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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.

 
 
 
Learn How Buy Here Pay Here In Kansas City Can Benefit You  Nov 5th, 2018 

Learn How Buy Here Pay Here In Kansas City Can Benefit You

What Does Buy Here Pay Here Mean?

When consumers purchase a vehicle through a traditional auto dealership, the loan is funded through a finance company that lends money to buyers based on their creditworthiness. A buy here pay here auto dealership cuts out the finance companies and intermediaries and finances the vehicle purchase itself, in-house.

Some traditional auto dealerships have started to see the value in offering buy here pay here financing options to clients but the best deals are usually found with companies like ours who have a focus on helping consumers with credit issues find a car and purchasing options that work best for them. Even customers without credit problems should consider purchasing a vehicle through a buy here pay here dealership to get a great deal on a certified pre-owned vehicle.

So, here are six reasons why consumers should consider a buy here pay here dealership before buying their next vehicle.

The Law is on the Consumer’s Side

Since buy here pay here dealerships are also financial institutions there are stricter laws that they have to abide by then a traditional dealership. If they were to fail to follow these state and federal laws, they would be shut down.

One example of laws protecting buyers is the Truth in Lending Act or TILA, which requires the dealer and/or the financer to disclose all pertinent information to the buyer so that they can shop around for the best deal. This includes the full amount to be financed and the full and final cash price.

 

There is also State Usury Laws, which caps the interest rates that businesses can charge on loans, the Fair and Accurate Credit Transaction Act, which protects consumers from unfair credit reporting, and the Fair Debt Collections Practices Act, which outlines the ways companies, can go about collecting debts.

Pro tip - When consumers find a car they like, they should always make sure to ask the dealer for a complimentary CARFAX report.

In-House Financing

Buy here pay here dealerships will work with anyone regardless of their credit history. Since all of their financing is done in-house, they have options consumers won’t find elsewhere and they are determined to work with consumers to find a deal that is satisfactory for every person and situation. Their goal is to get these buyers the car they need regardless of their credit score. As long as they have a valid home address and a provable steady income, consumers are almost always guaranteed financing approval.

Another benefit is that the dealer can set up a payment schedule that is weekly, semi-monthly, or monthly. Since consumers are working directly with the financier, they can usually set up payment due dates in conjunction with buyers paydays to make paying on time that much easier. This will also help consumers to boost or build their credit score for the future. With on-time payments, consumers will quickly see a positive impact on their credit rating.

With buy here pay here car lots like Auto Now at 79th and Wornall in Kansas City, buyers make all of their payments directly to the dealership meaning they can pay in person or online. This is just another way that a buy here pay here car lot gives them more options that fit their busy lifestyles.

Help with Down Payments

BHPH dealers are usually more willing than traditional dealerships to take a buyer’s used or beat-up vehicle as a total or partial down payment on a new car. This can save consumers a ton of cash up front, as they won’t need as much of a down payment!

The Focus Is on Consumers

Shopping with a buy here pay here dealership is different from shopping with a traditional dealer. Instead of shopping around for months for a perfect car at a traditional dealership only to find out later that they can’t get financing for it, a BHPH specialist will sit down with the buyer and determine how much of a loan they qualify for and how much of a down payment they will need before starting the process of shopping for the right car. They will also consider any trade-ins that buyers have at this time. Armed with this information, consumers can choose the financing that works within their budget and choose the vehicle within that budget that works best for them and their family. There is no time wasted looking at vehicles only to find out later that they simply are not right for buyer’s needs.

Amazing Customer Service from Well Trained Professionals

BHPH sales agents are highly trained and knowledgeable about vehicles, financing options, interest rates, and warranties. With their diverse backgrounds and educations, these knowledgeable staff members can help buyers find the car or truck that is right for them.

Buy here pay here dealerships recognize that car buyers are more than a credit score. Since many of the highly trained sales agents working at these dealerships live in similar situations as their customers, they are able to look beyond a number and see the hard-working person instead. This means these sales agents and specialists recognize the need for a reliable vehicle to get consumers to work, to safely get their kids to school and practices and to keep them safe on all of their road trip adventures. These sales agents work hard to help clients find the best deals possible while creating business relationships that will last for years to come. So, instead of being treated like a number on a screen, buyers should check out a local buy here pay here auto dealership and let them find the right car for them based on their budget and ability to pay.

 
 
 
What Does It Mean to Finance Your Vehicle Through a Buy Here Pay Here Dealer?  Nov 5th, 2018 

What Does It Mean to Finance Your Vehicle Through a Buy Here Pay Here Dealer?

There are several benefits to buying your next car from your local buy here pay here automobile dealership. These dealerships often compensate for the smaller selection with limited warranties and excellent customer service. Customer service is a top priority to keep you coming back as a customer. buy here pay here automobile dealerships can range in size. Some buy here pay here dealerships are very small while others are huge and have a great selection of used cars and trucks. Word of mouth is a good way to find a fair buy here pay here dealer that offers great incentives. Here are just a few of the advantages of buying your next car from a buy here pay here car lot.

Financing

The number one benefit of a buy here pay here automobile dealership is on-site financing. There is a common misconception that buy here pay here automobile dealerships charge 30-40% interest but that is not at all true. For most consumers, the interest rate is between 15-20% all depending on your credit. Personal credit history is another reason why people will use buy here pay here financing. These dealerships will accept all credit statuses. Whether your credit is good or somewhat questionable you are generally able to work out a financing deal on-site at a buy here pay here automotive dealership. Even those who have been forced to go through bankruptcy or who have had a repossession on their credit are able to get financing through a buy here pay here company in Kansas and Missouri. Cash buyers can get a good deal on a used car at a buy here pay here business. With cash leverage, you have more room for negotiation.

Build Your Credit

A buy here pay here automobile dealership can help you build and restore your personal credit score. Making monthly or weekly payments on time can help build up a low credit score. Paying every payment and paying off the vehicle is a good boost to your credit and shows new creditors that you can be trusted with credit. Increasing your credit score will help your future financed purchases have a lower interest rate, which can save you thousands of dollars over the life of a loan.

Easy Payment Options

A buy here pay here automobile dealership will work with you to find a payment schedule that fits your lifestyle. Some buy here pay here dealerships will offer weekly, bi-weekly, or monthly payments. You can make your payment yourself in person or by mail or have it automatically debited from your account as a recurring charge.

Trade-Ins

Most buy here pay here automobile dealerships will offer you top dollar on a trade-in vehicle. Many people like to trade in an old vehicle when buying a new used vehicle and use that money as a down payment. Your local buy here pay here dealer will thoroughly examine your old vehicle and make you an offer to buy it from you. The appraisal is generally good for 5-7 days depending on the dealership so you don’t have to make a decision right away. Whether you have a down payment or not, a buy here pay here automobile dealership wants your business and we try to make your experience as easy and painless as possible. Even if you’re not in the market for a new vehicle, a buy here pay here lot is interested in buying your car. Excellent condition and low miles can increase the purchase offer.

Quality Inspections

Most people are in the market for a new car because their old vehicle has become unreliable or is on its last leg. You can rest assured that the vehicles found at a buy here pay here automobile dealership have been fully tested and inspected prior to hitting the lot. The technicians take great care in making sure they are putting a well maintained, quality vehicle on the car lot. Any repairs or services done to the vehicles are up to code with the manufacturer’s guidelines. No one wants to sell a lemon because you won’t be making the payments!

Some buy here pay here automobile dealerships go above and beyond to ensure you are happy with your vehicle. There are some buy here pay here automobile dealerships that put each vehicle through a multi-point quality inspection, verifying that everything from gaskets, hoses, and belts to transmission and engine are thoroughly inspected for any issues.

Most buy here pay here automobile dealerships will also provide you with a free CARFAX report. These reports can tell you if the vehicle you’re about to buy has been in any serious accidents or in a flood.

Limited Warranty

It’s also common to be able to get a limited warranty such as six months or 6,000 miles to cover any unexpected problems. Once you find the buy here pay here automobile dealership you can get the best deal with, be sure to get everything in writing.

Anyone who is in the market for a new vehicle should look into buying his or her next car, truck, or van from his or her local buy here pay here automobile dealership. Many of these dealerships have a reasonable selection and reasonable prices. In addition, if you like to negotiate you will have an easier time finding a fair deal at your local buy here pay here automobile dealership. With lower overhead expenses, a buy here pay here automobile dealership may just be the best negotiation table in town. No matter what your credit situation is, you can be driving a better more reliable vehicle today with the help of your local buy here pay here dealer in Kansas and Missouri.

 
 
 
Things to Know Before Purchasing a Vehicle from a Buy Here Pay Here Dealership  Nov 5th, 2018 

Things to Know Before Purchasing a Vehicle from a Buy Here Pay Here Dealership

Know the Advantages

How does a buy here pay here dealership in Independence operate?

A buy here pay here dealership can be an incredibly viable solution when you need to purchase a used vehicle. A buy here pay here dealership is different from a traditional dealership for numerous reasons. A buy here pay here car lot has the means to finance a loan to buyers without using and involving any external third-party banks, lenders, or financial institutions.

The primary advantage to a dealership financing in this manner is that conventional lenders and financial institutions have an extraordinarily high barred standard concerning credit history, income, employment history, and debt, that any flexibility regarding these requirements is virtually nonexistent. A buy here pay here dealership caters to a much larger group of people because of the formidable flexibility they offer when financing their vehicles. Not only is the flexibility within the requirements to finance a vehicle, but it also means that there is great flexibility with how much of a down payment is required as well. A conventional dealership is relentlessly firm in the percentage of the principle that they require down on the vehicle, whereas at a buy here pay here dealership, this percentage is flexible and is calculated on an individual case-by-case basis.

Another great advantage of a buy here pay here dealership is that they can help you build up your credit by frequently reporting to the credit bureau’s on a regular basis. The high frequency of this can positively influence your credit score faster than a loan from a conventional lender would.

Crunch Your Numbers

Prior to visiting a buy here pay here dealer to purchase a vehicle, there are several things that you will want to gather and work out on your own ahead of time. This will make the purchasing process quicker by knowing exactly what to expect from the dealer, and what the dealer will expect from you.

First and foremost, you need to take a look at your income and your regular occurring expenses to evaluate how much of a payment you can afford. The financing and purchasing process will run much smoother when you have an established a number that you are comfortable having as a payment and that you are certain you can afford consistently, taking unexpected expenses into account.

The next step you will want to take before purchasing with a buy here pay here dealer in Independence, Mo is where your credit rating stands. When it comes to credit, there are numerous facets that determine how high or low that number will be. It will be extremely helpful for you to be knowledgeable of what all your credit report consists of and the reasons behind it.

A conventional lender could not care less about why your credit history appears the way it does, and simply treats you and your credit rating as a number on a spreadsheet. At a buy here pay here dealership, you are speaking to the lender for your vehicle directly, upfront, and personal. It is because of this aspect that there is great flexibility. You are speaking with a person who has a brain and is capable of understanding at a buy here pay here dealership. Conventional dealerships that work with banks and third-party lenders are strictly firm and straightforward with your credit score number, and they use automated algorithms and calculations to obtain financing rather than an actual person you can speak to face-to-face.

After making your determination of what kind of payment you can comfortably afford and then familiarizing and informing yourself about not only your credit score but also your credit history and the reasoning behind it, the next number you want to crunch is your down payment amount. Since there are no set rules or regulations governing what amount of a down payment is required of buyers when purchasing at a buy here pay here dealership, each dealership is different and has their own methods in how they determine this.

You should expect to put money down on a vehicle, as the majority of buy here pay here dealerships do require something down and while they exist, no down payment deals are hard to come by. It is very important to consider that financially as a buyer, it makes much more sense for you to put more down then less. A bigger down payment reduces the term of your loan and it also reduces the amount of your monthly payment amount. While not every buyer has the means to put a good chunk of money down, it would benefit you in the long run to do so. That being said, again, because you are speaking with your lender directly face to face, and they are a person with a much bigger threshold of flexibility than a conventional lender or banks calculations and algorithms, this provides more options for a down payment then a traditional dealership would.

Prospect Your Preferences

Having gotten the finances squared away, you can move on to the vehicle itself. You want to get a general idea of what type of vehicle you prefer. How big is it? What is the ideal capacity? Which makes are dependable and which are not?

While you shouldn’t map out exact specifics all your ideal vehicles attributes, you want to have a baseline to start with. Most buy here pay here dealerships have a wide inventory that spans numerous makes, unlike a traditional dealership that has the majority of a single or a couple makes in their inventory. Use this to your advantage, as you have many more points to compare your choices because of the variety provided. Do your homework on used vehicles so you have this information handy when browsing the lot.

Another important attribute to note is that buy here pay here dealerships typically have warranties that you can get with your vehicle purchase. You should determine if this is of interest to you, and if so, what things you want to look for within the warranty and the term of the warranty. Some warranties offered by buy here pay here dealers encompass more than standard warranties you would get at a traditional dealership because you are working with used and pre-certified vehicles.

 
 
 
Advantages of Purchasing a Used Car over a New Car  Nov 5th, 2018 

Advantages of Purchasing a Used Car over a New Car

Dodge the Depreciation

When you purchase a brand new vehicle, it is inevitable that the very second you drive it off the dealership lot, it can depreciate up to thirty percent of its value. That alone puts you upside down in your new vehicle if you have financed the majority of the price of the car. Not only that, but the brand new car continues to depreciate over time, and after just the first year of owning your brand new vehicle, it has lost as much as forty percent of its value.

You do not face this fate when you purchased a used vehicle, as this only happens at the first sale of the car. When you have a vehicle that depreciates faster than you can pay off the loan for it, you will need to obtain GAP coverage, which is another payment you will need to obtain on top of the payment you already have incurred. GAP insurance is used in order to cover the ‘gap’ or difference when the loan amount is more than the actual value of your vehicle should your vehicle be totaled.

More Options and More Prices

Often, someone will take a liking to a particular model’s style just to see it be redesigned into a newer model. Attributes can be restructured and redesigned so that the newer year or year(s) of the vehicle no longer look like the older models. You will have a difficult time trying to track down a brand new car of a particular make and model of a specific year. When you buy a used vehicle, it is that much easier to find the exact make, model, and year that you desire, and many choices within that. If you think about it in terms of inventory, buying used has no end, because vehicles are constantly be resold, so the options from which to choose are endless.

In addition to the variety in vehicle choice, you also have the added advantage of a huge variety in the price you want to pay for a used vehicle when new vehicles typically are priced similarly with little variation and options. When you have a specific budget or credit issues, when you buy a used car you will not be pressured into paying more than you wish to the same way you would be pressured to do so when purchasing a new vehicle.

Another noteworthy point about money when it comes to purchasing new and used vehicles is the fees that come along with it. Typically, there are more extra hidden fees tacked on to a new car purchase at a traditional dealership then there are with a used vehicle from a smaller used car dealership or private party. Buying used can help you dodge those initial hidden fees that you are stuck with when you purchase a brand new vehicle.

You will have a greater span of flexibility in your choice of the condition of the vehicle when you buy a used vehicle. If you don’t have a problem with a few dents and scratches, you can find a killer deal on a used car. You also have the opportunity to fix minor cosmetic issues at a lower price point post-purchase then you would be paying in an increased price for the car after the minor cosmetic repairs have been made. For anyone looking to add customizations to their vehicle, when you buy a used car, the price for adding extra customizations decreases. It’s much wiser to purchase a car and then add the extra bells and whistles post-purchase because you will pay significantly less than if they are included at the initial sale in a higher sale price.

You Have More Experience to Rely on

The longer the length of time that a specific make and model has been on the market and driven naturally provides more time for things to come up like defects, recalls, or problems. After a number of years, there has been enough experience with the particular make and model that you will be able to easily know if it has or had not had problems.

When you purchase a new car, there are much fewer people who have had time with that make and model of car to establish it as problem free or problem prone. You simply run the risk of not knowing of bugs and defects that will cause recalls when you purchase new.

When you purchase used, all that information is available to you right away. You are able to be wise with the vehicle you choose because there is more information about the experiences other buyers have had with the make and model of vehicle. It is very simple when you break it down, there is just more data to look at when you are looking through used cars then there is with new cars.

Insurance Rates Are Lower

When you get insurance on your vehicle there are a number of things that your insurance company will look at with different weights to determine your insurance rate on that vehicle. It is common sense that the biggest thing taken into consideration when determining how much you will pay to them for your insurance is the value of the car. When you buy used, your car will not be as monetarily valuable then if you bought the same car brand new. Therefore, in that respect, if something should happen to your brand new car, the insurance company will be paying out a much higher amount, which in turn makes your insurance rates skyrocket.

When you buy a used vehicle, it will cost the insurance company less to repair and or replace it should something happen to it, and it will cost you less when you pay the insurance premium. When it meets the eye, you may not be able to discern the differences between your 2013 Lexus from your 2016 Lexus, but rest assured that your insurance company definitely would. It is due to the concept of depreciation that this happens when insuring a vehicle, and this can be a key advantage of buying a used car in Independence.

 
 
 
Buy Here Pay Here Financing vs. Traditional Dealership Financing  Nov 5th, 2018 

Buy Here Pay Here Financing vs. Traditional Dealership Financing

Why should customers consider a buy here pay here dealership for their next car purchase? What are the differences between a buy here pay here loan and a traditional loan from a car dealership?

Having Credit Problems Is No Problem Here

Many factors separate the two. One of the facts that help buy here pay here loans stand out from tradition loans is the way the loan process is handled.

With buy here pay here financing, the customer arranges the loan with the dealership and makes payments to the dealer whereas traditional dealership loans usually include a separate middleman who finances the loan to the customer. This intermediary may be a bank or credit union with its own set of rules and requirements that the customer has to agree to before getting the loan.

Getting a loan through a bank or third party could be very hard for customers with suffering with credit issues. Banks may reject a customer’s loan application because of a few blemishes on his or her credit report. If this happens, getting a buy here pay here loan may not only be a convenience, it may also be the last resort for some customers.

Most, if not all, buy here pay here auto dealerships accept all levels of credit. They even overlook all negative credit issues. What are the chances of a major bank doing the same? This policy benefits customers in many different ways.

College students in need of a new vehicle, or their very first car, can turn to buy here pay here dealerships without worrying about a lack of credit.

Someone with one too many unfortunate life events that ruined their once perfect credit score can also take advantage of a buy here pay here auto dealership.

Customers might want to consider a buy here pay here auto dealer to help repair their credit too. Even with a steady income, having a few negative points on one’s credit score could be the only thing a bank takes into account. On the other hand, with the buy here pay here relaxed credit policies, customers can use this as a great opportunity to repair their credit.

Buy here pay here dealers work with customers to help them determine the best interest rate and monthly payments for his or her budget. Repaying the loan on schedule will change the customer’s credit score for the better.

Cash for Clunkers

Unlike most traditional dealers who frown upon accepting clunkers for trade-ins, buy here pay here auto dealers are known for purchasing older vehicles. Another point to consider is the fact that traditional car dealerships only accept trade-ins that aren’t paid off. If you can drive it to the lot, chances are a buy here pay here dealership will accept it as a down payment toward your next car.

The way trade-ins work at a buy here pay here dealership is they pay what’s left on the balance of the customer’s car loan. The customer usually keeps what’s left over as a down payment toward their next vehicle. For example, let’s assume that a customer owes $4,000 on their current car loan. The customer goes to trade the vehicle in at a buy here pay here and is offered $6,000 for it.

The buy here pay here dealership will pay off the buy here pay here loan leaving the customer with $2,000. The customer can then choose to pocket the cash or use it as a down payment for a new car.

However, don’t think just because a buy here pay here auto dealership is keen on buying clunkers that they sell junk. Just like any traditional car dealerships, buy here pay here dealers take pride in selling reliable transportation to their customers. Vehicles on the lots are certified pre-owned and have been professionally inspected.

Moreover, a majority of buy here pay here dealerships offer a free CARFAX report to their customers. If they don’t, then you’re probably better off shopping somewhere else.

Quick and Easy Car Buying Experience

As mentioned above, buy here pay here auto dealers do not have third-party middlemen. Customers apply for loans that are provided directly by the dealership. This decreases the amount of time customers have to wait before their behind the wheel of their new car. Banks may require a few extra hours of paperwork before agreeing to a loan at traditional dealerships. However, because buy here pay here auto dealerships provide loans in-house and don’t do credit checks, there’s a good chance that customers will get a new car within minutes.

Down payments are also minimal. With buy here pay here financing the amount needed for a down payment is significantly less in most scenarios. Third party lenders via traditional auto dealerships usually at least a good 10% of the vehicle’s selling price as a down payment. buy here pay here dealers are typically more lenient. Sometimes they may limit the loan requirements to a single monthly payment.

Auto Now in Belton, MO goes even further with a limited 24-month warranty on all vehicles.

 
 
 
Why You Should Choose Auto Now as Your Buy Here Pay Here Dealer  Nov 5th, 2018 

Why You Should Choose Auto Now as Your Buy Here Pay Here Dealer

Trusted Dealership

At Auto Now in Belton, MO, we have six different locations across Kansas and Missouri and we have serving people like you since 1996. We have over twenty years of experience getting our customers into cars that are ideal for their family and their situation at a great price no matter what their credit situation is.

We are a family-owned business that is committed to the communities we work in. We understand that the economy has been hard on people and we want to help our community. We want to make sure that our customers feel valued. We want loyal customers that will come back again and again. We have a Facebook page that shows you a ton of our inventory and we also would love to hear from you so that we can give you more information on our trade-in programs and referral programs. We can’t wait to help you into a great, reliable vehicle.

We make it easy for you to trust us every step of the way here at Auto Now. We will help you buy your car here and finance it through us though our buy here pay here system. This is because we have a great finance department and we don’t want you to have to deal with a financer that you have never heard of. We don’t want you to have to go anywhere else when getting you a car. You can deal with us while we help you to find a car and help you to get the financing for it. We are flexible with our financing and we will make sure that we help to get you into something that will work with your budget.

Simple Process

We have three simple steps you need to follow when getting your financing in order. If you want to be approved you will have to be 18 years old or older, have a current driver’s license and bring home $1200 a month or more. It’s that simple. No matter what your credit looks like we can work with you to get you into a vehicle. You can make this process even quicker by going online and applying for a loan. You will be asked for some basic information and how you learned about us and your approval should be quick, most likely within ten minutes. Once you have finished this process and been approved you will have that approval for 30 days so long as nothing changes on your end. If this approval expires because you waited past the 30-day mark then you can just re-apply.

When we look at financing, we factor each individual situation and the vehicle you choose. We have trained financial specialists that will help to make sure you get into a vehicle that fits your budget. We have come to realize that many of our customers prefer to pay off their vehicles quickly and because of that, we offer special short-term loans. You can also make quick and easy payments at any of our six buy here pay here car lots with a check or money order. Another option is to set up Direct Debit so that you don’t have to worry about a payment being late or forgotten altogether. We have an easy to use online payment portal.

Wide, Reliable Selection

Here at Auto Now, we have a huge selection of vehicles from which to choose. Many of our vehicles are the vehicles that others have traded in at other dealerships. We also have vehicles that have been traded in here and vehicles that we were able to buy at auction. We go all around the Midwest in order to find great cars to offer our valued customers.

Each car we have on the lot has been thoroughly inspected by our on-site mechanics. We only want to put cars on our lot that are of good quality. We know that all of our cars on the lot are great mechanically and will be safe for your family. We do have cars on the lot that have cosmetic blemishes but this allows us to offer you great pricing on our vehicles. We want to get you into a reliable vehicle so that you don’t have to worry about anything. We are in this with you and want to help make sure that you are confident in the vehicle you buy from us.

Peace of mind for our customers is so important to us that we don’t want you to worry if for some reason you do experience mechanical issues with a vehicle you purchased from us. All of the vehicles we have for you to choose from come with a 24-month or 24,000-mile powertrain warranty with a deductible that is only $200. You can come in and talk to us in person in order to get more details on this offer. We want to help you get into the best car for your situation and will help you find the right car and get it financed and you only have to be at one location to get everything done. We don’t judge you based on any credit challenges you might have faced previously we just want to get you into a reliable vehicle and make sure you are not stressed while navigating all of the financial aspects.

Different Locations to Serve You

Remember that we have six different locations to choose from and they are as follows:

Don’t hesitate to come out and see us at any of these locations 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.

 
 
 
When is the Right Time to Buy a Used Vehicle?  Nov 5th, 2018 

When is the Right Time to Buy a Used Vehicle?

At Auto Now in Olathe used car dealership, the right time to buy a used vehicle is now, even if you’ve had credit issues in the past! But perhaps you’re keeping your options open, so let’s look at the right time to buy a used vehicle across the market.

Buying a used car can be a hassle and isn’t always something people want to do. There are some things you should keep in mind when buying a used car so that you are not stressed out during the process. Remember that buying a used car can actually save you money if you buy the right car at the right time. You will want to make sure the care is in good shape and that you buy it at the exact right time to get the best deal with your financing. Keep in mind that a lot of the time the best time for you to buy a used car is close to the same times you would buy a new car.

Before You Need One

We know that this is something that sounds obvious but you will want to make sure that if you are thinking about getting a used car that you have started looking at all of your options well before you get to the point that your current car is breaking down. This will help so that you don’t rush into a decision about a car when it’s time to replace your current car.

If your car is broken then you will be in a hurry to get it replaced and won’t have the luxury of taking your time to find a car that is in great shape and is great for you and your situation.

Also, remember that if you drive your current car until it is undrivable then you will have a hard time getting a good trade amount out of it or even being able to sell it. Start looking as soon as you know you are going to replace your current car so that you know what options are available to you for a car and financing.

Certain Holidays = Certain Good Deals

There are three holidays you should keep in mind when you are looking for a used car and they are Veteran’s Day, Black Friday, and Christmas Eve. These holiday weekends are the best ones out there for sales on used cars. These are the holidays you should save for but you should avoid the holidays in which a lot of families gather like Easter Sunday because you are less likely to find people that are willing to sell on those types of holidays and the prices of the cars will be higher.

Because dealers have many price incentives and sales on new cars on the lot during these times it means that they should have many trade-ins on the lot as well. Most of the time a car dealership would rather sell the used cars to their customers because if they don’t then they will get less money out of them at auction.

Good Weather Days

If you go to a lot on a gloomy day there are many more defects that can be hidden or aren’t noticeable. If you drive off the lot without seeing these then you will have to pay to fix them later. Make sure you go on a day that is nice and sunny out so that the defects aren’t hidden from you and you will have the leverage to negotiate the price of the car. You will also find a lot more personal sellers out on a nice sunny day cleaning up their cars to get them ready to sell.

Off-Season

Another way to save money when buying a used car is to maybe buy a convertible in the middle of winter or look for an SUV that has 4WD in the spring. This is when the sales for SUVs will be good and gas prices will be going up so many owners will want to get rid of their SUV quicker in order to save themselves the gas money. Just keep in mind that this will not work if you go to a large car dealership. They are already aware of these trends and they will rotate their inventory around the country to compensate for it. Your best bet is to go to a small dealership or find a personal owner.

Another idea related to this is to get a vehicle in the middle of winter. This is because most people will not want to be out looking at a vehicle or test-driving one in the middle of winter and because of this, the prices will be lower. If you look in the spring the demand is higher and there are a lot more people looking so you will see that reflected in the price.

Auto Shows

An auto show means there is a huge supply of new cars and this, in turn, means that there are a ton of cars being traded in and so there will be a large number of used cars for you to choose from. You will also have the advantage of the auto show being in town for quite a few weekends so you will be able to take your time in getting a used car.

Another piece of the puzzle is looking at getting a used car when a new model comes out. When these new models come out then there will be a spike in the sale of that particular model. This, again, gives you a bunch of used cars to choose from as people trade in their old car for the new one. Take advantage of the fact that most people want to keep up with the latest and greatest in technology so they trade in their perfectly good used car and you will find a great deal for yourself.

When You Are Prepared

The last thing you need to do is make sure you are prepared to get a used car for yourself. Make sure you have done all of your research before you decide on what car you want. You should look at rankings and reviews, know where your credit score is, and get pre-approved for financing. All of these steps and keeping in mind the above tips will help you to make sure that you get a used car that is best for your situation but is also a car that you won’t regret purchasing.

 
 
 
Auto Now’s Buy Here Pay Here Dealership Makes the Car Buying Process Easier  Nov 5th, 2018 

Auto Now’s Buy Here Pay Here Dealership Makes the Car Buying Process Easier

Auto Now is a buy here pay here dealership in the greater Kansas City area serving citizens of Kansas and Missouri. We have been in business for over 20 years. Our mission is to provide safe, reliable, affordable transportation to the decent citizens of Kansas and Missouri. Our motto is “Financing Your Future Not Your Past” and we are deeply committed to this.

Here at Auto Now, when you finance your vehicle purchase through us you are dealing with us, a member of your community, not some faceless, distant finance company. We, Auto Now, extend you the credit for the purchase of your vehicle. You will select your vehicle, arrange and tailor your financing and make your payments right here with us, Auto Now. Auto Now’s experts will tailor your vehicle financing to fit your particular needs.

Having been in business since 1996 with the goal of providing quality reliable transportation at the best possible prices we here at Auto Now are experts at what we do. What we do is put you in the driver’s seat in the fastest, easiest, and most convenient way possible. We’ve done it for over 20 years for thousands of Kansas and Missouri citizens.

The Auto Now Buy Here Pay Here Process

Your first step with Auto Now is to fill out an application. You can do that online or in one of our many conveniently located shops. We’ll need your basic information only - name, address, time at residence, employment, how long you’ve been on the job, and, how you learned about us. We can often approve you for financing in as little as 10 minutes.

There are just three things Auto Now requires of you to approve you for financing. You must be at least 18 years of age. You must hold a current valid driver’s license. You must have take-home wages (after taxes) of at least $1,200 per month. Bring your pay stubs and driver’s license with you when you come in to make your financing arrangements.

You’re ready after approval to pick out the vehicle of your choice. Your approval is good for 30 days and if you haven’t decided before that time is up then you’ll just re-apply. If you’ve moved or changed jobs in that 30-day period, we may have to ask you to fill out another application.

Why Choose Auto Now?

Auto Now prides itself on affordable rates and terms. Our average payment is as low as $80 per week. Auto Now wants you to live stress-free and therefore we specialize in short-term loans so you don’t have to have 72 months of car payments hanging over your head. Our experts will sit down with you and tailor a financing package to suit your specific circumstances.

We have hundreds of vehicles available at Auto Now at our many locations here in the Midwest. Auto Now has everything from small cars to full-size trucks with all the types and sizes in between. These are top of the line vehicles from trade-ins at dealerships, auction purchases, and direct trade-ins. Every vehicle is thoroughly inspected by independent mechanics and is covered by our 24-month/24,000-mile powertrain warranty with a low $200 deductible. We want happy customers with reliable transportation so we are committed to providing you with a quality, trouble-free vehicle.

Making your payments is easy with Auto Now. We offer direct payment at any of our five locations by money order or check. You can also pay by phone or online. We have an easy to navigate payments portal for customers who wish to pay online. Additionally, we offer Easy Pay Direct Debit for automatic payments from your checking account.

Our Auto Now experts will look for and locate any rebates or cash-back deals that are available for you.

Auto Now doesn’t just want your business today but in the future too because customer satisfaction and customer support are paramount to us. Auto Now offers referral incentives and programs to reward repeat customers.

Our motto is “We are financing your future not your past” so if you have less than a pristine credit score we can help you with that. We will make it work for you.

Auto Now offers you the opportunity, if needed, to either establish or rebuild your credit rating. Making your Auto Now payments in a timely fashion as well as complying with the other terms of your contractual agreement will improve your credit rating. With the improvement of your credit rating, you may be able to refinance your vehicle purchase with a bank or other auto financing institution during the life of your loan from Auto Now for a more favorable interest rate.

Currently, we are offering a $200 Internet Discount so don’t wait! Get started with Auto Now today.

Buy Here Pay Here Financing in Olathe

Unlike traditional dealerships, Auto Now allows you to skip the process you’d go through at a traditional dealership of finding the car you want and then going to a bank or auto financing institution and then waiting for loan approval. We can approve you and get you out the door in your registered vehicle within the day, sometimes in as little as 30 minutes. Approval can take as little as 10 minutes and you can apply online from the comfort and convenience of your home.

Since we are financing your purchase, we can tailor your financing plan to fit your needs and income. We can set the payment dates to match when you receive your check at work. We can offer you a payment as low as $80 per week. We have a variety of payment/finance plans that will work for you. Auto Now experts will sit down with you and discuss in depth and detail your specific set of circumstances in making your financing arrangements.

We have locations in the Kansas City region to serve you across the Kansas City, Independence, Belton, Olathe, Topeka, and the Kansas City Metro area.

Auto Now is a member of your community and we have many happy community members as customers. Reach out and talk to them about our excellent services. As a community member, we are committed to providing excellent service through reliable, affordable transportation. Since 1996, Auto Now has provided thousands of Kansas and Missouri citizens who have less than optimal credit scores the opportunity to get the vehicle they want and need.

We here at Auto Now promise to make your vehicle buying experience a smooth, seamless, quick, convenient, and painless process so you can get back to all the things that you need and want to do.

 
 
 
Buy Here Pay Here 101: What You Need to Know  Nov 5th, 2018 

Buy Here Pay Here 101: What You Need to Know

What Is Buy Here Pay Here?

A buy here pay here dealership (BHPH) is an automobile dealership where the automobile dealer itself extends credit to the purchaser of an automobile or has an arrangement with a finance company with a relaxed approval criterion.

Buy here pay here dealerships offer a unique opportunity to create or improve your credit history. Given prompt, timely payments to the buy here pay here dealership and adherence to the terms of the contractual agreement, customers can improve their credit scores and then seek a lower interest loan through a traditional auto loan financing institution at some point during the life of the purchase.

A buy here pay here dealership will be able to match up your payment dates on the automobile loan with your paycheck dates from your job. Generally, they will let you select between monthly or bi-weekly payments. All of this will make it as easy as possible to make your payments in a timely manner, thus building your credit score.

Which Dealerships Offers Buy Here Pay Here?

If you see ‘buy here pay here’ written across the windshield of a car, it is a buy here pay here dealership. It’s the same if they write ‘We Finance’. If you go to a franchised dealership like Chevrolet or Dodge that advertises ‘financing’ or ‘rebuild credit,’ those are generally code words meaning ‘buy here pay here’.

Typically, in the past, traditional car dealerships have shied away from the buy here pay here model; however, that is no longer the case. Many franchised dealerships offer buy here pay here on their used car lots - Chevrolet, Dodge, Ford, are just a few examples.

Pre-Qualification

You will not initially search for the car you want right off the bat. First, you will be pre-qualified for up to a specific amount the buy here pay here dealership is willing to lend you. You will then look among a group of pre-owned vehicles for which you qualify for. This will avoid any disappointment on your part having fallen in love with a particular car and then finding out you can’t have it.

Typically, in the past, only older model, high mileage cars have been available for buy here pay here, but that is no longer the case.

Qualifying for a Buy Here Pay Here Loan

You are a buy here pay here candidate if you want to trade-in an older model car and/or have little or no money for a down payment and/or if you’ve had a hiccup in your credit history. You might be a recent graduate with little credit history. You might be a new employee. You might be a returning veteran job hunting with a temporary job. You might be a returned employee after a layoff, illness, or injury. You might be a newly single woman entering the job market after a career as a homemaker. You might be a victim of economic downturn having to have sought relief in the bankruptcy courts. You might be a part-time employee. You might be someone with a less than optimal credit history. buy here pay here dealerships will allow you to purchase a vehicle where a finance company or bank would turn you down for a loan.

Further Incentives

Buy here pay here dealerships will engage with you and seek out available dealer incentives such as cash back rebates. Reputable buy here pay here dealerships will offer a warranty on the vehicle you’re buying. buy here pay here dealerships will offer you top dollar for your old model trade-in.

One of the benefits of buying a car from a buy here pay here Dealer is that you will, if you have an address and steady income, walk out having purchased an automobile for little or no money down. Typically, a buy here pay here dealership will offer you top dollar for your pre-owned car, truck, van, or SUV.

Another benefit is that buy here pay here dealerships simplify the process of purchasing of a car, making the purchase and financing a one-stop experience. Payment is made directly to the dealership, further simplifying the experience. Unlike banks and other auto lenders, a buy here pay here dealership is not limited to a loan that is based on the value of the vehicle.

At some buy here pay here dealerships, vehicle insurance is included in the purchase price and thus the monthly payments you make. This further makes the car ownership responsibilities easier and indeed a one-stop shopping experience.

Yet another benefit of making a buy here pay here auto purchase is if you are trading in an older model car with a buy here pay here dealership purchase you will be able to purchase a better, newer, safer vehicle than you might otherwise. This will result in saving you money over the long run in repair, maintenance, and operating costs.

Almost every buy here pay here financing dealership will be connected with the appropriate jurisdiction’s Department of Motor Vehicles. The buy here pay here dealership will be able to get your new car registered and the tags on the way before you step out of the door.

As in any business dealings, it’s recommended that you get all promises and conditions in writing before you sign.

Auto Now Wichita

Auto Now Wichita is your trusted buy here pay here dealership serving the Wichita area. Regardless of credit history, Auto Now Wichita buy here pay here dealership can get you into a great car day.

 
 
 
Not Sure If You Can Buy a Great Used Car with Your Credit History? We Can Help  Nov 5th, 2018 

Not Sure If You Can Buy a Great Used Car with Your Credit History? We Can Help

When you think about life’s necessities, there are several that come to mind - having a roof over your head, food on the table, and money in your pocket. Another necessity for many people is a reliable, dependable vehicle, something you can drive back and forth to work in and something you can rely on to keep your family safe and protected.

At Auto Now, the leading buy here pay here” dealership in Kansas and Missouri, our mission is to ensure that every person, no matter their credit issues in the past, has access to just that type of vehicle. We understand that life happens, and our first-class staff makes it their daily goal to work with customers who are looking for dependable buy here pay here cars at a price they can afford.

Because we act as the bank here at Auto Now, you never have to deal with pushy, demanding loan officers or reams of paperwork that pry into every aspect of your credit history. Instead, let us look under the hood and explore a bit deeper into why a customer with past credit issues trust the buy here pay here process at Auto Now in Wichita.

Our Primary Goal Is Your Satisfaction

No matter what you’re trying to purchase – a home, a car – it can be very difficult getting a loan from a traditional bank if you have had credit issues in the past. In addition, loan officers at banks are interested in one thing - how much of a credit risk is each person who walks into the bank. They don't really care about WHY a person is looking for a loan, only how likely it is that the person will repay the loan in a timely manner.

That is the primary difference between the big banks and the helpful staff here at Auto Now. Our primary goal is putting you into the vehicle that suits your needs and your budget. It is our mission and our promise to you. We are car people and we know how vital having a dependable vehicle is for so many people out there. On top of that, we believe strongly that dependable vehicles should not be available only to those people with spotless credit histories. Why should mistakes and bad things of the past affect your present needs?

Our loyal customers have been making Auto Now THE buy here pay here destination in Kansas and Missouri for the past two decades, and we intend to serve them for the next two decades! They are hard-working, independent people just like you and they want to avoid all the red tape and bureaucracy rampant at the big banks today. Pick a car, sign a contract, and drive off in the car that suits their needs. That is what they want and we think that is what you want as well.

We Make It Easy, Whatever Your Credit Score

We have already talked about some of the advantages of the buy here pay here process at Auto Now, but there are plenty more to discuss. One is our easy application process, something you know you will never experience at the big bank down the road! It is a straightforward procedure that does not try to pry into every little nook and cranny of your credit history but rather tries to understand how much vehicle you can afford while providing you with the dream car you have always wanted.

In addition, at Auto Now in Wichita, all credit types are accepted. Spotless credit? Great job! Past credit issues? No problem, we can always work something out and if you do not believe us, ask any of the thousands of satisfied customers who have been coming back to Auto Now for over 20 years.

Simple, Fast, Perfect for You

If you go the bank route to obtain a car loan, you can be sure that when you finally fill out all the paperwork and answer all the questions, you will have a nice, long wait while the loan department processes your application. Not at Auto Now! Here, we are motivated to serve you, our customer, as quickly and painlessly as possible, so we have streamlined our application process so that it provides some of the fastest approval times in the industry. We understand that sometimes approval on a car loan is the difference between having to call out of work and providing a paycheck for your family, so we ensure that we get your application processed as quickly as possible.

These days, a savvy consumer has to shop around from bank to bank to get the best interest rates on any type of loan. Here at Auto Now, we know that can be a real pain in the neck, especially when all you want is a quick, easy way to get the vehicle you need here and now. That is why we work hard with our credit department to ensure that you have access to the lowest interest rates possible and that you are confident that they are the best in the area. We want your business and that means giving you access to the best lending terms in the industry.

Does anyone these days think the big banks are in it for the customers? Not likely. They are in it for the bottom line, and that means that whether your credit is pristine or a little less than perfect, it does not really concern the loan officer at the bank. They only care about whether you can pay the loan off or not. At Auto Now, we actually care about your credit and we want to work with you to rebuild it if it is less than perfect. Not only will our qualified loan officers craft the perfect loan agreement for your needs, but we will also give you advice as to how this agreement can help bring your credit back to a place where you can be confident and proud. We understand that a happy customer is a frequent customer and we want all your car-buying business!

At the end of the day, we know it is about getting you into the perfect car for your life situation, and we at Auto Now want you to know that we are always ready to help. So come on down to one of our many locations and see what we can do for you today!

 
 
 
Benefits of Buying a Car from a Buy Here Pay Here Dealer  Nov 5th, 2018 

Benefits of Buying a Car from a Buy Here Pay Here Dealer

Let’s face it. The world doesn’t run on cash; it runs on credit. Your credit rating is the deciding factor when looking for a place to live, rent, or when starting a new business. It’s the same with purchasing a new car. Just a few bad financial turns in life can ruin anyone’s credit. And just like a house damaged by a tornado, rebuilding your credit can take time, effort, and patience. In the meantime, securing an automobile loan will result in many denials from traditional auto dealerships.

Buying a car at a buy here pay here auto dealership can shorten the process of repairing your credit. We pride ourselves with being one of the most trustworthy and dependable buy here pay here auto dealerships in the country. We take great strides when it comes to helping you purchase the right vehicle regardless of your current credit situation.

Us versus Them

Traditional auto dealerships partner with banks. These banks are the ones who decide whether your credit is good enough for a new car loan. You can avoid the headaches and hassle by car shopping with us, a buy here pay here dealer in Wichita. As a buy here pay here auto dealership, all of our loans are financed in-house.

There are no banks involved at all with our car-selling process. No third party to give a thumbs up or thumbs down based solely on your current credit status. Even if you work full time and can make the payments, your creditworthiness is usually the deciding factor for a majority of banks. Not so with us.

A Variety of Cars from Which to Choose

We have a wide variety of car brands on our Kansas and Missouri lots ready and waiting for you. If you’re looking for your first car and aren’t sure which brand suits you, choosing a buy here pay here auto dealer can help narrow your choices. Come in a test drive that new Ford, Chevy, Nissan, or Toyota. We know there are dozens of brand-specific auto dealerships across the city. Why not let us help you save some gas and stop here first? You won’t have to drive all around town to find that one particular vehicle.

Easy Car Buying Experience

At our buy here pay here auto dealership, buying a new car is as simple as picking, signing, and driving. You pick your car. You sign the contract. You drive away. It’s a hassle-free, headache-free car buying experience for everyone.

When you make a down payment with us, rest assured that it will be a reasonable percentage. You, the customer, are our top priority. Making the car buying process as simple and painless as possible for the customer is our highest priority. Once you have made a down payment and agree on our affordable, small monthly payments, you’re ready for that much-needed vehicle financing.

Applying for a new vehicle is as simple as it could be. Easy application, credit leniency, and speedy approval times are just a few on a list of advantages when you purchase a buy here pay here vehicle from us.

Completing an application is the first step in getting the vehicle of your desires. Simply provide us with the general basics - your name, address, place of employment, social security number, and your monthly earnings. Some references may also be required. And don’t worry. All of your personal information is safe with us. We never sell it to anyone, for any price.

However, if required by law we may be obliged to share your information with local and/or federal law enforcement.

We also work with you to help rebuild your credit. Moreover, as a buy here pay here auto dealer we always offer some of the lowest interest rates compared to our competitors.

Repairing Your Credit

As a buy here pay here dealership in Wichita, KS we have a tried and tested system of paying back a loan that will help consumers with credit issues become more financially responsible. We get our customers in the habit of repaying their loan from us twice a month. As stated before, this process of repaying in person for a year or more will help customers become more responsible with their debt repayment practices.

Affordable Down Payments

Customers will also discover that our down payments are much more affordable than traditional auto dealerships. As mentioned before, traditional auto dealerships collaborate with third-party lenders who decide the price and percentage of a loan. On some occasions, traditional auto dealerships will require as much as 10% of the vehicle’s selling price as a down payment.

As a buy here pay here auto dealership, we can be much more reasonable. The only requirement for receiving a loan through our in-house financing is as convenient as a single monthly payment. That’s it.

The Choice Is Yours

It’s ultimately up to you, the customer, to decide on who to buy their new vehicle from. While we’d love to do business with you, but we encourage all of our potential customers to shop around as we’re sure you’ll see our dealership offers you the best deal. Do your homework and discover which road is worth taking - traditional auto dealership or a buy here pay here dealer such as us.

We have a long history within the community and a great track record when it comes to providing reliable cars to the public. We have one of the best customer satisfaction ratings in the state. We also include are CARFAX report, free of charge with all of our used vehicles. We want the customer to rest easy when buying from us.

 
 
 
Auto Now Opens New Location in Wichita, KS  Nov 5th, 2018 

Auto Now Opens New Location in Wichita, KS

18 September 2018

As Kansas and Missouri’s leading buy here pay here dealership chain, Auto Now has for decades been offering the highest quality used vehicles to our patrons through the most flexible financing terms possible. Today, we are proud to announce we are opening our sixth branch, in Wichita, KS.

As a buy here pay here dealership, Auto Now offers a one-stop solution for buying a used car and paying the financing. As we handle the financing of vehicles in-house, we are uniquely able to offer our customers better rates and impressively versatile repayment options.

In particular, customers who have been turned away for financing from traditional lending establishments like banks or even used car dealerships in Kansas and Missouri find that they are able to get financing through Auto Now. Previous credit issues are not a problem at Auto Now, provided you are able to show proof of income.

All vehicles are offered with a 24-month/24,000-mile warranty, so you know that you’ll be buying a quality car in top condition.

Auto Now is waiting to serve you in, our now six locations across Kansas and Missouri –

  • Auto Now Wichita, Kansas - 1660 S Seneca St, Wichita, KS 67213
  • Auto Now Topeka, Kansas, 116 SE 29th St, Topeka, KS 66605
  • Auto Now Olathe, Kansas, 1404 East Santa Fe Street, Olathe, KS 66061
  • Auto Now Independence, Missouri, 10500 U.S. 24, Independence, MO 64053
  • Auto Now Belton, Missouri, 307 E North Ave, Belton, MO 64012
  • Auto Now 79th & Wornall, Kansas City, Missouri, 7901 Wornall Road, Kansas City, MO 64114

Customers in the Wichita area, from Wellington to Newton, from Kingman to El Dorado can contact our Wichita branch at (316) 262-3000. The Wichita branch is open from 9 am to 7 pm on Mondays, Tuesdays, and Thursdays, and 9 am to 6 pm on Wednesdays, Fridays, and Saturdays.

 
 
 
Buy Here Pay Here Cars Have Received a Comprehensive Inspection from a Qualified Auto Mechanic | Auto Now KC  Oct 30th, 2018 

Buy Here Pay Here Cars Have Received a Comprehensive Inspection from a Qualified Auto Mechanic

Before making any big purchase, it's a good idea to research your options and make sure you're getting something reliable. This is already second nature for most of us—whether we are buying something as pricey as a laptop or cell phone or even more modest expenses like a blender or a knife, the first thing we do is go online and scroll through a bunch of customer reviews. This is just common sense. No matter how much you spend on a product, you should expect it to perform well.

Sometimes, however, even after we do our due diligence we still end up with a product that doesn't live up to our expectations. This isn't the end of the world with a smaller ticket item that we can easily afford to replace, but if it's a more expensive purchase, we can be in serious trouble…and as far as purchases go, they don't come much bigger than a car, truck, or SUV.

That's why savvy car shoppers do everything in their power to make sure the vehicle they are buying is in great shape before they commit. This can be tricky with pre-owned automobiles since you can't exactly bring up a detailed review history of the individual vehicle in question, but you can visit a dependable dealership that features buy here pay here cars. Each and every vehicle on these lots is thoroughly inspected by a qualified auto mechanic before being approved for sale.

If you are not a mechanic yourself, you may be wondering just what goes into one of these inspections. The first thing that happens when a pre-owned vehicle arrives at a reliable buy here pay here dealership is that a local, qualified auto mechanic drives it into the garage. Then, they examine the automobile inside and out, from bumper to bumper. Occasionally, cosmetic imperfections may be allowed to remain in order to keep the price tag as low as possible, but any and all safety or mechanical issues are always fully repaired. If any car is found to be mechanically unsound or otherwise unreliable during this comprehensive inspection, it is immediately rejected and returned to the auction or wholesaler.

So, if you are looking for the best, most reliable pre-owned automobiles available at nearby metro locations, come visit Auto Now. We have a very high standard for the vehicles we sell on our lots—the vast majority of our buy here pay here cars in Kansas City, Topeka and Wichita Kansas are trade-ins from new car dealerships. We also put our money where our mouth is, guaranteeing our cars, trucks, and SUVs with a 24-month, 24,000-mile warranty. Unlike many limited warranties, our package includes everything from the engine and transmission all the way down to the starter, alternator, and even the air conditioner. We stand by the quality of our cars, because every single one of them has been approved by an expert mechanic.

Auto Now is dedicated to leasing and selling only the most dependable pre-owned vehicles available. We have several locations in the Kansas City region, including Kansas City at 79th and Wornall, Independence, Belton, Olathe, Wichita and Topeka. Come visit us today!

 
 
 
A Buy Here Pay Here Car Dealership Saves You the Trouble of Getting an Auto Loan from the Banks | Auto Now KC  Oct 30th, 2018 

A Buy Here Pay Here Car Dealership Saves You the Trouble of Getting an Auto Loan from the Banks

If there's one thing that everyone can agree on, it's that waiting around for something is the absolute worst sensation. Whether we're talking about a late pizza delivery when we're starving, an important text or email response that's taking forever to arrive, or being stuck in endless traffic, when we need something, the last thing we want is to have to wait around twiddling our thumbs. This is especially true when we're just trying to make a purchase—we know what we want, so why on earth should we be kept waiting? There's just no excuse for it.

Unfortunately, shopping for a car is one of those processes that always seems to involve a lot of waiting around. Parts of the experience are exciting, of course, because there's nothing better than picking out a new ride. This is doubly true when your new set of wheels is going to carry you to a new job or school, or accommodate a new addition to your family—whether it's a work truck that can finally fit all your tools or a teenager's first car, a vehicle is one of those few purchases that is both fun and highly practical. Yet once you've picked out the perfect automobile, the excitement dries up pretty quickly and the waiting begins.

Visiting banks and other third-party lenders to see if you can get a better rate than offered by a dealership. Waiting around in lobbies, filling out loan forms. Who has time to visit a financial institution to ask for a loan, jump through all their hoops, then go to a dealership and pick out a car, and then go back to the bank for a check, and then back to the dealership? We're exhausted just writing it all out!

The good news is that it doesn't have to be this way. A buy here pay here car dealership in Kansas City, Topeka, Wichita, Olathe, Belton or Independence such as Auto Now simplifies the whole process, saving you a ton of time and unnecessary running around town. Many dealerships insist that you acquire financing before they even let you onto their lot, but a buy here pay here car dealership allows you to stop by whenever it is convenient for you, browse as much as you want, and then set up financing on the spot when you find something you like. Not only can you immediately make your down payment, but they will also help you figure out exactly how much you can easily afford to pay each month without the risk of falling behind on your payments. Once you agree to a figure, you can even set up an online payment system so that you don't have to send in checks or return to the dealership to make your monthly payments.

Auto Now is a buy here pay here car dealership in KC, Wichita and Topeka and we are committed to minimizing your wait time for a new vehicle. With our convenient metro locations in Kansas City, Independence, Belton, Olathe, Wichita and Topeka, you won't have to drive all the way out to the boonies just to look at a car, either. Come visit us today, and you can drive your new car home!

 
 
 
Buy Here Pay Here Cars for that Much Needed Additional Vehicle for the Family | Auto Now KC  Oct 8th, 2018 

Buy Here Pay Here Cars for that Much Needed Additional Vehicle for the Family

For your parents' generation owning a second car was considered a luxury, but in the modern era it is a necessity for most families. That's because in over 60% of American households, both parents are now working some sort of job, and most jobs obviously require reliable transportation. Even for families where only one parent is employed, a second vehicle can make a world of difference when it comes to shopping, taking care of the kids, and all the other essential errands.

Fortunately, when you factor in inflation, cars are relatively more affordable than in generations past, so picking up a second vehicle doesn't have to be a financial hardship. Then of course there's the fact that your second family car does not need to be a brand-new model purchased from a dealership. You can save money without sacrificing quality by shopping for buy here pay here cars at various Kansas City metro locations, from Independence all the way to Topeka and don't forget Wichita. Provided that you go with a reliable buy here pay here auto dealership, you will have a huge variety of vehicles to choose from, and at very decent prices, to boot.

When deciding exactly what sort of pre-owned car or truck would make the ideal second car for your family, it's worth taking the time to consider what you already have. A few families may really like the make and model they already have and choose to own two of the same car, but most folks find it is beneficial to purchase something a little different from what they already own. That's because while having two of anything is useful in case the first one is in use or ends up in the shop, it can be even more advantageous to have a second ride that has its own specific benefits. Different vehicles serve different uses, after all, so depending on your family's unique needs, it may make more sense for your second vehicle to be a fuel-efficient sedan for running errands, a heavy-duty work truck, or a big SUV for ferrying the kids around. Regardless of what kind of vehicle you settle on, however, there's no reason to drop a fortune on a new car that will plummet in value as soon as it leaves the lot. Instead, check out the range of buy here pay here cars that will do the same job at a fraction of the cost, then use the money you saved to take the family on a roadtrip next summer.

Speaking of money, that's another consideration that makes a buy here pay here car dealer so much better than a new car lot. They help you secure financing and set up a payment plan on-site, saving you the time and hassle of going through banks or other loan institutions. For both price and convenience, you can't beat buy here pay here cars.

When it comes to buy here pay here cars, Auto Now is the very best in the business. We have several metro locations in the Kansas City region to serve you, including in Wichita, Kansas City, Independence, Belton, Olathe, and Topeka. Come visit us today!>

 
 
 
A Buy Here Pay Here Car Lot Near You Has that Road-Worthy Vehicle You've Been Seeking | Auto Now KC  Oct 8th, 2018 

A Buy Here Pay Here Car Lot Near You Has that Road-Worthy Vehicle You've Been Seeking

Everyone knows the importance of having a car for getting to and from work, but did you know that some 30% of civilian occupations actually require driving some sort of vehicle while on the clock? That's well over one in four jobs, according to the U.S. Bureau of Labor Statistics, and that extraordinary percentage is only going up. We sometimes assume only long-haul truckers, delivery service drivers, or police and other first responders need to drive as part of their jobs, but there are actually countless other employment opportunities that need you to get behind the wheel at some point in your shift. All of you professional road warriors know you need a dependable vehicle that is up for the demands of the job and the inevitable bumps along the way.

Of course, it is worth keeping in mind that if you need a vehicle for your job, it might be worth picking up a reliable second car exclusively for work. That way you don't have to worry about all the miles and general wear and tear you're accumulating during your shift, saving your primary vehicle for personal use. Regardless of whether your intended work car will be your only means of conveyance or a second vehicle, it doesn't make much sense to sink an outrageous amount of money into a brand-new car from a Kansas City dealership Topeka Dealership or Wichita dealership when you could acquire something just as good from a local buy here pay here car lot.

Owning a road-worthy vehicle is obviously mandatory if you already have a job that requires you to provide your own transportation, but purchasing a reliable pre-owned car can also be the key to advancement at work or possibly even landing a new job altogether. This is especially true for insurance sales agents, maintenance and repair technicians, sales managers, pick-up services and other couriers, small business owners in the service sector, home health aides, construction workers, social service professionals, landscaping professionals, computer support technicians, and plumbers, electricians, pest control experts, and all other types of service professionals. The one thing all of these occupations have in common is the common requirement that you bring your own vehicle to work, and if you want to keep your job, that vehicle has to be reliable.

Reliability is key since if you can't drive, you can't work, but affordability is also crucial. That's why so many savvy road warriors turn to Google and search for a "buy here pay here car lot near me." Doing so will inevitably turn up Auto Now, which offers an amazing array of affordable pre-owned cars, SUVs, and trucks in convenient metro locations.

Here at Auto Now we pride ourselves on no-hassle auto leasing and sales, and our top priority is always providing the customer with a reliable pre-owned vehicle. We take this task so seriously that literally every car on our lot has passed a comprehensive inspection by a certified mechanic—if a car doesn't pass, we don't sell it. Furthermore, we back up our claim with a two-year warranty. Come visit any of our metro locations—whether you are in Kansas City, Independence, Belton, Olathe, or Topeka, we even have a location in Wichita, KS we have a lot filled with dependable cars ready to take you to work.

 
 
 
Buy Here Pay Here Cars in Kansas City for that Working Student | Auto Now KC  Oct 2nd, 2018 

Buy Here Pay Here Cars in Kansas City for that Working Student

There is no getting around the fact that to truly excel in this day and age, you need to get a college education. At the same time, it seems like universities and junior colleges are constantly raising the cost of tuition, books, and everything else. Small wonder, then, that so many people work a full- or part-time job while attending school: recent studies have shown that nearly three out of every four college students have worked at least one job while pursuing their degree. The number of working students is only expected to go up, too, in order to keep up with the rising cost of education.

Pursuing a college degree is obviously an enormous time commitment even without factoring in a job. On top of classes, you also have to account for study groups, time at the library, and extracurricular activities, and juggling all that with work can be a handful. With time being such a precious commodity for the working student, a reliable car is absolutely essential—even if you're in a sleepy college town that might seem small enough to navigate with a bike or public transportation, the average American spends nearly half an hour driving to work every single day, so having your own set of wheels will save you countless hours in the long run. Then, of course, there are all the employment opportunities that flat-out require a car, from delivering pizzas to all manner of courier positions.

The issue is that while virtually all working college students need a reliable mode of transportation, most of them are fairly young and have never bought a car before. That means they have not yet built up a lot of credit, which can make it difficult to acquire a decent vehicle in the first place. The best course of action for people in this situation is to look into a dealership that offers buy here pay here cars, as they expressly cater to customers with low credit.

Unlike most used car lots, Auto Now offers pre-owned vehicles with no down payment, which makes them ideal for college students. All you need to do is bring in your ID and your last paystub. Well, that and pick out a car from the massive inventory! Once you have picked out the perfect vehicle, our dealership will help you settle on a monthly payment amount that is based on your income and the cost of the car. We will even help set you up with an online payment plan, which is both convenient and helpful for successful budgeting—when you are focused on your education, the last thing you need is to worry about falling behind on your payments, after all.

As a buy here pay here dealership, Auto Now is committed to no-hassle auto sales. We have several locations in the Kansas City region to serve the working college student and their family, including Kansas City, Independence, Belton, Olathe, Wichita and Topeka. Come and visit us before the semester gets any busier!

 
 
 
Searching for a "Buy Here Pay Here Car Lot Near Me" to Find a New Car?  Oct 2nd, 2018 

Searching for a "Buy Here Pay Here Car Lot Near Me" to Find a New Car?

Whether you are looking for your very first car or have owned a dozen over the years and are trying to find lucky thirteen, chances are you are going to do a little research before making your purchase. Back in the day, this could be difficult for anybody not lucky enough to know a mechanic or other automotive expert, but nowadays researching vehicles and financing is as simple as getting online. According to a recent study, nine out of every ten shoppers surf the internet before making any serious financial commitment, and few purchases are as major as an automobile. Of course, unlike a new toaster oven or fishing rod, a car is something you will definitely want to purchase in person rather than ordering online, so the sensible starting place is to search for something like "buy here pay here car lot near me."

The reason it makes more sense to start by searching for a local buy here pay here auto dealership rather than looking up specific vehicles is that you don't want to get too hung up on one or two models. It has been statistically proven that if you set out only looking for specific vehicles like Ford F-150s or Toyota Corollas, for example, you will have to spend a lot more time driving around to different lots trying to find one, and may end up paying significantly more than a customer who has not committed themselves to a particular make or model.

Of course, there is nothing wrong with researching particular vehicles or brands; it just makes sense to explore a wide range of options. The experts agree that a more fruitful starting point is to look into buy here pay here car lots in the Kansas City metro area so that you can go and see what specific vehicles are available before you invest any time in researching them. Many folks also research their purchasing options online before beginning their search for a new car, which is a savvy approach—it just makes sense to figure out how you plan on financing your purchase and managing your payments before you commit to a major investment.

If you are fortunate enough to be able to shop in the Wichita, Topeka or greater Kansas City area, your online research will inevitably take you to the website for Auto Now.

Auto Now operates one of the most reputable buy here pay here car dealerships in the region. We offer a real-time inventory of the vehicles available on our lots so that you can browse what is available and research any potential purchases from the comfort of your own home or workplace. On top of all that, we allow you to begin the application process online, and our website even offers a secure payment gateway so that once you commit to your purchase, you can make your monthly payments online.

Auto Now is a buy here pay here auto dealer with five convenient locations: Wichita, Topeka and Olathe in Kansas, and Independence, Belton, and Kansas City in Missouri. You can also browse our selection of vehicles online to conduct a little research in advance, but our cars move fast and we're constantly updating our inventory, so come visit us in person today!

 
 
 
Car Buying Tips from a Buy Here Pay Here Dealership Near You!  Sep 25th, 2018 

Car Buying Tips from a Buy Here Pay Here Dealership Near You!

Buying a car should be a fun and exciting process, but if you don't have a ton of automotive experience, it can also be a little frustrating. You probably have a lot of questions, as well you should before making any big purchase. The good news is that the process doesn't have to be that hard, and no matter what sort of vehicle you want there is a vast number of well-built, recent model used cars to choose from. So long as you keep the following advice in mind and purchase your car from a reputable buy here pay here dealership, you can be confident that you're buying a quality vehicle.

The Best Time to Buy a Car

The first thing to decide upon is the best time to purchase a car. While the answer to this question obviously varies on a case-by-case basis, a good rule of thumb is that the best time to buy a car is when you need it, not just when you want it. Obviously, some folks flock to the newest, fresh-off-the-assembly-line models, and if you are chasing some limited production run sports car, you may need to buy it as soon as it's available, but the reality is that buying a brand-new car is a huge money sink with limited benefits—it's true that they lose thousands of dollars just as soon as they leave the lot. That's why most people start car shopping when the need arises, such as when they start a new job, move, or go away to college.

Do Your Research

Before making any large purchase, it is important to know what you are getting yourself into. So, do a bit of research into what sort of vehicle will best suit your needs not just in the short term, but also for your future. If you think you need a truck or SUV, try to figure out just how roomy it should be to suit yourself and your family. If the rising costs of insurance and fuel are a potential issue, you may want to look at smaller, less expensive options. If you are planning on starting a family, then a two-seater hatchback probably isn't for you. Just keep in mind that in order to get the best vehicle at the best price, you shouldn't get too caught up on an individual make or model, since hunting for one particular car will always end up being more costly and time-intensive than having a range of options to weigh against one another. Don't be afraid to ask your family and friends for recommendations, either, and remember that the best research is often done at the auto dealership, since their trained staff is familiar with what's actually available to you at any given time.

Make Financing Easy

Getting a small loan to buy a car shouldn't be a hassle, but banks can sure make it seem like it is, especially if your credit history isn't spotless. The good news is if you plugged "buy here pay here dealerships near me" into Google and you happen to live in Kansas, you are right down the road from AutoNow. As a Buy Here Pay Here Auto Dealer, we're dedicated to hassle-free auto sales, regardless of credit history. We have locations all over Kansas and Missouri, including in Kansas City, Independence, Belton, Olathe, Wichita and Topeka. See us today!

 
 
 
Advantages of Buying a Car from a Buy Here Pay Here Dealership  Sep 18th, 2018 

Advantages of Buying a Car from a Buy Here Pay Here Dealership

Advantages of Buying a Car from a Buy Here Pay Here Dealership

The popularity of Buy Here Pay Here (or BHPH for short) dealerships has been on the rise recently. Although the idea and concept behind it aren’t exactly new, the increasingly difficult economic situation makes it a great proposition for a lot of people. To put it simply, BHPH is a method of running an automobile dealership where the dealership itself extends credit to purchasers of vehicles. They transcend the boundaries and limits of what one would categorize as a ‘standard dealership’ and evolve into something much, much more.

Although it may sound somewhat intimidating at first, we can assure you, it is anything but. In fact, the entire concept was originally conceived to help the average customer acquire affordable means of transportation at conditions which suit him the most. At its very core, the BHPH system caters to the customer and his needs. At this point you’re probably already questioning its validity and the benefits, so allow us to break down the entire process and explain how it all works.

A Bit of History

BHPH originated in the early 1970s when the U.S. experienced a savings and loan crisis. Dealers still needed to move cars and people wanted affordable cars to be able to get on with their everyday lives. In a time when banks would not give out loans to a lot of good, reputable citizens, dealerships saw the opportunity to start lending out loans themselves and grabbed the opportunity. The 2008 financial crisis relaunched the BHPH concept and it’s been proven to work. With that out of the way, let’s get into why it makes sense and you should consider it before leasing or taking out a loan from the bank.

Extremely Fast Service

This one is pretty obvious, but it’s still well worth the mention. When getting a loan from the dealership itself, you’ll be starting and finishing the entire process completely in-house. You won’t have to wait for a loan approval from the bank nor as there’s no application processing time. You also don’t have to apply with multiple lenders backing you up, saving you a lot of time and unnecessary hassle. The dealership will be, in most cases, able to immediately provide you a guaranteed auto loan approval with which you can purchase the vehicle as soon as possible. If time really is money, then you’ve already saved quite a bit of cash by not dealing with third parties such as the banks.

Flexible Terms

The best part is that you set your own terms of repayment, not the bank. Want a seven-year loan? No problem. Want to stretch that time frame to nine years? Don’t worry about it. Dealerships like Auto Now are extremely flexible when it comes to making an agreement, most often than not they’ll go out of their way just to please you. The loan will be entirely based on what you need and want not on what the dealership requires. With banks, you play by their rules, not yours. Dealerships are much more laid back and stress-free. Each loan can be custom-tailored to match your needs, no matter if it’s a three-year loan or a nine-year one.

Competitive Interest Rates

People will bad or poor credit might soon realize that they have to visit an in-house financing lender. With poor interest rates, they’re two times worse than the banks. This is where the dealerships come in. Going through a reputable dealership and applying for a loan will yield interest rates similar to those found in conventional lenders. You’ll be basically getting the best terms possible from a dealership which only wants to move cars, not double-cross you. Dealerships have no real benefit from charging you with insane interest rates, as you’ll be purchasing a vehicle anyway regardless. It’s in their favor that they offer tempting interest rates to shift cars, essentially giving you the deal of a lifetime.

Low Down Payments

In most cases, you’re required to make a down payment before you even begin the purchasing or loaning out process. This wouldn’t have been so bad if the minimum down payment limit weren’t so high. In a lot of cases, it can stretch up to several thousand dollars, money most people with a loan don’t have. Luckily, dealerships require little or no down payments from their borrowers. As you can imagine, this can prove to be extremely useful as you won’t have to save up the money just to be able to afford it.

Rebuilding Your Credit

It’s a vicious cycle: you can’t rebuild your credit if you can’t get any credit to start with in the first place. The BHPH dealership system is the perfect way to start rebuilding your credit. Not only will they provide you with the basic transportation you require to live, but slowly start to reestablish the credit or rebuild a damaged one. As an installment loan, dealership financing is one of the best and fastest ways to improve your credit rating.

 
 
 
Advantages of Buy Here Pay Here  Aug 30th, 2018 

Advantages of Buy Here Pay Here

Advantages of a Buy Here Pay Here Lot

Owning a dependable, safe, and reliable high quality vehicle would appear to be a luxury according to some people, but the truth of the matter is that, without a vehicle, life is pretty hard. In some cases, it’s nearly impossible to survive without a ride. It’s hard to get a job if you don’t have your own vehicle and the simple things in life such as heading out to the supermarket become an ordeal when you are without your own means of transportation.

Dealing with a bank to get financing for a car can also be a dead end. Perhaps it is the headache and hassles they make you endure, or the fact that you’ll need to purchase full coverage insurance. Maybe prior credit problems prevent you from qualifying for a bank loan. No matter why you choose not to deal with the banks, choosing a Kansas or Missouri Buy Here, Pay Here lot is one of the best decisions that you can make when you need a trustworthy car that won’t cost you a small fortune.

Choosing to work with a Buy Here, Pay Here lot offers a number of advantages that you won’t find when dealing with a bank. Continue reading, and in no time at all, you will be ready to get in touch with Auto Now KC to make your next vehicle purchase.

A Poor Credit Rating Does Not Stop You from Buying a Vehicle

If you have problems with your credit, that is never a concern with a Buy Here, Pay Here lot like Auto Now KC. We understand that mistakes happen and sometimes people get trapped by unfortunate events. It’s really of no concern to us why you might have poor credit; everyone knows that the credit crunch and housing bust has caused problems for the best of us. It doesn’t take away from the need for a car that is going to get you and the people who matter most from Point A to Point B safely and securely.

When you work with Auto Now KC, we are “the bank” and make all the decisions. There is never even a credit check performed, so it doesn’t matter what your past credit looks like. This alone should take a great amount of weight from your shoulders and show you that we’re on your side.

Regardless of your credit, we have a vehicle suitable for your needs. These days it seems that there are fewer and fewer people with perfect credit, but thankfully Buy Here, Pay Here lots are around to solve the problem when ordinary Americans have the need for a vehicle.

A Wide Car Selection to Suit your Tastes

The selection of cars available at a Buy Here, Pay Here lot is not small and limited as some people assume. A misconception is the car selection must only include older cars which will fail the test of time. That is simply untrue.

Instead, there are a plethora of vehicles for you to choose from, no matter your preferred style or your budget. These are safe, reliable cars that will get you where you are going. Take your pick of great SUVs and crossovers, compact vehicles, trucks, and more. There are vehicles in all price ranges, too, ensuring that there is always a vehicle on the lot ready for you to drive off.

In fact, your options are usually wider when you choose a Buy Here, Pay Here provider, as traditional banks often put restrictions on the type, age, and condition a car is in before lending you money for it.

It is of course best to take the time to view all of the available vehicles to ensure perfect satisfaction with your vehicle, but Buy Here, Pay Here lots like Auto Now KC have built their reputation on offering the best cars at the best prices without any of the usual hassles for poor credit purchasers.

You Can Often Own your Car Faster<

Working with a Buy Here, Pay Here car lot allow you to make smaller monthly payment than you would with the bank and since most of the time you need only state required coverage, that is another saving. As we’re more flexible, you could choose to make bigger payments. Lots of the rules and regulations banks put in the place to ensure you are of no risk to them increase the interest cost to you. Added fees and surcharges add up. At the end of the day, owning your car in a much faster period of time is a great advantage that you are sure to enjoy.

Auto Now KC is a One-Stop-Shop

When you work with a Buy Here, Pay Here lot, it is a one-stop shop that provides you with ease and convenience of making just one stop for all your needs. What could be more frustrating than having to run here and there and back again just to make the purchase of a car? You will make your payments at the lot and never deal with anyone else, eliminating so many frustrations in the process.

Other services are available to accommodate your needs as well. These include servicing of the vehicle, parts, and accessories, etc. When you purchase from this lot, all of your needs are taken care of quickly and with ease, by the people who understand your car and your needs the most.

No Red Tape; Easy Qualification for a Car Loan

Dealing with banks is rarely something anyone will describe as an enjoyable experience. To easily avoid the hassles, you can work with a Buy Here, Pay Here lot when you need to purchase a vehicle. It is much easier than working with the bank, and qualifying is also a lot easier. When you need a car, do you really want to wait weeks on end to find out if you qualify? Working directly with the dealership ensures that you are in a vehicle quickly and without the endless paperwork. It seems that nothing in life is easy these days, so when you get the chance to make life easier, take advantage of that opportunity.

A More Personalized Experience

In Kansas, you want the experience of purchasing a car to be personal and dealt with by local Kansas professionals. You want to feel like more than just another number or another customer, and that your needs matter. You want your questions answered and your concerns handled. You want to be heard and feel like you matter.

At Auto Now KC, that personalized experience always awaits you. Working directly with the dealership provides the personalized attention that you want and deserve, ensuring that your concerns are heard and that your needs are met. You deserve such an experience when making a purchase as important as a vehicle.

Less Paperwork

Unless you are the one in a million, paperwork is not something that you enjoy doing. But, when you buy a car with the bank, there is always a ton of it that must be completed just to find out if you even qualify for a loan. We all know how particular banks are when it is time to make an approval for a loan. You’ll very likely also need to go to multiple banks to finally get approval for your loan, as each has different criteria.

When you work with a Buy Here, Pay Here lot in Kansas, you have less paperwork to worry about and the company takes care of it all for you. The last thing that you want to do is sit and repeat yourself over and over again as you complete what feels like a mini novel to a procession of blank faces. You eliminate that worry when you work with a Buy Here, Pay Here dealership. The amount of paperwork that is required is much reduced.

Your New Car Awaits You Today

It is nice to know that there are options aside from the bank out there that can help you get a vehicle when you need it and that even without perfect credit it is still possible to get a great vehicle. Whether you are buying your first vehicle or are purchasing a second, you can get those benefits with a Buy Here, Pay Here auto lot.

If you are ready to get a vehicle without the hassles and headaches the bank brings along, working with Auto Now KC is an idea for you to consider, as this is one financial experience that you will be able to report back to your friends as an enjoyable one. How often do we get to say that these days?

Whether you have credit problems that prevent you from getting a bank loan, want to avoid the hassles, or simply love the advantages and personal experience of working with a local dealership for all your financing, you will find that working with this type of dealership is beneficial to you in so many ways. It doesn’t get any better than this in the auto industry, so why go another day without the car that you want or need when it is so easy to work with a company that really puts your needs first?

 
 
 
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