Car Financing Options for those without Perfect Credit

December 20th, 2019 by

Looking to buy a car but having trouble due to credit issues? Regardless of credit history, buying a car has never been easier with Auto Now in Olathe.

How can you buy a car with poor credit? As a Buy Here, Pay Here dealership in Olathe and other locations across Kansas and Missouri, Auto Now is your one-stop-shop for buying and financing a used vehicle. Auto Now is different from the traditional bank lender in that we do not discriminate based on previous rejections, bankruptcies, repossessions, or other credit problems — we are here to give second chances to people who need them the most.

Auto Now works with customers to incorporate all the relevant factors that they want in their car loan: vehicle make and model, down payment, loan terms, and more. And, with only three requirements that need to be met in order for financing approval, you’ll be cruising around in your own vehicle in no time!

About Auto Now

Auto Now is a regional auto finance company with locations in Kansas and Missouri that believes that everybody, regardless of credit history, deserves reliable transportation. For twenty-two years, Auto Now has been locally and family-owned and operated with the express intention of giving people second chances regardless of bankruptcies, repossessions, and other setbacks that happen in life.

Inventory

Auto Now has over 500 vehicles to choose from, with a diverse range of makes and models. In addition to regular hatchbacks, coupes, and sedans, Auto Now has SUVs, trucks, vans, wagons, and even hybrids and convertibles! Some of these vehicles come from new car dealership trade-ins, while others come from auto dealer auctions and others still are bought by Auto Now from customers directly. Auto Now’s knowledgeable car buyers know how to find the best cars for the best value, and this value is passed down to the customers through reasonable monthly payments.

With over 500 vehicles that have a variety of down payments and monthly payments, it can be overwhelming to know which car to choose. However, Auto Now has trained Approval Specialists to help buyers determine which vehicle will best fit their needs and their budget.

Inspections and Warranty

There’s no need to worry about buying a lemon—all Auto Now vehicles in Olathe receive a comprehensive inspection from local auto mechanics that are highly knowledgeable and qualified. All cars deemed unsafe or unsound are returned to auction or wholesaler, so we can ensure that buyers receive top-quality cars. Be aware that cars might have minor cosmetic defects in order to keep your payments low, but mechanically, all cars are safe and operable.

All vehicles come with a 24-month/24,000-mile powertrain warranty. This warranty pays for the entirety of covered parts and labor, and the customer is only responsible for their $200 deductible. All six of our locations are available to answer questions about this warranty but know that Auto Now has got you covered for the first two years.

Poor Credit Car Financing Approval Requirements

There are only three requirements that must be met in order to be approved for auto financing in Olathe. First, Auto Now Buy Here Pay Here car lot only loans to individuals who are at least eighteen years old. Next, only individuals with a valid driver’s license are able to buy and finance an Auto Now vehicle. Lastly, individuals will also need to have take-home pay (after taxes) of at least $1,200 per month. Anyone meeting these three eligibility requirements will be approved, guaranteed!

Approval Process

Unlike other auto dealerships and lenders, Auto Now can approve a buyer in as little as ten minutes! Buyers who meet the three Buy Here Pay Here financing requirements (i.e. are at least eighteen years old, have a valid driver’s license, and have a take-home pay of at least $1,2000 per month) will need to bring some documents in with them. The required documents can vary, but usually, buyers will need to bring their valid driver’s license, a few of their most recent pay stubs, at least one utility bill, and their phone bill. The amount varies by car, but buyers should also bring a down payment (in cash or money order) for the delivery of their vehicle.

There’s little doubt that Buy Here Pay Here financing is one of the fastest ways to get a vehicle whether or not you’ve got good credit.

Payments

How are Buy Here Pay Here repayments arranged? Auto Now has a variety of payment plans but focuses on short-term loans in order to get your car paid for and in your name as quickly as possible. Loan term lengths are, on average, significantly shorter than the standard 60- or 72-month leases, meaning average monthly payments will be around $300 (or $75 per week).

In order to make monthly payments, customers can pay via check or money order at any of Auto Now’s six locations across the greater Kansas-Missouri area. There are three locations in Kansas: Topeka, Olathe, and Wichita. In Missouri, there are three additional locations: Independence, Belton, Kansas City.

Alternatively, customers have the option to pay over the phone or online, or with an Easy Pay direct debit option. These diverse payment options make it easy to pay your way, anytime, anywhere.

Conclusion

There is no doubt — Auto Now in Olathe is the place to go if your credit has prevented you from getting the reliable and affordable transportation you need to live your life. It allows customers to forgo the traditional process of finding a car they love only to be denied or given inflexible loan terms by a bank lender after the fact.

Auto Now works with customers to find the car of their dreams with loan terms that make their practical budget work. With six locations across Kansas and Missouri, flexible loan terms and payment methods, a superior and diverse inventory, and unmatched customer service staff, Auto Now is here to help you with your vehicle purchase experience, regardless of your credit.

Posted in Financing, Poor Credit