depending who you ask. But the fact of the matter is that cars have never been more dependable and as well built than they are today. On average, cars far exceed 200,000 miles on the odometer and can infrequently see major repairs. Cars of today require maintenance, but what car hasn’t? Even components such as brakes and tires and belts last longer than old models.

Savings

From registration to insurance, the savings from buying a used car from a dealership like Auto Now is often a hidden gem of the car buying world and the last thing on the mind of someone looking to purchase a vehicle in the Wichita area. But beyond the vehicle purchase itself, insurance can often make or break a car’s affordability and monthly budget. When a used-vehicle is worth less than a new vehicle, it costs less to insure through collision and comprehensive coverage. And remember those registration fees to get that car on the road. If you’re saving now on a used vehicle, you’re setting yourself up for that next car down the road.

More Options, More Prices, More Information

With our inventory of 500 used vehicles to choose from throughout Kansas and Missouri, Auto Now has a large selection to help meet what you want and what you can afford in a vehicle. While there are plenty of new cars that hit the car lots each season, there are even more cars that hit the used lots and are in beautifully running condition. The benefit of an excess of vehicles and quality of vehicle production these days is more options means better prices. As a competitively priced car dealership in Wichita, finding an affordable car on our lot and financing through our buy here, pay here program makes it that much easier (and quicker) to get our customers in a car they love and can afford and send them on the road.

In addition to more makes and models and selections, there’s also more information whether online or in print publications regarding the vehicles that are on the road. Buying used vehicles not only means that someone else is taking the hit for instant depreciation, it also means that people are out driving and talking about what they love and what they would change in their vehicle. Does the head gasket blow after a certain number of miles on a particular vehicle? You’ll know through research. What about common maintenance issues that come up? Again, people are driving these cars and sharing this information so you can educate yourself before stepping onto a used vehicle lot knowing exactly what you want and don’t want in a car buying experience.

Whether you’re looking for a used vehicle or a new vehicle, it’s important to keep in mind the options available to you within your budget. If your credit is low or you’ve hit some financial hardships in the past, Auto Now’s buy here, pay here program may be a perfect fit for not only getting into a vehicle, but rebuilding your credit and a solid financial foundation. Come check out our Wichita location or browse our inventory online.

 
 
 
Best Ways To Buy a Car With Past Credit Issues  Dec 5th, 2018 

Best Ways To Buy a Car With Past Credit Issues

Since 2008, financing for a vehicle has become tougher especially for buyers with credit issues. Life can happen when we’re not looking. But sometimes when we take a moment to stop and look, it’s too late. They say hindsight is 20/20 meaning that looking at everything in the past is easy to judge, compare and determine what went wrong and how it could have been different. Affordable and reliable vehicles, especially throughout the greater Wichita metro area, can be an essential part of life and a means to move forward. Many of us have had credit issues or no credit at all. When buying a car with credit issues, you can unfortunately be met with few to zero options creating a cycle which is hard to rise up from.

What can you afford?

In many things we do, it’s important to have a starting point and direction. This helps us understand where we’ve been and where we intend to head. Before heading out to a dealership or dreaming of that ideal car and finding it online, it’s important to crunch some numbers. What is your weekly, monthly, and even yearly financial outlook? Do you have a budget that can accomodate an upcoming car payment? Once you come up with a figure, use that as your starting point. From Maize, Haysville, Park City, Andover, Bel Air, Schulte, Derby, Oaklawn-Sunview, Greenwich, and the surrounding Wichita area, Auto Now has a wide range of inventory to fit your budget and needs. Once you figure out your budget and an idea of what type of used vehicle you’re looking for, swing by our dealership to get the process rolling. Our staff of experts are here to help and using a buy here, pay here dealership program means you’ll never deal with an outside third party. Everything is done in-house from start to driving off the lot.

What do you need?

After figuring out a budget, begin doing some brainstorming about the type of car you’ll need. Do you have a large family that needs to be driven around? Maybe a van or SUV is the best option for you. Are you a career-driven professional needing a basic vehicle to get you to and from work with occasional weekend warrior trips? Auto Now has a vast inventory of used vehicles to fit all needs. Part of the car-buying process is to visualize yourself in the vehicle a week, a month down the road. Deciding your bare-minimum requirements is important as is deciding what amenities you can live without. Is color important to you or do you absolutely have to have a sunroof? Write down your thoughts and one of our team members will be happy to get you in the car that best aligns with your needs.

Research and Reviews

So you’ve figured out what you can afford and you’ve taken notes on what you want and what you need. Fantastic! You’ve made it past a few huge hurdles that can be a daunting part of the car buying experience. With so many new and used vehicles to choose from, each with variations within a make and model- color, automatic or manual locks and windows, a sunroof, tire size, cloth or leather interior, backup camera- the list goes on and can be a bit intimidating. But fear not! That’s a great thing for buying a used vehicle. What options mean is that there’s a greater likelihood of finding exactly what you’re looking for. At our Wichita buy here, pay here dealership alone we have over sixty vehicles to choose from with many more coming in every day.

The advantage of today is not only the quality of the used car market, but the access to information. Once you know what you can afford and what you’re looking for, head online to search Wichita dealership inventory. From the comfort of your home or nearby library, you can search for that exact model you’ve been dreaming of and you can compare with other vehicles. Dig in further and read reviews. Learn about gas mileage and maintenance concerns with various models, this way when you come to Auto Now, you’ll have an idea of what you want and what you don’t want.

Who will finance you?

Now comes the nitty-gritty of having to pay for your next used vehicle. Have you thought about financing? Traditional financing through institutions such as banks, credit unions and even online lenders can be a viable option, however you must had good credit. If you’ve had financial hardships in the past, it can be difficult and sometimes impossible to obtain a traditional auto loan. Our buy here, pay here dealership program has you covered. For over 20 years we’ve been working with our friends and neighbors in the community to get them into reliable, affordable cars, while helping to build their credit. We understand that life happens. In our buy here, pay here program, the dealer is also the lender which means your car buying experience is at a one-stop-shop. As the buyer, you’ll work with our team at Auto Now to arrange an amount for monthly payments you can afford and discuss terms of the loan directly with the dealer.

Keep up with payments?

Congratulations! You’ve gone through the used car buying process and you’ve driven your vehicle off the Auto Now dealership lot in Wichita. Having a vehicle can mean so much to a person in so many different ways. New opportunities that were once unavailable become accessible and the idea of past hurdles fly by like street signs on a highway. With buy here, pay here, we understand credit issues and how they can affect future opportunities. We work together to set up a payment plan that is affordable and can be followed. Building or repairing damaged credit begins with making timely payments on or before their due date. Not only will buying a car with credit issues get you where you need to go each day, but it can help establish a solid financial foundation for your future.

 
 
 
What You Need To Know About Financing Through a Buy Here Pay Here Dealership  Dec 5th, 2018 

What You Need To Know About Financing Through a Buy Here Pay Here Dealership

Between deciding whether to purchase a new vehicle or a used vehicle, searching for the best deals and identifying what you need versus what you want, car buying can be a lengthy process. Part of that process and an opportunity for choice is often dictated by the financing that is available which is largely based on having good to excellent credit with a clean credit history. However, being in the business for over 20 years, Auto Now and our staff know that life isn’t alway as perfect as some financial institutions hope it is. As a result of things often beyond our control, sometimes financial hardships result or maybe the opportunity to build a low credit score was never an option. Financial history should not be a barrier towards future growth and success and should not bar anyone from purchasing a vehicle within their means. At our Wichita Buy Here, Pay Here dealership, we work hard through the buying process putting our customers first and in cars they love and can afford.

Traditional financing

Many first-time vehicle buyers tend to finance through a dealership in an attempt to keep everything under one roof. However, dealerships often shop around for the best rates to compete with third party lenders and banks to find the best rate. This means it’s often same-day financing in the same location, however, some dealerships still work with third-party lenders which is spreading your information around as well as introducing a new party into the transaction. This can mean more paperwork and more correspondence once the transaction is complete. Banks and credit unions are often the traditional route car buyers take, especially if it’s a bank they’re already a member of. However, this largely relies on having good credit and assumes and uncomplicated financial history. It’s not always an option for everyone who is in need of a vehicle for basic living and employment requirements.

Buy Here, Pay Here financing

At the Auto Now dealership in Wichita, Kansas the process of purchasing a used vehicle through our Buy Here, Pay Here financing means the experience from start to finish stays under one roof. That means not using your credit to shop around for the best deal causing hard credit checks, an inquiry that other dealerships and businesses haphazardly do which can cause issues with credit history, especially if it’s already at a vulnerable level. But what exactly is Buy Here, Pay Here financing and how is it beneficial to your car buying experience? Whether you’re in Maize, Haysville, Park City, Andover, Bel Air, Schulte, Derby, Oaklawn-Sunview, Greenwich, or Goddard, purchasing a vehicle often comes down to your credit score. So if you’ve had previous hardships or low to no credit score, it’s difficult for traditional financial institutions to take the risk for an auto loan. With Buy Here, Pay Here and everything under one roof, that means Auto Now becomes the lender and the seller. This enables lending opportunities to customers regardless of their credit or past financial history.

Since 1996, Auto Now has been a proud family-owned business serving our friends and neighbors throughout Kansas and Missouri. Buying a used vehicle through a Buy Here, Pay Here dealership means not only building credit for a financial foundation but it also means making a complicated process simple. Our easy application process accepts all credit types and has a quick approval time. For our customers, that often results in lower interest rates which not only lower your monthly payments, but provides a stable start to building your credit and paying your monthly payment on time. What’s more is that our large inventory across our six locations means having over 500 vehicle options and prices at your disposal.

We’re more than a business, we want to help you by not only providing you a reliable vehicle, but also providing a no-nonsense path towards financing that works best for you. But how do you know if Buy Here, Pay Here is your best option? Typically, Buy Here, Pay Here is best suited for used-car buyers who may have low to no credit or issues with their credit history who are looking to build credit and also may need a vehicle. Buying a car is a great way to improve a credit score.

What can be expected from Auto Now?

  • Fast and simple process
  • No-hassle financing
  • Huge selection of high-quality vehicles
  • Peace of mind with our 24 month/24,000 mile warranty
  • Family-owned business with a team of professionals

If you’re looking for a vehicle and no-hassle car buying experience throughout the greater Wichita, Kansas region, the team at Auto Now is the perfect fit and we’re hoping you’ll swing through to visit. Our mission since our doors opened 20 years ago has been to provide great quality pre-owned vehicles to customers on affordable terms with simple financing. The Buy Here, Pay Here convenience means everything is done under one roof and we don’t care what credit challenges you’ve faced in the past because we’re committed to helping provide you with reliable transport for your future. Every car at Auto Now is run through a comprehensive inspection by independent mechanics before being put on the lot. And we stand behind each vehicle with our warranty for your peace of mind.

Come check out our Wichita, Kansas location and talk with a member of the team to get started or search our online inventory. We’re here to help with any questions and walk your through the car buying process.

 
 
 
Top 5 Reasons of Using Buy Here Pay Here Dealership  Dec 5th, 2018 

Top 5 Reasons of Using Buy Here Pay Here Dealership

Since 1966, Auto Now has helped thousands in Kansas and Missouri communities find cars they want through financial assistance they need. Through our buy here, pay here program, we’ve helped locals from across the financial spectrum find a vehicle and build their credit. While traditional financial institutions often categorize people in terms of lending risk, our friendly and eager team works with potential car buying customers enabling them to move forward instead of getting stuck in the past due to a financial hardship or low credit score. Since our beginning over twenty years ago, we’ve had the intention of helping regular people acquire reliable transportation through our expert staff and quality service.

But what is buy here, pay here and why should you purchase your next used vehicle with Auto Now in Wichita?

1. One-Stop Shopping

With an inventory of over 500 cars at your disposal, our Wichita buy here, pay here dealership lot is your one-stop car buying shop. At traditional dealerships, there are usually multiple parties involved which can sometimes take days to coordinate and finally come to a purchase, meanwhile the car in question could be sold or transferred at any time. At Auto Now, we are not only the dealer but the lender as well meaning everything from shopping for a car to financing is done by our expert in-house team. From the moment you walk in to the moment you drive off the lot with your vehicle, you’re in the same hands throughout the process. Besides building a relationship with your sales team, this process is beneficial because there’s less stress, it takes less time, and there are less moving parts. It’s one of the most efficient car buying experiences out there. In fact, instead of looking for a car and then figuring out finances, our process starts with learning how much you can afford and matching you with a car that you love that’s within your price range.

2. Reliable Vehicles and warranty

Many buy here, pay here dealerships offer warranties, however, Auto Now comes with a 24 month/24,000 mile powertrain warranty that covers 100% of qualifying parts and labor with only a $200 deductible. And the warranty covers our inventory of over 500 vehicles in 6 locations throughout Missouri and Kansas. From the engine and transmission to the starter, the alternator and the AC, all are covered under the warranty to give you peace of mind during your next used vehicle purchase. On average a person drives 12,000 miles each year so for the first two years, we’ve got you covered.

Our inventory receives a comprehensive inspection from local and qualified mechanics. Any vehicles that are tagged to be unsafe or not of quality never find themselves on the lot. It is part of our mission for the past 20 years to provide our customers at Auto Now with the best quality vehicles available.

3. Better trade in value

Several aspects affect the monthly payment for your new used vehicle at Auto Now. Whether it’s a down payment, inventory or loan terms, all are factors. Fortunately we offer our customers a large inventory to choose from along with the best pricing on the market. What’s even better and why we see repeat and loyal customers is we offer top-dollar for your vehicle trade-in. In fact, a lot of vehicles on our buy here, pay here dealership lot in Wichita are new-car dealership trade-ins while others are bought at auto dealer auctions.

4. The Law is on the Consumer’s Side

Auto dealerships including buy here, pay here dealerships are regulated by state and federal laws which means Auto Now reports and follows the same laws as any other dealer in Kansas or Missouri. Because of these regulations, we regularly keep our team up to date and aware of the latest in best practices within the industry. For peace of mind in the used-car buying process, a few of many laws and regulations we adhere to are:

  • State & Federal Unfair & Deceptive Practices laws
  • State Usury laws
  • The Truth in Lending Act
  • The Used Car Rule
  • The Safeguards Rule
  • The Red Flags Rule

5. Build Your Credit

Auto Now continually works with our neighbors and members in the community who are searching for a car but may not have the best credit score or credit history. Financial hardships happen, but they shouldn’t prevent you from moving forward in life or prevent future opportunities. Our buy here, pay here dealership program is perfect for someone with past credit issues looking to rebuild their score and move forward. Traditional financial institutions deem low credit or credit issues as being a higher risk and often won’t help the people who may need it most. That’s where we come in. Taking into account what you need and what you can afford is our number one priority in helping you find a car that you love. Starting with your finances means we can better help accomplish your car buying needs while setting you up for a payment plan that will help build your credit for future success.

With 6 locations to choose from throughout Missouri and Kansas, finding your next used vehicle is as easy as picking up the phone or swinging in for a visit.

Don’t hesitate to visit us at any location and before you come, check out our extensive inventory online as well as our loan application so we can better help you. or give us a call. Also, remember to check out our online loan application so that we can help you get into the right vehicle for you today. We can’t wait to help you out.

 
 
 
Top 5 Benefits of Buy Here Pay Here Financing  Nov 5th, 2018 

Top 5 Benefits of Buy Here Pay Here Financing

When looking for a vehicle many things are taken into consideration. You can purchase a vehicle from a dealership or from a person privately, but what about financing?

Many people are capable of paying and making payments for a vehicle but do not have the credit history to do so. buy here pay here financing for vehicles in Topeka allows people looking to purchase a vehicle options that are not offered at regular dealerships or from buying from a private seller. These benefits include getting more for trade-ins, guaranteed financing, credit building, one-stop shopping, and getting a reliable vehicle.

Better Trade-in Values

Car dealerships need cars to sell. Dealerships do not have an endless amount of vehicles to sell. This is a great advantage to buying at a dealership that finances their own vehicles. Because the dealership does their own financing, they are able to work with the numbers to get you the best value for a trade-in. They are going to be looking for new vehicles that they can turn around and finance, and as the buyer, you want to get the most out of the vehicle you are looking to trade in. Because of this, a buy here pay here dealership has more flexibility over trade-in values compared to a regular dealership or self-seller that doesn’t take trade-ins at all. It allows you as the buyer the ability to negotiate more and gives you the ability to get the deal you need to make a purchase you need.

Guaranteed Financing

Think of one thing that prevents people from purchasing a new or used vehicle. What is the first thing that comes to mind? A person needs to be able to finance the vehicle to make a purchase. Without a bank that is willing to finance the vehicle for the buyer, there is no sale. What is more embarrassing than going to a car dealership or bank, asking for a loan, and being told, sorry you don’t qualify?

Alternatively, you could be in desperate need of a vehicle and feel like there are no options because you can’t get a loan.

This is another benefit of purchasing from a buy here pay here auto dealership. You are guaranteed financing. Regardless of your credit history, you don’t have to go through strict credit checks and applications to get credit to buy the car. If you go to the dealership with the intention of buying a vehicle, you will leave with a vehicle. No denials or being told sorry we can’t help you.

If you know you are going to have an issue at a regular bank then you can skip the multiple credit checks from multiple banks. You can go to one place and get the financing you need, guaranteed, regardless of past credit history.

Credit Building and Teaching Responsibility

You have problems paying your bills. You need a vehicle to get to work, and you need someone to give you a chance to build your credit so you can have further opportunities in the future.

Paying off a loan is a great way for building credit and repairing credit that is bad. In addition, most dealerships that offer financing are going to require payments every other week or monthly, making sure that a payment is received regularly for the vehicle. This teaches buyers how to be responsible with their money and make good financial decisions.

If you need to have a vehicle, then you need to make the payments. Learning financial responsibility and credit building is only going to allow for more opportunities to get credit and have good credit in the future. In that sense, as a buyer, you not only get the benefit of obtaining a car that is needed but also the benefit of building better credit for the future.

One-Stop Shopping

What is the normal process people take when purchasing a vehicle? Some people go to the bank first to get a loan. Others go pick out a vehicle and then go to get the financing they need, often times running into issues with either getting the financing once the vehicle is picked out or finding a vehicle for the amount of financing you are offered.

Another problem buyers face is that once they find a vehicle they want is that the payments are too much monthly.

How great would it be as a buyer, to go to a dealership, find vehicles within your price range, secure financing easily, and then leave with the vehicle? You don’t have to go to multiple places. You don’t have to decide and then be forced to choose something else based on a monthly payment.

One thing that buy here pay here car dealerships offer is the ability to one-stop shop. You go there you pick out your car and you leave with your car. One-stop shopping is a great benefit you get from buy here pay here car dealerships.

Reliable Vehicles

The last benefit that there is for purchasing from a buy here pay here car dealership is the guarantee that you get a vehicle that is reliable. If you buy a vehicle from a normal car dealership, you have no guarantee that the vehicle will be reliable. However, buying a vehicle from a dealership that finances the vehicle themselves, they are going to guarantee the car runs. If the car isn’t running then they cannot make their money.

Most dealerships with buy here pay here financing offer extended warranties for vehicles. They want to put someone in a vehicle that they are going to pay for and that is going to be running.

Exemplary buy here pay here dealerships in Kansas and Missouri like Auto Now offer two-year warranties on the vehicles we sell – at no extra charge! Talk to us today about getting yourself into an excellent used vehicle at Auto Now.

 
 
 
Take a Look at the Great Vehicles We Offer at Auto Now  Nov 5th, 2018 

Take a Look at the Great Vehicles We Offer at Auto Now

If you are looking for a great vehicle, you must check out an Auto Now dealership in the Topeka area. Auto Now has a large inventory of vehicles to look at online or at our Topeka location. Auto Now has been selling quality vehicles for over twenty years to help individuals just like you buy cars.

Why Buy From Auto Now?

Customers come to Auto Now for their auto purchases when they have credit problems from their past that result in denials from loans at traditional lenders. At Auto Now, we know credit problems can happen to good people. At buy here pay here dealerships, we can help put you in a vehicle of your choice no matter what type of credit troubles you have had in the past.

Our process is simple, pick out your car, complete the application, sign your contract, and drive away the same day. Our dealership associates will help you determine the car payment that fits your situation. We guarantee a hassle-free and headache-free car buying experience at our used car dealerships in Kansas and Missouri.

Are Auto Now Vehicles Safe?

Auto Now vehicles come from car auctions or other auto dealerships. The vehicles go through a comprehensive inspection from a local and qualified mechanic. All vehicles deemed unsafe or unsound are returned to the seller.

We are so confident in the quality of our vehicles that we offer them with a 24-month 24,000-mile warranty! That should put your mind at ease immediately, knowing that you’ll get almost as good a warranty coverage as you would get from buying a new car. You won’t get this if you buy a car on the private market, so it’s another reason why Auto Now cars are a smart buy.

Advantages to Using Auto Now

Auto Now has an easy application process. We accept all credit types, we provide faster approval times, and we will give you potentially lower rates. You will begin to rebuild your credit history by making timely payments. You must be 18 years of age, have a valid driver’s license, and earn at least $1,200 a month after taxes. You will find a large selection of new and used vehicles to choose from online or at one of their many area locations. Auto Now also pays top dollar for trade-ins. You will receive a warranty on your vehicle and you can enjoy the ease of making your payments online.

Auto Now Application Process

The whole process can begin online with making your car selection and starting the credit application. Auto Now credit applications require basic details such as name, address, social security number, place of employment, and earnings each month. Your application can be approved within ten minutes. You may be asked to provide a reference, but you will find this is one of the easiest and quickest car-buying experience in the industry.

Car Ownership Affordable to All

We are proud of what we achieve at Auto Now.

Buy Here Buy Now makes car ownership possible for anyone who has experienced credit problems. Car ownership is essential in so many areas of our community that lack access to public transportation. For some residents, it is impossible to maintain employment without a vehicle. For some senior citizens, everyday activities, doctor appointments, or grocery shopping can be challenging if you do not have access to a vehicle. For young single parents, it can be challenging to get to the daycare, their children’s schools and then to a job if you do not have access to a car.

Nothing is more frustrating than to see an auto dealership advertisement with zero percent down or zero percent interest payments for a new car and then finding out that you do not qualify due to past credit history problems.

At Auto Now dealerships, we can help you find and buy the car of your choice. We make car ownership affordable for everybody. We are able to help people maintain employment, find employment, keep medical appointments, do their grocery shopping, or to just get out of the house. Everybody deserves reliable transportation.

Auto Now has made shopping for a car very easy and quick for the customer. The whole process can be completed online. The large selection of inventory can be previewed online. Once the selection is made, you can apply for the loan online, and receive an approval within hours without ever leaving the comfort of your home. This definitely appeals to the new generation of shoppers.

This one-stop and simplified process makes shopping easy for credit challenged car buyers. Come take a look at the wide range of great cars you can get at Auto Now today.

 
 
 
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