Best Ways To Buy a Car With Past Credit Issues

Since 2008, financing for a vehicle has become tougher especially for buyers with credit issues. Life can happen when we’re not looking. But sometimes when we take a moment to stop and look, it’s too late. They say hindsight is 20/20 meaning that looking at everything in the past is easy to judge, compare and determine what went wrong and how it could have been different. Affordable and reliable vehicles, especially throughout the greater Wichita metro area, can be an essential part of life and a means to move forward. Many of us have had credit issues or no credit at all. When buying a car with credit issues, you can unfortunately be met with few to zero options creating a cycle which is hard to rise up from.

What can you afford?

In many things we do, it’s important to have a starting point and direction. This helps us understand where we’ve been and where we intend to head. Before heading out to a dealership or dreaming of that ideal car and finding it online, it’s important to crunch some numbers. What is your weekly, monthly, and even yearly financial outlook? Do you have a budget that can accommodate an upcoming car payment? Once you come up with a figure, use that as your starting point. From Maize, Haysville, Park City, Andover, Bel Air, Schulte, Derby, Oaklawn-Sunview, Greenwich, and the surrounding Wichita area, Auto Now has a wide range of inventory to fit your budget and needs. Once you figure out your budget and an idea of what type of used vehicle you’re looking for, swing by our dealership to get the process rolling. Our staff of experts are here to help and using a buy here, pay here dealership program means you’ll never deal with an outside third party. Everything is done in-house from start to driving off the lot.

What do you need?

After figuring out a budget, begin doing some brainstorming about the type of car you’ll need. Do you have a large family that needs to be driven around? Maybe a van or SUV is the best option for you. Are you a career-driven professional needing a basic vehicle to get you to and from work with occasional weekend warrior trips? Auto Now has a vast inventory of used vehicles to fit all needs. Part of the car-buying process is to visualize yourself in the vehicle a week, a month down the road. Deciding your bare-minimum requirements is important as is deciding what amenities you can live without. Is color important to you or do you absolutely have to have a sunroof? Write down your thoughts and one of our team members will be happy to get you in the car that best aligns with your needs.

Research and Reviews

So you’ve figured out what you can afford and you’ve taken notes on what you want and what you need. Fantastic! You’ve made it past a few huge hurdles that can be a daunting part of the car buying experience. With so many new and used vehicles to choose from, each with variations within a make and model- color, automatic or manual locks and windows, a sunroof, tire size, cloth or leather interior, backup camera- the list goes on and can be a bit intimidating. But fear not! That’s a great thing for buying a used vehicle. What options mean is that there’s a greater likelihood of finding exactly what you’re looking for. At our Wichita buy here, pay here dealership alone we have over sixty vehicles to choose from with many more coming in every day.

The advantage of today is not only the quality of the used car market, but the access to information. Once you know what you can afford and what you’re looking for, head online to search Wichita dealership inventory. From the comfort of your home or nearby library, you can search for that exact model you’ve been dreaming of and you can compare with other vehicles. Dig in further and read reviews. Learn about gas mileage and maintenance concerns with various models, this way when you come to Auto Now, you’ll have an idea of what you want and what you don’t want.

Who will finance you?

Now comes the nitty-gritty of having to pay for your next used vehicle. Have you thought about financing? Traditional financing through institutions such as banks, credit unions and even online lenders can be a viable option, however you must had good credit. If you’ve had financial hardships in the past, it can be difficult and sometimes impossible to obtain a traditional auto loan. Our buy here, pay here dealership program has you covered. For over 20 years we’ve been working with our friends and neighbors in the community to get them into reliable, affordable cars, while helping to build their credit. We understand that life happens. In our buy here, pay here program, the dealer is also the lender which means your car buying experience is at a one-stop-shop. As the buyer, you’ll work with our team at Auto Now to arrange an amount for monthly payments you can afford and discuss terms of the loan directly with the dealer.

Keep up with payments?

Congratulations! You’ve gone through the used car buying process and you’ve driven your vehicle off the Auto Now dealership lot in Wichita. Having a vehicle can mean so much to a person in so many different ways. New opportunities that were once unavailable become accessible and the idea of past hurdles fly by like street signs on a highway. With buy here, pay here, we understand credit issues and how they can affect future opportunities. We work together to set up a payment plan that is affordable and can be followed. Building or repairing damaged credit begins with making timely payments on or before their due date. Not only will buying a car with credit issues get you where you need to go each day, but it can help establish a solid financial foundation for your future.