5 Perks of Buying from a Buy Here Pay Here Dealership

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

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

Check Out Out 5 Perks Of Buy Here Pay Here

Buy Here Pay Here Dealerships Offer In-House Financing

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

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

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

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

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

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

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

Their Inventory is Much More Diverse Than Other Dealerships

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

You Can Get a Car Quickly

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

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

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