How to Buy a Car With Poor Credit in Belton, MO

January 13th, 2020 by

Can I Buy a Car with Poor Credit in Belton, MO?

If you have ever been without a car then you know it is very difficult to be everywhere you need to be without one. Whether you are trying to get back and forth to work or getting the kids to soccer practice, modern life often requires quick access to reliable transportation.

Unfortunately, most people cannot afford to purchase a vehicle with cash. The typical car buying experience involves borrowing money from a bank or other third-party lender to purchase a vehicle from a car dealership.

So what do you do if you have poor credit and can’t get a loan approved from a traditional lender but find yourself in need of a vehicle? Is it even possible to buy a car with less than perfect credit?

Where Can I Get Poor Credit Car Financing in Belton, MO?

Fortunately for many hard-working men and women, it is possible to purchase a reliable car regardless of your credit history. In fact, it is not only possible but easy. Buy Here, Pay Here dealerships offer car purchasing options to everyone no matter what their current credit score is. Buy Here, Pay Here dealerships also take many of the hassles and frustrations out of purchasing a car.

The typical experience from a traditional dealership involves signing a contract that is then passed along to an auto lender or bank that may or may not approve a loan for your purchase. These types of auto loans involve credit checks and often require a good credit history.

Buy Here, Pay Here dealerships, on the other hand, are usually open to working with customers who may have a problematic credit history. This makes them ideal for people trying to reestablish credit who need a vehicle now.

What Is the Process of a Poor Credit Car Loan?

At a Buy Here, Pay Here dealership, financing is usually discussed first. This allows the dealer to take the customer’s financial situation into consideration when helping them to choose a vehicle. While this may limit the choice of vehicles available to you, it will also eliminate the disappointment of choosing a vehicle only to find out later that you cannot secure a loan for money needed.

Because both the purchase of your vehicle and your financing are taken care of by the same company the auto purchasing process is much quicker and easier. Many Buy Here, Pay Here dealerships have simple eligibility requirements. For example at Auto Now you only need to meet the following criteria.

  • Be at least 18 years old.
  • Have a valid driver’s license.
  • Have take-home pay of at least $1,200 per month (after taxes).

As you can see, most applications can be completed with a valid driver’s license and your most recent pay stub.

Why Choose Buy Here, Pay Here?

Purchasing a car from a Buy Here, Pay Here dealership turns car shopping into a true one-stop experience. Not only do you purchase and finance your vehicle at the dealership. You also make your car payments at the dealership. No more sending payments to some lender you’ve never heard of possibly in another state and wondering if your payment is going to get there in time. Instead, everything is local. You can go back to the same dealer to make your payments or sometimes even make them online. Either way, if there are any issues, you know to whom you are dealing with and how to contact them.

When purchasing a vehicle from a Buy Here, Pay Here dealership you have the comfort and convenience of knowing exactly what you can afford before looking at vehicles. This removes a lot of the stress, guesswork, and haggling that is typical of most car-buying experiences. This makes it a great choice for first-time car buyers who might otherwise overestimate what they can truly afford and set themselves for failure and all the credit implications of late payments, or even worse — repossession.

Those who find that they need to shop for a vehicle on a tight budget will also appreciate being able to work out the finances first then find a car that fits both their needs and their financial circumstances. In the long term, this is less stressful and more financially sound than the traditional method of finding a car then trying to make your finances fit the car.

Visit a Buy Here, Pay Here Dealership in Belton, MO

Whether you have credit problems, are a first-time car buyer, or you’re just looking for a simple streamlined car purchasing experience, buying your next car from a Buy Here, Pay Here dealership can be the solution you are looking for.

With purchasing and financing both handled by the dealership and few credit requirements, Belton Buy Here, Pay Here dealerships can offer you a hassle-free shopping and financing experience. They will help you to determine what you can afford and secure your financing then find a car that meets your financial needs.

As the vehicles are located there on the lot right where you’re getting your loan, the process of buying a car is greatly streamlined. You can find out how much you can be lent, choose your car, and drive away the same if you want to.

So if you find yourself in need of a vehicle check out a Buy Here, Pay Here dealership near you and let them help you find the car you need at a price you can afford. Auto Now in Belton should be your first choice, as we offer a wide range of vehicles in great condition that you can drive away in today, even if you’ve had credit problems in the past.