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

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

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

Save Time

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

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

Save Money

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

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

Save Yourself a Headache

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

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

Rebuild Your Credit

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

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

Work With Knowledgeable Salespeople

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

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