Are There Dealerships in Belton That Have Buy Here Pay Here?

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 Buy Here Pay Here dealers are the answer, as they don’t have to follow the outdated methods of the banking industry.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.

How to Buy a Car with Poor Credit

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.

Can I Buy a Car if I Have No Credit History?

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.

How Do Buy Here Pay Here Dealerships Work?

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.

Completing the Purchase

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.