How to Find A Used Car If You Have Bad Credit in KC

Looking to buy a car? Knowing your options when it comes to dealerships will surely benefit you in the long run. Purchasing a car is a big step in anyone’s life and an investment in one’s future.

Buying a car with bad credit can seem an impossible task. Your bank may only lend you something like $250 as an overdraft. Your credit cards will have a similarly low limit, so how can you buy a new or used car that costs tens of thousands of dollars?

Sometimes, people with bad credit turn to purchasing a car on the private market. They believe they won’t be offered a loan at any establishment, so they look to buy a car that they can afford with cash. Unfortunately, this leaves only some old and beat up cars because no one is going to sell a great car for a small sum of money.

What if you could get a loan to buy cars with bad credit? This is the proposal that Buy Here Pay Here dealerships like Auto Now at 79th and Wornall have been offering for over 30 years.

What Are Buy Here Pay Here Loans?

You may have heard of dealerships that have Buy Here Pay Here loans built into their business model, but do you know what this means? Well, look no further.

Buy Here Pay Here loans refer to dealerships that have in-house financing built into their business practices. This allows buyers to have a one-stop-shop experience. They can find their new car and finance it all in one experience. Consumers set up their loan payments before they drive their new vehicle off the lot.

These businesses must adhere to stricter guidelines, laws, and regulations because they operate multiple services that require higher levels of accountability; therefore, buyers are more likely to find a trustworthy dealership when going to a Buy Here Pay Here loan provider. Not only will all the regulations mean these loan-providing dealerships are more trustworthy, but they will ensure a quicker and more efficient buying process.

Who Benefits from Buy Here Pay Here Loans?

Not all car buyers are the same, but it cannot be denied that most people need a vehicle to get them to and from work, run errands, and complete everyday tasks. Without reliable transportation, it is hard for many to make ends meet. There are certain people that will one hundred percent benefit more from going to a dealership that offers Buy Here Pay Here Loans, while other people may not as much.

People who have experienced financial hardship and need a car to guarantee continuous income flow will definitely benefit from this type of loan. The main reason is that these loans usually do not require a credit check.

If you have gone bankrupt or had problems that negatively impacted your credit score it can typically hold you back from qualifying for a loan to obtain a vehicle. If this is similar to your situation, you will definitely benefit from a Buy Here Pay Here loan.

In fact, for those concerned about their credit scores this option could actually help build their credit score back up. The loan servicer can work with the buyer to create a monthly payment plan that aligns with their specific payment schedule. When aligned well this will easily boost one’s credit score.

Buy Here Pay Here Cars vs. Private Cars

There are other reasons you’d want to choose a Buy Here Pay Here car for sale in Kansas over a privately sold car. As you’re able to borrow money to get a Buy Here Pay Here car, you can get a much better vehicle, one that will last you for as long as you look after it.

Auto Now at 79th & Wornall performs an extensive check of every vehicle sold through the dealership before it goes up for sale. You can be sure you’re getting a quality vehicle. Most cars are sourced from trade-ins, so there’s only been one owner and in most cases, the original warranty has only just expired.

Speaking of warranties, you won’t get one at all if you buy a car on the private market, but you will if you buy from Auto Now. Every vehicle that’s sold by Auto Now comes with an extended warranty that covers the car for two years or 24,000 miles — whichever comes first. Almost every part of the vehicle is covered, and the dealership will repair any issue that is covered under the warranty for you with just a small excess. For more information, you can check the details of the warranty on the Auto Now website.

Buy Here Pay Here Dealerships near You

Ultimately, Buy Here Pay Here loans can benefit all buyers. Even if you are not currently in financial hardship, in-house financing dealerships in Kansas and Missouri offer appealing advantages.

Auto Now at 79th & Wornall is a good example. If you’re in a hurry, you can get your car and loan set up much faster than at a traditional dealership. You are also guaranteed a more personal service since in-house financing dealerships are essentially one-stop shops. They will save you time and possibly money, depending on your situation. Buy Here Pay Here car loans are a viable option for anyone looking to buy a car.

Auto Now has been in the business of helping people get into the cars they need for their work or family for over three decades. As one of the largest and best-trusted Buy Here Pay Here dealerships across Kansas and Missouri, it makes sense to check out our stock of vehicles to see if we have something that will suit you. Then, as long as you’re earning a wage monthly over $1,200 after-tax, we’ll be able to set you up with a loan for one of these vehicles even if you have bad credit. Get in touch today for more information.