Best Car Lots to Buy a Car if You Have Poor Credit

Are Buy Here Pay Here Car Lots a Good Choice if you have Bad Credit?

Buy here pay here car lots help individuals get into much better vehicles, even if the person has a checkered credit history.

For people who want a nicer vehicle but have had credit problems, buy here pay here dealers, like Auto Now in Olathe, Kansas, offer an opportunity to get the credit they deserve to purchase a vehicle that they will enjoy.

Traditional lending sources, such as banks, may not give an individual the credit they need when they need it, but buy here pay here dealerships have much less restrictive lending rules than traditional lenders have. Buy here pay here car loans indeed have many benefits.

How does Buy Here Pay Here work?

With a buy here pay here loan, the dealer also works as the lender. At a traditional dealership, this does not happen. Usually, the dealer will try to pass your credit application through to another lender. They usually perform various credit score checks, and if the buyer is approved, they will get a loan, but if they are not approved, they will not get the loan or be able to buy a car. Many of these third-party lenders, like banks and credit unions, can be more restrictive in who they lend to, and this means many people aren’t approved.

Buy here pay here dealers do not pass your credit application to a third party. Instead, they will try to approve potential buyers themselves. These dealers finance the vehicles themselves, and this reduces the hassle and time of having to find a third-party lender.

Buy here pay here dealers may need certain documents, like proof of the buyer’s take-home income and a driver’s license, but they are more willing to lend to individuals who do have poor credit because they understand the importance of helping people get into a reliable vehicle to drive to work or school.

On many occasions, a dealer will review a buyer’s information and match them with payments that work well for them. This can be a good opportunity for people on a tight budget, but who can still make their payments if someone accommodates them with a favorable payment schedule. This can lead to individuals getting the vehicle they want, getting the vehicle quickly, and not having to worry about their credit history.

Consider Auto Now for Your Next Used Car

Auto Now is a long-standing buy here pay here dealer in Olathe and across Kansas City. Auto Now is one of the top car lots in the area to turn to if you have bad credit. Our great service, excellent selection, great deals, and value-adding services make us a great option for anyone who is looking to buy a gently-used car.

We are on a mission to help good people get into the cars they want, need, and deserve. Auto Now delivers excellent service to its customers, even after the transaction has been made. We understand that some people have bad credit, but need a reliable used car to get around in.

Our focus is on ensuring that people are not restricted in their choices the same way that they are by traditional dealerships. This is one reason why Auto Now is one of the best buy here pay here car lots in Olathe to buy a car if you have a poor credit history.

Auto Now Benefits

With a traditional dealer, people must worry about their credit history, how it will be judged, and if they can get the used vehicle they desire. Buy here pay here lots, such as Auto Now, ease the burden of being rejected and not being able to get the vehicle a person desires, because we don’t judge you on your credit score.

We think we do a great job of communicating with the buyer about our on-the-lot financing options so that we can help you find a vehicle that fits in your financial situation. This eases stress for you, and means we are only concerned with finding the right vehicle for you.

Auto Now can help people tailor a payment plan that works specifically for you, based on your current situation.

We make the painful process of purchasing a vehicle enjoyable. This is because buying and financing are not separated at a dealership. We understand a person’s financial needs and vehicular needs. Not only are we concerned with the financial transaction, but we care about people as well. This is very different from the way a traditional dealer operates.

Another key feature at Auto Now is that it does not take long to process a loan application, compared to the lengthy amount of time it can take to get approved by a third party. In fact, you could be approved in as little as ten minutes! These features are why Auto Now is one of the best car lots to buy a car if you have bad credit.

Requirements to Get Approved

Auto Now has very basic and easy requirements to get a loan. You need to be 18 years of age, have a valid driver’s license, and make $1,200 each month after taxes. If an individual meets those basic requirements, we can process their loan extremely quickly.

Selection

Auto Now can help individuals with bad credit get a nicer and newer car—not only because of our ability to help a borrower secure a loan, but because we have a wide selection of quality and affordable vehicles at six locations in the Kansas City area. Browse our selection of amazing vehicles online, and you’ll see there is something for everyone who wants to have the pleasure of getting a vehicle they will enjoy from Auto Now.

Service

Auto Now offers great services if you buy a vehicle from us. For example, all our vehicles come with a 24-month/24,000-mile warranty that will help you if you encounter problems with your vehicle. Auto Now doesn’t just care about making a sale; we also care about helping people long after the sale has occurred. This is another reason why Auto Now is one of the best car lots to buy a car, especially if you have bad credit.

Choose Auto Now in Olathe, KS

People can often have their credit history used against them. That is not the case at a buy here pay here car lot like Auto Now. We make the process of getting a car loan much easier, have a wide selection of vehicles, and care about delivering excellent service long after the sale. These are some of the reasons why Auto Now is a great lot to buy a vehicle for those with imperfect credit scores.