There are many different financing and payment options for consumers to make big purchases. This is no different when buying a car. You can pay cash, use credit, take out a lease, or finance with traditional monthly payments.
If you apply for financing for your new vehicle, many things are taken into consideration to calculate that final monthly payment. One thing, in particular, is your credit rating. The higher your credit score, the lower your interest on that loan will be. People with bad or low credit scores are faced with limited options. The option that many of these borrowers turn to is Buy Here Pay Here financing. This can be great if you can’t get a traditional type of financing.
A few options for used car purchases exist in Wichita. First, you have the traditional dealership that requires you to source funding for a loan yourself. They do the least amount of work for you and make their money from haggling up the price of the used cars for sale on their lots.
The next step up is a dealership that attempts to secure financing for you. They may call this a financing department and will get a few quotes for financing from companies they work with. They don’t necessarily get you the best deal, instead looking for loan companies that will give them the biggest commission. If your credit rating is poor, the cost of the loan can be very high if they are able to get you a loan at all.
At the top of the pile is the Buy Here Pay Here dealer, who offers you financing directly.
Buy Here Pay Here is simply when the financing and purchasing of the vehicle are done in-house at the dealership where you are buying the car. This allows the dealership to lend money to people who have less than perfect credit.
One of the main advantages is being able to finance with bad credit. Many people who would typically get denied at a traditional bank or credit union will have no problem securing a Buy Here Pay Here loan.
Another advantage is the ability to take out a loan with little money down. There is no need to have large sums of cash on hand to put as a down payment on the vehicle.
The procedure in which a car is purchased and driven off of the lot is streamlined because everything is done under one roof. It makes the whole process a bit quicker, which is a lot less stressful for the consumer.
Buy Here Pay Here financing will help a customer with bad credit improve their credit score. If a customer has made a mistake in the past but is in a better position in the present, the Buy Here Pay Here option can potentially rebuild that credit score. The dealership can report payment history to the credit bureaus. As long as the customer makes all the payments on time and does not miss any payments, he or she should expect to see that credit score number go up.
Overall, there are pros and cons to any type of financing that you can choose. Buy Here Pay Here is a great option for people with bad credit who need a car right away and are willing to pay a bit more to get it. Having this option available allows the consumer to have more choices when it comes to buying a car.
If you’re looking for Buy Here Pay Here financing in Wichita, you must certainly consider Auto Now. Auto Now is a used car dealership chain with locations across Kansas and Missouri, including in Wichita.
Auto Now has one of the largest selections of Buy Here Pay Here vehicles you’ll ever see, with hundreds of models available in Wichita and at all of the other branches. You can browse the vehicles on offer on the website and get a good idea of their mileage, age, trim levels, price, and expected monthly payment.
Auto Now has been in business in Wichita since the nineties, so you know that it’s a name that you can trust. With thousands of happy customers, Auto Now is the right choice in the world of Buy Here Pay Here financing. Check out all of the reviews of the business on independent websites — you’ll see that people have always come away from Auto Now with the vehicle they need at a price they can afford.
Buying a vehicle from Auto Now makes getting funding easy. You do not need to worry about previous credit issues as a credit check is never performed. You’ll be able to get an auto loan in Wichita from Auto Now if you:
The exact amount you’ll be able to borrow comes down to how much you’re earning and how much you’re putting down as a down payment.
Speaking of down payments, Auto Now recognizes that not everyone has a spare few thousands of dollars in their back pocket ready to be put down for a vehicle. Therefore, most of the vehicles on the Wichita used car lot can be driven away for a down payment of $99. You’ll make the repayments of the loan directly to the dealership until the full amount is repaid and then the car is yours outright!
For the first two years or for 24,000 miles, your car will be covered by a strong warranty. Should anything go wrong, the dealership will be there to make repairs promptly and with a low excess.
Don’t let a low credit score get in the way of getting into your own vehicle. Choose Auto Now, the Buy Here Pay Here dealership that’s been serving Wichita for decades.
When you’re looking to buy a used car in Olathe, you’ll quickly find there’s more than one way to go about it. The best option would be to buy a used car outright, foregoing any used car auto loan. Unless you have a current vehicle of good value that you can trade-in, this is a difficult prospect as few people have lots of spare money to cover the cost of a car purchase.
The next option that most people seek out is a traditional auto loan from a bank or from a company that specializes in loans for cars. You can either go directly to a number of banks or apply online for a car loan. Unfortunately, traditional auto loans are difficult if not impossible to get if you have a poor credit history. Even if you’ve not used credit in the past, a bank will be unlikely to lend you a large amount for the purchase of a vehicle.
Does that leave you out of options if you’re buying a used car in Olathe and you don’t have the best credit score? No. Thankfully, Buy Here Pay Here financing is the realistic option for those with less than perfect credit.
Buy Here Pay Here car loans started in the 1970s when there was a high unemployment rate. There wasn’t much of a chance for people with poor credit to purchase a vehicle for themselves and their families.
Many car lots in Kansas and Missouri noticed that there was a lower number of sales going through their doors, meaning that they had to find a solution to this issue. Their new idea was the Buy Here Pay Here car loan.
The idea was to have a finance company associated with the car lot to approve loans for customers with low or poor credit, or to prevent them from having to get a loan from the bank which could put them into a worse situation than they already are.
This concept has evolved much over time so that now the car lots themselves are leasing cars and giving loans inside of a building directly connected to these car lots. Meaning that it has become easier than ever to lease your next car!
Now, it would seem like this process would be very difficult, as it could be that a high credit is needed to get these loans, but it isn’t as difficult as it may seem. Whenever you arrive at the car lot, find your car and talk to a seller while you’re there. Then once you are for sure happy with your choice, go ahead and close the deal, and they will help you with the whole financing process while you go along. After this, you will be taken to a separate building to understand how the financing and process will go along. Alternatively, you can secure funding from the Buy Here Pay Here dealership first so you know how much you’re able to afford and then choose the vehicle that fits your needs and your budget.
There are a number of myths about Buy Here Pay Here car loans that should be dispelled. For one, it’s often considered that you’ll need to make a larger down payment on a vehicle when you get Buy Here Pay Here financing for a car.
This might have been true about 20 years ago when Buy Here Pay Here dealerships in Kansas and Missouri were first finding their feet. They needed to increase the amount of down payment the buyer placed to cover the additional risk of loaning directly. However, now that so many large players have come into the market, there’s a lot less risk for Buy Here Pay Here dealerships and they’ve been able to perfect the systems involved.
Auto Now in Olathe will see you in a car of your choice with a down payment as low as $99. If you need a car now but you don’t have large sums of money to put down as an initial payment, Auto Now is a great choice.
Buying used means you avoid the massive depreciation in value that all new cars see. Buying a used vehicle that has been treated well by its previous owners is financially one of the smartest moves you can make when buying a car.
Buy Here Pay Here vehicles are a step above the cars you can purchase privately as they’ve already undergone a tough inspection by the dealership before they’re put on sale. Every maintenance step has been performed to bring the used car up to a nearly new standard. A respected Buy Here Pay Here dealership like Auto Now doesn’t purchase any vehicle for sale that doesn’t already meet its exacting standards. This is how the Buy Here Pay Here dealer can keep its reputation.
Every Buy Here Pay Here dealership is different, but at Auto Now you automatically get a warranty on every vehicle sold at the car lot. This is quite an extensive warranty, covering all of the major parts of the vehicle – the engine, transmission, electrical systems, etc. You are covered for two years after purchase or for up to 24,000 miles, whichever comes first. There’s a $200 excess on repairs, but everything above that will be covered by the dealership so you can have complete peace of mind no matter which car you buy from Auto Now.
Buy Here Pay Here is the future of car buying, and more and more used car dealerships in Olathe, Kansas City, and Missouri and choosing the Buy Here Pay Here model. It’s better for business because it’s better for the customer.
Almost everyone in Topeka needs a car, but getting a vehicle of your own can be an uphill battle if you’ve had credit problems in the past. You may have heard of Buy Here Pay Here dealers as an option for getting poor credit car financing in Topeka and across Kansas. Here we’ll discuss some of the benefits of Buy Here Pay Here dealerships over traditional financing.
First, let’s discuss what a Buy Here Pay Here car dealership is. If you get a loan on a Buy Here Pay Here car, you’ll make the repayments of the loan directly to the dealership. This is different from the traditional way people used to buy cars by arranging for a loan from a third party bank or lending organization.
This is the fundamental difference between traditional financing and a Buy Here Pay Here dealer, and it’s certainly a benefit not to have to deal with a third party. Making your repayments to the dealership is easier, faster, and makes sense.
The benefits of purchasing from a Buy Here Pay Here dealership do not end there. We must consider why you’re making payments to the dealership and what that means to the underlying business mechanics. A Buy Here Pay Here car lot is not simply a car dealership; it’s also working as a lender. This gives it more autonomy and choice on who to sell to and the terms of loans.
For those with a poor credit rating, one of the principal benefits of Buy Here Pay Here dealerships is increased access to financing. Many Buy Here Pay Here companies were set up to fill the needs of customers who couldn’t buy a vehicle with financing through traditional means.
Over a third of the people in America have a credit score between 300 and 679, rating their credit as ‘poor’ or ‘fair’ at best. How do these people get financing for a car if banks won’t lend to them because of their credit rating?
Poor credit car financing companies can decide their own metrics on what makes someone a fair choice to lend to. Usually, this doesn’t involve a credit check. The borrower is evaluated on his or her own merits at the time of purchase.
If you do choose to come to a Buy Here Pay Here dealership in Topeka that specializes in poor credit financing, you’ll find that the barrier to entry is a lot lower. You’ll still need to be able to show you can repay the loan (such as by showing recent pay slips), but any past indiscretions with credit are not taken into account.
The Buy Here Pay Here dealers who have been selling cars in Kansas and Missouri for decades have remained in business thanks to solid business practices and excellent customer service. As a business that succeeds or fails based on word of mouth, Buy Here Pay Here dealerships bend over backward to ensure customer satisfaction every time.
The niche has been carved out as being the alternative to uncaring banking conglomerates that think of borrowers as no more than a number in a credit report or a profit margin in a sales report. Buy Here Pay Here financing was born out of a reaction to this impersonal route and it has thrived ever since.
Established Buy Here Pay Here dealerships in Topeka have knowledgeable, friendly, helpful staff that can help you at any step of the process. You’ll be advised how much you can borrow based on your salary. You’ll be pointed toward the hundreds of vehicles on the car lots from which you can choose. You’ll be advised on the limited warranty you get free on all purchased vehicles. Any questions you have about eligibility, repayments, and car choices will be promptly answered.
Contrast that with the service you’ll get from a bank when you try to get a loan and you’ll see how the Buy Here Pay Here is a much more personal, individual experience. Buy Here Pay Here dealerships are in it to help you get into the car you need.
In some cases, Buy Here Pay Here lenders will be able to help you improve your credit score by reporting the successful repayment of your loan. Over the past few years, new federal guidelines have been put into place that say credit reporting agencies must track positive credit transactions alongside negative credit transactions. This can mean that if you buy your car from a Buy Here Pay Here dealership that reports to the credit reference agencies, your credit score can improve. Talk to your dealership for more information.
Buy Here Pay Here dealerships are much more likely to be flexible on the terms of your loan than traditional dealerships (who are working with a bank or who expect you to find financing yourself.) This can be beneficial if you have an unusual case that doesn’t fit into the cookie-cutter loan terms of a bank.
For example, Buy Here Pay Here dealers will often let you drive away from the dealership in your new car with a lower down payment. This is because they know people with poor credit don’t necessarily have a large lump sum to put down on a car.
On the other hand, if you do have a lump sum for a down payment, the flexible terms of the loan allow you to lower the amount you’ll repay each month. You can even purchase a more expensive model thanks to the larger down payment you can afford to pay.
Auto Now is a long-serving, respected Buy Here Pay Here dealership in Topeka that will help you get the car you need regardless of your credit situation.
One would think that buying a car in Kansas City would be a straightforward affair, but you have quite a number of options in front of you when it comes time to get a new ride. The best option for you depends on your budget, time, and credit rating.
When we envision buying a car in Kansas City, we often think of strolling into a new car dealership, ordering the latest model with all added accessories, and cutting a check for it all with a big smile on our face. That’d be great – but new cars cost a fortune!
Most people are not able to purchase a new or used car for cash. Though dealerships in Kansas and Missouri will attempt to entice you to buy a new car as they’ll make a huge commission on it, buying a brand new car is never a good financial decision. Unlike investments like housing, the value of a car will continue to drop the longer you own it. The biggest drops in value come in the first few years, with some vehicles losing up to 60% of their value in three years.
So, buying used is the way to go. You can choose to purchase on the private market, but there’s a chance that you’ll buy a lemon and there’s a lot of work involved in viewing a number of vehicles privately and haggling with the owners. Banks are not too keen on lending money for the purchase of a used car on the private market, as they’re worried the car will not be worth the value of the loan.
This leaves you with getting an auto loan for a used vehicle. You can try to get approval for a loan from the bank prior to choosing your vehicle, but you’ll struggle to get funding if you don’t have a great credit score.
Buy Here Pay Here car lots, like Auto Now at 79th & Wornall, offer Buy Here Pay Here financing. This is a form of in-house financing where the dealership will offer you a loan for a vehicle they sell on their lot. Buy Here Pay Here financing is often the best choice for people in Kansas and Missouri looking for the best deal with the least amount of hassle.
Most people have very busy lives. They are on the go from morning to night. Most have jobs (and sometimes they have additional gig jobs on the side in order to make ends meet). Many have children, so they have to deal with transportation to daycare or school, packing of snacks, attending extracurricular events and supervising baths and bedtime. And many have pets that need feeding, walking, grooming, and taking to the vet. Some have elderly parents who need a little extra help with medications, meals, and transportation.
So when the car breaks down again and the decision is finally made to trade it in on a newer, more dependable vehicle, it is just one more thing to deal with in a long, long list of things that must be dealt with daily.
That’s stressful, but that’s where the Buy Here Pay Here car loan service comes in handy. It is designed for people with very little downtime.
Buyers can find the car that best meets their needs, work with a salesperson to decide on a reasonable price, and then completely skip the usual next steps- going to the bank, waiting to be served, filling out sheet after sheet of paperwork, going through the credit check, waiting to hear if the loan has been approved, and then driving back to the dealership to complete the sale.
Instead, once the decision is made, a few papers are completed at the dealership, usually no credit check is needed, approval is speedy, and the buyer is able to drive the car off the lot in record time. Less time dealing with paperwork means more time dealing with life and far fewer headaches.
Buyers who have less than perfect credit may find that the no down payment or lower down payment options may help them improve their credit as they make their payments over time.
Buy Here Pay Here dealerships like Auto Now at 79th & Wornall have employees who work full time and who are parents, caregivers, and pet owners. They understand the needs of the average worker because they are average workers, too. They provide a quality automobile product that has been carefully cleaned and double-checked for reliability. They understand that ease of purchase, ease of payment, and quick personal service are critical, so they provide those things.
Buying a car doesn’t have to be stressful or time-consuming. It can be smooth and headache-free, if buyers choose a Buy Here Pay Here dealership that is designed to fit into their super busy lifestyles with ease. Buyers who choose a Buy Here Pay Here dealership might just find themselves saving so much time that they can squeeze in that yoga class, read that magazine, go for that walk, call that friend, or prop up those tired feet at the end of the day! The next morning, they will climb into their new vehicle, take care of their families, drive to work, and arrive safely home in a car that doesn’t need repairs every month, patting themselves on the back for making the smart decision to skip the hassle and do business with an all-in-one Buy Here Pay Here dealership.
Get in touch with Buy Here Pay Here dealership Auto Now at 79th & Wornall for full details on the cars, trucks, SUVs, and motorcycles you’ll be able to afford.
Buying a new or used car can be quite a hassle. That is particularly true if financing the vehicle is involved. One can easily get put in the position of having to arrange the communication and document trail between two very different organizations.
Needless to say, many difficulties can ensue. It doesn’t have to be that way with Buy Here Pay Here (BHPH) car loans. BHPH makes it “one-stop shopping” in that the loan and the vehicle are all in one place. That is, the loan is arranged at the dealership and one makes payments at the dealership where the vehicle was purchased. In short, the Wichita dealership is also the financing agent. This offers several advantages including convenience, faster transactions, assistance to those that are credit-challenged, and trade-in allowance.
As mentioned above, it is nice to have all of the partners involved in the transaction in one place. Gone are the trips and phone calls to financial institutions to arrange for a loan. As of late, the lines between a traditional dealership and those offering BHPH have become a bit blurred. When you’re looking for Buy Here Pay Here near me, many traditional new and used car dealerships are actually also BHPH dealerships. It may not be obvious at first with the words for BHPH spelled out in big banners or across the windshields of the vehicles. Many use other words and phrases. A common one is "We Finance," which often amounts to the same thing as BHPH.
Regardless of how it is expressed, what it means to the consumer is convenience. It not only adds convenience but also speeds up the process significantly. Everyone is commonly located, knows each other, and can arrive at decisions quickly. Eliminating the distance and communication barriers equates to closing the deal in record time.
If one’s credit rating leaves a bit to be desired, BHPH dealers have a reputation for being more willing to make the loans that banks, car loan agencies, credit unions, and other traditional finance companies won’t. BHPH dealers have an incentive to both move their vehicle inventory and to secure interest-gathering loans in one transaction. This makes them more likely to want to move on loans than other financing organizations that have only one sales opportunity. In addition to getting the loan in the first place, it helps those with no credit or marginal credit get a good credit history. It is a win-win for both parties.
Is Buy Here Pay Here financing more expensive than traditional financing? Buy Here Pay Here dealers in Wichita have become increasingly competitive over the decades to the point that the interest rate you’ll pay on a Buy Here Pay Here loan will be comparable to loans from the bank or alternative auto loan company.
The hard truth is that banks may advertise a low-interest rate but that rate is only for people with outstanding credit who also own collateral like their own property. When anyone else goes in to get a loan for a car, they’ll be met with higher interest rates. Banks have a convoluted application procedure so they’re hoping that by the time you’re approved for a loan you’ll be happy enough to take their offer and get on with your life!
Buy Here Pay Here dealerships in Wichita are much more upfront about their interest rates because you’ll be approved for a loan virtually immediately. You are free to do the math yourself and compare loans from as many providers as you like.
Another hidden cost of standard auto loans is the length of terms you’re tied down to. Banks tend to push you to take out a longer loan that you’ll pay back over many years. This can initially look good on paper as the monthly repayment will be low and they’ll even entice you with lower interest rates if you take out longer loans. But when you calculate how much you’ll be paying in interest over the course of many years, it’s clear why they do this – you’ll be paying a lot more in the long run.
Buy Here Pay Here loans, on the other hand, tend to be shorter in nature. You can get your car paid off quicker and then you’ll own it outright. From there, you could use it as collateral for a car title loan, use it as a trade-in for a better vehicle, or simply look after it and maintain it for decades to come.
Like with the incentive to sell inventory and to secure loans simultaneously, BHPH dealerships also are more inclined to take trade-ins that other dealerships will decline. Like with making loans, BHPH dealerships have a reputation to take older cars and “fixer-uppers” as a down payment on a new or used car. In the end, it helps the consumer to get that hard to find cash for a down payment.
Established Buy Here Pay Here dealerships like Auto Now in Wichita will give you a free warranty on any vehicle you buy. You are covered for major issues for up to two years or 24,000 miles. It’s a great way to get peace of mind when purchasing a used car in Kansas.
BHPH dealerships offer many advantages to the consumer in many ways. One can get in and out the door with a new or used vehicle in record time. No longer is there that dreaded mix of car haggling and financing that many have faced in the past. Using BHPH dealerships makes it more like a trip to the grocery store, and it makes much more sense than the old, outdated models used in the auto industry. Get in touch with the Auto Now dealership near you for more details.
Poor credit doesn’t have to stand in the way of you getting a car. If you live near Belton, there are options such as Buy Here Pay Here dealerships and dealerships that offer poor credit car financing. If you have bad or poor credit, prepare to shop a little differently for a car and you may have to pay a slightly higher interest rate on any loan. Apart from that, you’ll be able to get a car with poor credit in Belton if you’re earning a wage, enough to show you’ll be able to repay a loan.
Why is your credit rating important? Traditional car financing mostly works by checking your current credit rating, your current salary, and other factors. The biggest impediment for those who have had a bad time with credit in the past is their credit score. If you don’t have a good credit score, you’re unlikely to get very far at a bank no matter how long you’ve been with the bank.
If you don’t need a car immediately, you could first try to improve your credit score so you have more options from which to choose.
The first step is to check your credit report to see where you stand and whether there are any errors. If there are any past-due accounts on your credit report, you could attempt to pay them off first and get these black marks removed from your credit report. It’s sometimes the case that a lender will forget to update the credit reporting agencies when you’ve repaid a loan, so you may need to chase them up to get this fixed.
Unfortunately, this all takes time, so if you need a car sometime this year you’ll be better off looking for poor credit car financing in Belton.
Why is understanding interest rates important? If you have a good credit score, you’ll be able to get a lower rate of interest on a loan. For short-term loans, this may not make a large amount of difference to the total amount you ultimately pay, but for long-term loans over a number of years, the interest rate can make a huge difference to the amount you’re paying.
If you have poorer credit, you can expect to pay a higher interest rate. Because people who have had problems with credit in the past are more likely to have problems in the future, the lender must adjust the interest rate to account for the additional risk. Some banks will take advantage of the fact you need a loan and ramp the prices up. This is another reason that a dedicated Buy Here Pay Here dealer that specializes in poor credit auto financing is likely to be your best option.
Compare the interest rates you’re offered from all of the lenders in your area. Consider exactly how much you’ll pay over the entire length of the loan. A low-interest rate can end up costing you more if you take out a loan over a long period and only repay the minimum each month. A short-term loan with a higher interest rate might stretch your budget more now but you may be paying less in the end. Of course, you must also ensure you have enough to spare that should anything go wrong you’ll still be able to make the repayments on the loan.
You can buy cars with poor credit in Belton, MO, as Buy Here Pay Here dealer Auto Now doesn’t perform a credit check to loan you the money. If you’re earning over $1,200 per month after taxes, you’ll be eligible for a loan.
If you have some money stored away or you can trade-in your current vehicle, you can reduce the cost of the loan. Paying a larger down payment means the amount that you borrow will be less, so the interest payment will also be lower. It always pays to make a bigger down payment if you can sensibly afford it.
Making a bigger down payment can also mean you can afford a more expensive vehicle. Perhaps you have an eye on a 2017 Ford F-150 or a similar vehicle that’s almost as good as new. Making a bigger down payment, paired with the amount you’re able to borrow, can get you into the vehicle of your dreams even when it seemed out of reach.
As you’re looking to forego the banks, getting a loan from the dealership you buy from is the right choice when your credit rating is poor. You can apply for bad credit car financing online at Auto Now, or drop in at one of the six locations across Missouri and Kansas.
The dealership will confirm your ID, driver’s license, and proof of income. You’ll be advised how much you can borrow, and this informs the vehicles on the used car lots you’ll be able to buy. You can browse these vehicles at your leisure on the dealership website.
From there, you can take a test drive of multiple vehicles and see which is the car for you. You’ll make a down payment before you can drive away, but this can be as little as $99.
The repayments of your loan will go directly to the dealership. You can make payments online, in person, or even have the payments taken automatically from your credit card or bank on a monthly basis.
An affordable car is not out of reach if you have poor credit. Choose a Buy Here Pay Here dealer in Belton and the process is greatly simplified. Auto Now doesn’t perform credit checks, so credit problems of the past don’t matter here. The great range of vehicles and benefits you get are other reasons to choose Auto Now in Belton, your trusted poor credit financing dealership.
Looking to buy a car? Knowing your options when it comes to dealerships will surely benefit you in the long run. Purchasing a car is a big step in anyone’s life and an investment in one’s future.
Buying a car with bad credit can seem an impossible task. Your bank may only lend you something like $250 as an overdraft. Your credit cards will have a similarly low limit, so how can you buy a new or used car that costs tens of thousands of dollars?
Sometimes, people with bad credit turn to purchasing a car on the private market. They believe they won’t be offered a loan at any establishment, so they look to buy a car that they can afford with cash. Unfortunately, this leaves only some old and beat up cars because no one is going to sell a great car for a small sum of money.
What if you could get a loan to buy cars with bad credit? This is the proposal that Buy Here Pay Here dealerships like Auto Now at 79th and Wornall have been offering for over 30 years.
You may have heard of dealerships that have Buy Here Pay Here loans built into their business model, but do you know what this means? Well, look no further.
Buy Here Pay Here loans refer to dealerships that have in-house financing built into their business practices. This allows buyers to have a one-stop-shop experience. They can find their new car and finance it all in one experience. Consumers set up their loan payments before they drive their new vehicle off the lot.
These businesses must adhere to stricter guidelines, laws, and regulations because they operate multiple services that require higher levels of accountability; therefore, buyers are more likely to find a trustworthy dealership when going to a Buy Here Pay Here loan provider. Not only will all the regulations mean these loan-providing dealerships are more trustworthy, but they will ensure a quicker and more efficient buying process.
Not all car buyers are the same, but it cannot be denied that most people need a vehicle to get them to and from work, run errands, and complete everyday tasks. Without reliable transportation, it is hard for many to make ends meet. There are certain people that will one hundred percent benefit more from going to a dealership that offers Buy Here Pay Here Loans, while other people may not as much.
People who have experienced financial hardship and need a car to guarantee continuous income flow will definitely benefit from this type of loan. The main reason is that these loans usually do not require a credit check.
If you have gone bankrupt or had problems that negatively impacted your credit score it can typically hold you back from qualifying for a loan to obtain a vehicle. If this is similar to your situation, you will definitely benefit from a Buy Here Pay Here loan.
In fact, for those concerned about their credit scores this option could actually help build their credit score back up. The loan servicer can work with the buyer to create a monthly payment plan that aligns with their specific payment schedule. When aligned well this will easily boost one’s credit score.
There are other reasons you’d want to choose a Buy Here Pay Here car for sale in Kansas over a privately sold car. As you’re able to borrow money to get a Buy Here Pay Here car, you can get a much better vehicle, one that will last you for as long as you look after it.
Auto Now at 79th & Wornall performs an extensive check of every vehicle sold through the dealership before it goes up for sale. You can be sure you’re getting a quality vehicle. Most cars are sourced from trade-ins, so there’s only been one owner and in most cases, the original warranty has only just expired.
Speaking of warranties, you won’t get one at all if you buy a car on the private market, but you will if you buy from Auto Now. Every vehicle that’s sold by Auto Now comes with an extended warranty that covers the car for two years or 24,000 miles — whichever comes first. Almost every part of the vehicle is covered, and the dealership will repair any issue that is covered under the warranty for you with just a small excess. For more information, you can check the details of the warranty on the Auto Now website.
Ultimately, Buy Here Pay Here loans can benefit all buyers. Even if you are not currently in financial hardship, in-house financing dealerships in Kansas and Missouri offer appealing advantages.
Auto Now at 79th & Wornall is a good example. If you’re in a hurry, you can get your car and loan set up much faster than at a traditional dealership. You are also guaranteed a more personal service since in-house financing dealerships are essentially one-stop shops. They will save you time and possibly money, depending on your situation. Buy Here Pay Here car loans are a viable option for anyone looking to buy a car.
Auto Now has been in the business of helping people get into the cars they need for their work or family for over three decades. As one of the largest and best-trusted Buy Here Pay Here dealerships across Kansas and Missouri, it makes sense to check out our stock of vehicles to see if we have something that will suit you. Then, as long as you’re earning a wage monthly over $1,200 after-tax, we’ll be able to set you up with a loan for one of these vehicles even if you have bad credit. Get in touch today for more information.
Buy Here Pay Here financing is a term that you’ve probably heard of recently if you’re in the market for a used vehicle in Topeka. Buy Here Pay Here financing promises a low down payment on a used car without any of the hassles of credit checks or bank financing.
At its most basic level, Buy Here Pay Here financing is a simplification of the financing model that has plagued the auto industry for decades. It has “disrupted” the industry, allowing for more players, more competition, and better services for used car buyers.
Let’s consider how you used to buy a car in Topeka. Savvy buyers realize that new cars for sale in Topeka come with a price premium, so they buy from a traditional used car dealership. But the dealership only sells cars — it doesn’t offer financing for these cars. Financing is up to you to find while the dealership waits patiently for their payday.
You know you need to buy a car, but you don't know how much you can borrow. So you browse the used car lots near you, unsure of what you can afford. You must make a trip to the bank or lending organization you hope you can borrow from.
There are hundreds of lenders, all supposedly offering you the best deal. Most people will consider their own bank first. But with a used vehicle purchase, the bank is wary. They want to know you’re not going to buy a lemon, or they’ll be in negative equity should you default on the loan. So they want you to detail in your application the car that you’re planning on buying. You don’t know which car though, because you don’t know which one you can afford!
Banks really don’t want the hassle of reclaiming a car and trying to sell it on if you’re unable to repay the loan. They’re banks — they make their money from loans by simply having money and lending it to people with an added interest rate. Having to deal with repossessions and selling real property isn’t fun for a bank, so they’ve added a number of tests to ensure you’re the type of person that won’t default on the loan.
First, a bank will want to know the details of your salary and your spending. They will have a formula to decide how much leeway you have in your budget for a car repayment. They will also want to know about any credit arrangements you already have, such as credit cards, student loans, personal loans, mortgages, etc. They will be considering whether these creditors will get preferential treatment should you go bankrupt.
All traditional lenders also rely on third-party reporting on borrowers’ credit. Three credit reporting bureaus run the credit system in the U.S. — Equifax, Experian, and TransUnion. If you have not used credit much in the past or you’ve had problems in the past with credit, your credit score will be low. With a low credit score, the bank will usually turn you away for a loan. As somewhat a kick in the teeth, just applying for a loan will often result in your credit score dropping.
Dealerships became annoyed at banks and lenders turning away potential customers for loans even when these people had good jobs and clearly had the ability to repay a loan. In times of recession, this problem became more acute, as banks closed up shop and used car dealerships in Kansas and Missouri struggled to clear the vehicles on their lots.
For those that could afford to do so, the used car dealerships began to lend the money to buyers themselves. This allowed them greater autonomy and they could decide to whom to lend.
Buy Here Pay Here financing doesn’t necessarily mean the dealership won’t run a credit check, it just signifies that the dealership will be handling all of the financing and repayments. However, many Buy Here Pay Here dealerships decided to specialize in offering used car financing to those who were finding it harder to get a car loan through traditional means.
For example, Auto Now in Topeka foregoes a credit check and instead uses your current monthly income as a gauge of how much you’re able to borrow. As long as you have a stable job that nets you $1,200 a month, you’ll be offered a loan (you’ll also need to be over 18 and have a driver’s license).
Though Buy Here Pay Here financing began as a way to offer car loans to those with poor credit, it quickly became obvious that this mode of used car financing was better for the customer. Now a customer can come into a dealership or browse its website, be advised how much they will be allowed to borrow based on their income, test-drive vehicles, drive away in their new car, and make repayments all at the same location.
Because Buy Here Pay Here lowers some of the usual operating costs for a dealership, the overall price of vehicles and the cost of interest can be lower. Buy Here Pay Here financing is highly competitive for those who have poor credit scores.
Repayments are made on Buy Here Pay Here financing in a similar way to how you’d repay a car loan from a bank. Versatile Buy Here Pay Here used car dealerships in Topeka offer you a range of options for repaying your loan. You can make repayments in person or online. You can pay using your credit card, or make a direct transfer from your bank. If you want to ensure your repayment is always made on time, you can have the amount automatically taken from your bank account or credit card on a specific date.
Now that Buy Here Pay Here has become the top choice for buyers, the banks may have to rethink their approach to used car financing.
As a Buy Here Pay Here dealership in Wichita, drivers from Kansas and Missouri often ask us how do Buy Here Pay Here dealers make financing so easy. This question comes about because of the decades of hassle people have been put through just to buy a car.
Traditional used car dealerships in Wichita have been slow to keep up with the needs of individuals in the modern era, so Buy Here Pay Here car lots have come in to fill the gap. Buy Here Pay Here financing is so simple it surprises some people.
The U.S. economy has been on a rollercoaster ride over the past twenty to thirty years. The cycle of boom and bust, the housing crisis, the recession, and financial uncertainty has taken its toll on just about everyone in Missouri and Kansas. At some point over the past few decades, we’ve all felt the pinch.
If there’s been a time where you’ve had a lot of credit and struggled to repay all of the bills on time, you’re not alone. Unfortunately, banks and lenders share data on these credit problems via the three credit reporting agencies. These agencies have somewhat of a stranglehold on the credit industry, and while there has been an effort in Congress to ensure more accurate reporting, one’s credit report can be filled with discrepancies or old information.
If you think you might have a poor credit score, it’s worth getting a free credit report to see what’s on it. You can get a free credit report once a year. You might be able to remove errors from the report if you find them, but this involves getting the original creditor to clear the record, something they’re not always in a rush to do. You might have a protracted back-and-forth with them to try and get a record expunged.
Even if the information on your credit report is accurate, it can include problems you’ve had repaying a loan many years ago. You simply have to wait years for this information to become old and irrelevant.
Your credit score is a high-level indication of how credit-worthy you are. If you’re a person who has taken out credit in the past and repaid it all dutifully, your credit score will be higher. If you’ve had problems repaying credit in the past, your low credit score will suggest you might not repay another loan in the future. If you’ve not relied on credit at all in the past, instead of being smart and only paying for things using cash, the banks will consider you an unknown and your credit score will be relatively low.
Banks take that credit score and use it in a formula to decide whether it’s risky to lend you a large sum of money to buy a car.
Car lots that focus on poor credit car financing usually don’t believe that your credit score is a good indication of whether you’re a candidate for a loan. For one, if you do indeed default on your car loan then the used car dealership has the right to reclaim the vehicle. The actual risk of losing money to the dealership is low unless you decide to trash your car or you disappear into the night!
Secondly, a credit score offers almost no real indication of how much you can afford to repay. It’s a historical indication of your credit activity, but if you now own your own home or you have a great paying job then it’s clear that you should be considered a good candidate for a loan. Banks that rely on outdated information are turning away perfectly good customers every day, and this is where Buy Here Pay Here car lots come in.
Some Buy Here Pay Here dealerships might perform a credit check, but poor credit auto loan companies like Auto Now in Wichita don’t. This can be crucial to whether or not you’re offered a loan for a car.
At Auto Now, you can get a loan for a car if you’re earning at least $1,200 after tax. You’ll need some forms of ID and proof of income, but that’s it. Now you can see why people are sometimes amazed at how easy car financing at a Buy Here Pay Here car lot can be!
Simply being offered a loan for a vehicle when you have a poor credit score is perhaps the biggest benefit of Buy Here Pay Here financing, but it’s far from the only benefit.
Financing is made easier, but so is the entire process of buying a vehicle. Once you consider that everything is done under one roof, you can see why things can be much more streamlined. You can get approval for your loan online, get an exact quote of how much you’re able to borrow, browse through the hundreds of models on offer, then come to the dealership to pick up your car and sign the loan documents. Instead of taking weeks, it takes hours. If you really needed to, you could have a new car to drive away almost immediately.
After you’ve taken ownership of the vehicle, you make repayments direct to the dealership. There’s no third party you need to worry about. You even get a two-year warranty, so if anything goes wrong with the car you just bring it back to the dealership and it’ll be repaired.
Buy Here Pay Here car lots like Auto Now make financing easy and buying a car into a fun, exciting activity.
Need to buy a car in Olathe? You’ll find you're presented with a number of options, but only some of these are going to be viable if you don’t have an excellent credit score that’s been built up over the past decade.
One of your best options is Buy Here Pay Here financing. This is where you’ll borrow money directly from the dealership and repay your loan directly to them.
There are many advantages to purchasing a car on the Buy Here Pay Here car loan model. These advantages make a compelling case to purchase a car this way over any other. Once one examines all the advantages of this model, it becomes puzzling why anyone would choose the fragmented approaches offered by alternatives.
Buy Here Pay Here financing in Olathe is simply a form of financing where you don’t need to go to a third party. The dealership itself is big enough to handle the financing of your vehicle. This offers a number of advantages as the dealership has more versatility. It’s no longer up to the bank whether you’re able to get a loan for a car in Olathe.
For one, the model offers the advantage of completing all business at the same site in a unified way. Whereas one once had to go to a dealer to buy a car, a bank or financial institution to take out a loan, and possibly a third site to take care of other incidentals and details, on this method one can complete everything under a single roof. Gone are the days when one had to spend up to a week doing nothing more than buying a car; it can now be done in a single day. Maybe even a single morning.
Auto Now in Olathe is a Buy Here Pay Here car lot that specializes in loans for those who are struggling to get them through other means. Be advised that over a third of people looking to buy a car have a “poor” or “fair” credit rating, according to the credit reference agencies. This means that one in three people looking to buy a car will really struggle to get a loan from a bank.
Other third-party loan companies might increase their rates to accommodate high-risk car buyers. You can avoid this completely by choosing to buy your car from a dealership that offers financing too. Buy Here Pay Here dealerships are highly incentivized to sell the vehicles they have on their lot. This means they’re willing to tailor a loan to your needs, even if you have had poor credit in the past.
A second advantage is that one can really get to know and work with a particular sales team. That is to say, one can get personalized service from a small group of people who can come to know the specifics of your needs.
Cars are personal objects, but ones that are built in standardized factories. It takes a great sales team offering personalized services to put a person at ease in the era of mass standardization of products and services. With a single service that provides a wide range of goods the car buyer needs, there’s little better than the quickness and convenience of modern service combined with the personalization of a bygone era.
When you have to go to both the car dealer and the bank, you probably have to have a special credit check at both institutions. Under a personalized, same site model, you usually don’t need this same level of detail. Under the much more unitary model under discussion here, you can build a close relationship with a single entity that doesn’t require the duplication of all manner of invasive forms of information sharing. This is a key advantage many consumers overlook.
Why are there more and more Buy Here Pay Here dealerships springing up? It’s because people are sick and tired of being turned away by banks or being locked into long finance agreements with poor terms. You’re purchasing a car – it’s not something that’s extremely expensive or difficult for a bank to process. Even so, banks have become a nightmare to deal with as they’d prefer to only loan to large companies or individuals with a lot of collateral.
Buy Here Pay Here has been around in various forms since automobiles began to be sold in bulk to consumers, but they became more popular and widespread in the Reagan years. Buy Here Pay Here dealerships filled the gap for the average consumer who needed a vehicle but didn’t meet the extremely high standards of lending companies at the time. Buy Here Pay Here decided to help people out by lending them the money out of their own pockets at a reasonable interest rate.
As the decades unfolded, we’ve seen further recessions and times of economic stress. Few people in Kansas and Missouri were able to get through these times unscathed, so normal folks require alternative options when they need to buy a pre-owned vehicle they’ll use for work.
Buy Here Pay Here financing looks to be the future of the automotive industry, with more and more dealerships realizing that people want more from their used car dealership experience.
In light of the key advantages of the Buy Here Pay Here model, it’s unclear why anyone would choose to switch back to other ways of doing things. The overwhelming advantages of staying at the same site for the entire purchasing process sweep away any supposed advantages of the old ways.
The U.S. has seen a series of recessions and a certain amount of boom and bust over our lifetimes. No decade has been without a recession; the beginning of the nineties saw interest rates rise, the dot-com bubble burst in the early 2000s, and the Great Recession that officially lasted from 2007 to 2009 was caused by the subprime mortgage crisis.
It’s not as if the end of a recession means the end of tough times for the average person living in Wichita. The effects of a recession are felt for much longer, drastically altering how our lives play out. The collapse of many industries, restructuring of workforces, huge bank bailouts and stimulus packages — these all have lasting consequences that affect us every day.
While corporate earnings and the stock market have fully recovered, some people have found themselves out of a job for years, their skills degraded and their earnings lower than what they received a decade ago. Meanwhile, the average price of a home has risen. While there are more jobs, those jobs aren’t necessarily paying well, and people are finding that now more than ever they need to take on multiple jobs to make ends meet.
At the end of the Great Recession, the richest families in America saw their house prices soar and they gained access to the cheapest credit they’ve ever seen. Those with the means and will bought up swathes of property for rental purposes — homes that were previously owned by people most affected by the recession.
Meanwhile, poorer families saw their homes being repossessed and their credit score plummet. They could no longer get credit to buy a house, forcing them into the rental market, again driving up prices. Rental prices went up, the rich got even richer, and the cycle continues.
The average credit score has, in fact, hit an all-time high, so anyone that has less than great credit is becoming marginalized by the banking industry. Unwilling to take on any risk (and spooked by the housing crisis that was caused by excessive lending to subprime candidates), traditional lenders will refuse a loan to anyone who doesn’t have excellent credit. There is now a great divide between the haves and the have-nots, and if you’ve had a bankruptcy, job loss, foreclosure, or credit problem in the past you’ve been all but shut out until you can turn it around.
People without access to credit can struggle when times get tight. If you can’t get a loan because of your credit rating, you can consider loan options that don’t depend on your credit rating when deciding whether to loan funds.
If you own your own home, you can use its value as collateral for a loan. A secured loan like this tends to be over a long term, or you can open a credit line that’s secured against your home. If you fail to repay the loan, you’re at risk of losing it completely.
If you don’t own your home outright, then you can instead choose to purchase from establishments that will lend to you directly instead of them going through a third party.
If you’re looking for a used car, traditional used car dealerships use banks to fund loans, so even if they have a financing center they probably won’t be able to offer you a loan if you have bad credit. Instead, you want a Buy Here Pay Here car dealership.
Buy Here Pay Here dealerships handle the financing of loans themselves so they’re able to decide whom to lend to. Some established Buy Here Pay Here dealerships like Auto Now in Wichita cater to those who have had credit problems in the past. This means that there’s no credit check involved and the borrower is judged on their current situation only.
If you need a used car and you have poor credit, as long as you have a job that shows you can pay back a car loan you can get a Buy Here Pay Here car at Auto Now. The minimum wage you’ll need to quality is $1,200 per month after taxes. If you earn more, you’ll be able to borrow more.
Apart from this important difference, Buy Here Pay Here dealerships are essentially the same as other used car dealerships and you can take your time choosing the vehicle that best suits your circumstances and needs. The prices of the vehicles are clearly displayed, and because you’re getting your financing from the same place you’re buying your car, you’ll instantly know how much you’re able to afford and therefore which vehicles are within your price range.
Auto Now in Wichita has a two-year/24,000-mile warranty on all vehicles sold, so you know you’re getting a great vehicle at a monthly repayment you can afford.
Auto Now knows how it can be difficult to get a loan for a car if you’ve had credit problems in the past, and was set up specifically to help people like you easily and quickly get the vehicle you need. We’re proud of our team who has been working with us for decades in the Wichita area, and we believe we do everything we can to make the process as easy and fun as possible.
If you’re in the market for a car, browse the hundreds of models available at Auto Now and see what takes your fancy. You can fill in your details online so we can let you know how much you can borrow and therefore how much you can afford, or just give us a call or drop into one of our branches. We’re here to make getting a car into a joyful, fun, experience.
If you’re looking at used cars in Independence and considering different loan options, it can sometimes get overwhelming or confusing. With so many choices and so much information to consider, it’s useful to understand the advantages of obtaining your loan at the same place you purchase your used vehicle.
Buy Here Pay Here used cars are an excellent option for anyone seeking a car in Independence. The principal difference between a traditional car dealership in Independence and a Buy Here Pay Here dealership is the Buy Here Pay Here dealer will handle not only the sale of the vehicle but also the financing. It’s a small change in how the business is run, but it makes for a number of advantages for the buyer.
When you apply for a loan online or through a third party, there is an immediate disconnect in personal service. You’re filling in information on your wages, credit history, and employment, with zero opportunity to explain any discrepancies to a real person sitting across from you. The lack of personal service can mean the difference in your interest rates, length of your loan, or even getting approved or denied.
Even if an in-house financing car dealership were to run your credit report, when you obtain your loan at the same place you buy your car, you get a chance to ask questions, answer questions, and explain any negative remarks on your credit report. It’s easier to get credit when you’re not just a number on a page. You get a service that is more personal. That means, if you have a derogatory report on your credit, you can actually explain to the manager in front of you that it was due to a disputed medical bill during a time when you were off work for a month for an unexpected surgery. It offers you the chance to speak to a real person about your real situation, rather than just filling out numbers in forms and hoping that the numbers you report fall within the accepted parameters for a loan.
Respected Buy Here Pay Here dealerships like Auto Now don’t even run a full traditional credit report when you provide proof of wages or employment and references. There is a definite advantage to this over online loan companies that you will never meet in person.
At Auto Now in Independence, there is a simple set of criteria for getting financing for a vehicle.
That’s it. It’s an especially simple setup when you compare it to the complex application forms of the traditional banking industry.
Of course, the responsibility is on you to repay your car loan in a timely fashion. The dealership has the right to reclaim the vehicle if you don’t make the loan repayments on time. If you think you might struggle to make a repayment, get in touch with the dealership immediately so the situation can be discussed. Buy Here Pay Here dealerships can be more flexible regarding payments but they need to know you’re willing and able to make good on the loan you’ve taken out. Simply ignoring an unexpected change in fortune will result in your vehicle being repossessed.
Another positive advantage aside from personal service is that it’s faster when it’s all completed in one place. The paperwork for your loan will be completed in a shorter amount of time and then be taken immediately to a finance office or onsite manager to make a decision. There won’t be a period of several days or weeks of waiting for a decision. In fact, the decision can usually be made within a matter of minutes or hours. You will have an onsite manager who can quickly explain the conditions of your loan and make you an offer that you can refuse or accept. Because you will know faster, you don’t have to waste your time going from company to company, waiting for weeks while you’re without a vehicle. This saves you time and money in the long run.
After securing your loan, it can also be in your benefit when the person who has given you the loan is local to you. Sometimes checks get delayed or lost in the mail. Sometimes websites go down unexpectedly and you’re unable to make a payment. When you live in or near the town where you obtained your loan and your car, you can easily stop into the office and drop off your monthly payment. This further increases the personal relationship you’re forming with the office, making it easier for you to have even more flexibility in future loans while building this relationship.
Overall, there are many advantages to getting a loan locally, where you purchase your car. Consider this option above others if possible, because it’s likely to end in the best deal and the most positive experience. Auto Now is a local Buy Here Pay Here dealership chain that has been getting people into the cars they need since the nineties. With six locations across Kansas and Missouri (including Independence), Auto Now has hundreds of vehicles waiting for you. As long as you’re earning over $1,200 a month after tax, you’ll almost certainly be offered a competitive loan and a wide range of vehicles from which to choose. Browse the choices on the Auto Now website and get in touch to see how much you can afford and how much the monthly repayments will be on your dream vehicle.
The purchase of a vehicle is one of the biggest expenses most people ever make. Besides buying a house, few purchases have such an impact as a vehicle. Once you’ve bought your first vehicle outright, you can use its value for the down payment on a second vehicle when you feel the need to upgrade to a newer model. It’s the purchase of the first vehicle that can be the toughest, and almost everyone needs to take out a loan to cover its cost.
Cars have been getting better and better, but they’ve also gotten more and more expensive on average. A new vehicle will usually set you back tens of thousands of dollars. To reduce the burden on your personal finances and to get the best deal, it’s suggested that you choose a pre-owned car. Purchasing a car that has already been owned greatly reduces the cost of the vehicle even if it’s only a few years old.
One of the most common ways to get mobile is to buy a used car from a Buy Here Pay Here dealer. Used cars from Buy Here Pay Here dealers in Independence are well priced, easy to get financing on, and have a limited warranty. Buy Here Pay Here financing represents one of the most straightforward ways to get into the right vehicle without any of the usual hassles of purchasing a vehicle.
There are many advantages available to prospective car buyers from Buy Here Pay Here car loans. First and foremost, they are forgiving of poor credit, and in fact, there is no credit check done at all in most cases. At Buy Here Pay Here dealerships that specialize in bad credit, the decision on whether you’ll be offered a loan comes down to how much you’re earning. At Auto Now in Independence, if you’re earning at least $1,200 per month after tax you’re almost certainly going to be able to get a car loan. All you need to do then is make a choice from the hundreds of top models offered.
All information gathering can be done on-site. This is not only convenient but also speeds the application process along greatly. Any checks that need to be done, such as employment confirmation, are carried out immediately with results available within minutes. Much of the process can be done online if you want an even easier transaction. This helps ensure you have all of the required documentation before you come to the dealership.
Dealers often will offer different financing packages, in accordance with the amount of loan the individual needs and the principal amount financed, as well as the overall value of the vehicle being financed.
Financing can often be tailored on a case-by-case basis, with a solid arrangement being reached that works for both the dealer and the customer. Adjustments can be made based on the value of any trade-in the customer has and/or down payment available — or even allowing for no down payment or trade-in.
The determination to extend financing or not is usually made on-site and the decision made expediently. The customer is then free to browse among qualifying vehicles and can make a decision free of concerns about the availability of financing.
Just like any other used car dealership in Independence, you can find a variety of vehicles at a Buy Here Pay Here dealer. Established dealerships like Auto Now have multiple Buy Here Pay Here car lots in Kansas and Missouri, each with hundreds of vehicles from which to choose. Sedans, family cars, trucks, SUVs, crossovers, and motorcycles – they’re all represented well.
If you’re looking to reduce the monthly repayment, consider a vehicle that has higher mileage. Modern vehicles run perfectly well for hundreds of thousands of miles as long as preventative maintenance has been performed.
Newer vehicles are also available that are virtually the same as the current-year model. Most manufacturers only significantly update their models every four to five years, so you’re getting a virtually identical car with low mileage for around 40-50% of the original price.
If you have a larger family or you’re looking to use the vehicle for commercial purposes, larger SUVs and trucks are available at Buy Here Pay Here dealership in Independence. Check with the dealership to see how much you’ll be able to borrow and base your decision on a monthly repayment that you’ll be able to comfortably afford.
At Auto Now, every vehicle has been rigorously tested to ensure it’s up to a particular standard. For over 30 years, the dealership has been supplying the people of Kansas and Missouri with top vehicles, and you can see by the excellent feedback online that customers are always happy with the cars that they receive.
Some Buy Here Pay Here dealers will offer a limited warranty at an additional price. Auto Now goes one step further, adding a FREE two-year/24,000-mile warranty to every vehicle sold on any of the lots.
From the date the sale is made, virtually every part of the vehicle is covered under this warranty. The warranty doesn’t cover problems that occur from normal wear or tear, but it does cover all lubricated parts of the engine, most non-internal lubricated parts of the engine, all internal lubricated transmission parts and most non-lubricated parts, the electrical systems, drive axle assembly, brakes, heating, cooling, steering – the list goes on. Even the cost of towing the vehicle is covered (up to $100). For full details of what is covered and what isn’t, get in touch with Auto Now.
With such a comprehensive warranty on a used vehicle, your mind can be put at ease.
Belton, Missouri is just four miles from the Missouri-Kansas border, with a population of around 45,000 people. It’s a booming area that’s seen the number of residents double in the past decade. As with all areas of Kansas and Missouri, having a car makes life a lot easier in Belton. How you go about buying a car in Belton is up to you, but you’ll probably find that Buy Here Pay Here dealers in Belton will give you the best value for your money.
If you’re searching for a used car Buy Here Pay Here dealership in Belton that offers on-the-lot car financing, it may be because you don’t have the best credit score yet you need a car. Buy Here Pay Here dealers are the answer, as they don’t have to follow the outdated methods of the banking industry.
Auto Now is a Buy Here Pay Here used car dealership chain across Kansas and Missouri that has been helping people into the vehicles they need for over three decades. Auto Now has a used car lot in Belton, so if you live in Raymore, Peculiar, Cass or Jackson County, you might find the Belton used car lot the most convenient option around.
If you have no credit or less than perfect credit and have a need for a car there may be an alternative to traditional automobile financing available to you. Buy Here Pay Here car dealerships offer a viable and useful source of financing for those that have difficulty or cannot get financing to purchase a car through normal dealerships.
If you choose a Buy Here Pay Here dealership that intentionally specializes in offering poor credit auto loans, like Auto Now, you’ll get some of the best deals on the market for your particular situation. If you choose a dealership that doesn’t specialize in low credit auto loans, the interest rates you’ll pay will usually be higher than for those with better credit.
People who are particularly responsible with credit can find themselves in a bind when it comes time to buy a car. Because they’ve rarely or never used credit in the past, the credit reference agencies know nothing about them. Banks usually view this as a risk – how can they lend large sums of money to someone if they know nothing about how that person handles credit?
Buy Here Pay Here dealerships in Belton that specialize in low credit loans know that whether someone has had a lot of credit in the past is not a good indication of whether they’ll be able to repay a car loan now.
Auto Now doesn’t perform a credit check, and instead only looks at how much you’re earning on a monthly basis to ascertain how much you’ll be able to comfortably afford to repay. If you’re earning more than $1,200 per month after taxes, you’re almost certainly going to be able to get a loan regardless of anything that has happened in your past. This is great for those who haven’t yet built up a strong credit history.
Buy Here Pay Here dealerships typically work by obtaining an application from you for a vehicle purchase and approve you for a specific dollar amount for a vehicle purchase for a vehicle on their lot.
Applications are typically very simple and usually only require you to have had a job for some specific length of time, verification of your income (typically check stubs), some form of proof of your residence, and of course a driver’s license. The dealership does not normally check your credit.
Applications in many instances can be completed and approved online so you will know the range of vehicles you will be able to purchase off their lot before you even visit them. Applications either online or in-person are usually approved immediately, so you do not have to wait for a bank or other financing source to approve your loan.
Another positive reason to use Buy Here Pay Here dealerships is that they may report your loan status to credit agencies, which will help you in repairing your credit for the future.
You will determine the amount of down payment you can make on your vehicle purchase. Usually, the requirements for down payments are not excessive and in some cases, a down payment can be as low as $99.
The dealership will then show you the vehicles in the range that you can afford to purchase with your approved loan amount and down payment. Many dealerships will even offer some type of warranty on the vehicle that you have chosen to purchase. The vehicle will have been inspected by the dealership’s personnel as to mechanical and safety suitability. The dealerships want the car to be reliable for you because they realize the vehicle needs to get you back and forth to work for you to be able to pay them. It is in their interest to sell reliable vehicles so that they do not have to get into the expense and hassles related to repossessing a vehicle.
Auto Now in Belton offers a two-year/24,000-mile warranty on all vehicles sold through the dealership. This can immediately put your mind at rest if you were worrying there might be any problems with the vehicle you buy.
After you have completed the purchase of your vehicle you will then be responsible for making the payments on your loan at the prescribed times. These payments are made directly to the dealership either in person or online. You can set up regular recurring payments so that you will not even have to remember when your payment is due.
The Buy Here Pay Here option offers a real alternative to get you into a reliable vehicle without a lot of hoops to jump through.
When buying a used car in Topeka, many things need to be taken into consideration. Many questions need to be asked to ensure that you make the right decision when you finally go to the dealership and make the purchase. What kind of car do I want? Do I want a specific make of car? Or how about the model of the car? Also, is high mileage a factor? Mileage on a used car is often a hotly debated item.
When talking about mileage in relation to purchasing a used car, you really have to consider the year it was made. For instance, older cars with quite high mileage might be in great shape. A newer car with the same mileage as one that is five years older might not be such a good deal. It really all depends on how well the car was taken care of. It matters how well the previous owner maintained the engine in that particular car.
As a general rule to get you started, 12,000 miles per year is considered the average.
If an owner of a vehicle neglects to perform proper maintenance on a regular basis, the likelihood that the miles on the car will have a negative impact on performance is high. Making sure that oil is changed regularly and the right type of oil for the engine is used every time is vital in the maintenance of an engine.
In addition, making sure that spark plugs and belts were replaced as needed ensures that the engine was taken care of the way it was supposed to be. If an engine was extremely well maintained and serviced on a regular basis, the odometer reading high miles is not really that much of a problem to be concerned with.
How the car is driven also plays a factor. One has to consider the type of miles that were put on the car. Cruising at a consistent speed and racking up the odometer on the highway does less wear and tear overall to the engine than driving consistently in a city setting.
In a city, the constant stopping and starting at red lights, the acceleration and braking many times, and the use of more gas than highway driving will all take a toll on the engine and performance. Highway driving is much easier on an engine than city driving. The type of driving done with the vehicle really does matter in the long run when the odometer reading starts to really get high.
Another point to discuss is the type of driver and the stress put on the engine from the driver. We as humans are all unique. Therefore, our driving techniques and abilities are different. Some of us drive with a heavy foot, while others never go over the speed limit.
If the used car had been previously used as a taxi or hire car, it could have taken a bigger amount of punishment than most.
Young teenagers who are out with their friends might enjoy speeding down the highway and then slamming on the brakes. This will cause damage in the long run to the engine. An older couple that drives a car and never goes above the speed limit does not put as much stress on their car.
Consider you are looking for a used car with a low down payment in Topeka. There are multiple used cars for sale on the Buy Here Pay Here car lots and all with different mileage. You must consider how the cars were driven and maintained.
A freshly licensed driver just got his first car and is excited to take it out for a joy ride. He picks up his friends and they head to a local hangout for the night. They are in a large parking lot with a few others who brought their cars along. They are standing and discussing their vehicles as they look them over. One of the boys decides it would be fun to drag race down the length of the large parking lot to see who is the fastest. Of course, they all jump on the chance to get into the competition. They floor the gas pedals and take off down the parking lot. When they reach the end, they slam on the brakes so hard they can’t push the pedal down any further. The squeal of tires is heard as they come to a halt just in time to avoid hitting the fence in front of them.
The teens had a fun adrenaline rush, but the cars the teens are driving took a beating. This type of mileage on an engine greatly affects its performance in the long run.
The older couple who has had the same car for years now decides that it would be fun to enjoy the nice day and take a Sunday drive to their favorite restaurant. They go to church in the morning and then begin the country drive to their favorite diner. They take their time and make sure to never spike the gas or brake too hard. They carefully follow all the rules in regards to the speed limit and always stop well before coming close to the car in front of them.
Even though the couple’s car is much older than the teens, it is in better shape. The mileage that continues to add to the couple’s car does less damage and puts less stress on the engine.
All in all, it is important to consider the type of car but also the driver. Many factors need to be taken into consideration on top of just what is being read on the odometer. It is a good number to look at but cannot be taken at face value. The type of driving that made those miles is much more important than the number itself. Ultimately, the overall condition of the used car in Topeka should be taken into consideration before the odometer reading.
Auto Now is a used car dealership in Olathe offering Buy Here Pay Here financing for cars, trucks, and SUVs to those with poor credit. Whether you live in Lenexa, Gardner, Overland Park, Merriam, Shawnee, Leawood, or further afield, we’re ready and willing to get you into the vehicle of your choice without all of the hassles you might have come to expect from a used car dealership in Olathe, Kansas.
Firstly, Auto Now is a different type of used car dealership serving the communities of Kansas and Missouri. Unlike most used car lots of the past, we don’t require you to use a separate bank or lending establishment to buy a used truck, used car, or used SUV from us. In fact, we act as the lender, so you can do everything in one place.
Buy Here Pay Here car lots have revolutionized the used car industry. No longer is buying a used truck or SUV a confusing, worrying matter that stresses you out. It’s a much simpler transaction that gives you more information on what you can borrow and what you can buy all from the comfort of your own home.
You bet we do! Take a look through our website and you’ll see all of the latest used cars, trucks, SUVs, and motorcycles that you can drive away today. We have hundreds of high-quality vehicles at our Olathe, KS branch, and thousands across our six branches in the Kansas and Missouri areas.
Some people are interested in where we got so many top quality vehicles for sale in Olathe at a reasonable price. Most of our vehicles come from trade-ins. A person in Kansas or Missouri purchased a car new at a dealership, paying a hefty premium for the privilege. Now it’s been a few years, and they’ve decided to upgrade to the latest model. This is great news for savvy vehicle buyers, as you can buy a pre-owned SUV, truck, or car at a huge discount from the original price.
For even more bargains, we keep our eye out for vehicles for sale on the private market. If we can find vehicles that we deem to be up to our high standards, we’ll buy them and make them available to our buyers on our Buy Here Pay Here car lots.
Yes, every vehicle is meticulously inspected and tested before it even goes up for sale. We have a great reputation for selling only the best vehicles, so you’ll never find a dud on our Buy Here Pay Here car lots.
Unlike many Buy Here Pay Here car dealerships, we won’t charge you extra for a warranty on the cars, SUVs, and trucks we sell.
Every pre-owned vehicle for sale at Auto Now comes with a massive two-year warranty. It’s also a 24,000-mile warranty – whichever comes first. Take a look at our website for further details of the warranty, but you’ll find it covers almost every inch of each vehicle, from the transmission to the steering system. It’s as comprehensive as any extended warranty direct from the manufacturer, so you can be entirely confident that the car, truck, or SUV you buy from us is in tip-top condition.
Besides the obvious convenience factor of being able to get your financing and make your repayments at the same location where you buy your car, Buy Here Pay Here financing really improves on the old model of financing in a number of ways.
The most important difference for those with poor credit is that at most Buy Here Pay Here financing dealerships, no credit check is performed.
If you’ve had credit problems in the past, it makes no difference to your finance application at a Buy Here Pay Here dealership. Check with the Buy Here Pay Here dealership that you decide on choosing, but at Auto Now, we don’t factor in previous credit problems when deciding whether to lend money to a buyer to financing a used SUV, used car, or used truck.
In almost all cases, you can get financing at Auto Now if you’re over the age of 18, you have a driver’s license, and you earn over $1,200 a month after taxes.
The more you earn, the more you’ll be able to borrow.
If you don’t have lots of spare cash at the moment, you’ll be pleased to know that the down payments on a vehicle at Auto Now can be as little as $99.
If you choose to pay a larger down payment on the purchase of a vehicle, then the monthly repayments will be lower and you’ll ultimately pay less interest over the course of the loan. Of course, we suggest you choose a repayment amount that you’ll be comfortable paying throughout the course of the loan.
Repayments are made easy with our online payment portal, should you choose to use it. You can monitor how much you still need to pay, get a quote on how much paying all of the loan off would cost, and make payments from your bank or from your credit card.
Should you choose to, you can have payments taken automatically from your bank account or credit card on a monthly basis so you never forget to make a repayment on time.
Get in touch with us today or browse the vast inventory of used cars, trucks, and SUVs available at Auto Now in Olathe.
Many people looking to buy their first car have not yet had time to create a long credit history. This leaves them in somewhat of a quandary, as traditional car dealerships in Wichita and across the state usually only offer car loans to people who can prove they’ve been able to handle credit sensibly in the past.
Another large section of car purchasers is those who have had trouble with credit in the past. It only takes a few overdue bills, missed credit card repayments, or late loan repayments for your credit rating to take a knock. Unfortunately, these notes remain on your credit report for many years.
Few alternatives exist. You could save up the entire amount required for the vehicle before you make a purchase so you don’t need financing at all. You can attempt to scrape the money together from a number of credit cards, but these have high interest rates and stiff penalties for missing a repayment. If you’re lucky, you can borrow some money from a family member and pay them back over a number of months or years.
Perhaps the best option of all is on the lot car financing available from a Buy Here Pay Here car lot in Wichita.
You may have only just heard about Buy Here Pay Here car lots, but they’ve been in business since the 1970s and make up a significant percentage of the used car dealerships in America.
Buy Here Pay Here car lots aren’t just a place that sells cars to people who have arranged financing. Buy Here Pay Here car lots offer you the financing in-house, so you don’t need to go to a separate bank.
The simple difference of handling financing in-house instead of outsourcing it to banks makes a big difference to the customer experience. For one, you’re able to do your entire car purchasing in one fell swoop. Having everything done under one roof and making repayments to the same company takes a lot of the complication out of the transaction. Getting a car from a Buy Here Pay Here dealership can be done within an hour even if you’ve had credit problems in the past or you’re yet to build a sizeable credit history.
The next major benefit, particularly for those looking for bad credit car financing in Wichita, is that a credit check is not normally performed. You’ll have to check with the Wichita buy Here Pay Here dealership that you choose, but at Auto Now, no credit check is required.
Auto Now’s policy is straightforward. You can take out a car loan from Auto Now if you’re over 18, have a full driver’s license, and take home over $1,200 after tax each month.
Disadvantages of Buy Here Pay Here dealerships have all but vanished as the market has matured. For example, you might expect the interest rates you need to pay at a Buy Here Pay Here dealership will be much higher than at a traditional dealership.
In fact, because some dealerships like Auto Now specialize in poor credit financing, you’re often likely to get a better deal at Auto Now than if you try to get a loan at a traditional dealership. A traditional dealership will consider your poor credit to be a major risk in their computational model, driving up the interest rate you must pay.
The Buy Here Pay Here industry is now huge and major players from other lending industries have moved into the market, driving competition. The margins for a Buy Here Pay Here dealership are now razor-thin as there’s more competition, making the interest rates, down payments, and extra offers available at a Buy Here Pay Here dealership in Wichita highly competitive.
Some of the extras you get at Auto Now include a low down payment option and a limited warranty.
Another myth of Buy Here Pay Here dealerships is you’ll be required to make a larger down payment than at a traditional dealership. Auto Now bucks this trend by offering vehicles with a down payment of just $99.
Are Buy Here Pay Here cars reliable? Auto Now believes they should be and only offers the best vehicles for sale on its six in-house financing car lots. Each vehicle has undergone a comprehensive check to ensure that every inch of the vehicle is ready for long-continued service.
As Auto Now is so confident in the quality of the cars on sale on the lots, every vehicle comes with a new warranty that covers it for two years or 24,000 miles, whichever comes first. You can find full details of the warranty on our website, but in summary, it covers everything a normal extended warranty from the manufacturer does.
This is without speaking about the advantages Auto Now offers that every dealership should — friendly, knowledge staff who never try to push you into a sale; a massive selection of top vehicles from a wide range of manufacturers; multiple locations in Kansas and Missouri for your convenience; full details of all vehicles for sale on our website; AutoCheck car reports for free; and the ability to make repayments online or automatically through your bank or credit card.
As we don’t perform a credit check, you’ll likely get a loan through Auto Now even if you’ve had credit issues in the past. As long as you’re earning $1,200 or more a month, you’ll be able to drive away in a vehicle from Auto Now in Wichita with a great deal on financing. Schedule a test drive today at Auto Now in Wichita or apply online for instant credit approval.
There are many car dealerships from which to buy a car in Independence. Though when you’re passing you might consider them all to look the same, there are significant differences in how they run their business.
Pay Here Buy Here and Buy Here Pay Here are virtually interchangeable. These refer to dealerships where you make your repayments directly to them.
This is different from a traditional dealership that is just there to sell you a car. The traditional dealership will only offer you the vehicle and you will be required to borrow money from a bank or other lending establishment and make repayments to them.
Some dealerships will offer to find you the best deal on financing through their own financing center. This is not the same as a Buy Here Pay Here dealership, as in the end, you’ll still be paying to a lender that is not the dealership. It can save you looking around for bargains on your own, but there’s no guarantee that the dealership you walk into will offer you the best deal on the market. In fact, there could be financial incentives for the dealership to offer you financing from a provider that’s not the best on the market because they’ll receive a larger commission.
In-house financing is much more close to Buy Here Pay Here as the dealership handles the financing of all vehicles themselves. In many cases, the Buy Here Pay Here dealership will have a Related Finance Company (RFC) that handles the actual financing to make it easier to run the separate parts of the business.
The first Buy Here Pay Here dealerships started up in the early 1970s. At the time, the U.S. was in the middle of a sales and loans crisis, and like later times of financial crisis, this made loans hard to obtain for the average buyer. The price of vehicles was continuing to rise but wages were stagnant or falling. Dealerships had to find a way to allow ordinary people the chance to buy the vehicles on the car lot.
The answer for the dealerships was to essentially become the bank and offer loans themselves. This was a risky business for dealerships, new to financing, especially as they had to offer loans to people who were being turned away by the banks for being too risky to lend to. It was new, untested waters, and some of the early Buy Here Pay Here dealerships went out of business when they took on too much risk or failed to understand how much more of a burden on cash flow running a Pay Here Buy Here car lot could be.
2008 saw a great number of new players enter the market as it began to mature. The risk to dealerships was lower as they had worked out the right ways to reduce cash flow problems and models for the cost of running the business became better at predicting profit and loss.
With so many new companies entering the market, the down payments required to purchase a Buy Here Pay Here car in Independence have dropped dramatically. In fact, at Auto Now in Independence, you can get a car for a down payment as little as $99.
Interest rates have also become more competitive. Getting a Buy Here Pay Here vehicle in Independence when you have a poor credit history will usually mean you’ll be offered a comparable or better interest rate that at a bank or personal lending company.
In-house financing companies continue to innovate and disrupt the used car industry. It’s conceivable that the old method of getting financing from a bank to buy a car will become even more of a thing of the past as more people understand the benefits of buying and financing directly from the dealership.
Some dealerships also include servicing, accessories, and tires on the same lot. This is making the purchase and ownership of a vehicle easier as everything is done in one place.
A relatively new development in Pay Here Buy Here dealerships is the leasing of used cars. This allows for a lower monthly payment, but the vehicle will ultimately never transfer to your name.
Dealerships like Auto Now are making the process of buying a used vehicle extremely simple. Knowing that many people choose a Pay Here Buy Here dealership in Independence because they’re struggling with a poor credit score, Auto Now doesn’t perform a credit check at all. Instead, the criteria for getting a car loan in Independence are simple. If you have a driver’s license, you’re over the age of 18, and you take home over $1,200 per month in salary after tax, then you’ll almost certainly be accepted for a loan and you’ll be able to drive away from the dealership in a vehicle of your own. The down payment will usually be about $99 but can be a bit higher for vehicles that are more expensive. You’ll make your repayments direct to the dealership.
Repayments have become even easier, with the ability to make them online and choose from your credit card or your bank account. You can even set up automatic repayments that come out of your bank account after you’ve been paid each month.
There’s no doubt that Pay Here Buy Here (or Buy Here Pay Here) financing has revolutionized the auto industry in Kansas and Missouri. Especially if you’ve had problems with credit in the past, it’s the best way to get into a great vehicle with a warranty that you can use for family, work, and pleasure.
In Independence, get in touch with Auto Now for Buy Here Pay Here financing that will see you in the car you need in no time. Browse the inventory of vehicles available now.
Trucks present a different purchase experience from that of other vehicles. Because of the high initial purchase cost of new trucks and the rapid depreciation in value early in the truck’s life, a pre-owned truck presents a sensible alternative for many truck purchasers in Belton.
With an increasing number of new trucks being purchased by non-commercial users and users who purchase top of the line trucks as a status symbol and who do not use the vehicle for any extreme tasks, there are many good pre-owned trucks on the market that represent exceptional value.
Trucks come in a variety of different model types, from compact pickup trucks, to full-sized pickups, to heavy-duty brutes.
If you are in the market for a pre-owned truck, you must first decide how you are going to use the truck. While all pick-up trucks offer great utility, you must decide on factors that are important to you such as hauling and towing capacity that will help guide you to the right truck model.
If you are looking for basic transportation and inexpensive operating costs, compact pre-owned trucks for sale should be your choice.
There are a large number of entries in this segment of the market, with domestic and foreign vehicles each having their proponents. These vehicles offer more cargo hauling and towing utility than the smaller compact vehicles. These vehicles make the cut in terms of reliability according to vehicle raters and customer satisfaction surveys:
Honorable mentions in this vehicle segment are the Ram heavy-duty pick-ups, the Chevrolet Silverado 3500HD, GMC Sierra 3500HD Denali, and the Ford F-350.
The choices listed above offer the consensus picks as rated by the experts and customer surveys. For Buy Here Pay Here truck financing, contact Auto Now in Belton. You will be able to get a pre-owned truck in 2020 that, while it has done some miles, continues to be an excellent ride that you can always rely upon. Every part of every pre-owned truck that we sell undergoes a strict inspection and comes with a two-year/24,000-mile warranty, so you can be sure that the vehicle you choose will last you for many years into the future.
With in-house car financing, the dealership not only sells you the car but it handles the financing in-house too. Technically, many of the in-house financing dealerships near 79th & Wornall in Kansas City use a separate company to underwrite their own loans, even in this case from a buyer’s perspective the financing and the purchase of the vehicle is all done in one place.
In-house car financing in Kansas City is perfect for those who have bad trouble with credit in the past. Getting a loan is not predicated on your credit score, and the in-house car financing company can set their own terms on who can be lent money to and how much they can be lent.
When you go to a bank for financing, they will run a credit report on you to judge whether you can be trusted to repay the loan. The running of this credit report in itself causes your credit rating to fall. Simply looking for a loan – particularly if you shop around and try to get the best deal – results in a dent to your credit rating.
While you have a loan out at the bank, it will be recorded on your credit report. This will show that you are in debt, causing your credit rating to fall.
In comparison, most in-house vehicle financing companies in and around Kansas City don’t run a credit check, so your credit is unaffected by your new loan. In fact, it is often the case that the in-house lender will report to credit agencies when you’ve repaid your loan, so at the end of your loan period, your credit rating will have improved.
With everything done under one roof, the purchase of a car feels the way it always should have. You can drop into our 79th and Wornall location (or one of our many other Buy Here Pay Here car lots in Missouri and Kansas), find out how much you can borrow, get the financing at the same time, and choose your vehicle from the vast range on the lot, all in the matter of an hour. Alternatively, you can browse the inventory of quality vehicles we have on our in-house financing car lots on our website, choose the vehicles you’re most interested in, and enquire about the financing online.
Because in-financing dealerships are not constrained by external lenders, it’s up to each dealership to choose its own metrics for who they will offer loans to and on what terms.
Some dealerships will continue to offer relatively restrained lending terms, only offering loans to people with a sizable income who have been in their current job for some time. Others will take into account whether the borrower has existing collateral.
Larger in-house financing dealerships and those with financial backing from an external lender can afford to offer financing to borrowers who would traditionally be considered riskier. If there is increased potential risk for the lender, this may be offset by a higher interest rate on the loan.
When in-house financing dealerships first started showing up in the 1970s, they were not as competitive as banks and credit unions but they served an important purpose offering vehicle loans to people who couldn’t get a loan through other means.
Quickly, as more players entered the market, in-house car financing became much more competitive. Interest rates on loans have consistently dropped and profit margins have become thinner. With the increased competition, in-house financing operators must work hard to secure your business, and that means even better interest rates for the consumer.
Certainly, where users have a poor or short credit history, in-house financing is a very competitive choice and has a great number of other benefits.
Auto Now is a Buy Here Pay Here car dealership chain with six locations in the Kansas City, Missouri area (Independence, Belton, Topeka, Olathe, Wichita, and 79th & Wornall). With one of the largest inventories of quality vehicles in Missouri, Auto Now is the obvious choice if you are looking to buy a used car in Missouri.
At 7901 Wornall Road in Kansas City, we are open from 9 am until 6 pm every day except for Sunday, when we’re closed. On Monday, Tuesday, and Thursday, we stay open until 7 pm for that extra bit of convenience.
Yes, in fact, all of Auto Now’s vehicles come with a 24-month/24,000-mile warranty. Should anything go wrong with specific parts in the vehicle during this period, the dealership will cover the cost of repairs minus a $200 deductible.
The limited warranty is similar in scope to an extended warranty direct from the manufacturer. Covered are the engine, transmission, electrical systems, heating and cooling, brakes, transfer case, steering, and suspension, among other mechanical items.
Instead of worrying about whether you’ve purchased a vehicle that has seen better days, buy from Auto Now that stands behind every single vehicle with this excellent warranty.
Every dealership is different. At Auto Now, we simply require you to be at least 18 years old, have take-home pay of at least $1,200 after taxes, and have a valid driver’s license. Bring along recent pay stubs, your driver’s license, your phone bill, and at least one utility bill. You’ll also need to bring the money for the down payment, which can vary.
In-house car financing from a respected and trusted dealership makes sense for most people as you can get a great deal on an excellent model quickly and without fuss. Come down to 79th & Wornall to see all the great cars on offer at Auto Now.
If you don’t have a lot of spare cash lying around but you need to buy a car, you need a car with a low down payment.
Most of the vehicles you see on the roads of Andover, Derby, Haysville, and other towns around Wichita have been purchased using a loan agreement. Few people have the funds to go out and buy a car with cash.
Buying a car with a low down payment means you’ll be able to drive away a used vehicle in Wichita without having to drop a large sum of money down at the outset. You’ll pay back more over the course of the loan, but your repayments will be consistent.
Auto Now in Wichita is the Buy Here Pay Here dealership that many people from Bel Aire, Valley Center, Maize, and Newton turn to when they need to buy a car with a low down payment. A Buy Here Pay Here car typically represents the easiest way to get a loan on a vehicle regardless of credit history and used car dealerships like Auto Now offer low down payments on Buy Here Pay Here cars.
When you get a Buy Here Pay Here car with a low down payment in Wichita, most of the details of the purchase are the same but there are a few key differences. The Buy Here Pay Here dealership is the lender, so they don’t have to go to a third party to get approval to offer you a loan. You can get a loan right then and there if you meet some basic criteria.
This really simplifies the purchase of a vehicle. You know how much you borrow, how much down payment you need to pay, and you have a list of vehicles on the Wichita car lot that you can afford.
Contrast that to the chicken-and-the-egg situation you typically have at a used car dealership. The dealership doesn’t know if they can sell you a vehicle because you need to get approval from a bank. You go to the bank, and they want details of the car you’re planning on buying, how much your down payment will be, and how much you’ll pay each month. You give them these details, and they run your credit, only to give you a flat denial for financing. Did you ask for too much? Was your credit history not good enough? Did they have a problem with the vehicle or the financing plan? You don’t know, and you have to start the whole process again.
Buy Here Pay Here makes sense. You buy a car from Auto Now, pay a small down payment, and make monthly repayments until your loan is repaid in full.
We should say that we’ve been in the business of offering Buy Here Pay Here vehicles for sale in Kansas and Missouri since the nineties. It used to be that you’d need to put down a larger down payment to buy a car from a Buy Here Pay Here dealership than if you purchased from a traditional used car dealership.
This is no longer the case. Buy Here Pay Here dealerships in Wichita are more than competitive, and this goes too for down payment options. If you browse the many vehicles for sale in Wichita at Auto Now, you’ll notice that most of them offer down payments as low as $99. This means that as long as you qualify for a loan you can drive away in a vehicle today by paying just $99 upfront.
Having said that, you might now think that qualifying for a loan at Auto Now would be difficult. In fact, getting a loan at a Buy Here Pay Here dealership is almost always easier than getting a loan from an old dealership or using old methods.
First off, some dealerships like Auto Now specialize in offering vehicles to those who have had poor credit in the past. To do so, we forego any credit checks and make the choice of whether to loan money to a borrower based on a small set of criteria:
If so, you’ll qualify for a loan. For more exact details on how much you can borrow based on your own salary, you can use our online calculator, get in touch with us directly, or come into the dealership in Wichita.
We believe that our outstanding inventory speaks for itself. All of the vehicles on offer at our six dealership locations have been inspected thoroughly and any small issues they may have shown have been repaired completely. All vehicles come with a two-year/24,000-mile warranty that covers all of the main components of the vehicle.
The fastest way to buy a car with a low down payment is to use our website to apply for financing. Filling in all of your details in the online form ensures that you don’t miss anything that we could possibly need to ensure your car purchase goes through promptly.
Next, choose the vehicles you are most interested in. Our inventory is vast, so you might want to test drive more than one vehicle.
When you come to the dealership, we’ll ask for proof of ID, your driver’s license, and proof of income. You should also bring a recent utility bill and a recent phone bill. You’ll need the funds for the down payment.
After you’ve taken the keys of the vehicle, you’ll make monthly repayments direct to Auto Now until the loan agreement has been paid in full.
We’re sometimes asked whether our vehicles have undergone any tests and inspections to ensure that they’re roadworthy. The answer is a resounding yes! Much of the work we do as a Buy Here Pay Here car dealership in Independence and across Missouri is sourcing, inspecting, and repairing quality vehicles for sale on our six Buy Here Pay Here car lots.
Most of the vehicles we offer are one-owner cars that have been traded in as the original customer trades up for a current-year model. They take the initial depreciation hit so you don’t have to! These vehicles have been inspected by the new car dealership they traded their vehicle into as well as our own mechanics that painstakingly go through a multi-point inspection to ensure every part of the vehicle is virtually as good as new.
Auto Now in Independence offers you the ultimate peace of mind commodity — a warranty on all vehicles we sell. Every car driven off the lot comes with a 24-month/24,000-mile warranty. We’re very confident in the inspections we’ve performed on the vehicle we sell on our Buy Here Pay Here car lots and we back it up with this outstanding limited warranty.
Virtually everything is covered under our worry-free warranty. For any repairs needed to the components included in the warranty, we’ll take care of the repairs and the cost of the parts, minus a $200 deductible. Any part that needs to be replaced will be done so on a like-for-like basis, and we promise to complete all repairs within 21 days (usually much quicker.)
Some of the broad items that are covered are the engine, transmission, transfer case, drive axle assembly, electrical systems, steering, suspension, heating & cooling, brakes, fluids, filters, and lubricants of the covered items.
If your car needs to be towed, the cost of such will be included up to a value of $100. If you’ve within 100 miles of Auto Now when the breakdown occurs, you must deliver the vehicle to us for repairs. If you’re outside this area or you need emergency repairs when Auto Now is not open, you can get your vehicle repaired at a licensed repair facility and contact us the next day to discuss reimbursement. You must contact us as soon as possible.
For more information on what is covered under the extended warranty, see our website or get in touch with us.
As you can see, we go a long way to ensure that the vehicles we sell are outstanding in quality and will never fail you. There’s not a single car on our Buy Here Pay Here car lots that we’re not proud of selling.
For an idea of how we’ve helped people in the past get a great car at a great price, we invite you to browse the thousands of reviews on Google and other websites. Our business has been built on trust and we get most of our new clients through word of mouth. We do our utmost to ensure that everyone is happy with the vehicle they drive away in and the term of the repayments to be made.
We started selling vehicles in 1996 with the intention of filling a gap in the market. We sell vehicles to people who have had issues getting a loan from a traditional banking establishment. We say it time and time again — people who were earning a good wage and clearly had the ability to repay a car loan being turned away by the banks because of the banks’ outdated credit rating system.
If you’ve had credit problems in the past, we welcome you Auto Now in Independence, Olathe, and across Kansas City and Missouri. You’ll find that getting a car loan is no longer a grueling process but a breeze instead.
As a Buy Here Pay Here dealership in Independence, we have the autonomy to decide whom we loan to and how much we lend. We’ve come up with a pretty simple set of criteria for deciding who is eligible. Anyone is able to get a loan at Auto Now when they are:
To prove your status, we ask you to take in some photo ID, a utility bill, phone bill, and proof of income.
Again, we have the banks beaten. If you’ve got all of the documentation to hand, you can be approved in as little as 10 minutes. You can apply online on our website.
As one of the largest used car dealerships in the area, we have a great range of vehicles from which to choose. From compact cars to huge trucks, from motorcycles to SUVs, you’re more than likely going to find the vehicle you need at the right price at Auto Now in Independence or at one of our five other Buy Here Pay Here car lots.
We have cars that are just a few years old with all of the latest tech, and we have older vehicles with a few more miles on the clock that you can get at a steal. All of the vehicles have gone through our extensive inspection checks and are more than fit for travel.
Whatever you’re looking for in a vehicle, you’ll find it at Auto Now. You don’t need to worry about previous credit issues, the requirements for getting a loan are low, the interest rates are competitive, the selection of vehicles is vast, and the process is lightning quick. Visit Auto Now in Independence today.
Buy Here Pay Here car lots have become one of the most common ways for people to buy a vehicle. In short, a Buy Here Pay Here car lot aims to simplify the process of getting financing for a vehicle by offering the financing in-house. This offers a great number of benefits, some of which we’ll cover below.
Buy Here Pay Here financing is an industry term for a type of financing where the dealership itself handles all of the repayments. You make your repayments directly to the dealership.
Some of the time the Buy Here Pay Here dealership will be handing the entire financing business as well as the buying and selling of used cars. Other Buy Here Pay Here car lots use a third party or a sister company to back up all loans made. From the buyer’s point of view, there is little difference, hence the catchall term Buy Here Pay Here.
The option to perform a credit check is up to each individual in-house financing dealership. Some Buy Here Pay Here dealerships in Kansas and Missouri continue to run credit checks on people looking to take out a car loan through them. From their perspective, this gives them a better idea of whether the individual has had credit issues in the past and makes it easier to assess the risk of offering a large loan for a car purchase.
Other Buy Here Pay Here car lots, like Auto Now in Olathe, do not perform a credit check. We are specialized in helping those with poorer credit histories get the vehicle they need. We don’t believe that a person’s credit history gives an accurate representation of their current ability to take out a loan and repay it in a timely manner.
The main reason running a credit check is an issue is that most people looking to buy a car don’t have a fantastic credit rating because of credit problems they had that happened long in the past.
The less obvious problem with used car dealerships running credit checks is that every time a ‘hard’ credit check is performed, your credit rating takes a dip. It’s usually only a temporary drop, but if you shop around to see what kind of offers you can get from various lending companies, used car dealerships, and banks, your credit score could be flagged as suspicious. Someone looking to take out a lot of loans at once could indicate a problem, at least from the point of view of a company that has minimal information on your current financial status.
Yes! Buy Here Pay Here offers so many advantages over the old way of doing business that more and more people choose Buy Here Pay Here dealerships over other options.
The truth is, buying a car from a traditional dealership turned from being a fun experience to something that people dread. The problems of getting financing, working out how much you can afford, calculating whether there’s a good deal to be had, ensuring the vehicle you buy is in good condition, and avoiding expensive add-ons that you didn’t want were compounded by having to deal with multiple companies. The dealership couldn’t give you an exact price until you had financing, and the bank couldn’t give you financing until you had an exact price.
Buy Here Pay Here disrupts the industry by essentially doing away with the bank in the financial transaction. Now, you go to the dealership, you’re told how much you can borrow based on your salary, you choose a vehicle from the lot, and you drive away in it. Simple!
Having everything done under one roof is not only more convenient, it’s also much less stressful. You really have more time to decide whether the purchase of the vehicle is for you. As you know exactly how much you can borrow and how much the repayments will be, you can budget accordingly. You can change your mind about the type of vehicle you want and choose one of the other vehicles on the Buy Here Pay Here car lot.
Buy Here Pay Here means you’re almost certain to be offered a loan if you’re earning a reasonable wage. At Auto Now in Olathe, you must be taking home a minimum of $1,200 per month after tax.
On our website, you can browse through the hundreds of vehicles on offer right now. Everything is there for you to see – the mileage, age, make, and model of the vehicle, as well as a full history report from AutoCheck (Experian). We’ve detailed all of the features you’ll find in each vehicle, the MPG, and the VIN. You can use our payment calculator to get an idea of how much you’ll pay each month until the car is fully repaid, and our interest calculator to see how much you can save if you’re able to take out a loan over a shorter loan period.
The vehicles at Auto Now are available with a low down payment. Often, you only need to put $99 down to drive away in the car the same day.
How do you know the vehicles are in excellent shape? We back up our word with an excellent 24-month/24,000-mile warranty that covers just about every part of the vehicle. (See our site for more details.) It’s similar to an extended warranty you get on a new car from the manufacturer.
So, if you think your credit score might be poor, there’s nothing to be concerned about if you come to Auto Now in Olathe. We don’t run a credit check at all, and we’ll have you in a top-quality vehicle with a down payment as low as $99.
A poor credit score typically rules out going to a bank for an auto loan. Nationwide banks represented in Topeka and across Missouri must work to strict guidelines their head offices have outlined. They cannot make loans to people with poor credit scores.
This can be frustrating when you go into the bank in Topeka that you’ve been dealing with for decades only to find they’ll turn you away for a modest car loan based on your credit score. You feel reduced to a number, and the speed at which you can be denied really brings home how impersonal the financial system is.
Alternative options exist. Most people with a poor credit score should be looking for a used car as opposed to a current-year model, as the amount you pay on a new model is vastly inflated when compared to the price of a vehicle that’s just a few years old. The smartest way to buy a car is to choose a used car from a used car dealership in Topeka, as you’ll avoid the depreciation hit that the first owner takes.
The vehicles you’ll find at a Buy Here Pay Here car lot in Topeka like Auto Now usually come from trade-ins at dealerships. The first owner has driven the vehicle for a few years, having purchased the car at full price when it first came out. He or she has returned to the dealership to buy the latest new car, trading in the original vehicle for a marked-down price.
Used car dealerships in Topeka purchase these used cars and sell them on at a significant discount from the original price. Smart buyers choose to get a virtually new car by buying at a used car dealership. The vehicles have all undergone a complete inspection and any small issues with the vehicles have been fixed. As far as you’re concerned, the vehicle is pretty much as good as new, with only the odometer to show that the car has already done some miles on the clock.
Some Buy Here Pay Here car dealerships in Topeka go even further to back up the vehicles on offer. Auto Now in Topeka offer a two-year/24,000-mile warranty on all vehicles sold on the lot. Like an extended warranty from the manufacturer, this covers all of the most important mechanical parts so that even if there were to be a problem, the dealership will cover the cost of the repairs. For full details of what is covered and what isn’t, check our website or get in touch.
If you have a poor credit score, you’re best to choose a dealership that offers Buy Here Pay Here financing, in-house financing, or Pay Here Buy Here financing. These terms are virtually synonymous and they mean that the dealership handles the financing of vehicles themselves instead of outsourcing it to a bank or lending establishment.
This means that the Buy Here Pay Here car dealership is able to set its own terms as to whom it offers car loans to. This industry was born out of necessity – in the 1970s during a recession, banks stopped lending to people; people who had the means to buy a car and desperately needed to do so. Car dealerships found themselves facing a problem – how do they sell their cars to people who need them when these same people can’t get a bank loan?
The answer was to offer financing in-house and take on the risk that people wouldn’t repay their loans on time. The dealerships could still repossess the car if the loans weren’t repaid, but this additional risk and cost of recovery at first meant interest rates and down payments on in-house financing were a lot higher than the rates offered at a bank – when they were offered at all.
As the decades passed, Buy Here Pay Here dealerships became much more competitive. Consumers had access to the internet and could readily shop around for the best deals. Other players entered the market from the massive payday loan industry that had sprung up. Huge established lending authorities joined in to back up nationwide chains of in-house financing auto dealers. And Buy Here Pay Here dealerships became better at managing risk and lowered operating costs. This has all led to Buy Here Pay Here used car dealerships becoming some of the most competitive offerings on the market.
As Buy Here Pay Here dealerships like Auto Now in Topeka can set their own lending terms, they are able to lend to people with poor credit scores. Indeed, Auto Now doesn’t check your credit score at all, instead basing lending criteria mainly on your take-home wage.
If you take home over $1,200 a month after taxes, you’re likely to be able to get a car loan at Auto Now.
Since 1996, Auto Now has been the choice for many Missouri and Kansas residents for their car financing. From our humble beginnings, we have grown to become one of the largest Buy Here Pay Here dealership chains in Missouri and Kansas, with locations in Topeka, Independence, Olathe, Belton, Kansas City, and Wichita.
We have hundreds of vehicles at each location. Take a look through these on our website to get an idea of what you could be driving away tomorrow. Remember, even if you have a poor credit score you’ll be welcome at Auto Now. Browse through reviews from the thousands of people we’ve helped into new cars and you’ll see we’re the best in the business.
What more can you ask for? One of the largest selections of vehicles in the state, all available with a low down payment, and accessible to everyone who’s earning $1,200 a month or more. Get in touch today, and we’ll discuss your options and get you into a car you’ll love.
America continues its love affair with the truck, as drivers recognize the many benefits of owning a larger vehicle. Even though auto sales over the past few years have been stagnant or dropped, pickup trucks have been selling even better. The percentage of the market that pickup trucks make up has grown year-on-year, and the types of people who are buying them have widened.
Today’s pickup trucks are more comfortable, safer, economical, and family-friendly than ever before.
Pickup trucks are without a doubt the most versatile type of vehicle on the road. As many drivers realize, as soon as you own a pickup truck, you’ll wonder how you ever did without it. When you need to haul a piece of furniture back from the store, your truck has your back. Want to head out into the hills for a weekend adventure? You’ve got loads of room in your pickup. Need to move home or transport a trailer of goods? Your pickup truck’s engine is ready to tow a heavy load. Even just loading up groceries or carrying tools is made better because you’ve got the space to do it.
Another reason to choose a pickup truck is for safety reasons. There’s no doubt that the size of a pickup truck makes it the safer place to be in the event of a collision. All of the trucks you can buy using Buy Here Pay Here truck financing at Auto Now in Belton will have been built within the last decade, meaning they’re all chock full of active and passive safety features that keep you and your companions safe from harm.
Though not often mentioned on the list of reasons to buy a pickup truck, many people buy one because of the way it makes them feel to drive. If you’ve never driven a truck before, try renting one for a weekend and see how people can treat you differently when you roll up in a truck.
If you’re thinking of avoiding trucks because you like luxury, be advised that trucks are now some of the most luxurious vehicles on the road if they’re equipped as such. Take a test drive of a Buy Here Pay Here truck in Belton and you’ll feel as right at home as you feel sitting on your couch!
Correction — new trucks are expensive. The extra price you pay to be the first person to drive a truck is significant, and for most people, it’s not worth it. Instead, be the second or third owner of a truck. You’ll get the same truck but it’ll cost up to 75% less than the original price!
Ah, but doesn’t that mean the truck could have mechanical issues as it’s been on the road for a while? Well, it’s very unlikely. For one, trucks are really built to last these days. If you bought a used truck for sale in Belton a few decades ago, you might have avoided any that were on offer that had over 100,000 miles on the clock, for example. Nowadays, 100,000 miles isn’t a scary number to see on an odometer. The advances in engine design, oil, and lubricants have meant that vehicles are virtually indestructible as long as the ongoing maintenance has been performed.
Of course, a truck is still not something that most people are able to go out and slap down the cash for in one sitting. Almost everyone on the road in a truck in Belton bought his or her truck through financing, paying it bit by bit over a number of years.
You may be saying — that’s OK for Belton residents with good credit scores, but what if I can’t get a loan from the bank because of my poor credit score? This is a problem that a large percentage of Kansas and Missouri residents face. Banks do not want to lend money to people with poor credit scores, as they perceive this to be high risk.
The easiest way for a person with a poor credit score to buy a truck with financing is to choose a Buy Here Pay Here dealership that offers in-house financing.
Many Buy Here Pay Here dealerships like Auto Now specialize in bad credit car financing. We don’t perform a credit check at all when deciding whether to lend money to a buyer so they can purchase a truck in Belton.
If you’re earning over $1,200 per month after tax, you have a full driver’s license, and you’re over the age of 18, then we’ll almost certainly going to be able to offer you an auto loan for the purchase of a truck.
We have a wide selection of trucks for sale in Belton and across our other five locations in Kansas and Missouri. These range from nearly new trucks with just a few miles on the clock to trucks that have been on the road for a few years but are in perfect working condition. Every truck for sale comes with a warranty that protects for two years or 24,000 miles, whichever comes first.
The down payment on our trucks for sale in Belton starts at just $99.
For the fastest way to see how much you can borrow from Auto Now, fill in your details on our site. Then you can browse all the trucks available at our Belton branch or any of our other in-financing branches in Kansas City and Missouri to see which you can afford and which best suits your needs. All that’s left is to come into the showroom, show us proof of earnings, optionally take a test drive, and drive away in your new truck! Repayments of your loan will be made directly to us, so it’s even simpler than at a traditional dealership.
Auto Now is a Buy Here Pay Here car dealership in Wichita that cares about financing your future rather than caring about your financial past. Financing options are available for virtually everyone, regardless of credit status. Buy Here Pay Here financing has revolutionized the car purchase process, making buying a car in Wichita easy for anyone who has had credit problems in the past.
Auto Now has six locations near you, including Wichita, Topeka, Olathe, Belton, Independence, and 79th & Wornall. As a NIADA member, Auto Now is a trusted Buy Here Pay Here car provider with many years of success.
Auto Now is a locally owned Buy Here Pay Here dealership that has been serving the community since 1996. A family-owned business, we’ve grown up in this area and we have loved helping thousands of people get into the car of their dreams regardless of their credit history.
Our intention as a dealership has always been to help the people of our community get a head start in life by offering them the vehicle they need with a low monthly payment.
Our services have become invaluable to people in Wichita as the financial landscape has changed. Fewer residents have been able to get credit through nationwide banks. Traditional lenders have been closing their doors on the people who built them in the first place.
We believe that’s not right. We offer quality vehicles to the people of Wichita regardless of what their credit score says. As long as they’re able to show they can repay the loan in a timely fashion, we’re able to help them get that vehicle that they need. We’re here for you too, so get in touch with us if you’re looking for a used vehicle in Wichita.
Positive reviews of Auto Now can be found across the internet. There are over 800 reviews of our business on BirdEye and Buy Here Pay Here Car Lots alone, and over 500 reviews on Google. Check out the reviews on Google and you’ll find remarks like “amazing service,” “unbeatable customer service,” and we “really care about [our] customers.” We’re proud of our track record and thank our Wichita customers for leaving such glowing reviews.
Yes, buying a car through Auto Now can help you rebuild your credit score if it’s taken a beating in the past. If you have poor credit, you’ll probably be turned away for financing at traditional lenders like banks. Auto Now specializes in poor and bad credit auto loan financing, offering you the best deals on quality vehicles with a low monthly down payment. Even if you’ve had credit issues in the past, you will usually be able to get a loan approved at Auto Now.
Keep making the low repayments and this positive credit will be reported to the credit rating agencies. As positive credit steps can be logged on your credit report, your credit rating will improve.
A perpetuated myth about Buy Here Pay Here dealerships is that you need to make a larger down payment to drive away in your new car. This might be the case at other Wichita used car dealerships, but Auto Now recognizes that a low down payment can make things all the easier for our valued customers.
How does a down payment of $99 sound? Many of our vehicles are available to drive away on the same day when you put down this low amount.
Again, we can’t speak for all Wichita Buy Here Pay Here dealerships, but Auto Now believes in standing behind the vehicles we sell with a strong warranty.
Our worry-free warranty covers the vehicle you buy for 24 months of 24,000 miles, whichever comes first. It covers the repairs (after a deductible) of most of the vehicle’s main parts. For example, it includes the engine, transmission, electrical system, steering, brakes, transfer case, brake assembly, and suspension, amongst other things. Even the cost of towing the vehicle up to a value of $100 is covered.
We believe that alongside our track record and positive reviews from customers, this shows that we’re only willing to sell the best used vehicles that will stand the test of time.
We have literally hundreds of vehicles for sale on out Wichita lot (and hundreds more on our other five lots!) We offer top of the range trucks like the Ford F-150, Nissan Pathfinder, and Ram 1500, sedans like the Toyota Corolla and Honda Civic, and even a wide range of motorcycles.
We invite you to first browse our inventory listings online and come down to our Wichita lot yourself when you have the time to browse the top-quality vehicles first hand.
We offer a secure online payment platform where you can make single payments or set up recurring repayments. You can print out receipts, get a quote for paying off your loan early and make payments separately against all balances.
For automatic payments, these can be made through ACH for savings and checking accounts or made through your credit card.
If you have multiple owners or co-signers they can all have separate accounts to which they make payments and view their statements.
As one of the largest dealerships in the area, Auto Now is an obvious choice when it comes to selling your vehicle or trading up. Simply get in touch with us via our website or drop in to discuss how much you can get for your vehicle and whether you can trade up to a newer or better model.
Auto Now is a pre-owned car dealership that offers Buy Here Pay Here financing to the Kansas City and Missouri areas. Buy Here Pay Here financing is a streamlined process for gaining financing for your purchase, as Auto Now itself is the lender. Instead of having to go to the bank or get multiple quotes (and rejections) from lenders, you can simply get your financing from the same place you’re buying your car from. Your repayments will be made directly to Auto Now too, making the process a much simpler and smarter choice than traditional pre-owned car financing.
Auto Now has no less than six Buy Here Pay Here car lots in Kansas and Missouri. These are located at 79th & Wornall, Independence, Belton, Wichita, Topeka, and Olathe. With so many car lots from which to choose your vehicle, you can bet that we’ve got a pre-owned car that you’ll love.
Take a look at the inventories of each of our pre-owned car lots in Missouri and Kansas. You’ll quickly see that we’ve got great options at excellent prices. Looking for a Kia Soul, a Ford Fusion, or a Honda Accord? You’ve come to the right place. How about a Jeep Grand Cherokee, Chrysler 200, or Honda Civic? Bigger families might be interested in the GMC Sierra 1500 or the Dodge Grand Caravan. All of these vehicles are available at Auto Now at prices starting at around $6,995.
On our site, you can check the expected price, year, make, model, color, mileage, and estimated MPG of each vehicle. We also include a photo slideshow so you can take a look at every feature of the vehicle before you visit us. We invite you to find the perfect vehicle from our various lots online so you know which location to visit first.
Need a vehicle now but don’t have the capital to drop on a large down payment? Rest easy, as most of our models can be driven away by putting down as small a deposit as $99.
Most people aren’t going to come in and pay cash for a vehicle. Financing is the norm. It used to be that you’d have to try and juggle between getting financing from a bank and working with the dealership to buy a car. It was a bit of a chicken-and-the-egg problem – how do you know if you can borrow enough money to get your preferred car if the bank requires you to submit a loan application for the car before telling you? How do you know which vehicle you can afford at the dealership if you haven’t yet gotten a loan? Frankly, for most people, buying a car turned from being something that should be fun to something to dread, and that’s before we consider the stress of making a large purchase, worrying about whether a used car is priced well, and haggling with private owners or used car dealerships.
As discussed above, Auto Now is a Buy Here Pay Here dealership that offers in-house financing. You no longer need to go to a third party to try and get your financing – you can get it all in one day under one roof. We typically take a look at how much your salary is and whether you want to make a larger down payment. From this, we advise you how much you’ll be able to borrow and therefore which vehicles on the lot are comfortably within your means. Simple!
Another reason we stand out from the other pre-owned car dealerships in Missouri and Kansas is our commitment to offering financing to those with bad or poor credit. As we’re not beholden to a bank, we set our own rules regarding whom we lend to. We don’t think of the people who come to as simply a credit score. In fact, we don’t consider your credit score to be a factor at all, so if you’ve had credit problems in the past you’ll feel right at home.
How do we decide whom to offer car loans to? We have a simple policy. If you’re earning more than $1,200 after tax per month and can show us the pay stubs to prove it, you’ll almost certainly be offered a loan to buy one of our outstanding pre-owned models. (Of course, you’ll also need to be at least 18 years of age and have a driver’s license.)
Buy Here Pay Here means you make repayments directly to us. We’ve made this extra simple with our payment processing system. You can opt to pay by credit card or direct from your bank, and you can even have the payments taken automatically should you wish.
Certainly, one of the things that make us stand out is our huge range of pre-owned vehicles across our six sites. We do our best to give you as much information about every model we sell online so you don’t waste any time at the car lot. Click through on any vehicle and you can even see the history report from AutoCheck by Experian.
We’re so confident that all of the models we sell are in excellent condition we give you a free two-year/24,000-mile limited warranty that comes into effect the day you make your first payment. It’s like having a warranty from the manufacturer all over again! All major parts are insured, and if you run into any trouble, we’ll cover the cost of towing the vehicle and the cost of any repairs. There is a $200 deductible.
Browse one of the largest selections of quality pre-owned vehicles right here in Missouri and make your choice at your leisure. Safe in the knowledge you’ll be offered financing without any hassle, come on into Auto Now and get back on the road in an excellent vehicle.
Having a poor credit score is nothing to be ashamed of. You’ll find that across Wichita, because of the various financial depressions and recessions we’ve all found ourselves reeling from over the past few decades that many people have less than perfect credit scores. Money can be tight, and gains on the stock market don’t really mean much to the average person.
Having credit problems doesn’t really matter on a day-to-day basis until you find yourself needing to make a large purchase that you can’t immediately afford. Buying a car is one of these times, as dropping thousands or tens of thousands of dollars on a new vehicle is something very people are able to do. Instead, they turn to financing so they can get the vehicle now and make repayments until the financing is all paid off.
But this is where having bad credit can put a stick in your spokes. Most banks, wary of losing money in another financial crash, will not lend money to people who have no collateral and a history of issues with credit. Even if it’s been many years since you’ve had any problems with credit, it remains on your file as a black mark, stopping you from realizing your need to buy a car.
Thankfully, the auto loan market has changed a lot over the past few decades to compensate for this disparity between the elite banks and the normal person on the street.
In-house financing is an option for those who are struggling to get an auto loan from the bank. With in-house financing, the dealership takes a more hands-on role in sorting out the financing for your vehicle purchase.
The most modern and advanced version of in-house financing is Buy Here Pay Here financing, where the dealership is taking on all of the roles the banks used to in addition to the role of selling used vehicles on a car lot.
As the name suggests, at a Buy Here Pay Here dealership in Wichita you’ll buy your used car at the dealership and make repayments for the loan straight to them. Essentially the dealership becomes the bank and there’s no longer the need to go through an antiquated process of getting approved for a car loan based on a credit score.
Buy Here Pay Here dealerships know that the credit issues someone had seven, eight, or nine years ago are not a good reflection of their ability to repay a loan in the present. Though every Buy Here Pay Here car lot has a right to its own criteria on whom to loan to, most Buy Here Pay Here dealerships base the decision on salary.
For example, at Auto Now, if you’re able to prove you’re a driver taking home over $1,200 each month after tax then you’re approved for an auto loan in Wichita or at any of the other Buy Here Pay Here dealership locations in Kansas and Missouri.
The law still exists of course, so the dealership has the right to repossess the vehicle if the borrower doesn’t keep up with their repayments.
Buy Here Pay Here dealerships, on the whole, do not run credit checks. As dealerships with inventories that they need to shift, there’s a lot of incentive for the dealership to offer loans to people who can demonstrate they’re able to make the monthly repayments.
Because no credit checks are performed at auto loan specialists like Auto Now, the process is lightning quick compared to a traditional dealership. There’s also much, much less paperwork. It’s no wonder that the Buy Here Pay Here industry has grown and grown and more people see the benefits of foregoing the dated traditional dealership.
Very few other options exist for those looking to buy a car in Wichita with bad credit. The issue is that a car is quite an expensive purchase, so other loan options like payday loans, personal loans, and cash advance loans aren’t going to be enough to cover the costs of a car.
If you are able to borrow money from family or friends and pair it with credit card cash advances, it’s feasible you could cover a larger down payment on a car, but it stretches your budget so far that it’s possible you’ll struggle to repay the loan and the various credit cards, resulting in losing the vehicle, devastating your credit score, and worse.
You can choose from a wide range of vehicles for sale on the Buy Here Pay Here car lots of Auto Now in Wichita and across the state. There are hundreds of vehicles, and they’re all available to browse on the Auto Now website. Every vehicle has had an extensive, comprehensive test that ensures it’s running in excellent condition.
Every car bought through Auto Now has a warranty that covers you for two years or 24,000 miles, whichever comes first. So you can immediately be reassured that every car on offer is in excellent shape and should any issue rise up you’re completely covered.
You can apply online for Buy Here Pay Here financing in Wichita on the Auto Now website. All we need is some basic information like your contact details. Remember, we’re able to get you into a car today if you’re over the age of 18, you have a driver’s license, and you take home at least $1,200 each month after taxes.
For those with poor credit in Wichita, the best auto loan option is Auto Now, where you’ll find easy auto loan approval and a huge range of fantastic cars from which to choose.
Each year, tax season comes around, and most people get a tax return for any amount they overpaid throughout the year. This can feel like a bonanza and it is easy to spend your money quickly. Before you know it, your tax return is gone.
What should you spend your tax return on? This year, use your tax return for something useful and buy a used vehicle. Here are some tips for setting up your next season for success by buying your next used vehicle at a Buy Here Pay Here dealership in Topeka.
The best way to make good choices when your tax return comes is to have a plan in place before it arrives. Set your sights on the used vehicle you’re looking for and take into account all of the expenses that will be required. Consider the used car financing costs including the interest on your repayments. There are also expenses such as seat covers, car accessories, window tinting, and insurance when you buy a used car.
The best way to be sure that you don’t overspend before you buy your used vehicle is to write a list of everything you will buy. Find out how much each item will cost including your new car and tally up the total. This way you can stay within the allotted amount and you will have enough left over from your tax return to afford your used vehicle.
Once you have an idea of how much you can spend on your next vehicle, start hunting for the vehicles within that price range. For example, if you have $5,000 to spend, you can afford to look at virtually any vehicle made between 2000 and 2010. It is also a good idea to decide now whether you want to pay cash, use credit, or finance in-house at the used car dealership. Buy Here Pay Here financing at a Topeka on-the-lot used car dealership is a good choice, as you’ll be able to get a good vehicle regardless of your previous credit history.
If you want to buy a car that is above your price range, you can take your tax return and use it for a down payment on a more expensive vehicle. With $5,000 down, you can afford a car that costs closer to $20,000.
There is only a matter of weeks between Christmas and tax season so it’s vital not to overburden yourself and get into debt during the holidays. Stick to your list for how much you can spend on items like gifts, insurance, and other expenses. It is best not to spend money before you get it and that can be a downfall of credit cards.
When planning to buy your next used vehicle, keep in mind how great having that car will be when you are tempted to spend your tax return ahead of time. Anytime you go shopping during the holidays, try to forget that your tax return is coming and only spend within your means.
A great way to stay financially organized when preparing for your used vehicle purchase during tax season is to use a financial planning app. There is a host of apps that can help you create a budget, or you can use a financial planner to organize your expenses.
Apps such as Mint, Cash App, Personal Capital, Goodbudget, and Quicken can be invaluable in sticking to your budget. Create a list of expenses and allot how much you will spend for each.
When buying your next vehicle, be sure to explore any available tax breaks available for those buying a used vehicle. The IRS will let those looking to buy a car deduct sales tax paid on a car purchase, but it must be itemized on Schedule A Form 1040.
Those looking to buy an electric or hybrid vehicle may get additional tax incentives for purchasing an environmentally friendly vehicle.
If you use your vehicle for business, you can get a tax deduction for things such as gas and buying an electric vehicle.
There are also frequently end of the year deals available just for tax season that are worth taking advantage of.
Perhaps the hardest part of buying your next vehicle is the initial choice of which kind of car to buy. Whether you are planning to use it for travel, daily driving, or business purposes, it is important to invest some time into researching the big purchase.
For example, if you have a large family, it can be ideal to purchase a vehicle with a larger seating capacity such as a minivan or SUV. These can also be great choices for those who live in places that experience harsh winters.
If you live in a warmer climate or don’t have children, perhaps a sedan or even a coupe is best for your situation.
Be prepared when you walk into the dealership and know what you are looking for to avoid making a snap decision you may later regret. During the purchase process, ask for important details such as how many miles are on the vehicle, what the Carfax report looks like, and how much it Blue Books for. These are all important parts of buying your next used vehicle and the more research you do in advance, the better your decision will be.
Give yourself enough time to research your next vehicle and avoid buying your next used vehicle in a split-second decision. The staff at the Topeka used car dealership will be happy to let you inspect your future vehicle and take it for a test drive, so be sure to take advantage of all of the help available to you when buying your used car.
There are times in almost everyone’s lives when money is short. During those times, one’s credit might be affected if you’re unable to repay a loan on time or you’re late on a few bills. Everybody knows that credit takes a significant time to rebuild, but how are you supposed to cope with credit issues and needing a car?
For rural homeowners, cars are not a luxury but a true necessity. Solutions do exist but choosing the right one is sometimes not an easy task.
With a Buy Here, Pay Here dealership, the seller and the lender are the same entity, thus allowing for a simplified buying experience, personalized to the exact needs of the customer. This allows the dealership to offer much more lenient terms and as long as they’re sure you’re able to repay a loan you can drive away in a new vehicle the same day.
Car dealerships that cater to those with credit issues have been around for decades, but how is one supposed to find one that is fair, professional, and trustworthy?
Let’s take, for example, the Wichita area. A dealership that checks all of the above boxes is Auto Now. When searching for a trustworthy, proper car dealership, one should first look at the time they have been in business, and in this case, Auto Now first opened its doors back in 1996 and now operates six locations in Kansas and Missouri. More so, looking into the quality of the service provided. Returning customers are a key indicator of quality, and we have a lot of those indeed. There are hundreds of positive reviews online from previous customers of Auto Now, so you can be sure you’re getting a fair deal.
A small minority of Buy Here Pay Here car dealerships have limited inventories that, in the worst-case scenario, consist of vehicles that few people would consider buying. Unfortunately, this type of approach that takes advantage of the customer’s financial status used to be not at all uncommon in this market.
This is not the case with Auto Now. We offer a huge selection of quality vehicles — more than 500 vehicles in stock at any given moment. What does this mean? Basically, the customer can find anything he or she needs — from hatchbacks to sedans and wagons, from convertibles and coupes to SUVs and trucks, from minivans to hybrids — every imaginable passenger vehicle type is covered by our lineup, and they’re all available to buy on excellent repayment terms.
Furthermore, while Auto Now uses a variety of sources for its inventory, from auction vehicles to direct dealer trade-ins, we have a professional vehicle inspection program in place that ensures the quality of our for-sale fleet.
A good car dealer knows that a customer that has issues with a vehicle they purchased will, a) potentially miss work, which in term might mean missed payments and b) will almost surely not become a loyal, returning customer.
A customer at Auto Now will always be able to schedule a test drive in his or her desired vehicle to ensure that the choice made either on the website or on the lot is the right one.
Given Auto Now’s huge inventory, a potential customer can for sure find his or her next car there. Once the vehicle has been found, the next step is arranging financing. Fortunately for customers experiencing credit issues, the approval process is as hassle-free as it gets.
Only three conditions have to be met. The customer must be 18 or older, have a valid driver’s license, and have a net monthly income of $1,200 or above. It’s as simple as that!
The actual financing process is extremely flexible and a qualified consultant is available to assist the customer in every step of the process, determining the best course of action in terms of a payment schedule, down payment and so on and so forth. There’s never any pressure to buy and you can spend as long as you want considering the options before you.
The process is so simple that is not uncommon for Auto Now credit applications to be approved in less than 10 minutes.
Once the vehicle has been financed and taken home, the happy customer is able to make the payments conveniently, given the variety of payment options available — one can pay at one of the six Auto Now locations, online, by phone, or even via direct debit that can be set up online.
Not many dealerships offer the post-purchase peace of mind that Auto Now offers our customers with our 24-month/24,000-mile warranty program. The program acts just like a normal car warranty, covering the drivetrain, electrical systems, steering and suspension, heating and cooling, brakes, and so on. Just like with every other car warranty, maintenance items, and other situations like theft, vandalism, and acts of God are not covered. For each warranty claim, there is a $200 deductible, which is a small price to pay for the peace of mind of knowing that the vehicle is covered against potential mechanical or electrical issues.
Given all of the above, it’s a no-brainer that Auto Now is more than just a valid car buying choice in the Wichita area for people with credit issues. The professionalism, the client focus, and the overall quality of the vehicles and services provided are all indicators that Auto Now is a reputable Buy Here Pay Here car dealership that you can trust.
Our dealership stands out from the others because we actually believe that everyone deserves a second chance in life and we treat our customers in a professional and friendly manner. Get in touch to discuss your Buy Here Pay Here options at Auto Now in Wichita today.
At Auto Now at 79th & Wornall, we are a Buy Here Pay Here dealership that offers car financing for top used vehicles. With Buy Here Pay Here financing, you don’t have to go to a bank to secure your funding.
We want your vehicle to last a lifetime. For drivers in all areas of the country, there are preventative maintenance steps that should be taken on a regular basis for your vehicle’s health, and this is also true for drivers in Kansas City. If you own a used car in Kansas City, here is a list of the top ten preventative maintenance tips for your car that will keep it in top condition.
Changing your oil and oil filter on a regular basis is probably the most important regular preventative maintenance step that you must take.
How often do you change your oil? Following the directions of your vehicle’s manufacturer handbook is the first consideration. Most will recommend changing your oil every 3,000 to 4,000 miles. Keeping your oil clean and fresh is important for winter and cold weather driving as it makes starting your vehicle much easier.
As a rule, synthetic oil is a superior choice for use in your vehicle. Synthetic oil offers better engine protection for your vehicle and can even help to prolong the life of your car’s engine. Generally, synthetic oil need to be changed much less often - every 10,000 to 15,000 miles - and as such, despite the higher price, it will cost the average driver less than an additional $100 per year. This makes synthetic oil the wise choice for most drivers.
Having all the vehicle fluids checked is something that most vehicle servicers will do as a part of the oil change service. Brake fluid, power steering fluid, transmission or transaxle fluid, windshield washer solvent, and antifreeze are all items that should be checked whenever you get your oil changed, if not more often.
You should have the lubrication of the chassis and suspension checked to help extend the life of the moving parts.
For cold weather and winter driving, it is important to make sure your engine’s antifreeze is at a level that will protect your engine. Making sure that your vehicle has a full reservoir of windshield washer solvent will help to make your winter driving safer.
All these fluids are important in ensuring the safety and performance of your vehicle.
Make sure that your mechanic checks your spark plugs and fuel injectors on a regular basis. Fouled spark plugs and clogged fuel injectors will dramatically affect your vehicle’s performance and fuel economy.
Good spark plugs and fuel injectors will also provide safety when you need full power and acceleration when driving. In winter weather, they will help to keep your vehicle starting easily.
Make sure that the belts that make all those different systems work properly including checking that fan belts, power steering, alternator, and air conditioning belts don’t have cracks, missing drive sections, excessive wear, or stretches.
Some manufacturers suggest replacing belts every two years. Check your owner’s manual for any recommendations for your particular vehicle. You will want to make sure that your alternator is properly charging your battery, especially during the winter months, to keep your vehicle starting without problems.
Check your tires for tread wear and tread depth. Make sure you do not have any unusual wear patterns on your tires and that there is enough tread left on your tires so that you can stop your car efficiently.
You should also make sure that your tires are properly inflated, which will get you proper fuel economy and optimal tire life.
If your battery is more than a few years old, you should check with your mechanic or vehicle servicer to see if you need to replace it. Battery cables and posts should be inspected regularly for corrosion and should be cleaned regularly.
If your vehicle does not have a maintenance-free battery, make sure that the fuel levels in the battery are correct. The last thing that you will want to deal with on a cold winter morning is a dead battery.
Check those windshield wipers for cracks or tears, and make sure that they are making proper contact with your windshield. Most experts suggest changing them once every year. You may also want to consider windshield wipers designed for snow and ice removal during those winter months. You for sure want to be able to see when those trucks splash ice and mud onto your windshield.
Clean your air filter on a regular basis to make sure it is not clogged up. Most experts suggest changing your air filter every two or three oil changes. Making sure your air filter is not clogged will increase your engine efficiency and fuel economy.
You should have your lighting system checked at regular intervals. Make sure that headlights, turn signals, brake lights, and taillights are all working properly. Make sure that any bulbs that are burned out or weak are replaced promptly. It is not safe to drive with any of these not working properly, and promptly replacing them may also save you from receiving a costly traffic ticket.
People usually do not think about their car’s brakes until it becomes obvious that there is a problem. Most recent vehicles come equipped with disc brakes. Your mechanic or vehicle servicer should check the rotors, pads, and calipers to make sure they are not worn or in need of repair. Brakes are typically good for 40,000 to 60,000 miles depending on your driving style, but have them checked on a regular basis can save you from more costly repairs or accidents.
If you follow the above steps on a regular basis, you should keep your car running efficiently and safely for driving in the Kansas City area.
While there is no denying that life has its fair share of obstacles, transportation issues should not be one of them. Having a dependable vehicle in Belton that you can use to run daily errands, get to and from work and school, and make emergency runs when needed, is important. Without that ability to get from one place to another, daily life can be a miserable experience.
That emotion of feeling helpless when you need to get something done in town but have no way to get there is one that everyone would love to avoid. However, with the prices of vehicles both new and used often too expensive for the everyday individual to afford, owning a car is sometimes not a given by any stretch of the imagination.
In many cases, family members are forced to depend on one another to help out by either loaning out their vehicle or giving a ride to their loved ones in order to help them get something done.
Although many large cities offer delivery options for groceries and take out, smaller communities across the country do not have those options available to them at this time. So, having a car to go get groceries and daily necessities in order to survive from one day to the next is a must-have.
Running a car can be expensive, but for many people the convenience of a vehicle is a virtual requirement. If you’re looking at shaving hours off your day by avoiding public transport then it generally makes sense to get a vehicle.
While going out and buying a dependable ride for those who find themselves in this scenario can seem way out of the question due to financial limitations, there is another option that could offer a helping hand in a time of need. Auto Now is ready and willing to help serve anyone who needs to finally get themselves a vehicle that they can count on to serve them and their families.
Auto Now is a Buy Here Pay Here auto dealership in Belton that makes it our mission to ensure that all of our customers drive away with a quality ride of their own. This can be a godsend of a service for anyone who finds themselves stranded on the road of life, searching endlessly for a path to a better way of living for them, their spouse, and their children.
In this way, we don’t think of Auto Now as merely a used car dealership. We think of our work as offering a lifeline to those who need a loan and can clearly repay it but the banks are turning them away. This is increasingly the case as the divide between rich and poor grows wider and wider.
Auto Now does not turn away anyone purely because he or she has a history of credit issues. On the other hand, traditional banks would not even give a second look to anyone who has had a history of sub-par credit.
Because we don’t have such stringent rules on who to lend money to and why, we can offer loans to a much wider swathe of the public. This opens up the doors and gives individuals from all walks of life the opportunity to advance themselves in just about every conceivable category. We’re proud of the difference we’ve been able to make in Belton and across the state.
Auto Now skips all the mumbo jumbo that other car lots put their customers through when trying to obtain transportation. We make the process of getting a high-quality pre-owned car a seamless experience through nothing more than pure professionalism. We have a mission to send all of our customers away in a car that is not only reliable but one that they can show off to their friends and family with pride.
Auto Now likes to treat all individuals with respect and dignity, and we always do so with friendly smiles on our faces. Customers from various communities find that Auto Now works with them to get the type of car they are looking for in a timely manner with on the lot financing, avoiding the mistakes they may have made in the past in terms of financial mishaps that anyone can experience from time to time.
Furthermore, the car experts at Auto Now always try to cater to the financial capabilities of our customers, helping them establish very low monthly payments.
Another great accommodation that Auto Now offers is a worry-free twenty-four-month warranty on our vehicles, allowing buyers to drive with confidence at all times. The dealership offers a large assortment of vehicles that are sure to appeal to customers with different needs. No matter the type of vehicle you’re on the hunt for, chances are good that Auto Now can produce something that will be a perfect match.
The bottom line is that getting a car through a Buy Here Pay Here dealership in Belton can be a great option for many individuals. Many potential buyers need to finally get a car of their own or they need to upgrade their wheels and get something more suitable for their lifestyle. Others may need to get a ride that is safer and more reliable, especially those families who transport their children on a daily basis to school and athletic events.
Making the decision to go after a life-changing vehicle at a Buy Here Pay Here dealership in Belton like Auto Now can be a terrific financial decision, and overall an experience that pays dividends. Anyone in the car-buying market who wants something reliable can really help themselves out by checking out the vehicles on offer in Belton at Auto Now.
If you have ever been without a car then you know it is very difficult to be everywhere you need to be without one. Whether you are trying to get back and forth to work or getting the kids to soccer practice, modern life often requires quick access to reliable transportation.
Unfortunately, most people cannot afford to purchase a vehicle with cash. The typical car buying experience involves borrowing money from a bank or other third-party lender to purchase a vehicle from a car dealership.
So what do you do if you have poor credit and can’t get a loan approved from a traditional lender but find yourself in need of a vehicle? Is it even possible to buy a car with less than perfect credit?
Fortunately for many hard-working men and women, it is possible to purchase a reliable car regardless of your credit history. In fact, it is not only possible but easy. Buy Here, Pay Here dealerships offer car purchasing options to everyone no matter what their current credit score is. Buy Here, Pay Here dealerships also take many of the hassles and frustrations out of purchasing a car.
The typical experience from a traditional dealership involves signing a contract that is then passed along to an auto lender or bank that may or may not approve a loan for your purchase. These types of auto loans involve credit checks and often require a good credit history.
Buy Here, Pay Here dealerships, on the other hand, are usually open to working with customers who may have a problematic credit history. This makes them ideal for people trying to reestablish credit who need a vehicle now.
At a Buy Here, Pay Here dealership, financing is usually discussed first. This allows the dealer to take the customer’s financial situation into consideration when helping them to choose a vehicle. While this may limit the choice of vehicles available to you, it will also eliminate the disappointment of choosing a vehicle only to find out later that you cannot secure a loan for money needed.
Because both the purchase of your vehicle and your financing are taken care of by the same company the auto purchasing process is much quicker and easier. Many Buy Here, Pay Here dealerships have simple eligibility requirements. For example at Auto Now you only need to meet the following criteria.
As you can see, most applications can be completed with a valid driver’s license and your most recent pay stub.
Purchasing a car from a Buy Here, Pay Here dealership turns car shopping into a true one-stop experience. Not only do you purchase and finance your vehicle at the dealership. You also make your car payments at the dealership. No more sending payments to some lender you’ve never heard of possibly in another state and wondering if your payment is going to get there in time. Instead, everything is local. You can go back to the same dealer to make your payments or sometimes even make them online. Either way, if there are any issues, you know to whom you are dealing with and how to contact them.
When purchasing a vehicle from a Buy Here, Pay Here dealership you have the comfort and convenience of knowing exactly what you can afford before looking at vehicles. This removes a lot of the stress, guesswork, and haggling that is typical of most car-buying experiences. This makes it a great choice for first-time car buyers who might otherwise overestimate what they can truly afford and set themselves for failure and all the credit implications of late payments, or even worse — repossession.
Those who find that they need to shop for a vehicle on a tight budget will also appreciate being able to work out the finances first then find a car that fits both their needs and their financial circumstances. In the long term, this is less stressful and more financially sound than the traditional method of finding a car then trying to make your finances fit the car.
Whether you have credit problems, are a first-time car buyer, or you’re just looking for a simple streamlined car purchasing experience, buying your next car from a Buy Here, Pay Here dealership can be the solution you are looking for.
With purchasing and financing both handled by the dealership and few credit requirements, Belton Buy Here, Pay Here dealerships can offer you a hassle-free shopping and financing experience. They will help you to determine what you can afford and secure your financing then find a car that meets your financial needs.
As the vehicles are located there on the lot right where you’re getting your loan, the process of buying a car is greatly streamlined. You can find out how much you can be lent, choose your car, and drive away the same if you want to.
So if you find yourself in need of a vehicle check out a Buy Here, Pay Here dealership near you and let them help you find the car you need at a price you can afford. Auto Now in Belton should be your first choice, as we offer a wide range of vehicles in great condition that you can drive away in today, even if you’ve had credit problems in the past.
Almost every person makes an investment in a vehicle at some point in his or her life, but exactly how does one go about using a Buy Here Pay Here dealership to get the best deals?
If you are unfamiliar with the term Buy Here Pay Here, it can be summed up as a dealership where you can finance at the same location you buy the car. The advantage of using a Buy Here Pay Here dealership is that even those with only a little money down can still drive away in their new car. Even if you have a poor credit rating, a Buy Here Pay Here dealership will still do business with you nine out of ten times. This is essentially the best way for those who need a vehicle and who want to improve their credit score.
A Buy Here Pay Here dealership is a common way that people rebuild their credit or purchase vehicles that are just outside their price range.
Using a Buy Here Pay Here dealership doesn’t necessarily mean you have poor credit. In fact, it may be that the dealership is willing to offer a better interest rate on the loan than your bank or other financial institution. At the least, you should weigh up the offer from the dealership to see if it’s the best option for you.
Auto Now in Topeka, KS offers an easy way to get a loan as well and if you find yourself in an emergency, you can always take your vehicle to Auto Now in Topeka, KS and get the cash advance you need. Just be sure that you can pay it off in the allotted time frame.
A great advantage of using Auto Now in Topeka, KS if you live in the area is that you don’t have to worry about mailing a check since you can just make your payment directly at the dealership.
Buy Here Pay Here is essentially in-house financing where those looking to buy a car can get the loan they require right from the dealership. This can be a better option for those who either don’t have good credit or simply don’t want to take out a loan from a bank to buy a new car. Overall, it’s faster, and you’ll not have to deal with so many people.
Auto Now in Topeka, KS will typically start by taking down information such as your driver’s license and social security number, and after running your information, we will make an offer as to whether we are able to let you drive away in your new car. We will also provide you with loan details such as what your interest rate will be after running your information.
Once you’ve been approved and have chosen a car, you can drive off the lot the very same day. When it comes time to make a payment, you will pay the dealership where you bought the car as opposed to paying your personal bank or credit union. You can still pay using convenient methods such as online or through direct debit.
Those with poor credit will struggle with basic things such as buying a home or getting a credit card, and they will be no stranger to high interest rates. A Buy Here Pay Here dealership is typically going to offer those with bad credit an interest rate comparable to what a bank would offer if the bank was willing to lend the money. At any lender, if you have average or good credit you could get an interest rate of around 17%, but if you have excellent credit you may only pay as little as 3-6%. Only the very best credit scores are privy to such low interest rates.
Auto Now in Topeka, KS offers competitive interest rates that are lower than the competition, making us an excellent choice for a Buy Here Pay Here dealership. We make it easy to get a top car without having to pay interest for years on end.
Many young buyers do not understand the consequences of signing an auto loan agreement and may sign a contract agreeing to pay a very high amount of interest. Auto Now in Topeka, KS is one of the dealerships that won’t take advantage of its customers and will always offer a reasonable interest rate.
One of the best aspects of Buy Here Pay Here dealerships is that no down payment is required. While this isn’t always true depending on the value of the car, it is usually possible to drive off the dealership in your new car the very same day while only putting a little money down.
You may be wondering how a dealership can afford to do this. The simplest answer is that the value is in the car itself, so if you become delinquent on your payments and don’t make an effort to make the proper payment arrangements they can always repossess the vehicle and recover the value of the car. It is also common for a lender to install a tracking device and some vehicles have GPS trackers built-in. This will allow them to know where to find the vehicle if they ever need to repossess it and that is essentially the protection against losing the value the vehicle represents.
Auto Now in Topeka, KS remains one of the most notable Buy Here Pay Here dealerships in Topeka, KS. With a great staff that is always friendly and willing to help, you will never be taken advantage of. Make your next loan at Auto Now in Topeka, KS and get yourself into your next car as soon as possible. You won’t regret visiting our friendly dealership in Topeka, KS where their pricing is always competitive.
It’s not uncommon for someone to find themselves in the position of having credit problems that make it virtually impossible to get a reliable car for transportation. Thanks to income inequality and low wages, it’s happening to more and more people.
It’s not so bad if the person just wants a car, but what if it’s not a matter of wanting but a matter of actually needing it? Public transportation is not always a valid option and specific circumstances such as work schedules or long commutes often make car ownership mandatory. However, if one has credit issues, the probability of being able to afford to buy a car in cash, without a loan, is extremely slim. If traditional car loans are not an option, is there anything else?
Fortunately, there are solutions in the form of Olathe car dealerships offering On the Lot Financing, usually known as Buy Here, Pay Here dealerships. While at a conventional dealership the financing is done by a separate loaning institution, like a bank, in the case of On the Lot Financing dealerships, the dealer and the lender is the same institution, which makes the process that much easier.
This type of dealership, while catering to everyone regardless of credit history, has a particular focus on customers with credit issues. It is sometimes known as bad credit car financing. The actual terms and conditions of the bad credit car loan will vary quite a bit from dealer to dealer, but the common denominator between all of them is the focus on the need of the customer to afford a vehicle.
A Buy Here Pay Here dealership that’s in business to help people can be of great help to the community. A good Buy Here, Pay Here dealership will always have a streamlined loan approval process focused on offering the best solution possible to the potential customer, while carefully considering his financial situation, his needs, and his ability to afford the payments.
Usually, the client will have to first meet a simple set of criteria regarding age, income, and holding a driver’s license. The conditions are much more lenient than the conditions set by a banking institution for the same loan.
Once these conditions are met, a professional consultant trained to guide him through the loan process will help.
The flexibility of the loans offered through on the lot financing is far greater than that of traditional financing institutions. While it’s easy for a bank to reject a car loan, a dealer that is offering a car loan will always consider every option in order to find a financing solution that works for both them and the customer, so that in the end the car gets sold and the customer gets a reliable form of transportation. Buy Here Pay Here dealerships work hard to cater to everyone as they’re competing with banks and financial organizations that have much more capital yet take less risk.
Dealing with credit issues, the last thing a customer needs is a loan approval process that takes ages to go through and requires a vast amount of documentation. Fortunately, in the case of Buy Here, Pay Here dealerships, this is not the case. They, for the most part, want to approve the loan and sell the car, at the same time making sure the customer is happy because a satisfied customer will be a returning customer and a good advocate for the dealership.
So, the amount of documentation needed for approval for this type of car loan in Olathe is usually basic and quite limited, making the process that much more streamlined. Furthermore, while a traditional car loan can take quite a while to get approved, On The Lot Financing will get approved extremely fast, usually in less than an hour. It’s then up to you to decide on the vehicle you want.
So, with that in mind, fortunately, options exist to get approved for a car loan even when struggling with credit issues. In today’s market, customers finding themselves in this situation no longer have to settle for less. Market conditions have ensured that quality dealerships are available that offer On the Lot Financing while at the same time offering a level of service on par with traditional dealerships.
Nowadays, if someone has credit issues, he is still able to browse through a huge inventory of pre-checked vehicles in order to find the car he needs. The peace of mind of being covered by a warranty is also available. More and more Buy Here, Pay Here dealerships offer warranty programs matching the coverage provided by traditional car warranties.
Living in a digital era, payments are no longer accepted only at the dealer’s locations. Most establishments offer payments via phone, Internet, or even direct debit arrangements. Also, a derivative of the digital era is the fact that with social media and online reviews everywhere, a dealership offering below average service will be quickly revealed and dismissed by the market.
In conclusion, having credit problems is no longer a limiting factor for one’s mobility. The option of a loan from a dealership offering direct, On the Lot Financing is available and comes with all of the perks of traditional dealerships like big inventories to choose from and comprehensive warranty programs. There’s also a level of flexibility and an approval ratio that cannot be beaten.
Securing such a loan not only provides the customer with reliable transportation and peace of mind but is also a good step in the right direction towards restoring one's credit rating. Take advantage of these new dealerships that are disrupting the old ways of business by offering loans to people who need it the most, getting them into the vehicles they need to live their life and get ahead.
When it comes to trading in a car, not many dealerships will turn down trade-ins. The trade-in can be high in value or can be low in value, but either way, most dealerships use the trade-in as a bargaining tool, as should the seller.
It’s very convenient to drop off one vehicle and pick up another instead of trying to sell the vehicle on the private market before buying a new one.
Trading in a Buy Here, Pay Here car is very possible. Not only can you trade in a Buy Here, Pay Here car, but technically the car doesn’t even have to be paid off. As long as the car has equity in it, you most certainly can trade it in. This is of course up to the Buy Here, Pay Here dealership in question, and every dealership will have its own rules. Many dealerships will require that all previous loans are paid off first before a trade-in can be considered at all.
For a Buy Here, Pay Here car in Olathe, the trade-in process is the same as if you are trading in any other type of vehicle. Research your car’s trade-in value to see how much the car is worth at this point. The Kelley Blue Book and NADA are just a couple of the sites you can use to get your own estimate of your vehicle.
What is even better for a Buy Here, Pay Here car is to get the vehicle appraised by at least two separate dealers. Once that is complete, you will have a better idea of how much your Buy Here, Pay Here car is really worth, and you can start to move forward in the trade-in process knowing exactly what to expect.
Make sure to bring in any and all service records you have for the vehicle. This is not technically required, however it will show how much you have been taking care of the vehicle and the trade-in value may increase.
Do not try to turn in a dirty vehicle. Make sure not only the inside but also the outside is neat and clean. Some people may go ahead and get their vehicle detailed. This is not completely necessary, but making sure the car looks neat, clean and presentable is necessary. It is also very important to fix anything small that is wrong with the vehicle. Making sure that all basic car maintenance has been taken care of already can entice dealers to offer you more money for your trade-in.
One of the best tactics for trading in a Buy Here, Pay Here car in Olathe is waiting until the end of the negotiation process to bring up the trade in. That way, almost all the focus is simply on the price of the trade-in instead of the more complex arrangement of trading up.
Some dealerships do have specific trade-in requirements for cars. Sometimes, if the car is simply too old or has mileage that is too high, no matter how good of shape the car is in, the dealership won’t accept it as a trade. If they’re planning on selling the vehicle again on their own lot, the vehicle you are trading in will need to meet a certain standard.
If you have the extra cash on you, and you can’t wait to buy a new vehicle, you can simply get rid of the negative equity by paying the difference between what you actually owe and what the car is actually worth at that point. Some dealers will allow you to roll over the negative equity into your new loan. But be careful with this option. This does not remove the negative equity. This just means that you are now paying for the old loan along with the new loan at the same time.
The bottom line is if your vehicle has some type of equity and meets the dealership requirements, then it doesn’t matter if it is a Buy Here, Pay Here car. The better you continue to take care of your car, and the better you continue to keep up the maintenance, the better shape you will be in when it comes to trading in your Buy Here, Pay Here vehicle.
After the trade-in amount has been calculated, you may find that you still need financing to afford the car you really want. This is pretty common, and the good news is On The Lot Financing is available to make up the difference. At an Olathe dealership that handles financing on vehicles in-house, you’ll be able to get a great deal on a new car using the trade-in value of your previous vehicle to reduce the amount you need to pay.
The dealership will be able to advise how much you’re able to borrow based on your income. The requirements to qualify for this type of financing are a lot simpler than if you were to go to a bank, so as long as you’re working, you should be able to get a loan.
You can add the amount the dealership is willing to lend you to the trade-in amount you’ll get for your old car to calculate the maximum value of your new vehicle. You should consider whether you really want to spend the maximum amount on a top vehicle or choose something that’s less pricey so that you can reduce the monthly repayments that you will make.
Having everything under one roof makes a Buy Here Pay Here dealership in Olathe a good choice for trading in and trading up. Instead of running around to three or four different places, you can do everything at the dealership in one afternoon, dropping off your old vehicle and driving home in a fantastic new one.
If you are looking to purchase a vehicle in the Wichita area and have a less than stellar credit history there is a surefire way to get that car at Auto Now, a Buy Here Pay Here dealership that has you in mind.
Most auto dealerships will have you jumping through hoops to arrange financing for you to qualify for a loan to buy a car. Even banks will run you through the wringer when you apply for a loan when your credit score is less than the gold standard.
Most credit advisers will recommend that you shop for a used car as opposed to a new car, as there are obvious advantages, starting with a much lower purchase price.
Auto Now specializes in assisting those needing to purchase a vehicle regardless of their credit history. With a great selection of pre-owned vehicles, Auto Now will surely have a vehicle that suits your needs.
Auto Now has been specializing in making quality pre-owned vehicles available to its customers since 1996. Auto Now has grown to six locations in Kansas and Missouri, because during these last 20 plus years we have done what we have promised for thousands of loyal customers. Even trusted credit experts such as Experian advise people with credit issues that dealers of this type offer a good alternative for their vehicle purchase, and we invite you to check out our excellent deals for yourself.
Purchasing a vehicle from Auto Now is a smooth and painless experience. We have a huge selection of quality pre-owned vehicles that come from a buying team that travels the central U.S. looking for reliable vehicles that can be sold to our customers at a great price.
Every vehicle is inspected by our team of independent mechanics before we will sell it. These vehicles must meet our stringent mechanical and safety standards before they are considered ready to be sold on our lots and our website. Auto Now knows you need a reliable vehicle to get you back and forth to work and a safe vehicle for transporting your loved ones around town.
Auto Now in Wichita is so sure that we sell only the highest quality pre-owned vehicles that we cover all vehicles with a 24-month powertrain warranty with a small $200 deductible. We want you to have complete confidence and that you love the vehicle that you purchase.
You can trust Auto Now to streamline your vehicle purchase by providing a one-stop shopping experience. Every step in your vehicle purchase is handled all right here at the dealership lot.
Qualifying for credit at Auto Now is extremely easy with simple steps. If you are at least 18 years old, have a valid driver’s license, and have take-home pay of at least $1,200 a month, you qualify. There are no hidden clauses or tricks. No matter what your credit history is, you can get that vehicle that you need and want just that easily.
To make your vehicle purchasing experience even easier, we have an online application that requires basic information about you. Everybody is invited to use the process no matter what his or her credit score may be. We will give you fast approval for a loan amount, often in only ten minutes. Once you get that approval, it is in effect for the next 30 days so that you can shop for your vehicle at your leisure. With our fast inventory turnover, it gives you plenty of time to wait for just the right vehicle.
The trained vehicle purchase specialists at Auto Now will help you to tailor the purchase of your pre-owned vehicle with a down payment that fits your circumstances based on the vehicle you choose. You simply give the vehicle purchase specialist the specifications you are looking for in vehicle type and features and they will gladly find you multiple vehicles that fit your requirements.
Auto Now understands that you are looking to repair your credit so we make it easy for you by specializing in short term loans that will rapidly increase your credit score. Most of the financing packages are offered with low weekly payments of between $50 and $100 with most payments averaging about $80.
With Auto Now making your payments easier than ever, you can make your payments at any of our six locations, or via our Easy Pay Direct Debit plan that debits your preferred payment source each week, so that you do not ever have to worry about any late payments. Just check out the online payment portal for details on setting up these automatic payments.
Auto Now has made your purchase of a high-quality pre-owned vehicle in Wichita as easy a process as possible. We treat you with dignity and respect regardless of any credit situation that you are dealing with. You will know that you are a valued customer from the time you arrive at their dealership lot, all the way through the purchasing process until you drive your vehicle off the lot to your home. You will know that the people at Auto Now realize that the best way to treat a customer is to be honest and fair by offering vehicles only of the best quality and reliability that will fit your needs. You can count on that vehicle to get you wherever you need to go. It will be a vehicle that comfortably fits your budget that you will be proud to own.
With our included warranty, you will know that your vehicle purchase is one that you can trust and leave our Buy Here Pay Here dealership in Wichita knowing that you got a fair and honest deal.
Purchasing a vehicle through a Buy Here Pay Here dealership is an alluring option for people all over the country. With the economy always in a state of flux, most individuals do not have the funds or the type of credit score to go out and finance a vehicle through a traditional bank, making the process miserable. Having the ability to go out and make a purchase of necessity should not be accompanied by so much hassle, and that is why many customers are looking to re-establish their credit. This, however, is easier said than done.
Despite a nation full of hard-working folks who have credit issues lingering over their head due to mistakes made way back when, most banks will not even give a second look when it comes to assisting an individual who needs a car badly. Buy Here Pay Here auto dealers not only make the process of getting a vehicle much easier, but they also allow their customers to get their credit score back on track.
Having the potential to go out and buy an item in a time of emergency, whether that is a car or not, is powerful. When an issue arises from the clear blue sky, it is always comforting to know that one can take care of it on one’s own, even when short on cash during the time of need. Perhaps one of the worst feelings is to have a disaster, big or small, affect one’s life and having no financial backing to assist with the recovery.
Obtaining a set of wheels from a Buy Here Pay Here dealership in Kansas City can help many people not only upgrade their personal transportation needs, but it can also help them to get their finances on track and headed in the right direction. Most Buy Here Pay Here companies report their customer’s payment info to a specific credit bureau, so people can start improving their credit score immediately. This allows those who may have had a few financial hiccups throughout their life to finally get back that peace of mind for not only them but for their family as well.
While Buy Here Pay Here dealerships like Auto Now at 79th & Wornall often report customer’s positive payments to a credit bureau, it is always important to discuss this with them upfront to make sure this very important feature of the buying process is being carried out.
Usually, Kansas Buy Here Pay Here car lots will do their best to work with a customer tirelessly until they can reach a financial solution that will fit in nicely with a customer’s budget. This is crucial to long-term success in regards to maintaining a healthy credit score, as establishing a monthly payment that will not interfere with other bills and monthly living expenses is vital to the process as a whole.
Overall, doing business with a Buy Here Pay Here business is a process that can be very beneficial. Not only can you get a high-quality vehicle that you can trust on the road, but with on the lot financing you can also begin the difficult journey of repairing your credit and erase all those financial mistakes of yesterday.
In addition, it can be a painless process that is settled in a quick and timely manner, just enough time for the sellers and buyers to reach a mutually beneficial decision right there on the spot. With the many uncomfortable aspects of dealing with a traditional bank effectively eliminated once and for all, car seekers can finally kill two birds with one stone, getting a good car and gaining a higher credit score in the process.
While using a Buy Here Pay Here business like Auto Now at 79th & Wornall to help with credit issues can be a great idea, there are other avenues that can help people raise their credit scores. While many experts agree that rebuilding one’s credit is a harder process than establishing credit from nothing, it is a task that can be accomplished with old-fashioned ingenuity and intelligent financial decisions.
A good starting point is a careful review of your credit report, just to make sure there are no mistakes that could be keeping it lower than what it should be. Making even a simple correction could very well allow your credit score to rise and kick the journey off on the right foot, being the first move to removing those pesky financial restraints. Getting a copy of your credit report once a year is free from the major credit reporting agencies, so avoid paying for a service that purports to keep checking your credit score for you.
After that, a lot of other steps are basic, such as paying all your bills on time when they are supposed to be paid. Furthermore, you could also establish a new monthly bill with a rent to own company and obtain something as simple as a piece of furniture, something that would allow you to pay off a piece of property and have another positive on your monthly credit report in addition to paying your other bills on time.
Getting a secured credit card can also be a nice idea, as a deposit is required upfront. Monthly payback payments can show banks and lenders that you are very serious about a return to a good credit standing. However, be sure that the bank will report to all three credit unions, as this makes for a more effective option.
Using a Buy Here Pay Here company like Auto Now at 79th & Wornall can be a great way to get a nice car, and by repairing your credit it can also be the first step in reclaiming that financial freedom that for many, was lost a long time ago.
Choosing a used car in Independence for your teenage driver is a big decision. Of course, you have vehicle safety at the top of your list but there are other considerations such as price, operational costs, reliability, and insurability that come into play.
Because a shockingly high percentage of teens will be in some sort of accident or mishap during their early years of driving, safety factors should be of the highest priority. However, most parents are not able to buy a new vehicle in Independence for their teen driver in 2020 with all the new electronic safety features and bells and whistles. So, for 2020, here is a compilation of the experts’ consensus choices for the best used cars for teen drivers.
Vehicles that are the highest-rated are generally those that are from the 2016 model year, as these offer the best combination of price with safety features that earlier model years do not have.
The 2016 Buick LaCrosse is one of the top-rated vehicles in the large car class for teen drivers in 2020. These full-sized vehicles offer good safety protection for the driver and passengers and a clean 2016 Buick LaCrosse costs about than $22,000 on average. The LaCrosse has a five-star safety rating was given a perfect score by J.D. Power for dependability. The vehicle offers a list of safety features including automatic emergency braking, rear cross-traffic alert, parking sensors, blind spot monitoring, forward collision warning, and lane departure warning.
With these features and ratings, the 2016 LaCrosse achieves a top rating in this class. The 2016 Toyota Avalon and the 2016 Chevrolet Impala are other options in this class that receive honorable mentions.
In the midsize vehicle category, the 2016 Toyota Camry is a tough choice to beat. The 2016 Camry is comfortably priced at about $17,000 for the nonhybrid model with a $3,000 premium for the hybrid model that has a 42 mpg rating. The vehicle, which has a spacious and user-friendly cabin, has excellent safety features including a rearview camera, and most have lane departure warning, blind-spot monitoring, forward collision warning, and rear cross-traffic alert.
The reliability and features of this vehicle make it a top choice in this vehicle class. The Subaru Outback and Mazda 6 are a couple of other good options in this vehicle class.
At the top of the small car ratings is the 2016 Toyota Prius. This vehicle is a hatchback that is a top choice because of the top safety scores, fuel economy, and cargo space. It has a five-star crash rating from the NHTSA with good ratings in every crash test.
The 2016 Toyota Prius gets a combined fuel rating of 52 mpg that easily tops the vehicle class and makes this vehicle very affordable to operate. The vehicle comes with a rearview camera with blind spot monitoring, automatic braking, forward collision warning, rear cross-traffic alert, lane keep assist, and parking sensors.
The 2016 Prius has a massive 65.5 cubic feet of cargo space with the rear seat folded down — far outdistancing most vehicles in this class.
The average price for the 2016 Prius is about $21,000. A cheaper alternative in this class is the 2016 Buick Verano that sells for about $15,000 but offers much less in the way of features and fuel economy.
If you are considering a small SUV for your teen driver, the 2016 Hyundai Tucson is a top choice. The Tucson had a good rating in every crash test, achieving five-stars from the NHTSA. The vehicle received a five-star dependability rating from J. D. Power that gives it excellent affordability in terms of repairs costs when compared to other vehicles in this class. The Tucson was also the winner of the Best Compact SUV for the Money award in 2016.
The vehicle comes with a rearview camera with rear cross-traffic alert, automatic braking, lane departure warning, forward collision warning, blind spot monitoring, and parking sensors. The vehicle offers good cargo space with a fold-down rear seat and is very stylish in design.
The typical price paid for the 2016 Tucson is under $19,000, which makes it excellent value. A lower-priced vehicle in the class with a high rating is the 2016 Chevrolet Equinox.
If you want a larger vehicle for your teen, the 2016 Chevrolet Traverse is a top-rated vehicle in this class. The Traverse achieved a good crash rating in all crash tests and got a five-star safety rating from the NHTSA. This vehicle has roomy seating with three rows of seating capable of comfortably fitting adults. It has a very large cargo space that makes it a handy vehicle to have in your family for hauling cargo as well as passengers.
It comes with a rearview camera and most models have blind-spot monitoring, forward collision warning, and lane departure warning. This vehicle offers many options in usability while proving to be a very reliable vehicle for your teen driver.
The 2016 Chevy Traverse usually costs about $24,000 and was rated as the 2016 Best Large SUV for the money, so you know it offers you great value. The 2016 Hyundai Santa Fe is another highly ranked offering in this vehicle class and is usually priced $2,000 to $3,000 dollars less.
Of course, you can buy older vehicles for less money, but these teen driver vehicles have the features you want. Choosing one of the options above from a Buy Here Pay Here dealership in Independence like Auto Now can get you the best of all worlds with a safe ride for your teen driver that won’t break the bank, thanks to the great deals available on Buy Here Pay Here financing.
Most people in Wichita need a car. Long commutes and public transportation that is either absent or inconvenient are just two of the factors that make owning a car a virtual necessity. But how is a person that has come onto hard times in life and has consequently had credit issues supposed to get reliable transportation? This is where On The Lot Financing comes into play.
During a previous recession, used car dealerships realized that there were many people who needed a car and had the ability to repay a loan for such, but the banks weren’t lending money to them. During recessions and times of economic upheaval, banks often almost close up shop, offering loans only to people who already had collateral and didn’t badly need a loan in the first place.
Some used car dealerships therefore decided to take matters into their own hands and offer the financing themselves, cutting out the banks that were refusing to lend money to people with good jobs. These used car dealerships with in-house financing were later termed On The Lot Financing or Buy Here Pay Here, and they revolutionized the used car industry.
Today, a vast number of dealerships run on the Buy Here Pay Here model and larger nationwide dealership chains are involved. On The Lot Financing has been legitimized and it’s an excellent alternative to the stuffy traditional car loans that are still virtually impossible to get for most people.
Buy Here, Pay Here dealerships in Wichita are a solution for people who are experiencing credit issues. The lending entity and the dealer are one and the same, which for the customer means that the overall car buying experience is much more streamlined than that of a conventional dealership car loan.
While at a traditional dealership the credit application will be submitted to a separate financial institution that does the actual financing, in the case of Buy Here, Pay Here dealerships in Wichita, as the lender is also the seller, the application will always be reviewed in-house.
Dealerships offering On The Lot financing will always have trained credit consultants available who will first make sure they have a proper understanding of both the customer’s financial situation and his needs, then come up with down payments and payment schedules that fit the customer’s profile.
This type of unconventional approach to car loans means far greater flexibility for the customer. It’s in a dealer’s best interest, in this case, to tailor the loan to the specific financial situation of the customer and at the same time ensuring the vehicle is kept affordable.
Customers with credit issues will also see another advantage of the On the Lot Financing over traditional car financing — the conditions that have to be met in order to qualify for a loan. While a traditional car loan will take into consideration credit history, to qualify for most On the Lot Financing loans the customer only has to meet some basic criteria like being 18 or older, holding a valid driver’s license and having a net income of at least $1,200 per month.
Once these simple conditions are met, the loan can be approved in a configuration that suits the potential customer’s needs and financial circumstances, regardless of credit history.
Overall, the process is simple when compared it to the conventional route. The documentation needed is limited and simple enough, usually consisting only of a driver’s license, some recent pay stubs, and proof of address documents like a phone or utility bill.
It is clear that the process is much more approachable regardless of credit history but some may have concerns regarding the overall car buying experience. Are dealerships that offer On the Lot Financing in Wichita a valid car shopping solution or just a last-resort option?
The market polices itself and any shady dealerships of the past have disappeared. In the age of online reviews and social media, less than proper business practices can no longer be swept under the rug. This has had a positive effect on the quality of the businesses operating in this market.
When it comes to inventory, Auto Now offers a vast vehicle inventory, making finding the right vehicle an easy task. Over 500 vehicles are typically available at a time. While most dealerships will use a variety of sources for stocking up their inventory, they also have car-vetting processes that uses independent mechanics to assess vehicles’ conditions and their worthiness to be on the lot.
No longer are the customers of Buy Here, Pay Here lots constrained to buying what they can find — now they are able to buy what they actually need and afford.
Not long ago, warranties were synonymous with conventional car lots, but this no longer applies. More and more businesses working the Buy Here, Pay Here market have chosen to offer their customers comprehensive warranty programs that act just like a normal car warranty covering the vehicle for an issue that could leave the customer stranded by the side of the road.
While there are exclusions, just as in the case of traditional warranties, and while there is usually a deductible that needs to be paid, the peace of mind offered is priceless. A customer missing work because of a breakdown will have the potential to miss payments, and nobody wants that.
For all types of customers regardless of credit history, Buy Here, Pay Here car lots in Wichita are a valid option because we are simplifying the experience, making it more streamlined, and offering at least the same level of service and quality of vehicles as traditional car dealerships.
This year, take the time to plan how you will make the most out of your 2020 tax return and consider making the wisest financial decision possible. There are many ways to do this such as buying a used car, investing in a new computer, or paying off student loans or credit card debt. To make sure that your tax season in 2020 is a good one, here are some important tips for spending your tax refund.
Perhaps you have been driving the same vehicle for ten years and it’s time for an upgrade. Now that we are nearing 2020, all of the vehicles of the last decade will be dropping in price. This can lead to getting excellent value on your next used car purchase, especially if you come to Auto Now in Wichita.
Browse the available inventory at the Auto Now in Wichita website. Here you will find the hottest convertibles, coupes, hatchbacks, hybrids, sedans, SUVs, trucks, and more.
Auto Now is a Buy Here Pay Here dealership in Wichita that can help you rebuild your credit, get an approval on a loan with less than perfect credit, and get a two-year/24,000-mile limited warranty. You can get a Buy Here Pay Here car in Wichita with excellent repayment terms at Auto Now.
You can browse the available offers on the Auto Now website so that you have an idea of what our inventory is before you arrive. You can find the contact information for Auto Now Wichita online as well as a $200 internet discount.
The Auto Now website also has shopping tools designed to assist in buying your used vehicle so be sure to check it out before making your next purchase. A used car can be a wise decision as you can still upgrade to a newer year without suffering the depreciation that a new car experiences when it is driven off the lot.
With most people having email accounts, bank accounts, and other important online functions, it is a good idea to keep your home computer updated. Aside from being fast, a new computer can help your data stay secure with the latest security updates. Older computers fall to the wayside as technology advances and machines become no longer compatible with the latest security updates.
Having a new computer can also help you do important things such as manage your bank account, budget your finances, and even work from home. A good computer is something everybody needs.
Computer technology increases exponentially each year and even if your computer is only a few years old it may still be far behind the computers of the current year. Enjoy faster loading speeds with an SSD, do more at once with upgraded processors and memory, and enjoy more crisp and vibrant images on your larger monitor.
Student loans are something that most people will deal with at some point in their life. Many young people today signed up for loans that they couldn’t avoid and now find themselves burdened under the weight of debt. Having debt can affect your ability to purchase a car, buy a new home, and can hinder your life in general because of the negative impact debt has on credit. Student loans also accrue interest so the longer you take to pay them off, the more you will pay.
The best thing to do when you get some money in a lump sum such as from a tax refund is to reinvest it in your future by paying down your debt. Student loans are excluded during bankruptcy so your only way of getting rid of them is to pay them off.
Even worse debt that student loan debt is credit card debt. Almost everyone has a credit card. Credit card debt can be just as damaging to your credit score as student loans. Having a poor credit score will impact your ability to do things such as start a business with a new business loan, buying a home, and just about any major financial decision. Take the time to evaluate your credit report, categorize things by importance, and consider paying off as much as you can when your tax refund comes.
Reducing the overall amount of debt you have can be a huge help in improving your credit score, as your credit-to-debt ratio will go up. The more credit you have available, the better it is for your credit score, so try to stay out of debt and use your 2020 tax refund for something that will have a positive impact on your life.
Pay off your credit card debt before paying off other loans that have lower interest rates or taking on additional credit.
If you’re like the average person, there is always something that needs to be done around the house. Whether this is a simple window replacement or an entire kitchen remodel, using your tax refund to make improvements around the house is always a wise choice. Doing repairs and home improvements can help increase the value of your home.
Sometimes it may be something that requires a contractor such as a new roof but most common home improvements can be done without any help. Consider finishing the basement, expanding the bathroom, or adding a laundry room. There are always improvements that can be made on any house and the 2020 tax refund is a great tool to help you do that.
From a used car in Wichita to a refurbishment of your house, there are a lot of sensible ways you can use your tax refund. Don’t waste it this year — use it to your best advantage and make 2020 a bumper year.
The automotive market has changed a lot in the past few decades. The station wagon and the minivan were undisputed kings, but lately SUVs dominate and pickup trucks have seen huge growth, not only as the go-to choice of professionals like contractors, carpenters, and ranchers but also becoming more and more popular as lifestyle vehicles.
People like trucks because they’re able to do it all. Pickup trucks are now seen all over Independence, driven by the young and the young at heart alike. More people are starting to see the advantages of this type of vehicle and manufacturers are not slow to take notice and update their lineup accordingly to cater to this trend. Every manufacturer now has a range of pickup trucks that are not just powerful but luxurious, spacious, and comfortable.
That being said, is it a good idea to buy a used pickup truck in Independence or get a new one? Well, used seems to be the better option for 2020 for many people, and below are just five of the many reasons why.
Everyone knows that a car starts depreciating immediately after leaving the dealership lot. A buyer looking into used pickup trucks will find that some of the value propositions are unbeatable.
Simply put, buying used means the buyer is getting a lot more car for their money. This can come in various shapes and forms, from better trim levels, better versions, or a myriad of otherwise expensive options that had cost the original owner of the vehicle a small fortune in the first place.
Depreciation acts in favor of the used car buyer, who is able to spend less for more, afford a vehicle configuration that otherwise he might have not been able to, or spend less for that configuration.
The changes of a new pickup truck being significantly different from the same model released a few years back is slim. Trucks go through major refreshed around every six years, so a truck that is a few years old is going to be almost the same as this year’s model.
Owning the latest and greatest is surely a factor for some car owners, but most people buying a used pickup will rather know that the platform has been around for a while and all of the initial quirks and issues have been found and sorted, either at the expense of the manufacturer via recalls and warranty claims or at the expense of the original owner.
The peace of mind that comes with proven reliability can sometimes only be associated with a vehicle that has been around for a while, both as an individual vehicle and as a platform, and cannot be attained when buying a new untested pickup truck.
You may also find that you like sticking with one model of truck that suits you to a tee. A lot of the time, new additions to truck models aren’t really improving the model much and are marketing gimmicks. Consider the most important things you want from a truck and ignore things you won’t use.
While there was a time when the buyer could only have peace of mind regarding the vehicle’s history and warranty if they bought new, this is no longer the case nowadays. Institutions that can provide detailed information regarding the car’s history in terms of damages, collisions, maintenance, and mileage have been around for a while and are now refined and trustworthy enough to be able to provide the potential buyer with a crystal clear image of the car’s past. It’s very hard to get stuck with a lemon even if you know very little about cars.
Worried about maintenance costs? Warranties are now available for buyers of used vehicles covering everything that a regular new vehicle warranty covers.
In a world where all new pickup trucks kind of look alike, buying an interesting used model is one way to stand out from the crowd and make a bold statement regarding one’s individual taste and personality. A Buy Here Pay Here truck from an on-the-lot finance company in Independence can offer you the choice of style that you really wanted instead of whatever design is currently trending. Buy Here Pay Here financing is available to make the process even easier. You can end up getting a truck you really wanted when you were younger for a fraction of the price you would have paid when it was first released.
Pickup trucks are popular vehicles. Used pickup trucks are even more popular. Popularity brings together large communities who stand behind the particular vehicle.
With used pickup trucks, you have huge communities who have your back in terms of maintenance advice and tips on potential issues you might encounter, as well as the benefit of a large array of spare parts suppliers. This makes maintenance much more affordable as it’s no longer confined to a chain of brand dealerships but can be performed either by independent shops or even directly by a mechanically inclined owner.
Not to mention the fact that, in some markets, insurance and registration costs are significantly lower for used vehicles when compared with their brand new counterparts. Overall, the cost of owning and operating a used pickup truck will almost always be lower than buying and using a new one.
These are just a few of the reasons why everyone who needs a needs car should at least consider buying a used pickup truck in 2020. They’re vehicles that can go places where other vehicles can’t, carrying loads that other vehicles can’t, all while looking extremely cool in the process.
Have you heard about Buy Here Pay Here auto loans? A significant percentage of people in Wichita now purchase a new vehicle with a low down payment through this method because it offers a number of advantages.
Is the Buy Here Pay Here car loan model new? No — used car dealerships have been offering the purchase of vehicles in a Buy Here Pay Here format since the 1970s.
Essentially, banks were not lending enough money to average working people for them to be able to buy a car because the country was recovering from a recession (sound familiar?)
Used car dealerships needed to find a new way to help people make this important purchase or risk going out of business themselves. People needed a vehicle to work, but few had the cash lying around to just purchase a vehicle outright, especially one that would be dependable, professional, and stand the test of time.
What used car dealerships in Wichita and across the country began to do was to offer loans directly to customers themselves. The dealerships in Wichita created their own related finance companies (RFC) that could then approve the loan for the customer.
If you took out a Buy Here Pay Here auto loan in Wichita back in the 1970s, 1980s, or 1990s, you’ll probably remember that they needed to put down a larger down payment than a car loan from a bank.
Nowadays, there are hundreds of outside lending institutions that have entered the market and this has driven down the average down payment. All of this competition has been great for the consumer, as Wichita Buy Here Pay Here dealerships have only become more and more competitive.
Yes, the RFC companies behind Buy Here Pay Here loans are regulated, though they have different regulations than banks. The particular regulations on a Buy Here Pay Here dealership depend on the state. States typically include regulations on:
Some Buy Here Pay Here loan companies have grown so big that they are considered FDIC-insured Industrial Banks.
Yes, Buy Here Pay Here loans are, on average, easier to get than a loan from a bank. The bigger the bank, the less leeway they give to their customers. After the financial crash of 2008 and the long recession, banks have been extremely wary about lending money to customers. It’s almost two times harder to get a loan than it used to be a decade ago, and this doesn’t look set to change.
When you go to a bank to try to get an auto loan, they look at a number of factors. The most important thing they’ll consider is your credit score, a score determined by external companies that’s based on how you’ve handled credit in the past.
The thing is, most people who are looking to take out a loan for a modest vehicle don’t have a great credit score. They may have missed a payment here or there in the past. Even if they haven’t missed any payments, the banks are so strict now that they’ll only consider lending to those who have used a lot of credit in the past and shown they’ve been able to pay it back. This means it’s increasingly hard to get on the ladder and there’s quite a divide between rich and poor.
Buy Here Pay Here dealerships and their corresponding RFCs can set their own rules and don’t need to follow a strict script on who to lend to and who not to lend to. In fact, they’re generally more interested in lending to people with relatively poor credit because people with fantastic credit will just go to their banks or pay for a vehicle with cash.
Many Buy Here Pay Here auto dealerships, like Auto Now, don’t care about your credit rating. Why should they care about your past dealings with credit when you can show you’ve got the ability to repay a loan in the future?
Typically, you need:
A Buy Here Pay Here loan is often the only choice for those without great credit to get a vehicle loan. Whether a Buy Here Pay Here loan is more expensive for you depends on whether you already have a great credit score.
If you have a great credit score, a Buy Here Pay Here might be more expensive than a loan from your bank, as the Buy Here Pay Here dealership will need to charge a higher rate of interest to cover the cost of facilitating the loan and to cover the perceived risk that you might default on the loan.
If you’ve had credit issues in the past, a Buy Here Pay Here loan is likely to be comparable to the interest rates a bank would offer you if they were willing to lend to you (and mostly, they won’t be!)
Yes, Buy Here Pay Here Loans have a major benefit in that you’re getting the loan and buying the car all from the same place. This makes life a lot simpler as you’re not rushing around trying to find a loan and juggling this with choosing a car.
If you’re planning on choosing a Buy Here Pay Here auto loan in Wichita, we invite you to Auto Now Wichita on 1660 S Seneca St Wichita , KS 67213. Give us a call at (316) 262-3000.
It is almost that time of year again — time for Americans to file their income tax returns. Starting in January and ending with the April deadline you will be required to file your income tax form for the year. If you are like the typical tax filer, you will file early to get that refund that you have coming. For most in Olathe, that refund is about $2,800, and for many people looking to trade-in their vehicle, a wise use is to make a down payment on an automobile.
Most advisers will tell you not to use more than 90% of your refund for the down payment, which puts the average amount you can use for your car purchase at about $2,500. We advise keeping some of the refund aside for other charges related to the auto purchase.
One of the best ways to make that auto purchase is to buy a used car that will keep your payments down to a reasonable amount. One of the easiest ways to purchase that vehicle is to use it at dealers like Auto Now known as a Buy Here Pay Here dealership. This is especially useful if you have less than perfect credit. We offer loans to people who sometimes have a very hard time getting a car loan.
In Kansas City is one of the most trusted dealers of this type is Auto Now, with six locations in the area around Kansas and Missouri. Auto Now was founded in 1996 with our stated mission to provide people with “quality reliable transportation to our valued customers at a price they love.” With more than 20 years of experience, we have shown steady growth because we have followed through on that mission.
At Auto Now, as with most Buy Here Pay Here dealers, you purchase the vehicle from us and make your payments directly to us. But Auto Now goes the extra distance to make that purchase process easier. With Auto Now, you can apply online with some basic information.
To qualify you simply need to be 18 years old or older, have a take-home pay of at least $1200, and have a valid driver’s license. There are no traps or tricks; with this information, we will finance your vehicle purchase regardless of your credit rating. Most credit approvals take less than 30 minutes, and when you go in to close the loan usually all that is required is a couple of recent pay stubs, your driver’s license, a utility bill, and a phone bill.
Once you are approved, you have that approval good for 30 days — if it takes you longer to find the vehicle you want simply reapply for a new approval. Once you have been approved and complete your vehicle purchase Auto Now keeps making your life easier by offering an online payment option, unlike some other dealers of the Buy Here Pay Here type where you actually have to make a trip to the dealer to make your required payments.
Auto Now in Olathe obtains vehicles from trade-ins at new car dealerships, purchases at auction, and from direct trade-ins. Auto Now has an inventory of about 500 vehicles for you to choose from so you can be sure to find something you like that fully fits your needs. It’s one of the largest selections of vehicles in the state, and you’re sure to find the perfect vehicle for your needs at Auto Now in Olathe or any of our other locations.
Every vehicle is inspected by independent auto mechanics. A vehicle that does not pass this inspection will be rejected and returned to the auction seller or the vehicle wholesaler. The vehicle must be in good running condition and pass all safety checks before Auto Now will sell the vehicle to you. Auto Now has a firm belief that if your car is not working properly and you cannot get to work reliably it may become difficult to make your payments — which you don’t want to happen and Auto Now does not want to happen.
Also for your peace of mind, vehicles sold by Auto Now are covered by a two-year/24000-mile powertrain warranty that also covers the vehicles starter, alternator, and air conditioning with a low $200 deductible.
Most vehicles in the Auto Now inventory are priced in the range from $6,000 to $15,000, and with your down payment, you will easily have payments at less than $80 per week (about $300 per month) that can be automatically debited to your bank account so that you never have to worry about late payments.
These loans are typically short-term loans not the typical car loans that take you up to 72 months to pay back. You can also make additional payments against your car loan to pay it off even quicker, like using next your next year tax refund to pay down the balance even faster, you could have your vehicle paid off and fully owned by you in just a couple of years.
Using that income tax refund to purchase a good reliable vehicle may be the most sensible thing for you. Remember that income tax refund is not found money — it is more like a forced savings account as money in excess of your total taxes due are taken out of your paycheck over the course of the year, so it makes good sense to use that refund for something that is sensible, like purchasing a reliable warranted vehicle from Auto Now in Olathe, than blowing it on some luxury item that you do not really need.
Everyone has been there. Finances are tight and your car is on its last leg. What do you do in that situation when you just don’t have the extra wiggle room in your budget? Do you go to the bank for a personal loan? Do you ask your family for help? Or do you use your tax refunds on a replacement vehicle? All are valid solutions and they all come with pros and cons, but let’s look at why you should, or shouldn’t, use your tax refund to buy a car.
If your finances aren’t usually tight, but you are strapped for cash right now, buying a vehicle with your tax refund may be a viable option for you. You can use the refund to pay for the down payment and/or tax, title, and license on a vehicle or you could outright buy a used vehicle in excellent shape if you’re lucky. With a used vehicle, you wouldn’t have a payment. With a new vehicle, you would have a payment, but if you have that wiggle room in your normal finances then, yes, buy that vehicle.
If you need a vehicle for work, buying a used vehicle with Buy Here Pay Here financing can make it happen.
Do you have tight finances in general throughout the year or are you normally a family that has some in savings? Are you on a paycheck-to-paycheck schedule? If an appliance stopped working and you had to replace it tomorrow would you be able to? The answers to these questions can tell you what you need to know about buying that car.
You may even get lucky and purchase a used vehicle with a warranty. That’s a best-case scenario. Now suppose that you want a new vehicle. If you bought a vehicle for $20,000, you will then have to tax, title, and license that vehicle within 30 days in most cases. A vehicle in that price range could easily cost $2,500 to tax title and license. Is your refund enough to cover that? If it is, great.
If you’d like some advice on Buy Here Pay Here financing from a Buy Here Pay Here dealership that cares about your ability to comfortably repay a loan, consider Auto Now at 79th & Wornall in Kansas City.
Another thing to consider is debt. Are you currently in debt? Do you carry high balances on your credit cards? Do you have loans out? Are you living paycheck to paycheck with not enough money in each month? If you answered yes to all or most of those then you may want to reconsider your decision to get a vehicle.
Is your vehicle ok? Can it last a bit longer while you pay off debt and build credit? If so, then postponing the purchase of a vehicle and instead using the money to pay off some debt is a better option. You are now improving your debt-to-income ratio, eliminating debt, and raising your credit score at the same time. This not only makes your budget better because your payments on the current debt will be lower, but it will also make you look more favorable in the eyes of the Buy Here Pay Here dealerships in Kansas City you will be speaking with when you do go to purchase a new (or used) vehicle.
If you have a real need for a car or your current car is unlikely to make it through the winter, buying a car with a tax refund would probably be the right move.
Not everyone gets a large tax refund. Individual amounts vary so it’s important to make sure you know what you are working with. In some cases, you may be able to not only pay off debt but also purchase a vehicle. If you are going that route, one recommendation would be to use one third of the refund to purchase the vehicle, one third to pay down debt, and one third to put back into savings just in case. This is especially important for people who sometimes struggle during the year as that savings will allow you to have access to a car payment just in case there is an issue during the year.
For some of the best rates on auto car loans, talk to Buy Here Pay Here used car dealership Auto Now, which has a used car lot at 79th & Wornall in Kansas City and other locations.
One last thing - When you go to purchase a new vehicle, if you decide to, you should keep in mind - it’s need not want. If you need a new sedan then get it instead of going for a fancier sports car. If you need a new vehicle stick with what you need even when it’s tempting to go for all the bells and whistles. Different models and even colors carry not only higher price tags but also insurance issues.
Sometimes the forgotten expense of buying a new vehicle is the boost in insurance premiums. This is important to keep in mind when you are calculating the monthly payment of your new vehicle. For instance, suppose your new vehicle has a payment each month of $300, but your insurance is now an extra $65 a month. It’s easier to keep in the mentality that your car payment is $365 so that you are working in that extra insurance premium.
Never jump into a purchase without exploring all of your options. It’s best to see what vehicles are out there and even if you are set on getting a new vehicle look at the used vehicles in your area. You may be pleasantly surprised by the options you find and you may end up saving money while you’re spending it!
Auto Now at 79th & Wornall in Kansas City has a wide range of used cars for sale and tax season is the perfect time to pick up a bargain. Come down and discuss your own financial circumstances with us, and we’ll help you decide whether to use your tax refund for a purchase of a used car.
Driving in the winter weather can be trying at best and disastrous at worst. Winter is creeping in across the country and in some areas, the first snowfalls have already arrived. So to make your winter driving safer and hopefully a little less “adventurous”, here are some of the basic things that you can do to make sure that your car is ready for winter Wichita driving.
One of the more obvious things to do is to check the fluid levels in your vehicle. Check your antifreeze. Making sure your vehicle’s coolant is full and tested to make sure that your vehicle is protected to a low enough temperature for your area of the country. This test is one that you can do yourself with an inexpensive anti-freeze tester, or your mechanic will be glad to do it for you.
Making sure that your antifreeze is to the proper strength can save you from a lot of aggravating and expensive repairs. While the antifreeze is being checked, you should also check your vehicle’s radiator cap, as a worn cap will allow antifreeze to leak and leave your car under-protected. Replacing the cap is very inexpensive and can save you problems later.
Something you may not think of is to change your oil for the winter. It may be a great time to change to synthetic oil (if appropriate for your vehicle) as synthetic oil flows more freely at lower temperatures, which can lead to easier engine starts and better engine protection.
Of course, you will also want to make sure your windshield washer fluid reservoir is full and that you keep a spare gallon in your vehicle’s trunk or cargo area to make sure you never end up driving with a dirty windshield. Especially in colder climates, make sure that your fluid has deicing chemicals mixed in to help prevent your windows from icing up.
Have your battery and charging system checked by your mechanic to make sure that your battery is not weak and that your charging system is in proper working order. Winter is particularly rough on batteries as it is much harder to start a cold car. If your battery is weak, you will want to replace it with a new battery rather than wait until that cold morning when your car will not start and you wind up being late for work with a weak excuse.
Check your vehicle’s tires to make sure that you have enough tread life to handle slippery Wichita driving conditions. Not being able to stop can lead to fender benders or worse.
Check your tire pressure frequently throughout the winter to make sure your tires are properly inflated for optimum handling.
Check your windshield wipers for wear. Make sure your windshield wipers are not worn out to prevent them from smearing your windshield during those days of bad weather and getting your windshield splashed by those big trucks on the roads. You may want to check out heavy-duty wiper blades specially designed for winter driving.
One of the things that most people don’t consider is the vehicle’s paint job. Make sure that your car is thoroughly washed and free of road grime and apply a coat of a high-quality wax to protect that paint. It will pay dividends throughout the winter, as your vehicle will be protected from road salt and sand.
Another item many people don’t consider is their vehicle’s thermostat. Make sure that the thermostat is working properly and not sticking or you could wind up with no heat in your vehicle.
Clean your fuel injectors by adding a fuel injector cleaner to your gas at fill up. Clean injectors will make your vehicle start easier and run smoother.
If you drive a diesel-powered vehicle, you will want to use a product to keep your fuel lines from getting gelled up during cold weather. There are a number of products on the market that you can use to help prevent this problem. You will also want to make sure that diesel exhaust fluids are adequate.
If you live in an area with very hard and cold winters, preparing in advance with a safety kit is a must. You should have at a minimum these items:
If you are going on a longer trip across Wichita and beyond you may want to make sure you have tire chains, a tow belt, a bag of sand (for traction if you get stuck), some blankets, and winter boots. It is also a good idea to have some non-perishable food items such as granola bars or energy bars just in case you get stuck in your vehicle for an extended period.
Taking care to make sure that you are prepared can help to avoid aggravating problems like your car not starting and leaving you stranded, helping to avoid accidents and maybe even saving your life if you get stranded. Proper preparation is the best way to help avoid problems.
If your car is past its best, a new used car for winter could be a smart move. At Auto Now Buy Here Pay Here dealership in Wichita, you can get financing for a vehicle even if your credit is poor. For some of the best trade-in prices and Buy Here Pay Here financing in Wichita, get in touch with Auto Now today.
Are you in the market for a car and need it in a hurry? Need a car for work or a good second car for your significant other? Have less than stellar credit? If you answer yes to these questions, there is a concept in car buying which has been around for decades and which has become much more popular in recent years — Buy Here Pay Here car lots. In Kansas City, there are a large number of choices of large and reputable Buy Here Pay Here car lots, including Auto Now on 79th & Wornall.
Buy Here Pay Here car lots got their start in the 1950s and are generally used car lots where the car lot acts as both the seller and the lender for your car purchase. These lots are a good alternative for people with no credit or poor credit. You go to the car lot and show proof of your income and they will tell you what price range of vehicles they are willing to sell to you.
Laws ensure that Buy Here Pay Here dealerships charge reasonable interest rates.
Research shows that the average interest rate at Buy Here Pay Here dealers is around 20% APR. Compare this with the average interest rate of 17.9% for all Deep Subprime loans and 14.4% of Subprime and add the fact that these lots are usually loaning their own money the rate for purchasers in this FICO score range is not unreasonable.
So as you can see the rates at the biggest and most reputable of these dealers are actually competitive. The exact interest rate that you’ll pay will depend on the circumstances and Buy Here Pay Here dealership.
When you purchase at a Buy Here Pay Here lots, down payments are generally not excessive and sometimes there is no down payment required. You simply come to deal terms and pick out a car that is within your deal terms.
Approvals are usually easy and take very little time — typically much quicker than at a traditional car dealership.
Payment plans at Buy Here Pay Here lots are customized to fit your budget with payments becoming due at times of the month when you have money. Payments may be structured with weekly, twice monthly, or monthly payments due. Payments are made directly to the car lot operator.
There a number of agencies at both the state and federal levels to help protect purchasers at the Buy Here Pay Here car lots. State usury laws regulate the interest rates that can be charged but as previously shown most of the bigger operators charge interest rates that are not only much lower than the maximum allowable rates but actually fairly competitive with market rates. There are also a number of agencies and laws that protect buyers such as the State and Federal Unfair and Deceptive Practices laws, Truth in Lending Act and a multitude of others.
Make sure that the car lot you are purchasing from is a member of one of the industry organizations such as the National Alliance of Buy Here Pay Here Dealers or the National Independent Automobile Dealer Association. These organizations are charged with policing their members to help with upgrading and maintaining high standards for the reputation of the industry.
Leading Buy Here Pay Here dealerships in Kansas City like Auto Now back up purchases with a 24-month or 24,000-mile limited warranty, so you can be sure that the car you’re buying is a quality vehicle and that any major mechanical issues you have would be dealt with promptly and at little cost at the dealership.
All things considered, the Buy Here Pay Here lots in Kansas City provide a viable alternative for those who are credit challenged to be able to confidently purchase a vehicle and help their credit score.
Whenever Kansas City residents think about buying a new car, they typically think of Auto Now. Auto Now has for decades been serving the communities of Kansas City with stellar used cars for sale with Buy Here Pay Here financing that really works for you.
Our team of dedicated financing experts have long understood that Kansas City drivers looking for a new used car should not be judged based on their prior credit. Maybe you forgot to pay an electricity bill 5 years ago – should that stop you from being able to buy a used car? We think not, so we don’t pay any attention to previous credit issues and we’re much more focused on whether you can show an ability to repay your loan now. Do you have a steady income and money for a down payment? That’s about all you need to qualify for a loan from Auto Now at 79th & Wornall, Kansas City.
As outlined above, this doesn’t mean that you have to pay a high interest rate. The Buy Here Pay Here industry faces stiff competition from other lenders, which has driven down interest rates and made us highly competitive. We invite you to simply see how little you could be paying to get a used car from our lot – we think you’ll be pleasantly surprised.
We do ask that you make timely repayments on your loan from us, but we make it easy to do so with flexible repayment methods. We’re the bad credit auto loan specialists in Kansas City, and we have ample experience of how it can be difficult to fund a car purchase when you have poor credit. Get in touch today, and we’ll see what we can do for you.
Auto Now has been operating in Topeka since 1996, giving us over two decades of experience in automotive sales and a history of dedication to our customers in providing reliable and quality transportation.
As a family-owned business, Auto Now takes pride in providing friendly and comprehensive service. We value every customer that comes through our door, respecting whatever finance requirements our customers may have with a flexible and understanding attitude. Customers choose a car from our large inventory of quality vehicles, arrange the best payment plan for themselves, then drive away happy.
Many Americans have been negatively impacted by tough circumstances and a slumping economy, which may have impacted credit ratings and the ability to purchase a vehicle. Auto Now understands this and believes that everyone deserves a chance, regardless of his or her credit history. That’s why Auto Now does not discriminate against those who have had credit problems in the past.
For those looking to get to the dealership, buy the car then and there, and drive away the same day — Auto Now offer Buy Here, Pay Here financing to ensure your smooth transaction. Customers need not worry about credit history haunting them or bank issues when Buy Here, Pay Here is an option.
Pick a car, sign the contract, and drive away. That’s the bottom line of Buy Here, Pay Here, and anyone in Kansas and Missouri is eligible when buying from Auto Now. Here are some advantages of Buy Here, Pay Here:
Families and workers depend on vehicles to get from A to B as quickly as possible. Dealing with banks and complex financial processes can be a burden when you need a new car quick. Buy Here, Pay Here helps to alleviate a lot of worry and hassle, making Auto Now an excellent choice for those who need a seamless, stress-free vehicle purchase.
Auto Now also allow customers to make loan applications online through our online form found on our website. The simple application only asks for basic information, is quick, and can even be approved within 10 minutes. Providing a customer is 18 years of age, have a valid driver’s license and take-home pay of at least $1,200 — an excellent auto loan is offered to everyone.
Trucks, hatchbacks, coupes, vans, SUVs — you name it. Auto Now has hundreds of vehicles in our inventory to choose from to suit our customers’ needs. All vehicles are maintained and sold only at the highest quality. All vehicles are excellently priced for the standard of the vehicles sold, unlike many dealerships who sell pre-owned cars to customers at a higher price than what they’re worth. Auto Now stands behind what we sell with pride and offer customers the option to test drive and inspect vehicles themselves before purchase.
Quality can be a big concern for many customers when buying pre-owned, which is why Auto Now only accepts the best of the best vehicles from auctions and trade-ins. While some vehicles may have the odd cosmetic blemish, Auto Now never compromise on safety or mechanical operation. Doing right by the people and families that Auto Now serves is a priority. All vehicles are thoroughly tested by local mechanics and automotive experts before being put out for sale — if they don’t meet the strict standards for quality then they’re just not sold.
On top of this, customers are given an extensive and affordable warranty on Topeka vehicles that lasts up to 24 months or 24,000 miles from the moment the sale or from mileage measured from the odometer at the date of sale. The schedule of coverage is fully detailed on Auto Now’s website and covers all vital components of the vehicle.
Auto Now operates with honesty and transparency. With some dealerships, many customers end up being haggled and pushed into bad deals or flat out rejected because of credit history. Auto Now takes a stance against this, as we firmly believe everyone deserves a second chance and that no customer should be pushed into unacceptable offers for the sake of profit. Auto Now even offers $200 discounts for customers who use our website.
Finding information on car purchases and how Auto Now operates is straightforward too, as we provide detailed blog posts and FAQ on our website. Whether it’s advice on how to find the right car for your budget, how to reduce car expenses, or whether to opt for online payments or Buy Here, Pay Here cars in Topeka — there’s something for every question. You can also find Topeka and other dealership locations, as well as contact details and company information on the website too.
Auto Now values the insight of customers, which is why we offer the ability to leave reviews and feedback on our website, whether it’s admiration or a complaint. This customer focus is important, and after more than 20 years of business is likely a reason why Auto Now is still doing business in more than six areas, including Topeka. Auto Now takes a stance against judging customers based purely on credit history too, and actively push customers towards building better credit. It’s hard not to admire this standard of customer service.
If you’ve had credit problems in the past, choose Auto Now as your low down payment car dealership in Topeka. With one of the best financing teams in the area and a willingness to loan to those with poor credit, we’re the obvious choice. Browse our huge inventory of used vehicles to find the perfect car for your family, and then get in touch with Auto Now to discuss how we can get you into that car in no time.
It boggles the mind as to the many ways one can spend a tax refund. What is the best way to spend your tax refund in Topeka? One smart way is to replace an aging, gas guzzling, rapidly depreciating, unreliable or a vehicle that is too small for a growing family. There has never been an easier way to buy a car than now. No longer does one have to go to a dealership and play the back-and-forth game. There are many online options to pick and choose a car without leaving the comfort of home.
One of the best options for a used car in Kansas City, Topeka, Olathe, Independence, Belton, and Wichita is Auto Now. Auto Now has many advantages including the online ability to view the current inventory, do financing, ability to access the 24-month/20,000-mile warranty information, test drive scheduling and to view the Auto Now blog. Once a customer, the same website allows payments online.
Auto Now is a Buy Here, Pay Here auto dealer. That not only is convenient but it also aids those that have had past credit problems that continue to haunt them. Auto Now understands that it is easy to make mistakes that result in credit problems that can result in the denial of an auto loan from traditional institutions such as banks or credit unions. In addition, Buy Here, Pay Here is for anyone that doesn’t want the headaches and hassles of traditional financing, regardless of their credit score. Auto Now’s goal is to get customers inside a car quickly with hassle-free financing. Other goals include helping people rebuild their credit and potentially offering lower interest rates.
Auto Now has an inventory that is sure to help one find that perfect car, truck, or SUV. It offers a search capability as well as an intuitive way to scroll through the selections. Each vehicle is shown with all pertinent information (e.g., mileage color, make, model, year, and estimated gas mileage) and multiple pictures in the form of a slide show. As if that’s not enough, there is a ‘View More Information’ option that gives a ton of information such as engine details, options (e.g., power windows, vanity mirrors, and audio features) and links to such things as a messaging system to ask more about the car. It’s the next best thing to being on the lot!
Regardless of one’s bad credit or good credit, Auto Now has instant credit approval. Customers can apply online by filling out a short form. Applying for an auto loan couldn’t possibly be easier, thanks to Auto Now’s easy online application. An online application can be approved in just 10 minutes. The application is short and only asks for very basic information. The only requirements are that customers are over 18 years of age, have a net take-home pay of at least $1,200 a month and a valid driver’s license. If only everything in life were this simple.
To summarize, completing an application is the first step to getting that dream car. The application is very simple. To complete the application, a name and address, place of employment, and net earnings each month will be needed. Other details like a social security number and a couple of references may be needed.
One thing that can take the worry and guesswork out of buying a used car is a warranty. Auto Now offers 24 months or 24,000 miles vehicle coverage. This warranty is very comprehensive and covers the engine, transmission, electrical, drive axle assemblies, transfer cases, steering, suspension, heating, cooling, brakes, and more. To provide some idea about the comprehensiveness of this warranty, coverage for the engine includes all of the internal lubricated parts, things like the radiator, oil pan, and belt tensioner, and the water pump, thermostat, and flex plate.
Other parts such as the transmission and electrical system are similarly covered. This warranty takes the risk out of buying a used car and offers major peace of mind for customers.
Auto Now’s website allows potential customers to schedule a test drive. You simply enter your name, contact information, the time you would like to do the test drive and information about the car of interest. Lengthy phone calls are avoided and time is saved at the lot. It’s as easy as that to get behind the wheel of a car that you may soon own.
Auto Now provides a blog on our website. This blog provides even more information on things such as test driving tips, steps to take before signing off on your new car, how to determine what can be afforded, details on the financing process, and much, much more.
Clearly, Auto Now provides a very convenient and very comprehensive solution to purchasing a car. Our solution not only includes everything for buying a car, but there are also provisions for the continued ownership of that car. We have thought of everything and everything is online. Auto Now is a great way to simplify the life of car buyers and owners. Auto Now is a great place to spend that tax refund.
If you live near Topeka and you’ve received your tax refund, we invite you to consider the options available to you at our Topeka Buy Here Pay Here dealership. You will probably be able to cover the entire down payment of a vehicle with your tax rebate, and you can use the amount to lower the repayments you need to make. It’s a smart way to use your tax refund as you’re investing in a quality vehicle that will improve your quality of life, instead of spending it on something frivolous. Talk to one of our advisers, or simply browse the Topeka cars for sale on our website to get started using your tax refund for a used car purchase.
Having a reliable mode of transportation in Belton is often taken for granted as many view an automobile as just another possession that everyone has. However, many of us know exactly how hard life can be when you have to struggle to get from point A to point B. That struggle is accompanied by financial instability due to the lack of employment opportunities, family hardships that pile up quickly, and lots of headaches and stress.
While some look at owning a car as being a luxury, the truth is that a reliable vehicle is more of a necessity in today’s world than ever before. Despite efforts from companies like Uber and other similar businesses to cut back on the need to personally own a car, the fact remains that those services simply do not reach a large number of rural communities all over the country. Thus, for millions of people, the need to own a dependable vehicle remains real.
The key question is when is the best time to seek out a car of your very own. While that could be a question that could draw a wide array of answers depending on who you talk to, the smart choice would be to do so during tax season!
This is the one time of year where many families get that useful tax income check and finally have a lump sum of money to do something big with. It is when all of the stars align and the time has come for all of life’s burdens to take a back seat. Your wallet is finally full enough to do some serious damage and the time has come for all of your transportation issues to be dead and buried.
Tax season can make those long-time transportation-related bugaboos finally disappear once and for all. Instead of having to worry about making payments on a more expensive ride, using your tax refund check to buy a used car outright from a Belton Buy Here Pay Here dealership could be a very wise investment for several reasons.
The first one is that it will allow you to be the owner of your own automobile, instead of worrying about yet another monthly bill. Another reason is that neither the bank nor the car lot will ever have the right to repo your vehicle, as you’ll own the vehicle outright.
Furthermore, tax season is also the best time to buy a used car in Belton because the deals will never get better. Used car lots all over communities across the country use tax season to do their best deal-making, as they want to establish you as a longtime customer versus just a one-time buyer. For this reason, we will offer customers hot deals that you will likely not see for the rest of the year in order to try and lock down a sale.
In many cases, local used car lots will do their best to out-do one another and it will become a competition of sorts, where you could be the real winner when it is all said and done. The bottom line, the Buy Here Pay Here dealership madness in Belton during tax season is just another example of why it is the best time of year to do your car shopping.
While there are several important factors to consider when determining how to best use your tax refund, the purchase of a vehicle is the one buy that will always count. It will count when you are able to get to work with no issues to speak of and it will count when you can take your kids on a family outing an hour or so away, just as it will count when you can finally tell your spouse to quit worrying about reliable transportation.
Auto Now in Belton and across Kansas is a respected Buy Here Pay Here auto dealership where you can use your tax return to purchase a vehicle or use it as a down payment on a loan. Buy Here Pay Here dealerships like Auto Now handle all of the financing in-house, so you don’t need to run around to different banks trying to find funding for your purchase. In fact, as a Buy Here Pay Here dealership typically does not perform a credit check, it is much easier to be accepted for a car loan in Belton from a Buy Here Pay Here dealership than through other means.
Tax season is not only an important time of the year for used and new car dealerships all over the country; it is also a very crucial time for prospective buyers as well. It is the time of the year when going car shopping becomes an important event, and it is something that should always be done with care. There is never a need to rush your decision when deciding which vehicle to drive away in, as it could very well be sitting in your driveway for many years to come. Making sure to spend your tax dollars on a set of wheels that you will be comfortable with for a long time is the key thing to keep in mind during the process.
There are a lot of issues that occur in our everyday lives that usher in stress and burdens that we never see coming. Having to bite your nails about reliable transportation should never enter into the equation, as it should just be one of those things in life that we can rest easy about. Tax season comes around once a year and it gives everyday, hardworking Belton residents the way to buy a good car that they can rely on for a long time to come.
It’s time to get a new car. Yours has been on its last legs and limping along for over a year now and you just don’t think it will make it safely through another winter. You’re ready to get a replacement, but you have one concern — your credit. Past decisions have left your credit less than spectacular and you’re worried that it will automatically prevent you from getting a loan for that new car you so desperately need.
In past times that may have been the obvious outcome, but in today’s modern world, there are more options. With a little research and work, you may just find yourself in your new ride before you know it!
Credit is an important part of anyone’s identity. In today’s day and age, you cannot get by without your credit score so you should take care to ensure it doesn’t drop and try to raise it whenever the opportunity presents itself.
If you are beginning the adventure of looking for a new car, the first thing you may do is check your credit score. Know what you are working with before you go into battle. When you have fewer obligations on your outstanding credit report, lenders see you as less of a risk because your income-to-debt ratio is much better. The better your credit score the better your chances of being able to score a good deal on a new car. Not only that but if your credit score is deemed worthy you are more than likely going to be able to walk away with no down payment and the keys to a new vehicle.
You could talk to your bank. They will pull your credit report, and usually this will drop your credit score automatically. If you’ve been in business with them for years, your record is good, and your credit score is strong, you may be able to get a car loan with a long term.
If the bank loan doesn’t work for you then talk to the car lot directly. Most Buy Here Pay Here dealerships are willing to work with you. Auto Now on-the-lot car financing in Belton is one of the best options out there if you have had poor credit in the past. You don’t have to worry about your credit score and you can get a low down payment used car in Belton.
Auto Now in Kansas and Missouri is a bad credit auto financing giant. With six locations across Kansas and Missouri, Auto Now serves the community by being a lifeline for those who have had credit problems in the past.
Your bank will probably turn you away for a loan, but a Buy Here Pay Here auto dealer in Belton probably won’t. Buy Here Pay Here dealerships have been operating in Kansas and Missouri for decades and they’re a regulated part of the financial industry. More than any other type or dealership or bank, they’re willing to offer you a car loan if you have poor credit.
You might see other dealerships offering to arrange financing for you through a dedicated finance team. This takes out some of the hassle of finding the financing yourself, sure, but they’re essentially just going to go online and try to find a bank willing to lend to you using your current credit score as the main determiner of whether you’re trustworthy.
In the end, traditional dealerships don’t have any say over whether you’ll be awarded a loan. It just goes back to the banks like it always did and they’ll probably take a commission for doing the legwork for you. At the end of the day, you’ll probably not be offered a good loan if you have poor credit. Even worse, the fact that they’ve tried to get a loan for you from so many places in a short period of time actually negatively affects your credit score, leaving you in a worse position than you began in.
A Buy Here Pay Here dealership is the lender, so it can decide its own rules on who to lend money to. Auto Now in Belton has therefore scrapped the outdated method of checking a credit score and instead focuses much more on your current situation when deciding on whether to give you a loan.
If so, you’re qualified. With this, you can choose from one of 500 vehicles for sale at Auto Now in places like Belton, Kansas City, and Independence and drive away in it the same day!
Take a look at the cars for sale in Belton at our Buy Here Pay Here dealership. These are great used cars that have been extensively road-tested and maintained. We’re so sure that the used cars for sale on our Belton auto lot are built to last that we offer a 2-year/24,000-mile limited extended warranty on them.
Traditionally you’d need to pay a larger down payment at a Buy Here Pay Here dealer but we’ve also turned that on its head. As you can see from our website, you can usually drive away the same day with a quality vehicle with a down payment as low as $99. This includes vehicles that are just a few years old that have low mileage on the clock.
So, if you’ve had credit problems in the past, the clear route to vehicle ownership is Auto Now in Belton and across Kansas and Missouri. Take a look at our great cars and choose your next ride now!
Looking to buy a car but having trouble due to credit issues? Regardless of credit history, buying a car has never been easier with Auto Now in Olathe.
How can you buy a car with poor credit? As a Buy Here, Pay Here dealership in Olathe and other locations across Kansas and Missouri, Auto Now is your one-stop-shop for buying and financing a used vehicle. Auto Now is different from the traditional bank lender in that we do not discriminate based on previous rejections, bankruptcies, repossessions, or other credit problems — we are here to give second chances to people who need them the most.
Auto Now works with customers to incorporate all the relevant factors that they want in their car loan: vehicle make and model, down payment, loan terms, and more. And, with only three requirements that need to be met in order for financing approval, you’ll be cruising around in your own vehicle in no time!
Auto Now is a regional auto finance company with locations in Kansas and Missouri that believes that everybody, regardless of credit history, deserves reliable transportation. For twenty-two years, Auto Now has been locally and family-owned and operated with the express intention of giving people second chances regardless of bankruptcies, repossessions, and other setbacks that happen in life.
Auto Now has over 500 vehicles to choose from, with a diverse range of makes and models. In addition to regular hatchbacks, coupes, and sedans, Auto Now has SUVs, trucks, vans, wagons, and even hybrids and convertibles! Some of these vehicles come from new car dealership trade-ins, while others come from auto dealer auctions and others still are bought by Auto Now from customers directly. Auto Now’s knowledgeable car buyers know how to find the best cars for the best value, and this value is passed down to the customers through reasonable monthly payments.
With over 500 vehicles that have a variety of down payments and monthly payments, it can be overwhelming to know which car to choose. However, Auto Now has trained Approval Specialists to help buyers determine which vehicle will best fit their needs and their budget.
There’s no need to worry about buying a lemon—all Auto Now vehicles in Olathe receive a comprehensive inspection from local auto mechanics that are highly knowledgeable and qualified. All cars deemed unsafe or unsound are returned to auction or wholesaler, so we can ensure that buyers receive top-quality cars. Be aware that cars might have minor cosmetic defects in order to keep your payments low, but mechanically, all cars are safe and operable.
All vehicles come with a 24-month/24,000-mile powertrain warranty. This warranty pays for the entirety of covered parts and labor, and the customer is only responsible for their $200 deductible. All six of our locations are available to answer questions about this warranty but know that Auto Now has got you covered for the first two years.
There are only three requirements that must be met in order to be approved for auto financing in Olathe. First, Auto Now Buy Here Pay Here car lot only loans to individuals who are at least eighteen years old. Next, only individuals with a valid driver’s license are able to buy and finance an Auto Now vehicle. Lastly, individuals will also need to have take-home pay (after taxes) of at least $1,200 per month. Anyone meeting these three eligibility requirements will be approved, guaranteed!
Unlike other auto dealerships and lenders, Auto Now can approve a buyer in as little as ten minutes! Buyers who meet the three Buy Here Pay Here financing requirements (i.e. are at least eighteen years old, have a valid driver’s license, and have a take-home pay of at least $1,2000 per month) will need to bring some documents in with them. The required documents can vary, but usually, buyers will need to bring their valid driver’s license, a few of their most recent pay stubs, at least one utility bill, and their phone bill. The amount varies by car, but buyers should also bring a down payment (in cash or money order) for the delivery of their vehicle.
There’s little doubt that Buy Here Pay Here financing is one of the fastest ways to get a vehicle whether or not you’ve got good credit.
How are Buy Here Pay Here repayments arranged? Auto Now has a variety of payment plans but focuses on short-term loans in order to get your car paid for and in your name as quickly as possible. Loan term lengths are, on average, significantly shorter than the standard 60- or 72-month leases, meaning average monthly payments will be around $300 (or $75 per week).
In order to make monthly payments, customers can pay via check or money order at any of Auto Now’s six locations across the greater Kansas-Missouri area. There are three locations in Kansas: Topeka, Olathe, and Wichita. In Missouri, there are three additional locations: Independence, Belton, Kansas City.
Alternatively, customers have the option to pay over the phone or online, or with an Easy Pay direct debit option. These diverse payment options make it easy to pay your way, anytime, anywhere.
There is no doubt — Auto Now in Olathe is the place to go if your credit has prevented you from getting the reliable and affordable transportation you need to live your life. It allows customers to forgo the traditional process of finding a car they love only to be denied or given inflexible loan terms by a bank lender after the fact.
Auto Now works with customers to find the car of their dreams with loan terms that make their practical budget work. With six locations across Kansas and Missouri, flexible loan terms and payment methods, a superior and diverse inventory, and unmatched customer service staff, Auto Now is here to help you with your vehicle purchase experience, regardless of your credit.
If you’ve bought a vehicle through a traditional dealership in the past, you probably needed to get financing. The traditional dealership doesn’t offer financing – it just sells cars. So you must head to a bank, building society, or credit union to try to get an auto loan.
Even dealerships that offer to help you find financing are simply doing some of the legwork for you (and potentially taking a commission). They’re still only able to offer you the deals that the same banks will offer you.
A Buy Here Pay Here dealership in Wichita or elsewhere across the country is a dealership that handles the financing for your vehicle itself. It sets the interest rates, decides how much you can borrow, and you make payments to the Buy Here Pay Here auto dealership.
In some cases, the Buy Here Pay Here dealership has a separate company that underwrites the loans they offer.
Auto Now is one of the most respected Buy Here Pay Here dealerships in the country with six locations offering top vehicles and top financing options.
In Wichita, KS, Auto Now is located at 1660 S Seneca St Wichita , KS 67213.
Banks aren’t too interested in giving out short-term loans to people with questionable credit. Regulations and prior experience have led them to offer only long-term loans to people with excellent credit. They prefer to give longer loans as there’s more money to be made in interest repayments, and they like big loans that will make them a juicy profit without them having to do any work or take on any risk.
This doesn’t leave much room for the rest of us! Thankfully, Buy Here Pay Here dealerships are happy to take on smaller loans as financing is only part of their business. Furthermore, they don’t have to rely on outdated methods to tell whether someone will be able to make the repayments. Most Buy Here Pay Here dealerships do not perform a credit check at all.
For example, at Auto Now, to take out a loan you need:
And that’s it! You can choose from over 500 high quality used vehicles in Kansas and Missouri, and drive off the lot the same day.
Buy Here Pay Here dealerships offer multiple ways to make your loan repayments so you can choose the method that works best for you. At Auto Now, we suggest you use our secure online payment system that allows you to make repayments from the comfort of your home. You’re also able to check your current balance, see how much the price would be to repay the loan in its entirety, check your payment history, and print out receipts.
Having everything under one roof makes getting a new or used vehicle at Auto Now super quick. Realistically, you could be approved for a loan and off the lot with your new vehicle within 10 minutes!
There’s no reason to rush, though, and we invite you to check out all of the excellent vehicles on offer. For your convenience, you can browse all of the vehicles available at each of our branches on our website and if something catches your eye, you can apply for financing online before even visiting the dealership floor.
Over the past few years, the average price of new cars has continued to increase. 2019 vehicle models saw a big jump, and 2020 vehicles will see an even bigger rise in new car prices. For people looking for a good deal, a Wichita used car dealership makes more sense as they can finance a used car without breaking the bank.
Buy a used vehicle in Wichita and you’ll save a huge amount over the price of a new car. Depreciation on a new car is the no. 1 expense of a vehicle, but you don’t notice it until you come to sell the vehicle. New cars lose around 60% of their value in the first five years, and all the while, you’re paying interest on a loan to own them!
Used vehicles represent better value as the depreciation is a lot lower. You’ll find good deals on used cars for sale at a Buy Here Pay Here Dealership in Wichita.
Competition from subprime and deep subprime lenders has caused Buy Here Pay Here dealerships to be even more competitive. This means that deals on offer are better than they have ever been.
The best Buy Here Pay Here auto dealers in Kansas and Missouri do a lot to gain and keep your trust. We know that you’re trusting us to offer you a great vehicle at a competitive price alongside excellent financing options.
To back up the quality of the vehicles for sale, many KS Buy Here Pay Here dealerships offer a free extended warranty. Auto Now offers no less than a 24-month/24,000-mile extended limited warranty on every car. There’s a small deductible of $200, and all necessary repairs will be completed within 21 days.
There are many benefits of buying from a Buy Here Pay Here dealership. The process is a lot easier, faster, and simpler, and you’re much more likely to be offered financing than through traditional methods. The finance offers from Wichita Buy Here Pay Here dealerships have never been better, so now is the time to consider getting that new vehicle you need.
In the world of Buy Here Pay Here auto dealerships in Independence, Auto Now stands out for a commitment to quality. We take the time to help our customers. It is about putting the right customer with the right car and not overextending their finances. Auto Now has a quality service that is needed in the day of the overwhelming interest rates and predatory loans.
One of the most frustrating things about trying to buy a car in Independence is finding one that is perfect only to discover that it is at a dealership a county or more away. That isn’t an issue when it comes to Auto Now. We have six locations to make the car buying process as painless as possible. Our website shows the inventory of each lot. This makes the process of finding a car in the right area a breeze. Directions and contact info are simple to find these links, not tucked away like a treasure hunt on other car-buying sites.
A common source of stress when looking for a used vehicle is finding something of quality in the right price range. At Auto Now, there is a bevy of vehicles from which to choose. It isn’t limited to the bygone days of rust buckets and old farm trucks. Each of these cars, trucks, and SUVs is a quality machine that will carry their owners where they need to go.
A vehicle’s history is always a concern when thinking about purchasing a used one. One never knows at first if this was a car with only one owner or if it is something that has been through a flood and simply cleaned up to be presentable. Auto Now takes the time to source our vehicles from dealer trade-ins and reputable auto auctions.
After the car is purchased by Auto Now, we take the time to make sure that it is safe for our customers. A detailed and in-depth inspection takes place for every vehicle. If it isn’t something that is safe for the customer, Auto Now doesn’t even let it hit the lot.
Another benefit of becoming an Auto Now customer is the number of cars from which to choose. There are over 500 listed between all the sites and cars can be transferred to the location of the customer’s choice. Customer service reps are there to make sure the needs of the customer are met in the vehicle they end up with. With a seemingly endless inventory of makes, models, prices, and features, there is no reason not to find your dream vehicle in that list.
A common ailment that Buy Here Pay Here sites suffer from is a dated layout and tech. That just isn’t the case with the Auto Now site. Each link is fully functional as well as leading the customer to the right place and not some endless loop of badly set up hyperlinks. Car information is laid out in clear concise terms with plenty of pictures and any additional information that one could want.
For those that might not have the time to stop into the lot until it is time for a test drive, Auto Now makes it easy to find a vehicle. The application for the cars can be processed right on the website. Gone are the days of needing to show up at the dealership with stacks of paperwork in hand. After getting approval on the application, it is good for up to 30 days so fitting the car buying experience around any schedule becomes a breeze. Test drives can even be scheduled online to make the car buying as painless as possible.
When it comes to making a payment, there is this unspoken thought of having to pull cash from the bank and drive to the location where the car was purchased to make the payment on time. Auto Now streamlines that dated process by offering an online payment option. No more worrying if the payment is going to be late just hop on the site and a few clicks later it is all taken care of.
One of the scariest things about buying a used car is that it is going to rattle apart a few miles down the road and nothing will be left but the payments and regret. Auto Now alleviates this fear by offering a fantastic warranty on their vehicles. Each of the vehicles on the lot is covered by a 24-month or 24,000-mile warranty. That isn’t even the best part of all of this. Say the car breaks down and the warranty is active. The most the owner is going to have to pay to fix this car is $200. For a used car dealership to put that kind of warranty on their products lets everyone know they stand behind the vehicles they are selling.
Everyone has either run into credit problems of his or her own or knows someone who has. The hardest thing to do when bad credit luck strikes is to buy a car even though that is a necessity in this day and age. Auto Now Buy Here Pay Here car lot gives consumers an option that not only puts them in a safe and reliable vehicle but also rebuilds their credit at the same time. We are giving families options for transportation that they might not have thought they had.
Check user reviews of Auto Now and you’ll see why we’re proud of our work helping people who may have been turned away for a loan at a bank get financing for a new ride. Auto Now is waiting for your call, so browse our vehicles and find the right car for you and your family’s needs.
One of the best times of the year for Wichita auto dealers is when tax season finally rolls around. This is the time when car lots all over the country experience a major spike in business due to many individuals getting a large tax refund. Families, both large and small, set out on a journey to upgrade a very important area of their life, their transportation. No matter if it is fathers looking to better their travels to and from work, or a mom simply wanting a more dependable ride wherever she needs to go, tax season is the time to strike for several reasons.
One reason why tax season is the best time to buy a car in Wichita is convenience. Convenient, as in it is an opportunity to buy a vehicle and pay it off completely in one lump sum. A family on a budget can buy a car with a tax refund and own a quality vehicle outright instead of having to worry constantly about making yet another payment.
While some may only be able to afford a used vehicle, it is still a great opportunity to eliminate a major hassle in life, in the form of a dreaded monthly car payment. No more biting nails wondering what life necessity is going to be cut in order to keep the family vehicle, as that healthy tax check can eradicate that stress altogether.
Another great reason to make a tax refund car purchase after receiving a handsome tax check is that there is no better time to reward yourself and the family. After a long year of hard work and dealing with the daily stress that life can often dish out, why not use that check to upgrade the thing you count on the most? It is without a doubt the only time of the year that a lot of families can go all out and splurge on something nice, so why not make it count instead of spending it all on items over the festive season that will not help you out in the long run?
Getting that good news through the mail can go a long way in helping a family bounce back after a long tough winter, and getting that new ride to decorate the driveway with is the option for many.
A third reason why investing that tax refund into a new vehicle is a good idea is that many car dealerships are ready and waiting to do business. Tax season time is not lost on those who are responsible for selling cars, and we know when it is time to start offering up good Buy Here Pay Here car financing deals to individuals who are anxious to upgrade their means of travel. It’s a competitive time for dealerships in Wichita, so expect to see some great deals on cars for sale.
It is a huge time for both used and new car dealerships, especially in communities where businesses can oftentimes be slow and unsteady. We want to capitalize on customers who are chomping at the bit to improve their conveyances, so they will be ready and willing to serve up some solid deals that a potential car buyer will not be able to refuse.
Speaking of getting extravagant, a large tax refund check could serve as a tremendous down payment on the purchase of a brand new vehicle. This is yet another reason why tax season is the right time of the year to upgrade your ride if having a monthly payment is something one can manage over the course of the next few years.
While many may be looking for a quality used vehicle that will eliminate the thought of another payment, others may want to use their lump sum of cash to simply go all out and get fancy with their transportation. This is, in fact, the one time of the year where dishing out that big down payment is possible, and many people want to take advantage of that opportunity to be the talk of the neighborhood by parking a brand new ride in their driveway. Certainly a move will have the neighbors talking and perhaps boost the family status up a notch or two.
The fifth and final reason why tax season is the perfect time to splurge on a car is the fact that it is the responsible choice! That’s right, buckling down and getting a vehicle that will serve the whole family throughout the whole year is without a doubt the right move.
Without a car to depend on, getting to and from work for both mom and dad would be nothing short of a nightmare, and an issue that could cause a lot of stress for anyone! Furthermore, running those daily errands would be doubly hectic, and getting the kids where they need to be would not be fun whatsoever.
Upgrading transportation is not necessarily being loose with money. It is simply making a smart financial move that will be very beneficial for all parties involved.
Tax season is the ideal time to buy a car in Wichita for a wide array of reasons, and for many families, it is the only time to make the move. While many individuals may be on the fence about getting a new car during the year, it is often the thought of getting that sweet tax refund in the mail that is the determining factor.
Whether or not the decision comes down to making a payment on a new car, or simply trying to get something they can take care of with one lump sum, odds are high that there will not be a better time to do either than tax season!
While there are numerous ways that you can invest your yearly tax refunds, it is always a good idea to come up with the best ways to do so before cashing that big check. Tax season is an excellent time of the year for Independence families to get ahead financially, after going through the entire year simply trying to get by. No matter how big your refund may be, choosing the best way to invest could be the difference in terms of how the rest of the year plays out from a financial standpoint.
Often, it can be a great time for a family to get ahead by investing in something that could really be a pivotal purchase. In many scenarios, families do not have reliable transportation to accommodate everyone in the household, which often leads to family members being forced to make costly sacrifices.
Thus, one of the best ways for any struggling family to spend their tax returns is on a reliable vehicle. This can be a purchase that opens up an infinite amount of new doors for people who otherwise would be severely short on opportunities. Having a good running car can open up a world of endless possibilities for those who have previously been without, as gaining meaningful employment becomes that much easier.
Furthermore, picking out how you can get yourself on the highway is another crucial decision that has to be made before spending all that money. Making the decision to go with a used car dealership can be the smart choice for a large number of people, as there are several key benefits in choosing to go this route.
One big advantage in going with a used car lot in Independence is that many of them are Buy Here Pay Here, and that can be a very helpful option for many potential buyers. A Buy Here Pay Here car lot in Independence can be a godsend for people with poor credit, who otherwise would not be eligible to get financing through a traditional bank.
Buy Here Pay Here financing in Independence has a lot of other benefits. It’s a lot more convenient to handle everything under one roof, as opposed to heading from the dealership to your bank when you need financing.
A credit check at a Buy Here Pay Here car lot in Independence is of little importance — if you can show you have the ability to repay a loan then the dealership is likely to offer you it. This is not the case were you to go to a bank.
All in all, it is a high-quality option and one that gives a wide spectrum to individuals an outstanding opportunity to become the proud owners of a vehicle.
While getting a car can be a great way to spend your tax returns, another solid option is to invest in home repairs or a complete remodel. Many do not have the resources to upgrade the place where they spend the majority of their time, as problems within the home can often mount and cause bigger problems than one ever thought possible. No matter if it is a leaky roof, critical bathroom repairs, appliance upgrades, or more severe issues that can cause structural or internal damage to the home, getting those fixed can be a wonderful relief for homeowners.
If you do not need a new car or are not in need of home repairs, then perhaps a nice way to spend that tax return check is on a family vacation. While some may see this option as an extravagant one, the truth is that many people need it in order to reset themselves.
Families could use the bonding time and some much-needed rest and relaxation in order to not only become closer as a family but also make some life-lasting memories with one another.
For many low-income families who deal with many hardships throughout the year, this could be their annual chance to get away from it all and just take in some sun or have an adventure of a lifetime with their loved ones.
Perhaps a more practical way of celebrating tax season would be to open up a savings account and store the money back for when it is really needed. Although this may not be the wise option for a large number of families, it could most certainly be the choice that could enable them to get ahead in life from a financial perspective. Not only would extra savings help put dinner on the table during those hard months throughout the year, but it could also be a great option for paying the bills when those extra expenses pop up from time to time.
Another clever way to spend that tax check on spiffing up the family’s entertainment room. In today’s world of twenty-four-seven technology, having the family together in one room watching television can be a rewarding experience. Perhaps getting that new flat screen that has been on your wish list for several years can finally become a reality. In addition, getting new furniture and maybe a pool table would make your entertainment room the go-to place for not only your kids but also their friends as well.
Overall, this is the type of upgrade that could do wonders by giving the family a gathering area where everyone can enjoy one another’s company.
Spending your tax returns can be a fulfilling experience and a meaningful one as well. Despite financial struggles one may be going through, tax season can serve as the season of redemption for those who aim to hit life back right where it hurts. There are a number of ways to invest when the time is right, and for many, that time is always tax season!
So, you’ve gone through the process of buying a used car. Maybe you’ve gone through a private seller and are dead-set on a particular vehicle. Or, perhaps you’ve been approved for financing at a buy here pay here car dealership. Regardless of the situation, you should always test drive any used car, regardless of the warranty on the vehicle, the used car dealership assertions, or the way the car looks. Even if you trust the owner of the vehicle, test driving a car is a great way to make sure that you are satisfied with the style and driveability of the car before buying.
Always start with the basics when it comes to testing your potential new car. You don’t need to be a mechanical wizard to be able to tell the difference between a healthy-sounding vehicle and a car that sounds like it needs work. However, sometimes, little sounds are hard to hear with the hood down. Additionally, you won’t be able to see how the belts and motor functions with the hood covering it. Ask questions about anything you see, even the smallest tick or suspicion. If you feel uncomfortable doing this, bring someone you trust along who knows about cars.
Next, pull the dipstick out of its place and check the oil. Make sure to wipe off the first pull out, stick it back into the gauge, and pull it out again. Check not only the level of oil in the car, but the consistency, color, and smell. If the oil is black, lumpy, and foul-smelling, chances are the oil has not been changed in quite a while and there might be issues with the engine as a consequence. Your car should have smooth, light brown (like the color of coffee with some milk or cream in it), slightly transparent, and should not smell burnt.
Check the car for any issues before you drive it. Are there dings, dents, rust patches, or anything else that might indicate future issues or past incidents the owner left out? Don’t be worried about asking the owner about these issues and clarifying them. This will also show you noticed them before you take a test drive, in case the owner tries to blame you for these issues. This rarely will be an issue, but it’s always best to be proactive and plan accordingly.
Sometimes, you miss things by just sitting in the front seat. Things like the comfort of the back seat, the safety of the passenger seat, or how the car handles as it goes over a bump are things that can be missed when observing just from one position. If you can have someone go with you for a test drive that would be ideal.
Not all braking situations are indicative of brake health. Be sure to check the brakes doing routine driving as well as coming to a stop quickly. You can test this by going to a dead-end or empty parking lot, driving at an average speed, and coming to a quick stop. After all, brakes are your lifeline in immediate stop situations. You’ll want to make sure that they work well always.
The steering is one of those things you never want to go out. To be sure that it is working well, check your steering while driving in a straight line (again, something you’d want to do in a low-traffic or no-traffic zone). Turn the wheel right 35-90 degrees and left 35-90 degrees. Notice if there are any sticky points in the turn, whether the wheel rumbles at all or any other inconsistencies that might indicate your steering is not as healthy as it should be.
After checking the important parts revolving around the car, it will then be up to you to determine whether the vehicle has the components you want. Is the air conditioning working? Does the radio play music well? Is the interior up to your standards? If these are deal breakers for you, then it is worth it to look into them before purchase.
As you might with the popping of the hood, you might not be able to hear all the issues with the car with the windows only up or only down. Take the car to a quiet place and give it a drive around with the windows up, noting any interior sounds that might be odd. Then, do another trip around with the windows down, recording any engine, brake, or other sounds.
The undercarriage is a significant indicator of the health of the car, and sometimes private sellers will try to pass off problems by making the exterior look flawless. Get on your hands and knees (or have someone else do it if you are unable to) and check for rust, obviously broken or hanging components, or anything that looks off.
Finally, don’t be afraid to ask questions. You are the one purchasing the car, and any seller worth their salt will understand that you want to make a sound purchase the first time around.
Auto Now of Wichita stands behind its used cars and offers warranties on each vehicle they sell. However, we are here for you in case you have any questions after test driving one of our used cars. Contact us today at (316) 262-3000 or visit our South Seneca street location in Wichita for more information.
Wichita is a great place to live, but that doesn’t always mean that it is the most comfortable place to live. Across the country, people struggle to meet daily expenses, like food purchase, bill payments, and car payments. Wichita is no stranger to this struggle. The median household income for Wichita as of the 2010 census was $44,477. Splitting the median by demographic, Wichita men made over $10,000 more than Wichita women. However, compared to the national average, the median income is low regardless of gender. The national average salary is $61,372, as of the 2017 census bureau records. And with a national outcry over the meager federal minimum wage, it’s easy to see that even the national number is rarely enough to make ends meet.
If you’re in the demographic that struggles trying to make required payments, you’re not alone. Luckily, there are options for those who need financial help. For those who need assistance with car payments, in-house car financing at Auto Now of Wichita will help you get a reliable, affordable car without having to worry about processes like credit checks and large down payments. Not sure about how this works? Let’s walk you through the process.
The first step in this process always starts with the customer, and really, it is essential for the customer to understand just where they are at financially. In-house car financing through Auto Now of Wichita is an inclusive process, and no one is ever turned away because of their credit history. However, there is a base amount of money that a person must make per month to qualify for vehicle financing. At Auto Now, that base number is $1200 per month. If you make this amount, you’ll be able to get a car at one of our locations, but you’ll want to figure out just how much you are willing to spend per month on a car payment. This will widen your vehicle selection while also preparing you to start making payments toward this extra expense.
Purchasing a car through a used car dealership is a bit different than buying secondhand from a private seller. This affordability step will be the first step in both processes, but after budgeting, you will not go shopping for cars. Instead, you’ll apply for financing.
Once you have a handle on your budget, head over to the Auto Now website to apply for financing. This is a quick and easy process and only requires around twenty minutes of your time. You’ll fill in personal details, like your income, references, monthly expenses, and other useful financial information that will help Auto Now determine what your monthly car payment should look like. Once you’ve filled out the form, then you’ll submit it and wait to hear back from the company.
Getting approved for credit doesn’t take very long, unlike applying for a loan through an organization like a bank. Generally, a representative of the buy here pay here lot will get back to you within 24 to 48 business hours. Once you’re approved, you’ll meet with a sales representative, who will provide you with an overview of what the company is prepared to offer you as far as financing. Be sure to ask questions at this point in the process - it will help you in the long run and will make sure that you are ready to accept the terms of your agreement. The terms of your financing offer include how much they are willing to offer you, how much you would end up paying per month, and how much you would likely pay in interest over the length of the loan (as well as your interest rate).
Remember that car financing through buy here pay here lots are loans and have the same sorts of terms and stipulations as a bank loan. Be sure you are prepared to take on the responsibilities of a loan before applying!
After you feel comfortable with the terms of your financing offer, a car salesperson will show you cars on the lot that are affordable under your financing options. Typically, there will be many options for a person to choose from, regardless of how much they were offered as a personal loan. You can choose a car the same day, or you can wait and revisit the lot if you don’t see anything you like or if you need time to think about it. The point of in-house financing is to provide people with options despite their credit history.
Once you’ve picked out your car, all you have to do from there is sign the ownership papers and the car is yours. For many who apply for financing at a used car place like Auto Now of Wichita, driving away with a car the same day is a pretty common occurrence.
The sense of freedom from weighty personal bank loans and months of savings is only one of the advantages of buying through a buy here pay here establishment. If you can afford to put a down payment on a car, you’ll spend even less time than you would paying back your car. Buying from a buy here pay here car lot gets you quality used cars quickly, without the wait of bank loan applications and without the fear of getting a lemon from a private seller. Additionally, buying a used car saves you money down the line, unlike a new car.
Take advantage of in-house car financing with the offers available at Auto Now of Wichita. As well as our location on 1660 South Seneca Street in Wichita, we have locations all over Kansas and Missouri. Our site offers a quick and easy application process, competitive interest rates, approval regardless of credit scores, and a wide selection of quality used vehicles to choose from. For more information, call us at (316) 262-3000 to set up an appointment or click here to fill out an application today.
Does it feel like every paycheck you get goes toward your car? It can be expensive being a car owner. With gas prices consistently rising, the cost of maintenance going up, and the prices of vehicles, themselves also constantly straining the pockets of Americans, it can seem almost worthless to own a car at all. Car payments are the worst, for many of us. A vast majority of Americans who make monthly car payments pay almost $500 twelve times a year. That’s close to $6,000 per year to own a car in 15 years. These payments include interest, so those who own new cars end up paying much more than they initially set out to pay.
All these high prices aside, it’s undeniable that a car is a necessity in modern America. Less than 10% of Americans use alternative forms of transportation to get to work, but it’s impossible to skirt around working.
There’s good news for those of you feeling the sting of new car payments, however. You can reduce the number of expenses you pay on your car by switching to a used car, preferably a reputable one from a place like Auto Now Wichita. Here’s a little more about how you can save with a buy here pay here car, and how you can work on getting your new vehicle off your hands.
If you’re looking to get rid of a new car, you’ve got to understand that the process is going to be a lot tougher than getting rid of a vehicle you own outright. If you’re thinking about trading the car in or giving it back to the dealer, the first thing to note is that it does not absolve you of the debt you owe on that vehicle. When you signed the papers to get that vehicle, you took out a loan for the worth of that car, and that worth is still owed to the dealership regardless of whether or not you ended up owning the vehicle. The reason why you still owe this amount? It is likely that the dealership will not be able to sell that car for its asking price, which means that the risk they took in lending to you as a buyer ultimately cost them money.
If you made a substantial down payment on your new car when you first got it, and you’ve been making consistent payments for quite a while, chances are good you don’t owe a whole lot on your car, and your payoff amount won’t be that much. From here, you have a few options. You can return it to the dealership and pay the remaining balance of the loan, have another potential owner take over the lien payments by transferring ownership, or work out an agreement with your potential buyer where they pay for the car, you pay the dealership the payoff amount, and then you sign over the title once you own the vehicle. The last scenario involves a lot of paperwork to ensure everyone gets what they paid for legally, but it has the most significant potential for profit. If you can work it so that you make a profit from the sale of your car while also paying off the rest of your debt to the new car dealership, you’ll be able to use the profit to put a down payment on a reliable used car.
Used cars can be just as reliable provided that they are purchased from a reputable seller. Here are some of the best reasons why you should buy your next used car from a buy here pay here lot like Auto Now of Wichita.
Still not convinced a used car is right for you? Let one of the reputable associates at Auto Now in Wichita sway your mind. We’ll help you figure out the best way to deal with your current car payments and will get you set up with financing for a used car if you are looking to save on monthly car payments. Find out more today by stopping into our Wichita location at 1660 South Seneca Street, or calling us at (316) 262-3000.
Most Americans will own a used car at some point in their lives. Used cars remain far more popular to purchase in the United States than new vehicles do. In 2018, 17.2 million new cars were purchased in the United States. When compared to the used car number, people were buying over 20 million more used cars than they were new cars.
Why? For a variety of reasons. Buying a new car is expensive, first and foremost. It usually requires a hefty down payment, as well as a credit check. For many, the expense of a down payment is enough to break their budget, completely wiping out their savings account and putting them at risk to be unable to cover unexpected expenses. For others, credit scores mar their history and make it hard for them to obtain financing.
But the 17 million new cars sold in 2018 show that there is a reason that people seek out new cars - reliability. There’s this unspoken opinion that all used vehicles have something wrong with them. If you’ve believed that opinion, we’ve got news for you.
The first step in any financial endeavor is to budget. Budgets are helpful even if you don’t adhere to them strictly, as they give you an insight into how much you spend each month and yearly. Consider all your monthly obligations - rent, mortgage payments, healthcare, and otherwise and then subtract all your expenses from your paycheck. The amount you have left over represents the total extra money you have to spend per month. Always leave room for personal purchases, like nights out, as well as setting some aside into savings. From there, figure out how much you would be comfortable making on car payments each month. This will guide you toward a car budget.
Typically, it’s worth it to purchase a used car that is reliable over a sporty car. It might be tempting to buy a fun and flashy vehicle within your budget, but reliable used cars like Toyota Camrys, Honda Civics, and others are built to last, saving you repair costs down the line.
In the same manner of thinking, it is also worth your time to research cars before purchasing them. You might like the looks of a car and then upon doing research come to find out that it has a horrible track record for repairs. If you plan on buying used, you typically aren’t going to find precisely the car you want, anyway. Having greater knowledge of cars will allow you to make decisions on the used cars you do come across, providing you information like market value, common problems, and upgrade options.
If you’re at the point where you’re thinking about purchasing a car, the next step is to set up a meeting with the car owner or dealership to take a look at it. The first thing anyone should do is do a walk-around of the exterior. Note any rust spots, as these could become an issue down the line and might indicate the overall health of a car, which could save you money on buying a vehicle that will need many repairs. Check under the hood and check the quality of the fluids. Additionally, look for any issues that might be signs of previous fender benders and make sure to ask the person or dealership you are buying from questions about blemishes, even if they are as little as a ding on the hood. Knowing a vehicle’s history keeps you prepared and helps you understand where it is in its life.
Always test drive your cars to make sure there is nothing wrong with them. You’d be surprised what you can find when you’re not parked. Test the steering, brakes, windows, acceleration, and drive the car with the windows open and with them closed - listening well each time. If you notice anything off about the vehicle, think about taking it to a trusted mechanic for a second opinion.
If you can’t imagine affording the full payment on a used car from a private seller, or you just don’t trust yourself to make a good decision on a reliable vehicle, you should work with a reputable buy here pay here car dealership like Auto Now of Wichita. Always buy from dealerships that offer warranties on their cars, like Auto Now, as this indicates the vehicle has been inspected before being offered for sale, something many car lots don’t do.
We’ve all had those moments where we scream at our past selves for doing something that makes it harder for our present and future selves. Perhaps you forgot to change the toilet paper roll after the last bathroom trip, maybe you let days’ worth of dishes pile up, or maybe you forgot to pay a credit card on time and got slapped with a late fee. It’s moments like these where you wished you had been kinder to yourself in the past. Do yourself a favor and make a down payment on a car if you can. While it might seem hard at first, it could save you hundreds or thousands of dollars down the line.
In short, the best way to save a lot on a used car is to do your research and consider working with someone who knows their way around a vehicle. That will save you from purchasing a potential lemon and will help you pick a car that is right for your lifestyle and will stand the test of time.
For reliable used cars at a great price, work with Auto Now of Wichita on South Seneca Road. With hundreds of quality pre-owned vehicles at competitive prices, we help everyone find a car that they can afford regardless of their credit history. Simply fill out an application online or give us a call at (316) 262-3000 to get started on your budget-friendly car purchase today.
When you dreamed of owning a car when you were a kid, you probably were thinking about the fanciest, shiniest car on the lot. You imagined the newest model with all the fun bells and whistles on it that would make you look like the cream of the crop as you drove around town.
Then, you got older - and reality eventually hit you. Buying a new car isn’t all that it’s cracked up to be. It comes with hidden fees, substantial monthly payments, and significant sales tax. There is a way around the disappointment involved in the new car buying process. The secret? Be open to buying quality used cars. Auto Now of Topeka knows that they can help you with your next car purchase by showing you quality used vehicles that are just as nice as the newer models you might have your eye on. Here are some of the reasons you should feel confident about buying a used car.
Auto loans and in-house financing options for new cars are set up to allow the buyer to pay less per month over a more extended period. As a result, more people can afford cars they initially didn’t think that they could. The consequence of this, however, is that it takes a lot longer to pay your vehicle off. Most in-house financing deals on new cars are set up for 15 years. Over that period, interest accrues at an alarming rate. Eventually, you’ll end up paying way more than you originally bargained for. Instead of letting your payments get out of hand, purchasing quality used vehicles will allow you to pay off your car in months rather than years, and will ensure that your monthly payments are high enough that you avoid paying mounds of interest but low enough that you don’t feel strained for money each month.
Many people who purchase cars forget that sales tax is not included in a car’s advertised price. This can come as a shock to those interested in buying new cars, as sales tax can reach $10,000 or more on certain new cars.
Used cars have lower taxes because they are not as expensive. Therefore, you pay less on the overall price of a car as well as less on the sales tax you weren’t expecting.
If you’re searching for a car to purchase, you’ve probably prepared yourself for the likelihood of a down payment. New cars usually require a down payment, regardless of how much you intend to pay on it each month. The rule of thumb with down payments on large purchases is that you pay 20% of the purchase - which can add up to an entire purchase of a used car, in the thousands.
Many used car places don’t even require you to put a down payment on a car - they’ll work with you to factor it into the payment of the car itself. However, if you do end up needing a down payment (or willingly paying a larger down payment to lower your overall cost), the down payment will be much less expensive than what you might pay on a new car.
If you have previous credit issues, interest rates probably have you scared. Fortunately, you don’t have to worry about interest rates at buy here pay here dealerships. Their interest rates and payment plans are intricately worked around your financial needs, which means they help you pay as little as possible over time. Their interest rates are competitive to those in the mainstream lending field, but as long as you meet monthly income requirements, you’ll never have to worry about paying more than you should.
Many states have inspection laws, and in those where there are none, it can be a worry for used car purchasers that they might get the wool pulled over their eyes during a sale from a private seller. Buy here pay here dealerships have to meet rigorous federal standards for sale, and most of them sell their cars pre-inspected. This means you save on initial inspection costs as well as having the security of knowing your vehicle is safe and reliable.
We’ve all heard the statistics that the majority of the greenhouse gas pollution that happens in the lifetime of a car comes from initial production at the factory. Any time you purchase something secondhand, including a car, you are lowering the demand for new cars and therefore reducing the amount of new car production.
Additionally, some of the newer models of cars don’t get as good mileage as the older ones. It’s best to research the vehicles you like before getting a newer model. You might find you’ll save some money on gas buying an older car, as well as lowering your carbon footprint.
New car buyers often worry about their car’s depreciation - will they be able to sell it for enough money when the time comes for them to purchase a new car?
With used cars, you never have to worry about depreciation because it has already happened. If you buy a vehicle used, keep it well-maintained, and make sure it is in proper working order when you try to sell it, you’ll be likely to sell it for close to what you purchased it for.
At reputable used car dealerships, like Auto Now of Topeka, you don’t have to worry about being denied financing options if you really need them. Auto Now of Topeka has an easy-to-use online application that asks you basic information about your financial health. Rather than relying on your credit score, they make sure that you make a base income each month (for Auto Now of Topeka, this base income is $1200 after taxes) and they offer you a financing amount based on the information you provide them.
Still not convinced? Come down to Auto Now in Topeka, Kansas and let us talk to you more about the benefits of buying a used car. Visit us at 116 Southeast 29th Street or give us a call today at (785) 266-6300 for more information. To get started on an online application, please fill out this form. Once completed, hit submit and a representative will be in contact within a business day.
Used cars aren’t just for teenagers anymore, and they certainly aren’t the clunkers that movies and popular media make them out to be.
They are increasingly becoming one of the most popular car-buying options in the United States. There are many reasons behind the increase in used car buying. Between low national minimum wages and high costs of living, it often makes sense to buy a car used. For some, buying new comes with the worry of large monthly payments. One of the biggest reasons that people are buying used, however, is because of the increase in the costs of new cars. A 2017 New York Times article pointed out that the price of a new vehicle jumped 13% between 2011 and 2015. That cost only continues to rise, making it hard for most people to enjoy the luxuries of a new car.
For those with credit issues, new cars might seem entirely out of bounds. Most new cars cost upwards of $35,000, and even some used cars can cost much more than most are willing to spend. However, it’s often no picnic trying to finance a used car through your bank or credit agency. This causes many who need a reliable used car to spend thousands on a junker they bought secondhand from a private seller. For those of you in Topeka, Kansas, there are more reliable options for financing and purchasing a used car. Auto Now of Topeka is one of the many options. Here are some of our tricks for finding the best used car financing available to you.
Preapproval for a traditional loan looks like this: You’ll fill out an application for financing. The application will likely ask you about personal financial information, like how much you make each month, a quick peek at your credit scores, and perhaps a look into your credit history. Many financial health gurus recommend starting with a bank or financial institution you know, like your bank. There are often insider rates and deals that you can sometimes leverage using your own bank.
However, if your bank uses credit scores and credit history to determine your lending amount, you might run into issues if you have previous credit issues. If this is the case, getting preapproved at a buy here pay here dealership like Auto Now of Topeka can help you avoid running into problems with credit applications and help you get the used car financing options you need quickly.
Of course, used car buying comes with some upfront financial commitment regardless of your financing options. Whether you end up making a swift first-month payment or a down payment, you’ll need to have some money to make a partial payment. If you have credit and/or income issues but need a car, this might be a good instance in which to ask a relative or a friend for a loan. They often can help you get ahold of the used car financing options you need without having to go through the pain of applying to multiple lenders and getting denied.
Each credit inquiry made on your credit history factors against your credit score, so even those trying to make a positive impact on their credit score by applying for other credit accounts might face harsh consequences for multiple applications. Having help from relatives to make a down payment on a car from a buy here pay here dealership, which provide financing options to you regardless of your credit history.
Many first-time car funding seekers will just hop on whatever deal they get first and ride away with it. That’s not the best way to go about car shopping, even if you are worried about your credit history and ability to get financing. Get preapproved for loans -- this will involve you filling out an application and waiting to hear about approval. Once you are preapproved, you will see what types of interest rates you are looking at, and you’ll be able to pick from the best rate. This will save you money over time.
Most buy here pay here dealerships offer preapprovals for financing, like Auto Now of Topeka. Read on to see how the financing process works at buy here pay here dealerships.
Buy here pay here financing is one of the best ways to get funding quickly, regardless of your credit history. First, you start with an application, like the one found here. You’ll be asked about your monthly take-home income, as well as other financial obligations you might have. After this, you’ll be approved for a certain amount, and the dealership will walk you through the types of cars they have available on the lot within that financing range.
It might seem that working on your credit is easier said than done, but there are many easy ways that you can work on your credit, and not all of them involve you foregoing a car purchase until your credit score improves. Credit score improvement does take time, but it’s possible to lower your score in a manner of a few months and make yourself available to better future lending options.
We have more financing tricks up our sleeves at Auto Now in Topeka; you’ll just have to stop by our dealership to learn more about them. Call us at (785) 266-6300 today to make an appointment, or click here to get preapproved for financing.
The internet is a necessary tool in today’s modern age. The average American spends a full day of their week on the internet - that’s 24 hours every seven days playing games, reading their email, doing online shopping, chatting with old friends on social media, and more. As a result, more and more businesses have taken to doing things online, and this includes private sellers and everyday people trying to make a quick buck online. Because of this, the number of secondhand car sales has risen significantly in the past year. And even more impressive - secondhand car sales have shifted from being something done in-person to something done online.
Craigslist, LetGo, and other platforms for secondhand sales have become quintessential to the used car buying process. However, when it comes to purchasing a used car from a secondhand dealership like a buy here pay here dealership, it doesn’t always help the buyer out to shop online. Here are a few reasons why you should avoid shopping for a buy here pay here car online and instead opt to visit the dealership in person.
Very few people show up at buy here pay here dealerships with the right amount of cash to purchase a car outright (although, it does happen from time to time). If you can’t afford to buy the vehicle you were looking at online outright, you’re going to have to find outside financing, which always has a limit. If you opt to go the bank or traditional lender route, you will not only have to go through a credit check, but you will have to provide information about the car that you are interested in. If the vehicle you are interested in costs more than the amount they are willing to lend to you, you will be denied financing and your online shopping will be in vain.
Meanwhile, if you apply for financing through a buy here pay here dealership, you will not be denied financing unless you don’t meet the dealerships age and income standards. However, you will be given a spending limit. Unless you have an excellent idea of what your spending limit will be with that organization, you also run the risk of not being able to afford the car you were shopping for online.
Buy here pay here dealerships suggest following different purchase steps when buying from them. Instead of scoping out specific cars in their inventory beforehand, they recommend coming up with a general idea of what you want in a vehicle. From there, you will be able to apply for financing and will be approved for a specific amount. Once you are approved, a salesperson will walk you through the amount you’ve been approved for as well as the cars on the lot that fit your budget. Finally, you’ll be able to pick out a car within that budget.
Overall, this is a win-win situation for you. You get financing regardless of your credit history, and you can be confident in the fact that you will never pay more than you can afford on a car because that is how buy here pay here financing is set up.
Let’s face it. If you’re buying from a buy here pay here dealership, you likely want the comfort of knowing that the purchase you’re making is going to be a good one. There’s no way to determine this online from a secondhand dealer, and it’s harder to know what you’re looking for in a car just viewing it online. By meeting with a salesperson on-site and talking through your questions, car buying stipulations, and other uncertainties will help you understand the best car deal for you.
Say you know how much you’re going to get in terms of financing. You’re prepared to make monthly payments and even put a down payment on a car. You’ve even got the perfect car picked out for your budgetary needs.
You’re still going to want to test drive it.
Test drives are an essential part of buying a new or used car. They not only determine whether something is wrong with the vehicle that might not have been mentioned online, but they help you see whether your love for that car was better in theory than it was in practice. Many times, people will love car reviews, the way it looks, and the way it supposedly drives without thinking about minor but very crucial things. For instance, will they be able to fit in the driver’s seat? Are there any blind spots because of your height? Is the interior hideous? Seeing it in-person might help dispel any sensationalism you might have about the car.
If you’re buying cars online, chances are you’re not dead-set on purchasing a specific vehicle. You likely have a list of Craigslist links, used cars you’ve favorited on secondhand sales apps, and bookmarks of used cars you’ve seen advertised in local ads. The reason you have so many vehicles saved? You’re looking for the right vehicle. One that is both a deal and something that you like.
At a buy here pay here car dealership, you’ll be able to look at a wide variety of cars that you might like and that are in your price range. The best part? You won’t have to look back through craigslist or your internet browsing history to compare. You’ll have all your choices right there in front of you.
Are you looking for a great used car at an affordable price? Start by applying for financing on our website. You’re not tied to any commitments until you sign ownership papers, and getting started on the financing process will help you know what we can offer you. Once you’ve applied and been approved for financing, browse our selection in-store at 1404 East Santa Fe Street in Olathe, Kansas. Don’t rely on the internet when you can get fast, friendly help at Auto Now in Olathe.
We’ve all heard horror stories about used car dealerships. The ones that slap a cheap coat of paint on a car and do a quick interior detail to make it look shiny and new. Buyers are lured in by the fresh car smell and the flashy looks and fall instantly in love, even though the car doesn’t have a buyer’s slip on it and that they forget to take it on a test drive. They drive the car off the lot, and a month later its engine goes out, leaving the buyer out thousands of dollars. The used car dealerships insist that they didn’t know about the issues, but they don’t offer to do anything about it even though the customer only had it for a month.
The fear of this happening to the average person is so virulent that this has become the go-to version of every used car dealer - the lemon salesman, the shark, and the rat. However, deals like this are few and far between for many reasons. More often than not, your local used car dealer is going to be your beacon to great deals because of their knowledge and ability to help you out. Legally, they have sales rules they must follow that benefit the customer, and it is in their best interest for the long-term success of the business to help out the customer. After all, their inventory is their livelihood.
While it is unlikely that you will purchase a used car from a dealership that doesn’t work out from you, there are signs that you are working with a trustworthy used car dealer, like Auto Now in Olathe. Whether you visit us or go somewhere else for your car needs, make sure that your car dealer follows these five trustworthy signs.
Most first-time buyers come to the shop with many questions. Even after reading the buyer’s slip and seeing what (if anything) is wrong with the car they are interested in, they will still want to make sure that they are getting their money’s worth. Any time you buy the vehicle, you should perform an inspection of it and test drive it. Turn the engine on, listen to it, check the fluids, check the interior, look for rust. If you see anything that is questionable, this would be an excellent time to bring it up to someone at the dealership.
If you do this and are met with resistance, or worse, if the dealership tries to dissuade you from test driving and/or performing an inspection of the car, these are signs you should turn and run. Salespeople at reputable car dealerships are trained to be trustworthy and loyal to all their customers, regardless of how many questions they ask. They will know that your questions are likely based on your preference and needs, and will make sure that you get the best car possible as you ask those questions.
NIADA stands for the National Independent Automobile Dealership Association. They are an organization committed to promoting transparency and safe car buying for customers who might be purchasing used cars. They boast that “every NIADA Certified Pre-Owned Vehicle comes with peace-of-mind and reliability.” To be NIADA certified, a car dealership must pass rigorous standard checks that are put in place with the customer in mind. While failure to have a NIADA certification doesn’t necessarily mean that an organization is terrible, having it is a good indication that you can trust a purchase from that car dealer.
Movie portrayals of salespeople often get this right about untrustworthy salespeople. Anyone who is adamant that you make a particular purchase, or even that you make a purchase the same day that you visit the car dealership, likely has their own motivations. A genuinely trustworthy dealership will walk you through the process without pressuring you to decide on the spot. At Auto Now in Olathe, Kansas, your approval for financing stays valid even if you don’t pick out a car the same day you come in to talk about your loan offer. That way, you’ll know how much we are willing to lend you, and you can keep an eye out for a car that you truly want.
Vehicle history is an integral part of car ownership. It gives you insight as to what to expect for repairs down the line, as well as giving you an idea of how much the car is worth based on the number of owners and accident history. Legally, used car dealerships are supposed to provide their customers with a vehicle history as well as a buyer’s sheet that shows what is wrong with the car before they sell it. Trustworthy car dealers will provide you with both these things because they want to be transparent. Failure to show these documents might mean that the seller is trying to make you pay more than what the car is worth.
Have you ever seen a little independent seller pop up, showcase five to ten vehicles, then go out of business a year later? The reason is that they did not put enough time and effort into the selection and sale of their cars, and they likely made a deal that didn’t sit well with a customer. A good buy here pay here lot will have the financial ability to pay for an array of quality cars so that their customers have an excellent selection to choose from. This is just one more indication that the car dealership has your best interests in mind rather than their own.
For a car dealership that hits all five of these signs, take a trip to 1404 East Santa Fe Street in Olathe, Kansas to meet with our salespeople and take a look at our diverse inventory. If you need financial assistance, we assure you that everyone who applies for financing is accepted regardless of credit. Call us today at (913) 764-8989 for more information.
Used car financing is tough because it’s not advertised like or talked about as much as new car financing. Big car companies leverage platforms like television ads to spark your attention and grab you. However, small companies like buy here pay here dealerships don’t always have the tools to advertise during prime time like nationwide car companies do. The result of not having as significant a presence in everyday life as new car ads is that a lot of misinformation is spread regarding buy here pay here dealerships.
Used car financing is a straightforward concept. It only requires a little explanation in exchange for great benefits. Let Auto Now in Independence, Missouri, run through the process of financing a used car so you can see if working with a buy here pay here dealership might be right for you.
Most buy here pay here dealerships have online applications. These applications ask you basic information about your spending habits and your income. Additionally, they might ask for proof of income (like W2s, direct deposit slips, or tax return information) and references. Although each buy here pay here dealership is different, most will not require you to run a credit check. They will likely still have approval terms, however. The conditions at Auto Now in Independence include meeting age, income, and licensure requirements.
You might be reading this wondering how income verification is any different than credit approval. Credit approval requires making an inquiry to credit agencies about your credit score. This process usually takes a day or two and is extremely invasive - showing your payment records, number of existing loans, and how many previous credit checks you have had in the past seven years. Although this is meant to show your overall trustworthiness when it comes to your ability to repay a loan, it often neglects to take into account student loans, your successful payment history, and other personal accounts. In other words - it doesn’t show that you can’t pay back a loan, it just indicates certain things about your credit accounts.
Income verification looks at how much you make each month and compares it with your monthly costs, and it is the method that most buy here pay here dealerships use to determine lending amounts. This not only gives buy here pay here dealerships a better idea of how much you can afford to pay each month, but it also helps you understand, as well.
Buy here pay here car shopping is a little different than purchasing a new car and even different than buying a vehicle from a private seller. First, you do not have the full amount of the car upfront to purchase it, nor do you have to seek outside funding to buy the car. These establishments will work with you to provide a loan without you having to go to a bank and achieve the amount from a traditional loan. The payoff time is also a lot shorter than typical new car loans, which can span as many as fifteen years.
Finally, one thing to recognize with buy here pay here lots is that the method of purchase will be much different than new car purchase or purchase from a private seller. Rather than picking out the exact car you want beforehand, you will apply for financing first. Then, a verified and knowledgeable salesperson will help you make a reliable and affordable choice from the cars on the lots. In almost all instances, people drive away with a vehicle they are genuinely passionate about. However, for those who aren’t sold on their first visit, it is always possible to hold out for a car you like without having to reapply for financing.
Everyone has their reasons for buying used, but here are some of the biggest reasons we hear about from our Independence, Missouri customers.
Now that you understand the used car financing stop on by Auto Now of Independence. We are located on 10500 U.S. Rte. 24, our lot has one of the biggest selections of used cars in the greater Independence and Kansas City area. For more information, call us at (816) 833-6900 or visit our website for more details.
Many of us have been there. Our old, faithful car unexpectedly dies out and leaves us stranded with appointments and jobs to get to. The time comes when we have to decide - do we try and make do without our car, make a big fix, take our chances buying a car with the little savings we have, or apply for financing with a bank or car dealership? Quite a few people skip the last option out of the fear that they will be denied credit, and that the credit inquiry will impact their overall score. However, far more people take the gamble and end up wasting their money on junkers they find from private sellers online.
If you knew that there was a way to navigate these problems, would you try and avoid them altogether? If you answered yes to that question, then you should consider getting your next car from a buy here pay here lot. Not only are buy here pay here cars usually backed by warranties, but it is possible to get financing from these places regardless of your credit history. Auto Now of Independence is one of those places that offers financing options to customers who might have felt hopeless about their credit and car situations.
To realize why the credit system is so rough on some people, as well as to understand how we can offer on-the-lot financing to our customers, let’s take a closer look at credit and what makes up a credit score.
So, you’ve figured out that you need to rebuild your credit to get a car. How do you go about doing that? Here are some of the more common ways:
In short, you can’t rebuild your credit overnight, which spells issues for those who need cash or a car fast. We’ll get into how on-the-lot financing can help your credit score relatively quickly, but for now, there’s one thing we want you to take away from this - you don’t need to have good credit to get a reliable used car. You can get on-the-lot auto financing regardless of your credit history.
Get the car you need today by applying for on-the-lot financing through a reputable dealership like Auto Now of Independence. The financing process is quick and easy. First, you do a little research on the types of cars you like. Be open during this process, as a used car dealership might not have everything you’re looking for. Next, apply online - all you’ll need is your driver’s license and a little bit of information about your income. When you’re approved, you’ll meet with a representative at Auto Now of Independence. They’ll help you pick out a car based on the amount you’ve been approved for, and then you’ll sign papers toward your ownership. Finally, you’ll drive away and make payments until you own the car outright. It’s that simple.
As well as helping you find a reliable used car within your budget, buying a car from a buy here pay here dealership also enables you to rebuild your credit relatively quickly. Buy here pay here car payments are designed for the borrower to make the largest comfortable monthly payments to pay off the car in the quickest amount of time. This helps car owners get that much closer to outright ownership, save on interest rates, as well as rebuilding their credit quickly. Each on-time payment is reported to major credit bureaus, increasing your creditworthiness in a short period.
Let us help you with financing for your next car. Call Auto Now of Independence at (816) 833-6900 or visit our website to find out more about our store and vehicles.
Buying cars used is a great opportunity. It provides people with credit issues the ability to afford a car and work on their credit. It lets car enthusiasts buy older models of vehicles and fix them and modify them as they desire without having to spend an arm and a leg. For anyone, it usually means saving on monthly car expenses - including gas, car payments, insurance, and yearly registration. However, that does not mean that car buying comes without its issues. Most of us aren’t car experts, which means that if you’re looking at a used car, you might not know if you’re getting a good deal.
Although it is not always an indicator of a car’s overall health, mileage can be an indicator of how hard its previous owner used a vehicle. A vehicle over 15 years old that only has 100,000 miles on it was probably well-maintained and used lightly by its owner. A newer car, one manufactured within the past 5-7 years that has over 100,000 miles on it was likely used for travel and might have had previous engine, tire, and other repairs recently as well as more wear to the car overall. This also indicates it could have had more than one owner in that short period.
Tire health can also be indicative of how a car is running. Although some tire wear is to be expected as the tires get old, inconsistent wear could be signs of other problems like alignment, brake, and undercarriage issues. These issues can be much more expensive to repair than simply replacing the tires, so if you see any wear be sure to ask the seller about it.
Though not always a huge issue, sometimes broken or cracked windshields and windows can be more of a hassle than they’re worth. For instance, some states require windows to be clear and uncracked to pass them for inspection. If you were thinking about purchasing a used Bronco II with one of its famous rear windows cracked, that would likely have to be replaced to pass inspection. However, the replacement of those back windows is so specialized that it often costs more than the purchase of the Bronco II itself to fix. In instances like these, it’s best to avoid cracked or broken windows unless the deal is too good to be true. They are safety issues until they get fixed, regardless, and it is best not to risk the safety of yourself or any of your passengers.
Do a walkaround of whatever vehicle you are interested in. Note any dings in the paint, bumps or grooves in the metal, or patches of the exterior or undercarriage which are missing. Point these out to the seller before your test ride not only to ensure that they know they are there before you become liable for any damages but also to find out more about the history of a car. A small ding could be a remnant from a big accident.
Lights and mirrors are one of those safety features you don’t want to go without. To test lights, take the car to a parking garage or drive the car closer to the end of the day. You’ll want to make sure that both lights work, the high beams work, and all brake lights work. Additionally, check your mirrors. Do they work properly, and do they clearly show you what is behind you? If these things don’t work, they are strong negotiation points.
Although the interior is mostly related to preference, there are quite a few components you don’t want to be without when it comes to your car’s interior. Make sure that the seat belts work. Sit in each seat and make sure that your passengers are comfortable and safe. Note anything that might indicate smoking (such as yellow stains) and any dirt that might mean the interior was not well cared for. These things matter.
Even if you know nothing about the car, pop open the hood, start it, and listen to the engine. You’ll be able to tell if the engine runs harshly or is making any strange noises. Once the car has run for a little bit, shut it off and check the oil. Make sure the oil looks clean -- this will indicate that the seller has serviced it recently, and probably regularly.
Take the car for a test drive, preferably with someone. Have your guest sit in the middle in the backseat and give you an update on how the shocks handle in the back. You pay attention to the way the car handles in the front, and pay special attention to the brakes. Experiment with short and fast stopping, as well as breaking with the wheel turned. Note whether it is touchy, takes a lot to come to a stop, vibrates, or makes any noises. Bring any concerns up to the seller.
Although rust cannot be helped in certain parts of the country, not taking care of it can. If a car has noticeable patches of rust it should be avoided - this means that rust damage is probably extensive and will require quite a bit of sanding and repainting to maintain.
Although not necessary, a warranty (especially from a used car lot) is a great way to assure that you are getting your money’s worth and that you will be covered in case anything goes wrong.
If you’re planning on buying used from a private seller, our best advice is this - if you have any questions about the roadworthiness of a car, take it to a trusted mechanic or someone who knows cars. However, you can avoid this step entirely if you purchase a used car from a reliable buy here pay here auto dealership like Auto Now of Belton. Auto Now in Belton, Missouri, provides our customers with in-house financing as well as pre-inspected, road-worthy cars with 24-month warranties. If you’re interested in purchasing from us, fill out an online application and wait for one of our representatives to get back to you. You won’t be dissatisfied with our products - it’s our guarantee.
Sometimes, credit issues can’t be helped. The credit industry is designed to make life easier for lenders and their businesses, and in theory, it was meant to help out the customer. It meant less risk for lending businesses, and it was supposed to mean that potential borrowers had an easier time obtaining a loan. However, as the credit industry has grown and evolved, this has meant that more and more credit customers have had a rough time trying to obtain credit.
Excellent credit scores are few and far between. Nearly 80% of Americans have a less than excellent credit score, meaning that in the eyes of credit agencies, almost 80% of Americans have something on their credit reports that make credit agencies raise an eyebrow at their spending habits. The “worthiness” of a person’s credit is often a lot more ambiguous than they would like to think, as well. For those who don’t have excellent rates, this can translate to higher interest rates on credit cards, fewer loan opportunities, and delays in financial applications. For those with credit scores of less than 650, this can be disastrous, and finding funding for smaller purchases like cars can be a nightmare.
If you have credit issues and are in the market for a new car, there are steps you can take to ensure that you aren’t left feeling hopeless at the end of the day. Here are five essential tips when buying a used car with poor credit.
Don’t just go to your bank and settle on whatever loan option they give you. The first thing to do before seeking out a loan to buy anything, including a used car, is to read the fine print on more than one deal. Interest rates will likely be steep if you have a credit score below 680. For those with credit scores lower than that, you can expect to pay more than 15%. Unfortunately for those with very low scores, interest rates can be as high as 30%, though these interest rates are usually very uncommon, as banks would rather not lend to you.
For a credit score between 679 and 640, you can expect to pay anywhere between 17% and 19%. Those with scores between 639 and 300 can expect to pay between 28% and 30%. Most lenders have online tools that help you calculate your potential interest, and it is worth it to check your credit score with a free online tool like Credit Karma before applying for loans. Use your known credit score to determine whether the rate is fair based on your credit score.
Despite what you might hear, interest rates are often very competitive at buy here pay here car dealerships, especially if your credit history is a little less marred than you might think it is. And while some lenders will flat-out deny those with lower credit scores the opportunity to borrow from them, buy here pay here car dealerships will never turn a customer away because of their credit score.
Buy here pay here car dealerships look at your average monthly income instead of your credit score. Their applications, which often can be filled out from the comfort of your own home, look closely at how much you spend per month on bills as well as how much you make from your job. Using this information, they put together a lending amount that is meant to give you some wiggle room in terms of the type of car you ultimately purchase while making sure you don’t go over your budget. Additionally, paying off your vehicle through a buy here pay here dealership will help you rebuild your credit for future purchases.
Working on your credit as much as you can before applying for financing is a great way to lower interest rates on potential loans as well as opening up funding opportunities. One popular and fairly easy way you can start to work on rebuilding your credit is to make sure that you are making payments on time. Pay off any outstanding balances on monthly bills and consider making extra payments toward your credit accounts. If you can go without a car for a little while to do this, this might be your best bet to save you down the line. Also, remember that using more than 30% of your credit allowance on cards counts negatively against you, so paying to lower your credit card balances will help substantially.
Sometimes, saving and purchasing a new car means taking a hard look at your life. Determine what kind of car you need. For instance, if you want a truck, consider how you’d use it. Do you own a farm where it would make fiscal and common sense for you to have a truck? Or, do you work at an office job, live in town, and only get out to the country a few times a year? If it makes more sense for you to get a car that might not be your first choice, do a little research on vehicles that make sense for you. It might turn out you actually like cars that could save you a little money and help you repay your debts.
Finally, one thing to keep in mind is that whether you buy a car from a used car dealer or manage to get funding through a new car dealership, your interest rate will probably be higher than other people buying the same car. Although there’s no shame in this, it is in your best interest in these cases to make as big a down payment as you possibly can on your car. It will mean you spend less in interest, as well as getting you that much closer to ownership.
For the best used cars in town for those with low or no credit, visit Auto Now in Belton, Missouri. Apply for financing online now, or call us at (816) 331-2100.
If you’re reading this and are on the way to get your first in-house auto loan, congratulations! In-house loans have many benefits, and we’re sure you’re already aware of some of them. They’re great for those with past credit issues, those who need a car quickly, and those who want to streamline their auto purchase process. But the traditional lending process - where you approach a creditor for help with financing, can be hard to understand despite their popularity and relatively good advertisements. In-house auto loans are not as well advertised, and therefore, the process might seem obtuse or out of reach.
If you’re applying for in-house financing, Auto Now wants to assure you that the process is not as hard as traditional lending. We’re here to walk you through it so that you feel confident taking the first steps toward owning your car with the help of a buy here pay here dealership.
Application processes are easy at buy here pay here car lots, and usually can be done from your own home. In fact, many dealers suggest working from home on these applications, that way if you find you need a little more time to get information, you don’t end up having to make a trip back to the dealership to retrieve that information.
The application process begins by laying out the guidelines for lending. From there, the application will ask you financial questions, including questions about your monthly expenses. Depending on the dealership, they may also ask you for personal references to verify that the financial information you provided is correct. Once the application is completed, all you have to do is wait to hear back from the buy here pay here company.
The reason so many people have issues getting approved for traditional loans is because regular loan approval is contingent on credit health. For those with previous credit issues, applying for loans through banks and other lenders can be exhausting, filled with days spent at the bank only to be denied funding. On top of that, each time you apply for a loan through one of these sorts of lenders, you must get your credit checked. A credit check does impact your credit score, so if you have credit issues applying for credit in one of these ways can further hurt your credit score.
Approval for an in-house auto loan at a buy here pay here dealership is rarely contingent on credit history. At Auto Now of 79th and Wornall, you will never be turned away because of your credit history. The only checkmarks you must meet to be approved for funding are that you are eighteen years of age, have a valid driver’s license, and make more than $1200 each month (after taxes). If you meet these, you will be approved for funding.
After approval, you will meet with a representative at the buy here pay here lot to go over your in-house auto loan amount. The amount you are approved for will determine which cars on the lot you can purchase, so this meeting is extremely informative and necessary. A representative will then show you the vehicles on the lot that fit with your needs as well as the loan amount they are willing to provide to you.
It is not necessary that you drive away with a car the same day you are approved for funding. The approval will stay, and you can keep an eye on the ever-changing inventory until you find a car that you like. However, if you see a car you want the same day you are approved for financing, it is possible to drive away with a new car that same day.
Signing ownership papers is reminiscent of any other car financing experience. The papers you sign will show that you are paying off the loan toward full ownership of the car. However, the title will still belong to the buy here pay here company until the loan amount is paid in full. Other than that, you are free to take the paperwork to your local DMV and register the car in your name! It’s yours.
Loan terms at buy here pay here lots are almost always shorter than loans at new car dealerships. As well as being cheaper than new cars, monthly payments are designed so that you pay off the highest comfortable amount over the lowest period. Associates will always refer to your monthly financial obligations and income to find a payment amount that is right for you. In the end, you’ll end up paying far less than you would with a traditional loan because interest will be much less.
After the car is paid off in full (usually no more than a couple of years), it is entirely yours to sell, trade-in, or scrap as you please! The title will be signed over to you once payment is complete. Reputable dealerships like Auto Now of 79th and Wornall offer warranties on their used cars, which means that the vehicles you purchase should last and be reliable far beyond when you pay off their loans. Additionally, you can often get competitive trade-in prices for your vehicle if you bring it back to where you purchased it. The possibilities are endless with buy here pay here cars.
At Auto Now on 79th and Wornall in Kansas City, we’re confident that you’ll be able to make savvy car purchase decisions after working with our talented employees. Click here to start filling out an application for an in-house auto loan from the comfort of your own home. Once you are approved, someone from our 79th and Wornall location will get in touch with you. Alternately, call our store at (816) 333-6000 to schedule an appointment and get started on your next car purchase. We look forward to helping more residents in the Kansas City metro area obtain the transportation options they need.
Wichita, Kansas residents are no stranger to used car sales in their state. Their tax on car sales is the second highest in the nation, partially because they know how many people from neighboring states come into their state to make purchases and seek to improve their state through those sales. But owning a car in Kansas is not as expensive as you might think. The average Kansas resident pays nearly $200 less than other Americans in the cost of gas. Buying used saves even more money on registration, taxes, and additional associated fees.
If you live somewhere nearby Wichita and are mulling over the idea of purchasing a car, getting a used car from a buy here pay here dealership like Auto Now of Wichita could be your best bet. Are you not sold on the idea? Here are some reasons why it’s a great idea to consider a buy here pay here car for your next Kansas car purchase.
Applying for a loan or any sort of financial aid is tiresome. For typical auto loan applications, the process looks a little like this: you find a car that you’d like to get a loan on. From there, you find a bank or a credit union (or an online lender) that you believe you can trust and you fill out a borrower’s application on their website or in-branch. Next, you’ll meet with a loan officer who will make sure that you meet initial requirements. You’ll leave the branch feeling like you are close to getting the money you need to purchase the car that you want. But then, you’ll wait. You’ll wait for days to hear back about the status of your loan, and if you are approved, you will wait even longer for the disbursement of funds.
If you’re not approved, the process is even more tiresome. You’ll have to go through it a few more times, and each credit inquiry makes a dent on your credit score. If you know that you will have issues getting a loan the traditional way, or if you don’t have the time to wait for fund disbursement, getting a buy here pay here car will save you time and still get you on the road in a reliable vehicle.
We’ve already discussed how owning a car in Kansas is cheaper, and you probably already understand that buying a used car is less expensive than buying a new car. However, buying a used car from a buy here pay here dealership can save you even more money than buying a used car from a private seller. Auto loans are designed to have the borrower take out a large sum and pay it back over an extended period. The result of this action is that the borrower ends up paying the lender much more than the borrower intended initially -- in the form of interest.
Financing through buy here pay here dealerships is designed so that the borrower can take out as little as possible while also paying as little interest as possible over the long term. The lender helps the borrower finance on a payment schedule that works for them while also ensuring that the amount of the loan is paid back quickly. Therefore, you not only save money on a quality car that shouldn’t need any major fixes, but you also save money in the long run.
There are many headaches associated with traditional borrowing. The aforementioned loan application process and interest rates aside, it’s hard to navigate all the terminology related to loans. For borrowing applications like mortgages, online glossaries exist to help wade through the colossal decisions that must be made, but there are rarely any loan officers that make themselves available to you to help you with your application.
The buy here pay here process centers around accessibility for those applying. Representatives of the dealership will walk you through the borrowing process, explaining any unclear terms to you as you go. If you’re denied funding, a salesperson will help you understand why rather than leaving you out to dry. Additionally, our forms are laid out clearly and with your best interests in mind, so you know in plain terms whether or not you will receive funding for a car from one of our lots.
A frustrating part about credit issues is that to rebuild your credit quickly you must take out other lines of credit -- merely making on-time payments won’t cut it. Unfortunately, it is tough to take out lines of credit if you have credit issues. The way the traditional credit system is set up, it is like credit bureaus don’t want you to rebuild your credit.
Luckily, there are loopholes around this. One of the best loopholes? Financing a buy here pay here car. Even if you’re not in the market for a new car, you can make a trade-in on your working vehicle and get a new-to-you car that will help you rebuild your credit. All payments made on your buy here pay here car purchase are reported to Equifax, Experian, and the other major credit bureaus. This increases your credit score while helping you score a sweet new ride.
Finally, if you’re worried about buying a used car in Kansas from a private seller, it would be in your best interest to work with a car salesperson who knows what they are talking about. Auto Now of Wichita is one of several reputable buy here pay here car dealership locations that are well-equipped with knowledgeable auto salespeople who can guide you toward a good car purchase.
For the best used cars in the greater Wichita area, visit Auto Now’s Wichita location on 1660 South Seneca Street. Whether you are looking to save a little time, money, effort, or you’re hoping to rebuild your credit, our used cars are the best in the state and our salespeople know how to help you with your car needs. Fill out an online application today and let us show you the difference we can make in your search for a new car.
Do you remember the first time you bought something on your own when you were a child? It gave an exhilarating sense of freedom, being able to buy something that you didn’t rely on your parents for. As a young adult, this exhilaration is amplified upon receiving your license. However, nothing tops the excitement and sense of freedom you receive when you purchase your first car.
Unfortunately for many, this excitement fades when you are confronted with the reality of car buying. For many, getting their first car involves months of saving only to be met with an old junker that requires tons of maintenance. You can keep your spirits up after your purchase when you spend your money on a reliable buy here pay here car from a company like Auto Now of Wichita, Kansas.
Statistics show that an overwhelming number of first-time drivers succumb to accidents. Despite what worried parents would have you think, the majority of these accidents are not fatal but are instead caused by distracted driving, insecure driving, or even just a lack of road readiness. This goes for any driver between the age of 15-20. Accidents happen, and while your insurance company considers this, many young drivers looking for their first brand new car do not.
There are likely to be unaccounted for scratches, dings, and other mechanical issues when it comes to your first car. For this reason, buying a new car is not advisable, primarily if you’ve never driven on your own before. But we also don’t recommend buying a used car from a private seller. It is easy for private sellers to take advantage of those who may not have experience with cars. Buying from a reputable buy here pay here dealership can give you the confidence you need as a first-time buyer to know that you are making the right decision and that you are getting a used car that will work well for you.
If your search for a quality used vehicle has left your head spinning, you’re not alone. It can be very stressful to find a used car that fits your needs and budget. Buy here pay here dealerships have a wide variety of used vehicles that meet with the budgetary needs of most first-time car shoppers. From newer cars to older models, you’ll find something that works for you without having to worry about its reliability.
Paying $3000 for a reliable car up front, plus all the associated taxes, fees, and otherwise might not seem feasible for someone making less than $2000 a month as an 18-year-old fresh out of high school. However, making a down payment of $500 plus monthly payments of $250 for the next few years is a lot more considerable for someone on a meager income. You can’t usually make payments on a used car you find online, but you can make payments on a buy here pay here car. Often, these payments work with your income, and you can choose to pay more when you can and save in the long run.
Let’s face it. If you’ve never owned a car before this, the chances are likely that you either are tight on money or this is your first car, and you are on a strict budget. The two scenarios go hand in hand. So, you probably want to save a bit of money in the car buying process. Buying used is a great way to do that -- especially when you can buy used from a reputable source like Auto Now of Wichita and save money on future repairs. However, an equally great way to save money is purchasing a used car for insurance and tax breaks.
Used cars are notoriously cheaper than new vehicles when it comes to insuring, registering, and paying taxes. You pay taxes for most car purchases at dealerships up front, which can lead to a nasty surprise when it comes time to make your payment. On top of that initial payment, you can’t forget making your yearly registration payment and your insurance payments. While you might think that getting a newer vehicle will save you -- especially when it comes to paying for repairs up front, many forget that other costs will make up for that difference. Buying a quality used car with a warranty will not only prevent unnecessary repair costs, but it will save on those often forgotten about costs.
As a first-time car buyer, you might not have established credit. Credit scores come after years’ worth of paying off loans, credit cards, and other lines of credit. If you’re going into college, you can probably remember how hard it was to take out a personal loan to take care of the remainder of what you owed on your tuition. Without a credit history, you need a cosigner to sign off on the loans for you. If your parents have a rough credit history, you might have also had credit issues getting a cosigner for the loans you needed. The same goes for auto loans through traditional means -- without a credit history, it is nearly impossible to take out the loans you need.
Navigating personal loans can be tough. This is why it is good to buy your first used car through a buy here pay here car dealership like Auto Now of Wichita. We walk you through applying for credit, and the credit we give you toward a car on our lot is based on your income, never on your credit score. When you get a vehicle and make payments toward it, these payments are reported to major credit bureaus, which kickstarts a strong credit history.
Are you ready to make your first big purchase and become the owner of a new-to-you car? Consider Auto Now of Wichita as your one-stop-shop for all your car buying needs. We finance your new car, walk you through the application process, and help you find a great used car all in one location. Wichita, Kansas car buyers can stop by one of our sites, or contact us today for more information.
SUVs are arguably the most popular type of car in the United States. Applauded for their safety, affordability, and relative gas saving capabilities compared to trucks, a recent survey showed that almost all of the top 10 cars in America last year were a truck or an SUV. Despite being much more affordable than a new truck, SUVs are still out of the price range of many Americans. The average new SUV costs about $35,000, whereas the average new sedan costs just over $25,000. This price jumped 2% from 2017 to 2018, according to Kelley Blue Book. This leaves many disheartened by the idea that they might never get the chance to own an SUV in their lifetime.
Luckily, owning an SUV is not as difficult as the average price might suggest. Especially if you purchase a used SUV through a trustworthy buy here pay here dealership like Auto Now of Wichita, you can save time and money on the process and end up with an SUV that is just as good as any that you might get from a factory dealership.
Buy here pay here financing is a type of financial assistance that comes directly from the dealership. As the name implies, it implies that you receive financial aid at the dealership you are hoping to work with rather than having to seek financial assistance from outside sources. We’ll speak more about what the financial process looks like later, but typically a person hoping to buy a car from a buy here pay here dealership needs only to visit the dealership’s website (or the dealership in person), apply for financial assistance, and then be granted that assistance. In essence, it is a one-stop shop.
Other financial options require multiple stops and invasive techniques to help investors understand just how much investors can give to potential borrowers. When you apply for a bank loan, the process usually looks like this: you go into the banking institution, you work with a loan officer, and they inquire about your income, and you fill out an application together. Alternately, some banking branches allow customers to fill out forms online. Regardless of the application process itself, filling out, getting approved, and eventually getting the funds needed to purchase a car is a long-reaching process.
In the meantime, not all cars wait. Especially for those hoping to buy a specific vehicle from a private seller, the time it takes to get the funds from a private loan can often lead to people to miss out on getting the cars that they want. Cars get bought out from under them, leaving them with the need to find another vehicle quickly (usually a car that they don’t want!)
Fortunately, buy here pay here financing options, especially those at Auto Now of Wichita, are much more straightforward. The difference between this sort of financing and conventional bank financing is that the process of applying for funding is different. Instead of researching the cars you want, you instead research which buy here pay here car lot you are interested in purchasing from. From there, you fill out an application. Most buy here pay here car dealerships have an online form you can fill out to save yourself time. By filling out the application at home, you assure yourself that you have time to get all the necessary materials -- such as proof of income or any reference information you might need.
Once your application is filled out, you then meet with a representative at the buy here pay here car dealership. They will go over how much you were approved for and will clarify any unfamiliar terms or issues with your application. From there, they will help you pick a vehicle from their inventory that meets your standards and your budget. Once you find the car on the lot that works for you, you sign off on ownership papers and can drive away with your new car!
Don’t see anything that strikes your fancy? Don’t worry. We will keep your application on file and can let you know if the particular type of car that you are looking for reaches our inventory. If your income changes between then and now, let us know! We might be able to increase your borrowing limit.
One of the best parts of buy here pay here financing is that there are not that many limits on who may take out an in-house loan. Unlike banks and other financial institutions, your ability to borrow money is not dependent on your credit score. We lend to everyone, regardless of credit history, and we will continue to make access to reliable cars easy for everyone.
Each buy here pay here establishment will have their own rules for borrowing, so be sure to discuss those with the establishment before getting too far into the application process. For Auto Now of Wichita, those limitations include:
Other than these restrictions, the sky is the limit when it comes to applying. Most buy here pay here car lots are more than willing to help you get the car that you need regardless of your time constraints and/or credit history. Additionally, buying an SUV from a buy here pay here establishment is easy-- because of their popularity among United States drivers, there are almost always SUVs in stock at any buy here pay here lot you might visit.
Don’t let the soaring prices of new SUVs get you down. Consider buying your next SUV from Auto Now of Wichita. We serve the greater Wichita, Kansas metro area and have NIADA certification, so you can be sure about the SUV you purchase. Contact us today for more information about how we can help you get the SUV you’ve always wanted for a fraction of the cost.
Okay, we get it. The sun is out, the weather is warm, and the last thing you want to be thinking about is a chore like purchasing a new car. The thing is when it comes to getting a car, there’s no better time to get started on your purchase than in the summer. Perhaps you have lingering feelings about why you might need a new car that might be made clear by the summer weather, or maybe you’re drawn in by the deals. Either way, summer car sales events are some of the best ways to get the car you’ve been looking for.
The secret behind getting excited by summer car buying is to think about the reasons why it might be a good time to sell your car. The average person doesn’t think about car sales, but by putting yourself in the mind of a car salesperson, you will be able to see precisely why summer is a great time to buy a used car. If you’re on the fence, analyze these reasons why the folks at Auto Now of Wichita consider summer to be the best time to make sales.
Auto Now of Wichita is ready to get you started on summer savings with our great selection of used cars at affordable prices. We finance in-house to anyone, regardless of credit, and we make sure that the process is as safe and straightforward as can be. Greater Wichita, Kansas area customers can stop by our location on South Seneca Street, or contact us for further information.
Summer and car sales don’t go hand in hand for many people, but they should. Summer is one of the best times to buy a car. There are several factors behind this, but the biggest one includes timing. First of all, most people don’t want to spend their days searching for a new car. They’d rather spend it at the beach, outside somewhere, traveling, or in an air-conditioned room doing whatever makes them happiest. This lessens the numbers of people coming in to talk to someone about a new car. You head to any car dealership between now and the end of summer, and you’ll likely get some of the best services anywhere in town because they’ll actually have a customer to talk to.
Then, there comes the inventory. Because of a statistical lull in service, there are more likely to be great summer sales, which offer people the chance to save big. And if you’re looking for a specific type of car, especially at a used car lot, it is especially worth your time to get started with your purchase now. Start at a buy here pay here lot like Auto Now of Topeka, Kansas and avoid the winter car buying rush. You’ll thank yourself later.
Summer is supposed to be fun, right? It’s hard to get excited by a necessary duty like car buying. But you can trick yourself into making your next car purchase part of a fun summertime routine. Why not amp up your ability to have fun (and safe) by saving money on one of these affordable but fun cars?
Ford Mustang. The Ford Mustang is often seen as the most affordable American muscle cars. Lauded for its ability to perform well while still offering plenty of cargo room, this little car usually sells for under $5,000 used. If you’re looking for something to zip around on country roads in, but still have something reliable to get you to and from work, this is the car for you.
If you’re just sitting around the couch reading this and don’t have anything else planned for your summer day, follow these instructions. Close the lid of your laptop, hop on public transport, and come on down to Auto Now of Topeka on 116 Southeast 29th Street. We’ve got air conditioning, good deals, and the chance to get a fun, safe, and affordable car to make the rest of your summer more enjoyable.
The worth of the average American household is on the rise, but so are bills. As of last year, the median household income before taxes was $75,664. This is also assuming that the median household income includes two salaries, or at least two different people, at home. When you think about it, even with the average wage, making $500 payments a month on top of all the other necessary bills seems costly. Yet, the average American is paying nearly $550 a month in car payments.
If you’re feeling stuck, consider getting out of your high payments while you can and getting into a more affordable one. Purchasing a used car at Auto Now of Topeka, Kansas is a great way to grab an affordable vehicle that fits your personality and daily needs while paying an affordable price.
You’re not stuck with your expensive car -- there are ways out of having to pay for the whole thing. The first step is understanding exactly how much you owe on your high-payment auto loan before you give it back to the dealer. You’re not out of the payment zone just by returning the car to the dealer. The car dealer will have to resell it, and it will likely not sell for as much as it did before.
In this case, imagine that you put a down payment on a new car that costs $35,000. Your down payment is in the amount of $5,000, and over six months of $550 payments, you realize this isn’t going to work. So, you bring the car back to the dealer with the intent of returning it. In total, you’ve paid $8,300 toward the initial loan you took out -- $5,000 for the down payment and six monthly payments of $550. Later, the dealer sells the car for $25,000, which is nearly $10,000 less than the price he sold it to you for six months earlier. This usually means that you still owe $1700 on that car.
But the fear of lingering payments after returning your car shouldn’t deflect from the fact that you’re paying too much monthly, to begin with. Consider your options, and especially consider swapping out your new car for a quality used car from Auto Now of Topeka.
Usually, people buy new cars to avoid breakdown issues. Such issues are common among used vehicles purchased from a private seller but are not common when purchased used from a reputable used car dealer. Buy here pay here dealerships offer the same perks as a dealer, including financing, warranties, and clean, reliable cars. The cars they offer are just at half the price, saving you hundreds of dollars each month on car payments. Buy here pay here dealerships like Auto Now of Topeka will assist you in making a purchase that better suits your budget, allowing you to save for necessary things like health insurance and life insurance as well as leaving you room to save money.
While we wish that we could help everyone who comes to our dealerships, we do have restrictions. Restrictions are in place for your safety and ours. We want to ensure that you will be able to make payments on your car comfortably and that you are, in fact, ready to use your vehicle. For this reason, we require applicants to have a valid driver’s license, be 18 years of age or older, and have a monthly salary of $1200 after taxes. If you meet these requirements, which is likely if you already have a higher car payment, we believe that we can help you.
Our customers commonly cite our ease of application, low prices, and willingness to help as being some of the most significant perks of working with a buy here pay here dealership. But we believe that there are even more perks to getting a buy here pay here car, especially in Topeka.
Auto Now of Topeka is NIADA certified and committed to bringing Kansas and Missouri residents quality used vehicles. We’re a trusted institution in both states, and many of our customers are repeat customers. If you live in Topeka, get to know us by stopping by our location on 116 SE 29th Street. We’ll help you fill out an application for financing and help you see how much you can save on your monthly car payments by switching to a buy here pay here car.
The struggle to keep your credit score good or higher is real, and no one should feel as though they are alone if they have credit problems. Credit issues are so common that thousands of self-help books and websites exist to try and get people to understand and overcome their credit problems. A cynical way of looking at it -- if there weren’t a national credit problem, there would be no way for anyone to make money off fixing those problems. The United States government even has a website that not only lists common credit problems but ways to fix them.
So, you can take comfort in knowing that you’re not alone in your credit issues, but that doesn’t fix the fact that your credit score is impacting your ability to take out lines of credit, get a mortgage, or get a new car. Luckily, there are car financing options that work for those with less than perfect credit. Purchasing a vehicle from a buy here pay here lot is a great way to rebuild your credit and save money all while gaining a car from the deal. However, if you have credit issues, it is best to buy an affordable car as a first option. This will ensure that you don’t end up biting off more than you can chew. Here are our top three pics in each category for cars for people with less than perfect credit.
Auto Now of Olathe is the premier used car dealer in the United States. With thousands of cars in our inventory across Kansas and Missouri, we can help you find the best used car based on your credit and financial needs. For more information, stop by our Olathe location on 1404 East Santa Fe Street. We’ll help you get started on your vehicle needs.
Auto Now of Olathe is home to hundreds of cars, and we put our money behind all of them in terms of their ability to get you from here to there. However, one of the things that we are consistently asked about is whether we have anything on the lot that is good for those with a budget. The answer -- yes, but with stipulations.
It is crucial for those on a budget to remember that there are other costs associated with getting a car that extend beyond just the purchase itself. A brand new car with low miles on it will likely have fewer up-front fixes, but insurance, taxes, and registration fees also play a factor in the overall cost of a car. Buying a brand new car will result in high insurance rates, high sales tax, and a massive registration fee. Additionally, unless you are purchasing a fuel-efficient vehicle, this will not factor gas into the equation.
Opting for a quality used car is one of the best ways that a person on a budget can help themselves save money over the long run. Below are our picks for the top five best cars for those on a budget. They are chosen with the big picture in mind, as well as reliability and overall cost. Additionally, they are cars that are so popular that there is likely always to be at least one of them in stock. So, take a look at these five cars and then consider heading over to our Olathe location to learn more.
It’s hard to mistake a ford focus on the road. Although they are just like any other sedan -- with a five-person capacity, large trunk, and reasonably conservative looks, they have their own distinct style to them.
Ford Focuses make our list because they are relatively easy to fix if they do break down, but they generally do not! Additionally, they provide plenty of room for children and other passengers without compromising on the gas mileage. For a first sedan, or for someone who wants a wholly reliable and affordable car, a Focus is a great way to go.
Toyotas are well-renowned for their reliability, and the king of security among their cars is easily the Camry. Fifteen years after the release of the 1995 Camry, a whopping 95% of the vehicles were still in driveable condition. There aren’t many cars which can boast the same standards, which is why we would be remiss if we forgot to mention it.
Consumer Reports repeatedly list Camrys as having “predictable handling” as well as being roomy and quick. Older models -- where bargain hunters are likely to find the best deals -- are not the prettiest looking cars, but they offer comfort and a fun drive for a fraction of the cost of bigger or zippier cars. Coupled with their tendency to age well with proper maintenance, this car can be a long-term driver without having to worry about constant repairs due to age.
Almost as popular as the Camry, older versions of the Honda Civic come in as one of our other popular choices for the savvy car buyer. Honda originally started as a motorcycle manufacturer but began to try its hand at car manufacturing in the early 1960s. The Honda Civic was one of the first cars to make it from factory to market, and its dependability has been touted ever since.
Also, like the Camry, the Honda Civic has fewer of the upgrades that many of the cars of that time offered. What was almost a misstep for Honda back in the early 2010s has now become one of its most popular features. Providing safety, a smooth ride, and a particular zip that some have compared to sports cars, the focus is instead on the handling of the vehicle than on all of its features. True car lovers see the beauty in the simple Civic, whereas those looking for a car on the budget can find what they need from a mid-2000’s civic at a comparable price.
One of the lesser-known reliable vehicles, the Pontiac Vibe is an excellent sedan for those looking for the reliability of a Toyota in the price range of a Pontiac. Pontiac Vibes were commissioned by Pontiac from Toyota, and Toyota essentially gave them their version of the Matrix. Although the Vibe was a short-lived car, you still see many of them on the road today because they are robust and dependable little cars. The 2009 variety are one of the highest-rated sedans for safety, making them a must-have on our list.
Many versions come with all-wheel drive, cruise control, and more. One of the reasons that the Vibe was so popular was because it didn’t come with all the bells and whistles that other sedans of the time started to unleash. Equipped with the basics, but providing tons of cargo and passenger room, the Vibe is also suitable for those hoping to save gas money. If you can’t find this at your buy here pay heree dealership, you can also try asking about a Toyota Matrix for something with an almost identical build and similar price.
Toyota makes the list yet again with this little creature. The Yaris has been popular since its release in 2005. With an emphasis on compact size and city driving, the Yaris has been a champion of excellent gas mileage. Newer models have made attempts to keep up with industry advances in design and features, but really the plain interior has made room for an upgrade to the Toyota Yaris’s looks over the years.
If you’re looking for a dependable Toyota in a size that makes sense for city driving, this gas and space saver still lets you have fun while helping you save time trying to find parking and money on gas. A merge between cute and sporty, we firmly believe that anyone can rock a Yaris and be happy about it.
Do one of these makes and models strike your fancy? Are you not sure that you can afford one, regardless of your interest? Auto Now helps Kansas residents make their car ownership dreams come true (especially those on a budget) by offering to finance regardless of credit. Fill out one of our online applications, and a representative will discuss further options with you in-store. We look forward to helping you find a car on your budget!
The search is on for your new vehicle. If you’re like a majority of folks searching for new cars, you likely feel worn out already. It’s hard to know which company offers the best deals on cars, and it’s even harder to know that you will get a good car if you’re buying used. Sure, you can always opt to go to a factory dealership, but you’ll end up paying a pretty penny for those cars. Between the actual cost of the vehicle, the registration fees, the amount your insurance wants you to spend on a new car, and the sales tax, you’ll be swimming in expenses, and those expenses are often not foreseen by those new to the buying process.
Then, there are those people looking for a car who don’t have the option to buy new. They either have low credit or are just having a hard time finding a car for sale that works for their budget. Either way, they need an option that doesn’t leave them waiting to hear back on the status of a bank loan or their haggled-down price.
That’s where buy here pay here cars come in. A buy here pay here dealership like Auto Now is the superior choice for anyone determined to buy a quality, used car. Often, these cars are just as reliable as a new car and for much less. Not convinced? Check out these reasons why you might want to consider Auto Now of Independence, Missouri for your next car purchase.
You grew up in Missouri -- you know the merits of telling the truth and lending a helping hand to your neighbor. But sometimes when you see big box businesses and mainstream sales tactics, it makes your Missourian values cringe. You can’t be sure you can trust a car dealer whose loyalties lie with the company that they work for rather than their customers, as so many large factory car dealerships do.
Auto Now is a small, Missouri-based chain that understands the values and needs of the people with whom we do business. Our goal is never to turn a profit for the company as a whole, but rather to help the people of our home state and neighboring state get reliable, working, and cost-efficient cars that can help them in their day-to-day lives. When you work with Auto Now, you are keeping your money (and your alliances) local.
Many of our customers come to us frustrated because they’ve been unable to get the transportation they need to get to and from work because of their credit score. The thing is, credit mishaps happen to the best of us. Sometimes, we have to make decisions that have harmful repercussions, but for most who have credit issues, this is a one-time thing that makes a lasting impact on their real life.
At Auto Now in Independence, we finance to anyone regardless of their credit. Our lending limits are based on your monthly salary, and we have detailed discussions with you before letting you sign any papers about what your repayment schedule will look like. If you’ve been denied a bank loan in the past, can’t afford to save up for a down payment on a new car, or otherwise need help because your credit is hindering you, we can work with you.
Not all used cars are reliable, and we’ll be the first to admit it. The hard part is, you sometimes can’t tell the reliability of a vehicle just by looking at it. Sometimes, the most beat-up looking junkers on the road are cars that have had relatively few maintenance issues and just a good, long life. Other times, you’ll see a car that looks great on the interior and exterior, but then will drive it and little things will show you that there might be issues with its mechanics.
All the cars for sale at Auto Now of Independence are reliable cars. With a 24-month warranty, we put our faith in the maintenance and upkeep of our vehicles before your ownership. Additionally, we have NIADA certification -- which means we are one in a limited number of used car dealerships whose cars are certified pre-owned and pass rigorous inspections before being sold.
Are you tired of applying for bank loans, waiting days to hear back your lending status, and having to reapply all over again when your application is denied? The process of applying for buy here pay here car financing with Auto Now is much simpler. You can either fill out an application online or in-store. This application usually takes no more than 20 minutes, in which a member of our team takes time to look over the application promptly. Within the same day, you are approved and have the option to browse vehicles within your lending limit. The process is simple and eliminates the wait time associated with other loan applications.
As well as offering competitive prices on quality used cars, we offer low money down offers on many of our vehicles. We don’t believe that an up-front cost should ever limit a person’s ability to purchase a car over the long-term, so we are willing to work with you on down payments. Of course, if you want to make a larger down payment and lessen the amount you pay over time, that is entirely up to you. However, with prices as low as $90 down on many of our cars, we’re confident our customers will be able to afford a car with us.
If you’d like to discuss further reasons to buy from a buy here pay here dealership, give our Independence location a call at (816) 833-6900. We’ll get you set up with a dedicated representative who can go over your questions, get you started on filling out an application for financing, and then show you around our extensive lot. We’re located on 10500 US 24 in Independence and are open Monday through Saturday. Thanks for your interest in our business!
Many options exist for car purchase, though some are superior to others. A popular choice for those who are looking for a reliable car that won’t break down is to go to a factory dealership. There, they purchase a vehicle with low to no mileage at a high price. It might smell squeaky-clean and feel great to drive, but at what cost? Americans who owe money on car loans for new cars often pay over $500 a month, which even for someone on a comfortable income is a lot. Then, there are those who cannot afford that high monthly payment or who do not want to deal with it.
Those folks often go the used car route. Scouring the local newspaper, secondhand websites, or the sides of the road, these people desperately look for cars within their budget. Often, they settle for something that they do not want for a price that they must pay out of pocket. If they need a car but cannot afford to pay out of pocket, many will seek the help of a bank loan. Unfortunately, bank loans are very particular in their terms. They only want to lend to those with perfect credit, and for those without excellent credit -- they are either out of luck or stuck with a high interest rate.
Fortunately, there’s a solution for those looking for a car who can neither afford the high rates of a new dealership car or the rates of a high-interest loan. Buy here pay here cars, offered by dealerships like Auto Now of Independence, are affordable, reliable used cars that don’t come with all the hassles of used car buying. Additionally, Independence residents don’t have to go miles out of town to look at a used car. They can count on these benefits, and more when they come down to Auto Now.
One of the lesser-discussed issues of purchasing a new car is trying to get to the location of the vehicle you are supposed to be looking at. Often, this relies on scheduling your viewings around the lives of family and friends, further inconveniencing both of you. Otherwise, it relies upon taking a taxi, usually at great lengths, to look at a car that you might not even buy. Dealers won’t drive a vehicle to you, and typically private sellers will also not do you that favor. This can make actually looking at a car a huge hassle.
One of the perks of buying a car through Auto Now in Independence is that you can take the Kansas City Regional Transit System from any of the surrounding areas to get to Independence. You can even save time by filling out an application for financing before coming into our Independence location. Don’t rely on others or worry about coordinating schedules. If you don’t have a car and need an inexpensive way to get to downtown Independence, there’s a way to do it.
We already discussed some of the pitfalls of buying other ways earlier. Applications for financing at factory dealerships are usually not a quick task. They require income verification, as well as a credit check and sometimes even a background check. All in all, this takes days (or even weeks) to complete, so you seldom spend just one visit at a factory dealership. Bank loans for financing a used car take even longer. You must go into a branch, then go through the same process that you would to apply for financing at a dealership. Then, the banker sends you on the way and promises to call you when they hear back about your status. If you’re denied, you usually don’t get much of an explanation, but it generally has to do with your credit. If you’re approved, the process still takes a long time, and there’s no guarantee that the car you’re interested in won’t be sold out from underneath you.
The application for financing and purchase at a buy here pay here car lot is much simpler than either of these scenarios. Usually, it takes less than 20 minutes to fill out an application for financing, at the end of which you are almost always approved. Places like Auto Now of Independence use only your income to determine how much you are qualified for, and then they show you their inventory within your budget. If you want, you can drive away with a car the same day.
According to Experian’s ranks of credit scores by state, Kansas ranks 19th in the nation. That is a lot higher than many of its neighboring states, but it still indicates that there are credit issues among its residents. If you have a credit issue -- that is okay! It’s actually quite common to experience this, and it’s due to many factors. It doesn’t always indicate a person’s financial responsibility, and this is something that Auto Now of Independence is well aware of.
First and foremost, we never turn a person away because of their credit. Our finance rates are based upon your income, and it is possible for you to get a good payment deal with us regardless of your credit score. However, if you do have credit issues and are looking for a logical and relatively quick way to rebuild your credit, getting a buy here pay here car is an excellent way to do that. We report your purchase and payments to credit bureaus like Experian, and that helps your credit health overall.
Independence and surrounding areas have all the tools they need to buy a quality used car -- and with many benefits. Auto Now of Independence offers competitive pricing, superior financing terms, and a quick and easy application process to anyone in need of a new car. Stop by our location on 10500 US 24 to see how we can benefit you. To save time, fill out one of our easy-to-read applications, or call us at (816) 833-6900. We’re ready to serve you.
Good parents are diligent about keeping their family safe. From putting outlet covers on electrical outlets when babies start walking to keeping up to date about booster seat regulations, we salute the hard work that goes into parenting. One thing that parents often don’t think about is whether or not their car, itself, is safe enough for their children. While many go for big, roomy cars like SUVs and vans, some specific models are safer than others. However, very few parents have hours to sift through information on car safety to find the best car for them.
Then comes the issue of cost. While parents are well aware of how much it costs to take care of a child, the extra expenses of having a child often hit them as a surprise in the aftermath. Therefore, buying one of the newest, safest models of cars with all the fancy, built in safety gadgets you hear about on ads is not always in the budget for modern parents.
If you’re a parent and you’ve been left scratching your head as to how to pay for the expenses of a new car, here are a few reasons why you might want to head over to Auto Now of Belton to get help from a car expert.
We get it; you’ve got other things that are more important to focus on financially. The average family with a baby or a toddler spends between $10,000-$15,000 per year annually per child, whereas the average family with a teenager spends between $12,000-$18,000 annually per child. That’s essentially a new car, so we understand why saving to pay for a vehicle outright might be a top priority.
Besides that, you don’t want to drive your family around in a car that might be hazardous to them. It’s hard to tell whether or not a used car from a private seller can hold up to the safety standards that you need. Don’t cut corners and opt for a cheaper car that might not be safe. Get help from the safety experts at Auto Now of Belton. Auto Now knows how to find you the best deals without compromising your safety.
Parenting, as well as being an expensive job, is a busy job. You get to play personal chauffeur to your aspiring soccer star, artist, dancer, and or symphonist. Along with driving them to their afterschool activities, you have to schedule in time for doctors appointments, dentist appointments, and more -- all while trying to remember that you, too are a human with needs similar to their own. You don’t have much spare time, which is why applying for and getting a loan through a traditional means can be tough for busy parents.
When you borrow through the bank, you must first fill out an application and then meet with a lending agent. From there, you’re required to run a credit check, which calls for even more time spent waiting for that to run. You’re usually out a week at least before you see the disbursement of your funds -- and it’s hard to schedule additional meetings into your time budget if banks or credit unions need those. With buy here pay here dealerships, it is usually a one-stop shop. Get the kids a babysitter for an afternoon and run over to Auto Now of Belton. You can even apply for financing from the comfort of your own home. Usually, if you have an idea of what you want, you can get it and drive away with it the same day.
Becoming financially overwhelmed is easy as a parent. Countless stories exist of parents racking up debt on their credit card when an unexpected expense occurs, or of missing a few payments on a primary account because they forgot. When instances like these happen, it can be hard to finance a car or take out a loan when needed.
Luckily, buy here pay here lots offer great family cars with in-house financing options. In-house financing options at Auto Now Belton do not require you to have perfect credit, and paying off an auto loan through our establishment can help you rebuild credit. That way, if you expand your family in the future and need a house to fit everyone, you’ll have an easier time getting a mortgage.
We’ve already maintained that safety is of utmost importance to parents. So while you might have researched the safest brands of cars, you’re probably not an expert when it comes to the mechanics of the vehicle. This means that the safest cars will be bought with the help of someone who knows their stuff.
Buy here pay here dealerships are a great place to find a safe car for your child or you while your child is young. Not only will the folks you talk to guide you toward the most reliable vehicles, but a 24-month warranty is available for all our cars -- because we take pride in and stick behind the safety and reliability of a car.
There comes a time in most parents’ lives where they must hand the keys over to their kids. It’s a scary moment, for sure -- it means not only that you are trusting them with your car, but also with their own lives.
For responsible children, you can take the ease off of worrying whether or not they are going to ding your new car by working with a buy here pay here dealership you already have an established relationship with. Bring your child in to see how the car buying process is done, then have them help you pick out a used car that works for your budget and their interests. Maintaining a long-term relationship with a trustworthy buy here pay here dealership means that you will never have to interview droves of private sellers to make sure your child is safe and secure in a car.
Families in the greater Kansas City metro don’t need to look any further than Auto Now of Belton for their used family car needs. Contact us today so we can help you find a car suitable for parents and children alike.
Most of us don’t want to pay a lot for anything -- cars included. While some might have the resources to begrudgingly pay more for a vehicle they really want, those of us hoping to purchase a used car are always on the lookout for ways to save.
Buying a used car is your first stop on the road to money-saving while owning a vehicle, but here are some other ways that you can save money on your next used car.
All car owners have that dream car that they want, and for very few is that dream car the affordable, beige-colored Toyota Camry. If you have an idea in mind for your next vehicle, that’s great! It means that you’ve done the research and know what to look for in a car. However, if you’re looking for a used car, chances are reasonably likely that you are not going to find the exact make, model, year, and color that you’ve been hoping for in a car. One of the easiest ways to compromise and to save money on a vehicle at the same time is to look for a model that is a few years older than your dream model.
Unless you’re settling for a car that is 15 years older than the vehicle that you want, it is highly unlikely that anything significant other than the design of the interior or the exterior will be that much different. You’ll be able to drive around in a vehicle that is comparable to the one that you want without paying an arm and a leg for a newer year model.
When you pay for a car, it doesn’t just stop at the cost of the vehicle overall. You have taxes, registration fees, insurance premiums, and essential maintenance to think about. The type of car that you go after can influence the overall cost. For instance, a newer year car will cost you more in insurance and registration fees than an older car might. Alternately, if you get an older car but it’s a foreign car or a car they no longer make (or both, like a Saab 9-5), you run the risk of paying more for necessary fixes because the parts must be sourced from all over the country, and sometimes from different parts of the world.
If your ultimate goal is to save money on your used car, it is best to weigh your options and start out small. Come up with a basic idea for what you want from a vehicle: like a smaller SUV with a backup camera. Some SUVs from the early 2000s fit this build, so you can save on a used car’s registration and insurance fees (as well as overall cost) by considering a car that fits your basic needs and wants. Buy here pay here lots like Auto Now in Belton have many vehicle options, so it is possible to save time and money searching for a basic car by stopping by one of our Auto Now locations and letting a representative know about what you are looking for in a vehicle.
Don’t buy a car based on looks alone. It might be tempted to do this, especially if you don’t know anything about cars. But doing even the bare minimum of research before purchasing a vehicle can be extremely helpful and can avoid you from making costly mistakes in the future. Consumer Reports has easy to read customer feedback on most cars, so read up and get an idea of what to steer clear of.
For example, the Nissan Rogue is a popular car. Sleek and stylish, it barely looks like an SUV but provides the same levels of comfort and safety. Based on our previous statements about buying an older car, you might think that purchasing an older Nissan Rogue might be a good choice. However, Nissan Rogues aged 2012 and earlier tend to get significant transmission issues around 60,000 miles. In that way, it might make more sense to spend $1000 extra to get a newer model Nissan Rogue that doesn’t have those issues than saving some money on a car that might have those issues in the long run.
Not confident you can make the right decision? The folks at Auto Now in Belton are well-equipped to help you research a car that is right for you and apply it to your next car search.
There’s a reason why you see old Jeeps selling for thousands of dollars. It is because they are in high demand. They might not have the reliability of some of the other back road-worthy vehicles, but everyone and their mother seems to want one. This increase in demand has led Jeep dealers, owners, and those who like to modify cars to sell them at prices that are much higher than other SUVs in their class and year of manufacture.
One way you can get around paying an arm and a leg for a car you want goes hand in hand with doing the research -- getting a vehicle that has the same capabilities but sells for less. In the Jeep’s instance, you can get an older Land Rover or even a Nissan Xterra. While they might not look like a Jeep, they both have the same modification ability and offroading capabilities for a fraction of what a used Jeep might cost.
Buy here pay here lots are one of the easiest ways that you can save on a used car. Instead of having to scrimp and save to buy a vehicle that may or may not suit your lifestyle, buy here pay here dealerships like Auto Now in Belton can save you time and money by helping you do the research, find the car that you want, and make affordable and sensible payments on the vehicle at the same time.
Get started at our Belton location by applying for financing today and scheduling an appointment to meet with one of our knowledgeable sales people. They will help you understand your finance terms and help you get the best deal on a car, no questions asked.
We all love our family and friends, but sometimes they drive us nuts. While some of our loved ones cause stress because of the way they talk to us, others have far more severe problems that can lead even the best friends and family members scratching their heads over ways to help them.
Poor credit is often one of those problems. Perhaps your little brother maxed out one too many credit cards or your BFF has come to you for a personal loan because they were denied one by the bank. They need a new car but are having a hard time saving up because of their situation. Either way, most people are not equipped to lend out the type of money that many people with less than perfect credit need to make such a big purchase. And when it comes time to help out those types of friends, your inability to help might make you feel like a failure, further complicating or burdening the connection between you.
Fortunately, there are car loan options for those who have less than perfect credit. Among other options, buy here pay here offer in-house financing to potential customers regardless of credit, and for terms that are similar to those of a conventional loan. Although it is not the only option for those with poor credit, it is often the most viable one. Here are some ways you can help someone with credit issues finance a car, and why working with a buy here pay here dealership is often the best route for those with credit issues.
Paying a full down payment can be hard for those without a good credit score because, in some instances, it means that the person with poor credit is struggling financially in other areas of their lives. While their friends with good credit might not individually be able to lend the type of money that a person needs, when resources are pooled together by many it can lead to a substantial personal loan that puts little stress on the people lending it. Even many people sharing meager resources to help a struggling friend or family member can be beneficial, though it doesn’t come without a small tax on those who are doing the lending.
If a person you love has come to you for help and they have enough for a down payment on a car, guide them toward a buy here pay here dealership. These types of dealerships have financing for those who might need financial help, and this assistance comes regardless of credit issues.
If you or someone you love is in the market for a new car in the next couple of years but is struggling to find options that will help them pay for a new car, it might be time to get started working on your credit. Free credit help tools like Credit Karma offer ways to monitor your credit, and watching your credit is the best way to keep track of your progress. Start by looking at all your open credit accounts -- from student loans to credit cards. If you have credit cards with high balances, work on getting those balances down to normal (30% usage or lower is where your balances should be). Then, work on paying your loans on time, even putting in extra money when you have the chance. If you do this regularly over a year or two, you should notice your credit score improve.
However, some people don’t have the option of waiting for their credit score to improve before they take out a new loan. For those folks, it is best to seek out alternate funding options -- like in-house financing from a buy here pay here dealership like Auto Now of 79th and Wornall in Kansas City. Financing through a buy here pay here dealership will even help those with bad credit improve their credit score over time. While that might not come in handy for present car buying purposes, it will impact your ability to make big future purchases, like a mortgage on a new home.
A mistake that many first-time borrowers make is signing off on a loan without shopping around. Unfortunately, many who are not new to the lending platform also do this because they feel as though they will never get a reasonable rate. It is essential for anyone, regardless of their credit history, to shop around for loans and discuss other loan options to find a credit score that works for them. Those with bad credit might think that if they get a loan offer from a conventional source, they should take it, regardless of the interest rate. However, there are borrowing options that don’t involve choking on interest over the years you pay it back.
Despite getting a bad rap regarding interest rates, buy here pay here dealerships like Auto Now of 79th and Wornall have competitive interest rates for those with less than perfect credit. Additionally, these in-house loans are designed so that the borrower spends as least time as possible paying off their loans, so they pay less in interest ultimately than they might with a conventional loan.
When in doubt, we always suggest turning to a buy here pay here car dealership for your car if you or someone you know needs one but is having a hard time getting one because of their credit. Interest rates are reasonable, we don’t base our offers on credit scores, and we are more than willing to work with someone to find a car that meets their budget and helps get them to a better place financially.
For quality used vehicles at a price that anyone can afford, look no further than Auto Now of 79th and Wornall in Kansas City, Missouri. We help people get back on the road regardless of their credit. Fill out an online application and one of our representatives will get back to you about what we have to offer at our downtown location.
Don’t ever settle for less than the best if you have poor credit. Work with an expert in used cars to get you what you need.
The time has come for a new car, and for many of us, that means weighing our options. Very few Americans have much in their savings account, the majority of us with $400 or less. This can mean that a surprise expense -- like buying a new car outright after your current one was totaled -- is out of the picture. That’s where used cars come in. Used cars are a great, affordable way to get transportation when you are on a budget.
Used cars come in all shapes and sizes. However, there are two main ways that most people buy a used car: through a private seller or a dealership. Each option has its pros and cons, but the experts at Auto Now on 79th and Wornall believe that if you are going to make a used car purchase, the most affordable and safest option is to buy from a buy here pay here car dealership.
Ultimately, the choice is up to you. Here are some of the pros and cons of buying a car from a private seller versus from a buy here pay here lot.
You know these types of cars well. They are the cars that you see on the side of the road, often freshly washed with easy to see signs in the window that entice passers-by to stop and take a look at the car. Sometimes, the signs have little more than a phone number to call on them, which can be frustrating for those on a car hunt. Alternately, you can find these types of cars for sale on websites like LetGo and Craigslist. For sale by owner cars are one of the most commonly sought after types of used vehicles.They offer many conveniences to users, but also have their drawbacks.
The pros of buying from an owner are pretty high, but there are also the cons to consider. Here are some of the reasons why you might want to avoid buying from a private seller:
Buying a used car will always be a gamble. There’s no guarantee you’ll find one you like by the time you need one, and used cars do come with their shares of problems. However, buying a used car from someone who knows what they’re doing -- like Auto Now of 79th and Wornall -- can save you a lot of time and hassle.
There are even more benefits to purchasing a car through a buy here pay here dealership, but we encourage you to stop by our dealership to inquire about those benefits. Kansas City residents and those living in the greater Kansas City metro should stop by our 79th and Wornall location, or contact us with more questions.
Ah, the mystifying credit score. If you’re someone who has signed up for a credit monitoring service like Credit Karma, or have even checked in on your credit score using one of the main credit bureau websites, you have the ability to see how healthy banks think your spending, saving, and credit habits are. For something as invasive as the common credit score, it still functions as a deeply mysterious part of modern life. Credit scores are a reflection of the financial transactions that credit bureaus deem the most important. Mainly, this consists of how high your credit balances are, how many lines of credit you have out, and how timely you are with paying toward your financial obligations. It seems fair to say that in most instances this would be an accurate depiction of your financial worthiness, right?
In reality, the credit score is far more complex. This is apparent in the percentage of adults who do not understand how a credit score works. Nearly 32% of Americans are fuzzy on the concept of the credit score, and an even greater percentage have a lower than average credit score. Without understanding the basic concepts of credit, it is impossible to improve your credit score in a timely and effective way. One of the most influential factors on the credit score that many don’t know about is that not all financial accounts report the good things - only the bad. Things like new car dealerships, rental agreements, and other things you commonly pay for are not reported consistently like a missed credit card payment is. For those with less than perfect credit, this can hurt you.
This is where rebuilding your credit comes in, and this is something that the specialists at AutoNow in Wichita can help you with. By going over your monthly financial obligations and helping you pick out a car that you can afford to pay back, you will rebuild your credit in no time, paving the way for heftier investment opportunities in the future.
Each buy here pay here lot is different, but essentially, a buy here pay here car dealer will work with you to determine the best repayment schedule for you as a borrower. Have a certain date that you can’t make payments on? That’s something AutoNow can work with. Would you prefer for your car payments to be automatically made on the same day that the rest of your bill payments are made? That’s also something that most buy here pay here companies can work with.
The dates of the payments aren’t the only way that the repayment schedule can be customized. Buy here pay here car dealerships also typically work with your base monthly income to find a car on their lot that fits in with your financial needs. In summary - they help you make a sound financial investment that is practically impossible to fail at. All those on-time payments add up and rebuild credit scores quickly.
Lines of credit come from credit agencies whose jobs are to make sure that they get their investment back. Because they see a large number of customers each month, they also must make decisions in the most timely way possible. Unfortunately, this means either denying a perfectly capable potential customer their right to a loan, or asking that customer to pay exorbitant amounts back to them on their interest.
A buy here pay here dealership is a specialized lender, which means they have more time to better understand their customers’ financial situations. Buy here pay here dealerships are also dependent upon making car sales, so they are generally more willing to lend to you if you can prove to them in other ways that you will be able to make consistent payments. Most often this proof can be supplied by handing them income verification, references, and evidence of other financial obligations. This information will help buy here pay here car dealerships make the most informed decision about lending to you.
You know that you never want to be in a situation where you can’t pay someone back. For the lending party, this feeling is doubled. Sure, buy here pay here car dealers still need to sell cars, but they aren’t going to sell cars to customers if they don’t think that the customer is going to be able to pay them back. This ultimately leaves them with less money and with a less valuable car.
Although the application process is streamlined and relatively easy, it is set up the way it is so that customers and the company alike will never need to worry about their ability to pay back the amount of the car. At AutoNow in Wichita, we check over all the information provided to ensure that the offer we make you will eventually be paid back without a hassle to either of us.
Buy here pay here car dealerships record your payments and report back on them to credit bureaus, much in the same way that a credit card company might. However, these payments are usually larger than payments like credit card payments, and therefore make a bigger impact on your credit score overall. The bigger the payments you make, and the timeliness of those payments, all impact your credit score over time. Essentially, they rebuild your credit in half the time that a traditional loan might, and with the added benefit of getting a new to you car.
You don’t have to be in need of a new car to utilize the lending options available at AutoNow of Wichita. We’ve helped thousands of people rebuild their credit by financing a used car at one of our lots. Stop by our Wichita location to get started with a new to you car and a new chance to quickly rebuild your credit with more benefits than ever before.
For those of us with bad credit, purchasing a used car seems like more pain than it is worth. Often, it requires scouring the internet to find some automotive junker that meets the financial needs of your savings account. You know that it will eventually give out on you, but you can’t afford not to purchase it. After all, you have a job and needs. Other times, it requires taking long swaths of time out of your regular schedule to meet with lenders, car dealers, and others who are integral to the used car buying process. If you have past credit issues, there’s no guarantee that meeting to discuss these things will even result in the ownership of a car.
None of these moments are ideal - they’re disruptive at least, and invasive at worst. For those with less than perfect credit, these steps are even worse because they are things that must be done even without knowing that you will undoubtedly get the car you want. For those with previous credit issues who want the option of buying a quality used car, one of the best routes that can be taken is purchasing through a buy here pay here car company. Buy here pay here car lots work with people regardless of credit history to get the cars that they need - and that goes for AutoNow of Wichita, Kansas.
Here is why you need to consider a buy here pay here car lot as a front runner for your used car needs.
Your first time purchasing a quality used car doesn’t need to be a hassle. There are certain pieces of information that you will need to apply for financing options with buy here pay here companies like AutoNow of Wichita. These include your post-tax income information, state identification, and things like your monthly financial obligations. Many people who drop into buy here pay here lots without an appointment don’t have this information on hand. However, filling out our handy online application saves time on your end and on the end of the dealership.
We understand that your time is extremely valuable. Like many technological innovations, online applications are designed to work with your schedule and time constraints. Fill it out at work or on the couch while your kids are watching a movie. It’s that simple, and you can do it from the comfort of your home.
Where many car buyers go wrong is purchasing a vehicle whose payment plans don’t fit with your lifestyle and needs. New car dealerships will sometimes lend more to those with good credit scores, and when their monthly payments come, those customers can find themselves in a state of shock, awe, and payment default. The same comes from those who might not have perfect credit who decide to take out a loan for a higher interest rate - they find themselves surprised to see the amount they owe after interest and sometimes cannot make the payments.
Buy here pay here dealerships understand the struggles that those with less than perfect credit go through, and they cater their repayment and financing options to fit with lifestyles. They won’t offer you anything that they believe you cannot afford, and that helps you rebuild your credit as you repay a car that works for your lifestyle and budget.
Even for those who get the unpleasant surprise of a higher-than-expected loan rate and can pay it off wish that they didn’t have to spend so much on their loans. A shorter loan repayment period, like those offered by buy here pay here car dealerships, ultimately means less money spent. Credit companies make their money by requesting interest on the amount they lend to you. This means that the longer you pay something off, the more money they make. Eventually, you are faced with asking yourself whether it is worth it to feel a little more comfortable each month but pay more or pay less? Many find that even with a higher than average monthly payment on a car, they don’t usually feel the sting and prefer having their payment period shorter than average.
Sure, you can find used car options online that support your lifestyle. There are plenty of websites and online dealerships that will provide any used car you can think of under the sun. You might even have your eye on something that looks fancy or something that can take you on the trip of a lifetime. We all do it - dream about something that we deeply desire with the hopes that someday we might get it. Unfortunately, if you have less than perfect credit and don’t have enough saved up for the full amount of the car you want, you might be out of luck. Potential buyers sometimes avoid buy here pay here car lots because they think that they might not have precisely what they are looking for. However, the truth is that buy here pay here car dealerships like AutoNow of Wichita have a more comprehensive selection of reliable used vehicles than you can find anywhere in your state.
Don’t find yourself stuck between a rock and a hard place. Buy here pay here car dealerships help their customers find a used car within their price range and repayment ability while also letting them choose from a greater selection of vehicles than they would have online. It benefits the company to help you get something you like, so don’t settle for anything less.
If you are stuck on where to go from here now that you need a car and know you have less than ideal credit, consider stopping by AutoNow’s Wichita location. We have an extensive used cars selection with options for everyone on the credit spectrum. Fill out our application online to save time, and we will contact you once you’re approved. We look forward to helping all who apply get the transportation they need to live in the modern world.
Chances are likely that if you’ve driven on a highway anywhere that passes through a big city, you’ve seen a buy here pay here car dealership. They’re almost unavoidable - with flashy signs outside their establishment, a variety of cars of all makes, models, and years, and sprawling lots. Deciding to go into a restaurant that looks like this (with all the bells and whistles on the outside) is a gamble, so why wouldn’t an establishment trying to sell you something as big as a buy here pay here car not be a gamble? Unfortunately for buy here pay here dealerships, this type of thinking and lot decoration have given them a bad rap. Buy here pay here car dealerships are some of the most affordable and dependable places you can find to buy a car. There are usually hundreds of different vehicles to choose from, affording potential buyers a greater choice. They let buyers who typically would not be able to afford a car have the opportunity to get one. Finally - they’re very affordable.
Still, armed with this knowledge, many avoid buy here car dealerships instead of other options. If we had to guess, part of the turnoff from buy here pay here lots probably comes from how different their payment process is from the normal borrowing process.
Buy here pay here auto financing shouldn’t be some strange, unobtainable piece of knowledge only available to the most advanced car buyers. It is a simple deviation from standard lending options, and with the right understanding about the process, it is possible to gain a lot from it, especially if you have previous credit issues. Here’s a quick breakdown of what makes buy here pay here car financing so different and how you can use it to your advantage.
The first step in getting approved is letting yourself take that first step. Too often, those of us with bad credit don’t allow ourselves to apply for the things they want - out of shame or otherwise. We promise our potential customers that regardless of their credit history, we want to give every one of our applicants a chance. There are specific qualifications that must be met, but none of them have to do with credit history.
Apply at home to get the most out of this effortless application experience. At home, you’ll have safe access to your social security number, driver’s license number, and financial information. All of this information will help the folks at AutoNow of Wichita make a decision on how much to lend to you, and all this sensitive information will be appropriately stored to ensure the safety of our customers.
Getting approved for buy here pay here financing at AutoNow is relatively simple. We only ask that you make a base amount of money after taxes each month - a meager $1200. This amount shows us that you have at least a part-time job and are diligent about making money to pay off your investment. You’ll be approved after you submit the information asked on the online application, and you’ll be able to start shopping for your car then!
Most of the time, car shoppers pick out their vehicles before they get their loan. But with buy here pay here car dealerships, this process is a little different. First, you apply for financing with the buy here pay here dealership. From there, based on your financial obligations, you will eventually be approved for a certain amount. Once you get that approval, you’ll be able to browse a selection of pre-owned vehicles that work with your loan amount. We guarantee all our pre-owned vehicles, so even the ones that cost less are trustworthy and can be considered as primary drivers.
Finally, once you have your funding and an idea of what you want, you meet with a representative from Auto Now of Wichita. They will assure you’ve made the right choice for your financial situation and will get you set up with ownership papers. You’ll need to make sure that you have everything you need to prove your ability to own a car, even though you will have most likely already filled out the approval paperwork beforehand.
Once you sign the paperwork, you are good to go! You’ll be able to drive away with your new car in much less time than it would take someone applying for credit for a new car or a bank loan for an old car.
At AutoNow of Wichita, we firmly believe that investing in a buy here pay here car is an excellent choice for a variety of people, regardless of credit history. There are many reasons why you’d want to take the opportunity to buy a buy here pay here car if you got one. For one, it is possible to rebuild your credit and get on track for more significant lending opportunities by taking advantage of the quick payment terms available through AutoNow. Even if you have a perfect credit score, it can’t hurt your score at all to make consistent and on-time payments on a big purchase like a car. Buy here pay here vehicles also are great cars for those who might need a daily driver that is different than their work truck.
Finally, keep in mind that a buy here pay here car is still a used car. It doesn’t profoundly differ in its makeup, just in its application. Using this alternative lending system, you’ll find many more doors will open to credit-related opportunities.
Getting started with an online application today will kickstart your lending opportunities with AutoNow of Wichita. Alternately, you can stop into our Wichita location on Seneca street to speak with someone who can help you understand the importance of buy here pay here auto financing. Don’t let the complications of financing a used car get you - work with AutoNow to get your next vehicle.
Have you ever gotten overwhelmed just looking at a wide variety of something simple, like different milk brands at the grocery store or a list of local yoga studios? As silly as it might seem, overwhelmed feelings are a natural response to a new potentially dangerous situation. While it’s unlikely that anything will ever come of these feelings, there’s no pretending that the feelings don’t exist. Car buying choices often solicit the same overwhelmed feelings, just at an amplified level. It’s worse when you have a consistent stream of hometown car dealerships promising that they provide the best service in the area. When you’re struggling with making a choice on where and how to buy your next car, turn to the folks at AutoNow of Wichita. With a wide selection of vehicles and an open door policy when it comes to credit history, they are the best choice for used cars in Wichita, Kansas and have been since 1996.
As with most buy here pay here car dealerships, the application process is much different than your typical car purchase. With all other car purchases, you would usually find the car that you wanted and apply for financing on that car. This process might take days to weeks, and ultimately can cost more in time and money than initially planned. The best option for avoiding the wait times on traditional lending options and getting the used car you need in a timely fashion? Working with a buy here pay here car dealership like Auto Now of Wichita.
We aren’t just any buy here pay here car dealership, however. Purchasing a used car through AutoNow has multiple benefits, all of which allow the potential buyer options pertinent to their final purchase choice. First, you’ll fill out an application which will supply AutoNow with the information needed to make an informed decision about the amount they can lend to you. Next, you’ll get approved and meet with someone from the company. Finally, you’ll pick out the car you like based on the amount you were lent. This prevents you from overspending on a car all while helping you rebuild your credit and get back on the road.
Of course, with there being so many different used car dealerships all over the United States, it would make sense that even if you decided you were going to buy from a buy here pay here car lot, you might not have the wherewithal to make the decision to buy from AutoNow of Wichita. We believe that turning to us for help is one of the best ways to avoid confusion in the car buying process and get the help you need.
Are you still on the fence about where to buy your next used car? Do you think you have an idea about what makes a great used car option but are intimidated by the sheer amount of products on the market? Here are some of the reasons that AutoNow of Wichita should be at the top of your list when it comes to purchasing your next car.
AutoNow, located on Seneca Street in Wichita, has over twenty years of commitment to used car buyers who find themselves in need of assistance. Whether that assistance relates to their financial situation, how quickly they need their car, or otherwise, we believe our service is superior to our competition. To learn more about why we should be your first choice for used cars, visit our website and fill out an application. We’ll set up a time for you to come in and learn more about the buy here pay here car process and how AutoNow can benefit you.
Car buying is a process. It requires extensive research into the types of cars that would be best for your lifestyle and budget, all while trying to maintain some preference for the kinds of vehicles you like. It also requires you to have a good sense of what your own financial situation, which with the way credit industries work can be rough. You can pay all your bills on time and have quite a bit of money left in savings while still having a low credit score. Credit scores were designed to help those who wanted to make big purchases using credit, but they are not the big picture.
By default, the way that credit scoring is designed, it does not help anyone with less than excellent credit make big credit purchases. This can make car buying hard, even if you are mostly good with money and understand what you want. That is why so many people choose to buy from buy here pay here dealerships. Not only do they offer in-house financing, but they have perks that extend to all areas of the car buying process. Here is AutoNow of Topeka’s list of the five biggest perks of buying from a buy here pay here dealership.
Finding the money to purchase a car is often one of the most tedious parts of the car buying process. Even if you have a substantial amount saved, financing through a dealership or a bank takes time. You must go into one of their locations and meet with a loan officer, have your credit checked, and then wait for fund disbursement. This process can take weeks if your credit is good, and if you have credit issues, it can take weeks and then result in credit denial.
Buy here pay here dealerships are a one-stop shop, and they save time and money by offering their customers financing based on their financial abilities. With this dealership, you don’t have to look elsewhere for funding, and you can usually shorten the time from application to ownership to a day or two.
Those with less than perfect credit also have a hard time getting the financial assistance they need. Usually, anything less than a “very good” credit score will result in higher interest rates at least. If you have fair or poor credit, you will usually get denied. The problem with this is that many of the people with fair or poor credit also are living paycheck to paycheck and are dependent upon their car to get to work. The issue is cyclical, and without outside funding, car buying prospects for those with less than stellar credit can seem bleak.
Those who make a very low base income of $1200 after taxes or more can apply for in-house financing with buy here pay here dealerships like AutoNow of Topeka. The dealership will evaluate your financial situation and come up with a lending solution that will work for you. From there, you will be able to browse their used cars and make a selection based on the lent amount.
Even better, your on-time car payments can improve your credit score once you start making payments on the car you choose. Buy here pay here cars are credit investments, and like things credit cards and mortgages, the substantial investment you make on your vehicle is reported to credit bureaus. As you pay off your car, you have the added benefit of not only having a driveable car that will help you maintain job stability, but you will be rebuilding your credit along the way.
If you’ve tried to shop online from private owners, you know that the diversity of available cars can be bleak. You’re either stuck with a reliable vehicle that you don’t necessarily like, or you’re taking a chance with a car you want but don’t necessarily trust. Buy here pay here cars are much more reliable than your average third-party car, and dealerships have a more extensive range of vehicles all in one place, which makes your final decision that much easier.
Many people have been in this situation - they are taking great care of their car, following all driving rules, and using their car to get to and from work. Then one day, someone rear ends or slams into the side of their vehicle. The accident wasn’t your fault, but you’re all of a sudden left without a car and no way to get yourself to work. You need a car fast, and financing through a bank isn’t going to cut it. Even with your excellent credit score, you know it is going to take days to weeks to get the money you need to purchase a new car.
So, you head over to a buy here pay here dealership. One of the greatest perks of financing and purchasing at this sort of one-stop-shop is that you can quickly get a car within one to two days. You simply fill out an application, get approved for a car, then sign the ownership paperwork. Once you get your insurance information figured out, you can easily get back on the road and shouldn’t have to miss another day of work because you were left without a car.
If you’re sick of going through the same motions over and over again to try and get a quality used car, turn to AutoNow of Topeka, Kansas for your car buying needs. With in-house financing, a range of used vehicles backed by warranty, and a friendly and helpful staff, you won’t need weeks to find the right car for you. Start by filling out one of our secure online applications. Upon approval, a representative will be in contact, and you can set up an appointment to meet. We look forward to showing you how beneficial buying a buy here pay here car can be!
Don’t let people on the internet fool you - there’s no reason a used car has to be less reliable than a new car. Even the latest cars on the lot will eventually need maintenance, and if a used car requires a big fix, it is generally because a substantial issue has been ignored for far too long. Used vehicles will need maintenance, just as any mechanical tool needs regular maintenance. However, you can avoid making big fixes almost altogether on any vehicle by keeping on top of routine car maintenance. Maintaining a used car is a little different than maintaining a new car, but the essential elements of each are mostly the same. Here are five maintenance tips that will help you keep your buy here pay here car in tip-top shape so you can enjoy it for years to come.
Most car owners know to check their oil regularly, but they should also be periodically checking the transmission fluid and power steering fluid from time to time. These fluids are part of what keeps individual car parts running smoothly. Running dirty fluids through your transmission, power steering, or otherwise can damage those car components. Likewise, running out of these fluids can be disastrous, as well. Even if you recently got your oil changed, you should check your fluids once every 5,000 miles, or sooner if you are going on a long trip. Any indication that you might be losing fluids or if your fluids turn a funky color might mean that it is time to get them changed.
The air filter is the lungs of your car - they are what provide clean air to the engine and the interior. If you have noticed yourself sneezing more in your car, or maybe have noticed a musty smell when you step in, you might need to change your filter. However, the reason why you should regularly change your filter does not stop at your health. Instead, it extends to the health of your car. Many of the most common issues with vehicles can be attributed to air filters, from an overheating engine to lower gas mileage.
You can think of used car health in the same way that you think of human health. The older the car gets, the more susceptible it is to damage caused by things that might be preventable in newer cars. Since so many issues are caused by the air filter being dirty or old, it is vital to keep on top of these things. The air filter in a used car should be changed every 8,000 miles, or every 18 months if you live somewhere that has a lot of dust or travel on many dirt roads. The filter should be changed sooner if you notice that your mileage per gallon has gone down, your engine is idling roughly, or if your check engine light comes on. Replacing the air filter can prevent hefty mechanic bills and can also extend the life of your engine.
Something that some of us do rarely is clean and wash the windshield. You might be wondering why this is an essential part of the maintenance routine, and part of the answer has to do with common sense. First of all, you are less likely to get into an accident if you can clearly see through your windshield. Even bug splatter on the windshield can increase the likelihood of a wreck. Nearly 23% of accidents each year are caused by poor visibility while driving. Keeping your windshield clean and clear will prevent accidents, and therefore should be considered a maintenance tip for your car. Stop and clean off bugs if you go through a large patch, and make sure that you change out your windshield wipers at the first sign of disrepair. This could save your life.
Another reason why your windshield should be clean and well-maintained is so that you can keep an eye out for cracks and dings in the windshield. A single ding could turn into a shattered windshield while driving, so regularly inspecting your windshield will prevent accidents and prolong both your life and the life of your car.
Nothing causes more issues than driving a car on balding, old tires. It causes parts of the vehicle to work harder, which eventually causes part failure before the part’s natural time. Part failures are some of the most substantial repairs that you will ever make to your car, and therefore it is worth it to balance and rotate your tires regularly. Additionally, normal balance and rotation of your tires will allow each of your tires to get the same amount of wear, which lengthens the life of your tires, keeps you safe, and ultimately saves you money.
Your car’s manual will tell you how often you should be rotating your tires. Each vehicle is different, so it is vital to check in and save yourself repairs down the road.
Concerning components of your car, the brakes are the most important things to check when it comes to your safety and the safety of your vehicle. They are what prevent accidents - the ultimate car maintenance disaster. You can get your brakes checked when you rotate your tires - once about every six months. Professional brake checks can save your life, so don’t opt out of them and don’t take any shortcuts when it comes to maintaining your brakes.
You know your car better than anyone, so ideally you will pay attention to all the little ticks your car has naturally. But when it comes to these five maintenance tips, it’s better to stay on a regular schedule and make sure that each of these components is in working order. Otherwise, you might find yourself looking for a new car sooner than you expected.
For personalized buy here pay here car financing in a local setting, come on over to AutoNow in Topeka. We provide financing to anyone looking for a new car, regardless of credit, and we make sure that these five maintenance tips are performed before you purchase your new vehicle. Stop by our Southeast 29th street location to get started today.
The average credit score in Kansas is 697. When you’re thinking about this number in relation to the perfect score of 800, this doesn’t seem like a terrible score. However, a 697 is only in the “good” range for a credit score, and even this can impact your ability to get a reasonably priced loan on something. According to Experian, even though a 697 score is technically good, potential borrowers often see this number only as “acceptable.” This leaves those with a good credit score susceptible to higher interest rates despite their best efforts to remain financially ahead.
Averages indicate that some people are actually below this number, which means that for the majority of folks in Kansas, obtaining financing from a bank or a credit company is either impossible or comes with a substantial interest. This information is enough to make anyone want to avoid traditional funding. But when we avoid traditional financing, how are we able to purchase a car without spending years saving for one?
The answer can be found in buy here pay here car financing. Buy here pay here dealerships offer quality used cars and financing regardless of credit history. When used correctly, those who work with buy here pay here dealerships can get an affordable, reliable used car and also work on improving their credit scores for future borrowing purposes.
Chances are likely you’ve probably heard something scathing about a fbuy here pay here dealership at some point in your life. They are often written off as having high interest rates, poor used car selections, and having sneaky dealers who are only in it for the money. These misinformed statements could not be further from the truth. Buy here pay here dealerships make their money by helping out customers who need financial assistance but cannot afford it elsewhere, yes. But it is not through exorbitant interest rates or underhanded deals. The majority of our income comes from loyal customers who refer others to our services, as well as customers who come back for our inventory time after time.
Buy here pay here financing is easy to apply for, and usually, once a person is approved for financing, they can drive away with a car the same day they visit the dealership. Buy here pay here dealerships incorporate your monthly income and financial obligations into their final lending amount, unlike private sellers or factory dealerships. This helps you make financially healthy decisions on purchasing a used car while also taking out a line of credit that will ultimately improve your credit score.
Either online or in-store, you will fill out an application that is a comprehensive look into your finances. For AutoNow of Olathe, the questions on the form include your work history, your monthly financial obligations (like rent, bills, and other loans), your net monthly income, how much you can afford as a down payment, and how much you are willing to spend on a monthly payment. You’ll submit this information to the buy here pay here dealership, and one of the salespeople at the dealership will review it. Their knowledge of finance is involved, so from there they will approve you for a smart amount that makes sense based on your answers. They will collect sensitive information, like your social security number, but it will only be used for verification purposes and will be, so your identity is safe.
A buy here pay here car is a big purchase made on credit. Like any other big purchase made on credit, the history of those payments are reported to credit industries. Since your in-house financing is specifically catered to you, there is little chance that you will not pay your bill on time or for the full amount. Therefore, your continued and timely payments ensure that the buy here pay here dealership makes positive reports to credit bureaus. Over time, this increases your credit score, as well as having another credit account open.
It can be hard to trust used cars, especially when you know little to nothing about the history of that car. However, AutoNow of Olathe is a certified pre-owned car sales shop, and therefore, it must follow federal regulations to be sold as such. Our used cars’ maintenance history is available upon request. Most used car sales places will disclose anything wrong with the vehicles that they are selling, but AutoNow does our customers one better. We stand behind our cars, making sure that they are road ready by the time our customer visits us at one of our locations. Additionally, we offer a 24-month warranty on all our cars as a way of saying we know that our inventory will be right for you.
Long story short, you can’t trust just any used car. To trust a used car, you should visit a buy here pay here shop like AutoNow of Olathe, Kansas. Sometimes, having the law on your side is the best option for knowing you can trust something. With AutoNow, who takes the legality of their certified pre-owned status very seriously, you can trust our word that our used cars are better than our competition or than any private seller you might encounter.
AutoNow of Olathe, Kansas has been offering a variety of exceptionally reliable used cars to Olathe area residents since 1996. Promoting good credit health and car access for all, AutoNow works with those who need cars but might not have outstanding credit. Everyone makes mistakes in their life, and the majority of people will make a mistake that will impact their credit. Don’t let that mistake haunt you for years and prevent you from getting the financing help you need.
Visit AutoNow in Olathe on 1404 East Santa Fe Rd. or call us at (913) 764-8989 to schedule an appointment. Save time by applying for financing online before you come in. We look forward to helping you improve your credit by purchasing an affordable used car.
Poor credit does not just impact your ability to buy things -- it can also affect the quality of your life and health. For a large portion of the population, credit score issues are directly related to the amount of debt that they have in their name, and the number of people with more than $40,000 of debt is growing each year as more and more young people enter college. High balances on lines of credit can deeply damage a credit score, preventing them from affording a home mortgage, car loans, and more. All these issues play into your quality of life, and a recent interview with Dr. John Gathergood of the University of Nottingham pointed out that those who struggle with debt (and therefore also struggle with credit) are 50% more likely to have depression and anxiety issues.
The good news is, potential car buyers don’t have to worry about how they are going to purchase cars should they need them, and their purchase of a vehicle might help with their financial situation. Those with credit issues have options for buying a car, and those options are easier than they might expect.
Buy here pay here car dealerships have a bad reputation for no reason. Because of this, very few people who need a car opt to use one of these dealerships. Really, buy here pay here dealerships are one of the most efficient tools that anyone, including someone with less than perfect credit, can use in their car buying search.
The best way to research buy here pay here car dealerships is to start with your location. Finding a dealership nearby you will help you maintain a relationship with the dealership, so if you do end up purchasing from them and have any issues after purchase, you can keep in touch with them. AutoNow has locations all over Missouri and Kansas, and if you live in the Olathe area, then AutoNow of Olathe will be able to help you out the best. Once you find a buy here pay here dealership in your area, you can then start applying for financing.
Do you need to finance a car through a buy here pay here dealership? Of course not. Like any dealership, buy here pay here dealerships will take cash, check, and will work with bank loans to provide you with a car you like. However, in-house financing like the kind offered at AutoNow in Olathe is a big draw for those who have issues applying for outside funding from places like banks. To get financing from a buy here pay here establishment, most will have online application forms you can fill out.
Once you fill out the online form, you will be quickly approved for a specific lending amount based on your income, and you will be able to find a new car from their lot based on what you are offered.
The process of getting a car with in-house financing is different from ordinary car buying. Typically, you’d find the vehicle you want first and then apply for a loan to get that car. With buy here pay here car applications, your first step is getting approved for financing and then picking out a car based on your loan offer. AutoNow and other reputable used car dealerships will always have a wide selection of vehicles to choose from, so never worry that you won’t be able to find something you like based on the amount you are offered.
So, you’ve applied for in-house financing, received the official green light to start shopping, and have a car in mind for purchase. Now it’s time to visit the dealership. Once you have an idea of what you want, you take yourself over to AutoNow’s location in Olathe, and they will walk you through the rest of the process. Working with a buy here pay here dealership generally takes much less time than working with traditional dealerships, so if you’ve worked with conventional dealerships and private sellers in the past, you’ll be pleased with how little time this takes. Usually, you can visit the dealership, sign the ownership papers, and drive away in the same day.
If you have less than perfect credit, the excitement of getting a used car from a buy here pay here dealership doesn’t stop at signing. Because the purchase of a buy here pay here car is a significant credit investment, your payment history is reported to credit bureaus just as any other big purchase might be. Having another credit account open automatically improves your credit score, and making consistent payments on that account also enhances it. Over time, you’ll be able to get your credit score back up to a decent number, and you’ll have your new car to boot.
Having a reliable car can be a gateway to greater things. A better job somewhere you can commute to, a better credit score, and even the ability to turn a profit on your used car once it is paid off. It’s easy to get discouraged if you struggle with credit, but it shouldn’t get you down. Know you are not alone, that it is something that can be remedied, and that you still have options for financing big purchases like a car.
AutoNow of Olathe, Kansas, is one of the leaders in quality used cars for a variety of potential car buyers. We are committed to providing comprehensive service options to customers across Kansas and Missouri and have multiple locations in each state. In service for over 20 years, our salespeople are competent and willing to go the extra mile to help you buy a car if you have poor credit. Start by filling out our online application to see how much financing you qualify for, and we will help you with the rest!
If you came to this article with a headache from all the car buying hoops you’ve had to jump through already because of your credit, please don’t turn away from what you’re about to read. Buying a car with less than perfect credit can be discouraging because popular culture makes it out to seem like one of the hardest things a person can do. Realistically, if you have credit issues, you can’t expect to finance something like a Corvette, but there are ways around saving up half a year’s salary and paying exorbitant amounts of interest to buy a new to you car.
Here are some things that you should consider when buying a car with less than perfect credit. Most of the time, these considerations are overlooked when car buying is on the docket, but keeping them at the back of your mind will save you time, money, and frustration when the time comes for getting a new car.
Are you one of those people who just knows that their credit is bad and doesn’t want to address the issue? In a recent Money Tips survey, nearly 30% of the people who responded said that they didn’t know their credit score, and many of those who avoided looking up their credit score were doing so because they were afraid to look. However, during the car buying process, you should look at your credit score regardless of whether or not you think it is low. Credit scores change reasonably frequently, and therefore, you’ll want to stay ahead of the businesses through which you are trying to finance. Otherwise, you might find that you are being taken advantage of.
The sad reality of financing a new car is that it is nearly impossible to get a decent loan through traditional means if you have past credit issues. This shouldn’t discourage you from getting the help you need, however, it is essential to know that banks and credit agencies will either deny you a loan or will hike up your interest rates on a loan -- and when you are paying off that loan at a regular pace, that can make a significant impact on your finances.
Going through an alternative means of financing, such as buying through a used car dealer like AutoNow of Independence, will save those with less than perfect credit time and money.
The chances that you’ll be able to buy the newest make and model of a car with a less than perfect credit score are relatively slim. New car dealerships usually will not finance their vehicles to those with credit issues, and banks might, but it will be a hassle. However, there are many affordable and reliable used car options that can be just as nice as a brand new car.
A myth that people with poor credit face is that they have to buy the “Craigslist Special” because they have no other option. After being denied loans and financing routes, many with credit issues revert to buying a junker car outright. The problem with junker cars is implied in the name -- they only provide a small fix. Chances are, that car will break outright before you can mend your credit enough to get a traditional loan.
Buying through a buy here pay here lot like AutoNow of Independence ensures that you will get a certified pre-owned vehicle that comes with a warranty. Any used car being sold with a warranty will save you money. It shows that the company selling the car takes pride in their vehicles, and it makes sure that if anything out of your control goes wrong, you won’t have to pay for it.
Not asking questions during any complicated process is a rookie car buying mistake. Even if you think you trust the person selling you your car, you should make sure to ask questions throughout the process. At the least, asking questions will help you when it comes time to pay for your next car. At best, it will prevent you from being overcharged on things during the car buying process.
Rebuilding credit is a tricky process. It requires you to pay off the debt you already have while also accruing more lines of credit. However, if you have poor credit, obtaining these lines of credit is extremely hard. It is possible to rebuild your credit while paying for your car, and one of the best ways to do that is with a buy here pay here car. When you’ve been denied loans in the past, buy here pay here cars will approve you for financing and will let you rebuild your credit while you pay for your vehicle. It’s a win-win situation -- you get the car you need while also improving your credit score.
Don’t settle for traditional loans and lines of credit when you have credit issues. These lending options often don’t pan out, which leaves potential borrowers feeling frustrated and inadequate about their situation. Financing a car through a buy here pay here car dealership is one of the best options for getting a vehicle that those with credit issues can take. They will spend less time filling out paperwork and getting approved, and will ultimately pave the way for better lending opportunities as they improve their credit score.
Are you looking for an affordable car? You’re not alone. In 2015, nearly 33,000,000 used vehicles were sold in the United States, and the market for used cars just keeps growing as more and more young people and people with previous credit issues seek out pre-owned vehicles. In this race to buy a used car, many first time buyers are confused about the best way to buy one. Apps that support buying secondhand from a previous owner are at an all-time high, but how has that impacted the auto mechanic industry? Statistics showing a deep dive into the profits of the auto mechanic industry are few and far between, but stories about unreliable cars are not.
Stories about unreliable cars usually do not come from certified pre-owned dealerships, although these dealerships often bear the brunt of the criticism about used car sales. Buying a used car can seem like a risk because of the way that media portrays car salespeople. However, buying a used car from a buy here pay here lot can be beneficial to your credit as well as providing you with a great buy here pay here car. The key to finding an affordable vehicle with buy here pay here financing is to know how to look for the right one.
Buying anything online, let alone a massive investment like a car is always a gamble. This is not to say that every person advertising their used car online is a swindler -- mainly, it is to say that most people selling their cars online cannot guarantee that the vehicle they are selling will make it a year without breaking down. When it comes to cars, affordability doesn’t stop at the base price. Buyers have to factor in how many times the car will go in for repairs, what types of basic maintenance it will need to run properly, and what the projected lifetime on that car is.
Buying from a certified used car dealership is a way to save money in the long run. Their expertise translates to the cars that they sell, and they will be able to guarantee that your investment won’t be in vain.
But how do you find a certified pre-owned car? If you’re looking at dealerships, like AutoNow of Independence, Missouri, they’ll tell you. Used car dealerships who offer certified pre-owned vehicles take pride in their stock and will let you know that they’ve been inspected. While some certified used car dealerships stop at the inspection, letting the potential buyer know about everything that is wrong with the car, the most reliable buy here pay here dealerships will fix the issues before they put them up for sale.
This is where a warranty comes in. It’s normal for new cars to have a warranty, but did you know that many buy here pay here cars come with some form of limited warranty? This type of warranty is critical for potential car buyers to notice. It shows them that the dealership is confident in the reliability of this car, which means that you won’t have to deal with significant repairs due to the integrity of the vehicle itself. Significant repairs are guaranteed at some point in the life of a used car, but that doesn’t mean they have to come in the first two years of owning a used car. Put faith in the cars that say they are worth their salt with a warranty.
Especially for those with a varied credit history, seeking out a buy here pay here car is one of the most affordable ways to find a vehicle that works for you. Regardless of your credit history, buy here pay here car financing will allow you to work around your base monthly income and financial obligations to find a car that meets your needs. The chances that you’ll get the exact make, model, year, and color car that you’ve always wanted are slim. However, you’ll be able to take pride in a vehicle that works and usually find one you like with a buy here pay here car.
Buy here pay here financing is simple. First, you fill out an online application or apply in store. The buy here pay here place will make sure that you meet all their qualifications, then they will approve you. Once you are approved, you’ll be able to shop for cars within the lending limit you were provided. This process is unique to buy here pay here cars, and the goal for this process is to avoid overspending on a vehicle.
Don’t buy the first car that you see on a lot. You’ll want to, especially if you’ve given the third degree to all other car purchasing options. But if you work with a buy here pay here car salesperson, chances are they will lead you in the direction to cars that work for your lifestyle. Additionally, if you don’t see something on a car lot that you like by default, don’t be afraid to shop around. You’ll want to buy something that works for your budget and circumstances, but you don’t have to settle for a car you don’t like.
Finally, acknowledge that finding an affordable car with buy here pay here financing will be different from finding an affordable new car or even finding a car for sale by a previous owner. There is a separate process for each of these car buying situations, and it is vital to keep an open mind to get the best for your money and time.
AutoNow of Independence, Missouri, is committed to finding you an affordable car with buy here pay here financing. We provide financing options to all our customers, regardless of their credit history, and we get to know everyone who comes into our locations so that we can help them get the best possible car for them. If you require a car and want to get started, apply online for financing. Upon approval, we’ll walk you through our inventory and get you everything you need to get back on the road in style and with a little extra money in your pocket.
Myths are part of human nature, and they didn’t stop when technology began to dominate our lives. Perhaps the most persistent myth in American culture is the myth of the dirty car salesman-- a man so focused on selling his inventory that he’s able to charm all types of customers into buying cars, even if those cars have one foot in the grave. This myth has survived through decades of car sales in the United States, but there is little evidence to suggest that the sneaky car salesperson is anything more than just a tall tale meant to scare children into their adulthood.
The real story is that there are ups and downs to every car buying method, and that should not discourage those who need help with purchasing a vehicle from getting the car they need from a buy here pay here car dealership.
Are you stuck in a car buying loop? One where you apply for credit from a typical credit agency and find yourself being denied over and over again? Or, perhaps you’re one of those people who just can’t trust themselves to buy used from a previous owner because of your lack of car knowledge? Whatever your situation, a buy here pay here dealership like AutoNow in Belton, Missouri, is here to help you with your car buying process. Here are the top five reasons you should consider buying your next car from a buy here pay here car dealership like AutoNow of Belton.
Those with past credit issues often find themselves stuck between a rock and a hard place when it comes to purchasing a car. New car dealerships are incredibly selective in who they lend to, which often means that potential customers are denied the opportunity to buy a new vehicle through their financing options. Likewise, banks and credit agencies also base most of their decisions on credit scores. Therefore, if you have less than perfect credit, the chances that you will be able to get a loan without a steep interest rate are slim to none.
Buy here pay here car dealerships offer financing options for anyone. Do you have a lower credit score that has been preventing you from getting the car you need? Not to worry. Buy here pay here car dealerships will work with your monthly financial needs to lend you a rate that works for you. But you don’t just have to have poor credit to buy from a buy here pay here car dealership. Anyone can apply for financing through one of these dealerships, and everyone is approved as long as you make a certain amount of money each month.
Unlike applying for a traditional loan, you don’t have to deal with wait periods. Apply for buy here pay here car financing from the comfort of your own home. Once you are approved, which usually does not take more than a few minutes, you’ll be guided through a listing of cars that meet your lending limit. You can choose from those cars and stop by the dealership to fill out the rest of the paperwork. With traditional lending options, you often wait weeks before you hear back from your bank regarding your loan.
Don’t settle for weeks of waiting. Get the car you need today from your local buy here pay here dealership in Belton, Missouri.
Although this is not a worry with new cars, there is always the fear associated with buying used that you will no sooner put the money in the hands of the person selling you the car than it will break down, leaving you with less money and a more significant problem to deal with. This situation is part of the used car salesman myth, but it shouldn’t dissuade potential buyers from looking into purchasing a car through a buy here pay here dealership.
Why? Most buy here pay here dealerships are certified pre-owned. To have that designation, there are certain things that a used car dealership must do, including disclosing everything that is wrong with a car to potential customers. The difference between a certified pre-owned dealership and a great certified pre-owned car dealership is that the great dealership will take care of these issues before selling it and will offer a warranty. These are all things that AutoNow of Belton provides its customers. We take pride in our inventory, and we make sure that you get only the best each time you buy a used car.
A good buy here pay here car lot will do more than just give you a new car. Buy here pay here sales are significant financial investments, and essentially are lines of credit. Each on-time payment is reported to credit agencies, which means that paying off your balance over time helps your credit. While you might not need another car loan in the future, improving your credit score can help you get a loan for a house or another big, non-car related purchase.
Finally, buying a used car can also be a hassle because there is an overwhelming number of postings on second hand sites that are of terrible, unreliable vehicles that no one really wants to drive. At buy here pay here car dealerships, you don’t have to sift through all the terrible cars to find an affordable and quality vehicle. Our wide selection of quality cars makes the process easy, and working with one of our knowledgeable sales agents saves you precious time.
Get your next car from a buy here pay here dealership and find out how much time and money you can save. If you live in the Belton, Missouri, area and require a car, stop by our location on East North Avenue. We’ll walk you through application and approval and will make sure that you drive away with the best transportation for your situation.
Although over 30 million Americans bought a used car last year, the science behind the purchase of a used car has always been contentious. Many people swear by used car dealerships, but many also opt for the private seller when looking for a vehicle that is new to them. The reasons for choosing each situation vary. From credit history to thoughts about big businesses, the best way to know whether you should buy a car from a dealership or a private seller is to examine the benefits of each.
Buying a car is a personal act. It’s layered, and can only be attempted with a deep dive into your own life. That being said, consider the advantages of both used car purchase options before settling on a purchase path for your next used car.
Ultimately, the decision to buy from a dealership over a private seller will be up to your preference. In most instances, people seek out buy here pay here dealerships and other used car sales options because they will usually offer in-house financing. It is tough for people to save up the full amount of a car, but it can also be hard to get a loan for a car if you have past credit issues. If you are someone who has credit issues but also needs a car, a dealership would be your best option unless you have the full amount for a vehicle saved up.
Otherwise, a dealership is always the path of least resistance. Because they must meet federal standards, you are less likely to get a car that breaks down on you within your first year of owning that car. You’ll be able to pick out of a selection of greater quality vehicles. Finally, you won’t have to do weeks’ worth of research to find the car you need -- chances are, if you are shopping at a dealership, you’ll be able to find a vehicle that is right for you fairly quickly.
Still on the fence about whether to buy a car from a private seller or a dealership? Let AutoNow of Belton, Missouri, help convince you to buy from us. We offer a wide range of used cars from all years, makes, and models. Additionally, we stand behind every vehicle on our lot and offer 24-month limited warranty on them. Our cars are our livelihood, and we know that a great vehicle can make a difference in your livelihood. Don’t take a chance on getting a lemon through a private seller. Stop by our location on East North Avenue in Belton to find a used car fit for your needs.
Buying a car can be a hassle - we all understand that. You have to make sure you have the money for a down payment, you have to go through the process of applying for a loan, and eventually, you spend years paying off that loan with no guarantee your car will stick around to see the end of that investment. It’s enough to make you want to swear off car financing completely.
But car financing doesn’t have to be an utterly thankless situation. In-house financing at buy here pay here lots like Auto Now have advantages regardless of your credit history or financial situation. Here are the top five benefits of in-house car financing.
Buying a car from a dealership or a third party requires a formidable amount of pre-planning. First, you must do your car shopping. This is arguably the most exciting part of the car buying process, but the excitement often ends there. Unless you have the full amount for the car saved up, you will likely need to take out a loan from your bank. To get approved, you must first visit your bank, bring in all your income information, and then the bank will run a credit approval. For those with previous credit issues, this part can be devastating - often leading to the hope of a new car without fruition. Even the slightest credit issues can cause denials, which leads to more financial searching and planning. The process can take days at best, weeks at worst. No one has time for that.
In-house car financing allows you to search for, purchase, finance, and drive away with a car in one streamlined process. It is a one-stop shop for all people, regardless of credit history and with a very minimal base income.
For those with previous credit issues, it can be a nightmare to finance from a bank. Almost half of Americans have some sort of credit issue, so it is practically unbelievable that banks would pass up the opportunity to help a majority of the population. If you have credit issues, working with a buy here pay here car dealership can be to your advantage. However, it doesn’t mean that the only people who can shop at one of these establishments are people with a previous credit history. Anyone can finance a car, regardless of history, and it takes less time to pay these off.
Additionally, anyone with credit issues knows how hard it can be to rebuild credit. It requires time, access to other credit accounts, and a diligent payment schedule. This can be excruciating and unachievable without the right help. After all, you have to be approved to take out a new line of credit, and it is hard to get that approval without a stellar credit record. And even if you do manage to get credit approval to improve your credit score, it likely will come with a hefty interest rate. In-house financing is based off income rather than credit score, and on-time payments over a short period are a great way to both assure approval of a credit account as well as rebuild your credit quickly.
Even if you have access to a bank loan, the number of reliable used cars available can be very slim. You almost certainly won’t find exactly what you are looking for, and even if you do, the chances that the attributes you are looking for in a car will also come from a well-functioning vehicle or one that provides the type of transportation you need are relatively small.
Used car lots are great for this, but many require you to have outside financing or the total cost of the car up front. If you are looking at a used car lot for a reliable car that has something you want and need, why not also go to a car lot that offers in-house financing? Places like Auto Now have a greater selection of quality used cars at a price you can afford and with financing options that work for you.
Although tools like Carvana, Craigslist, and the many third-party seller apps available today can be fantastic for purchasing second-hand items at a great rate, there is always a gamble. Loan organizations, like banks, understand this and often have a cap on how much they are willing to lend to you so that you don’t overspend on anything. Additionally, even if you do get the loan for the amount you want, there is no guarantee that the car you’ve been eyeing from a third party site is worth its salt. Most people are not trained mechanics, and taking a car you might potentially buy to the mechanics is an added hassle on top of the many other steps car buyers must make in the process.
When you take advantage of in-house financing, most buy here pay here car dealerships will have offers on cars that are just as good as the offers you can find online and in apps. Additionally, the finance offers you get from buy here pay here establishments will be used well on a car you know you can trust. At Auto Now, we stand by our vehicles and offer all our customers a 24-month warranty on the cars they buy from us. We stand by the idea that our trustworthiness is key to the way we do business, and we take pride in the financing offers we make and the cars we offer.
Still on the fence about getting a car from somewhere with in-house financing? Let Auto Now convince you to make an excellent financial decision. Fill out one of our online applications and come into our store on 79th and Wornall in Kansas City, Missouri. We’ll walk you through all the advantages there are to in-house car financing and get you started on adding a quality new-to-you car to your life.
Buy here pay here car dealerships are too often misrepresented by popular media. Written off as high-interest, low-reward investments, the average person would be shocked to know that there are many benefits to purchasing a car from one of these establishments. With in-house car financing and a large selection of used vehicles, buy here pay here dealerships are helping more people get the car they need regardless of their credit history. If you’re on the fence about buying a used car from a lot like Auto Now, continue reading to learn more about the benefits.
If you’ve been through the car buying process before, you understand how frustrating applying for financing can be. It is hard for both those with good credit and those with complicated credit alike. Obtaining one from a bank or a credit union is a few-day process that involves invasive credit procedures and wait periods. For those with credit issues, there is no guarantee that this effort will even result in a loan. But even for those with outstanding credit, certain reported items on a credit check can result in high-interest rates and a slower disbursement time for their loans.
In-house financing, offered at buy here pay here establishments, has multiple benefits over traditional lending options. Speed is one of the most significant benefits, impacting all the people who apply for financing. Because it can take as many as three weeks for traditional loans to disburse fully, there is no guarantee that you will get the money you need in a timely fashion. This becomes an issue when your livelihood depends upon public transportation, when you have a family that relies on a car for its needs, or even when you are on a time limit for the purchase of a vehicle. With buy here pay here establishments, you are generally able to get the money and the car that you need in a timely fashion - often even on the same day you show up to the dealership.
Additionally, if you have previous credit issues, you will have no problem getting a loan. Buy here pay here dealerships offer to finance to anyone, including those who might have a lower credit score. At the same time, paying off a loan from a buy here pay here dealership also helps rebuild credit, so it is an excellent option for those that might have credit issues and want to rebuild their credit.
Buying a used car always seems like a gamble, especially if it is from a third party or an independent seller you don’t know. To be a certified used car dealership, you must meet specific federal standards - these include, at a bare minimum, exposing everything that is wrong with the car before offering it up for sale. Auto Now offers a variety of used cars, and while we do offer a vehicle history with each vehicle that we sell, we also offer a 24-month warranty on our cars. Our reputation depends upon being clear about the cars we sell, and therefore we know how important it is for our buyers to get the best the first time around.
Buy here pay here can be misrepresented as an option only for those with poor credit. This is because these types of car lots will offer to finance anyone, regardless of credit history. However, the beauty of a buy here pay here car lot is that they are for anyone.
Had issues getting a loan due to time, credit history, or other reasons? All you need is a base income to get a loan at Auto Now. We help you find a payment schedule that works with your financial needs.
Need a car based around a specific time constraint? Auto Now has you covered and can get you the vehicle you need quickly.
Buy here pay here lots are affordable, reliable, and convenient options for those wishing to buy a quality used car. There are no limits on your credit history, and there’s a wide selection to choose from.
Anyone who has taken a loan out for school or another reason understands that it can take years to pay off a loan with a high balance. Traditional loans are designed to be paid off over many years. Their minimum payments are advertised as “comfortable” and dependent upon your income, but most are set up to get the maximum amount of money from the borrower over time. Spending less time paying off a loan is obviously the best answer to spending the least on a loan, but the way the traditional loan payment is set up allows people to forget to pay extra on their monthly payments, pay the minimum amount due, and ultimately extend the period of time they spend paying back their loan.
Loan options from buy here pay here car lots are set up to be repaid in the quickest possible time. This not only allows you to repair your credit quickly, but it also allows you to spend less over time. The trick is understanding that you will pay larger monthly payments than with a traditional loan. Because the fees are based on your income, however, the monthly payment amounts will not be more than you can pay. Buy here pay here car dealers, like Auto Now, are committed to providing the best deals to their customers.
If you got to this page by typing “buy here pay here car near me,” look no further. Auto Now has been a Kansas City staple, helping all Kansas City residents get the cars they need regardless of their credit history. If you live near 79th and Wornall in Kansas City, stop by to get started on getting the new-to-you car you deserve. Even save some time by applying online or browsing our selection of vehicles before you come in. Don’t give up on your search for a quality used car - visit Auto Now and see how you can benefit from a buy here pay here dealership.
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.
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.
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.
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.
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:
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.
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.
“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.
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.
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.
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.
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