Buy Here Pay Here Financing: Frequently Asked Questions

From towns and cities throughout Kansas and Missouri, Auto Now is a regional financing company with dedication to putting people in reliable and affordable vehicles. Through our buy here pay here program, we are able to help customers and car buyers with credit issues from past financial hardships or financing issues regardless of credit history. Sometimes finding and affording reliable transportation comes in the form of a second chance and our team at Auto Now in Wichita is up for the challenge. We’re here to help and always welcome new customers to come and talk with one of our experts to answer any questions. Many of the questions we do see deal with details of our buy here pay here financing program so we thought we’d share a bit more about it here.

What is Auto Now?

We are a buy here, pay here dealership that is eager to help serve our community and neighbors by helping find affordable and reliable transportation. Through our warranty program and thorough inspection process on all vehicles, we offer peace of mind to customers in our six locations of Kansas City, Independence, Belton, Olathe, Topeka and right here at our used car dealership in Wichita. With over twenty years of experience in the business, we have helped thousands of residents find a vehicle regardless of credit history.

What is a buy here pay here dealership?

A buy here pay here dealership is a dealership that is both the car dealer and the financer. At many dealerships, there are often multiple parties involved. From a traditional lending institution like a bank or a credit union to additional warranty providers to the dealership itself, the process can become inefficient with too many involved. Furthermore, traditional dealerships and lenders tend to overlook customers who have low credit score or issues with their financial history, often disregarding the relationship immediately. With a used car dealership like Auto Now in Wichita, we are ideal for a customer in need of a used car but may have a difficult time obtaining adequate financing due to prior credit history or financial hardships.

How does the shopping experience differ?

As a buy here pay here dealership, we know every penny counts. Because of this, we encourage our customers to consider and research a number of factors in the car buying process. Among many, some of these include:

• What can you afford?
• What do you need?
• Have you done research?
• Have you applied for a loan?

Many traditional dealerships strongly encourage a down payment, a trade-in, or offer long-term financing. The process often starts with finding a car a customer likes, negotiating the price then making the deal. For our buy here pay here used lot in Wichita, Auto Now begins the process in reverse starting with what the customer can afford and any financial history or circumstances that may be relevant. Because of this, the primary benefit of a buy here pay here shopping experience is Auto Now becomes a one-stop-shop simplifying the process.

What’s the process like?

Did we mention Auto Now is a one-stop-shop? From the moment a customer enters the used auto lot in Wichita, our team of experts works hand-in-hand through the entire process. We first figure out what a customer can afford. This helps us narrow down the selection of available vehicles from our inventory as well as making the buying experience less overwhelming. The process allows us to learn the affordable monthly payments and customize loan terms directly instead of through a third-party. The process overall is fast and easy often taking less than 10 minutes to get approved. Before coming in, be sure you:

• Have a valid driver’s license
• Are at least 18 years of age
• Make at least $1200 per month, bring in recent pay stubs.

Having access online makes the car buying experience even easier than before. On our website, you’re able to not only shop our inventory in Wichita and other locations using a filtering process to find exactly the right car for you, but you’re also able to apply for financing through our online application process. All set on finding a car you can afford? You can even make your scheduled payments online through our payment portal!

How can I trust a buy here pay here vehicle?

We can’t speak for every buy here pay here dealership, but we can speak for our inventory of over 500 vehicles across our six Auto Now locations. Many of our vehicles arrive to our Wichita used auto lot and other locations as new-car dealership trade-ins while others are bought by our trusted buyer at auto dealer auctions. We even have some traded with us for which we offer competitive trade-in prices. Regardless of where the vehicle comes to us from, each and every vehicle receives our comprehensive inspection from a local and qualified, independent auto mechanic. If a car doesn’t pass the inspections, it does not find its way onto our used car lot. We may not address all cosmetic repairs in an effort to keep the sticker price low, but the safety and mechanical functionality and concerns are always priority and addressed. To bring peace of mind to our customers, we also have a 24 month or 24,000 mile vehicle coverage on all of our vehicles.

Have more questions? Check out our page of additional frequently asked questions or swing by to visit our Wichita used car lot at 1660 S Seneca St Wichita, KS 67213 (316) 262-3000. Our staff of experienced professionals at any of our six locations throughout Missouri and Kansas are ready and eager to assist you as we have assisted countless people over the past two decades find cars they love.