What You Need To Know About Financing Through a Buy Here Pay Here Dealership

Between deciding whether to purchase a new vehicle or a used vehicle, searching for the best deals and identifying what you need versus what you want, car buying can be a lengthy process. Part of that process and an opportunity for choice is often dictated by the financing that is available which is largely based on having good to excellent credit with a clean credit history. However, being in the business for over 20 years, Auto Now and our staff know that life isn’t alway as perfect as some financial institutions hope it is. As a result of things often beyond our control, sometimes financial hardships result or maybe the opportunity to build a low credit score was never an option. Financial history should not be a barrier towards future growth and success and should not bar anyone from purchasing a vehicle within their means. At our Wichita Buy Here, Pay Here dealership, we work hard through the buying process putting our customers first and in cars they love and can afford.

Traditional financing

Many first-time vehicle buyers tend to finance through a dealership in an attempt to keep everything under one roof. However, dealerships often shop around for the best rates to compete with third party lenders and banks to find the best rate. This means it’s often same-day financing in the same location, however, some dealerships still work with third-party lenders which is spreading your information around as well as introducing a new party into the transaction. This can mean more paperwork and more correspondence once the transaction is complete. Banks and credit unions are often the traditional route car buyers take, especially if it’s a bank they’re already a member of. However, this largely relies on having good credit and assumes and uncomplicated financial history. It’s not always an option for everyone who is in need of a vehicle for basic living and employment requirements.

Buy Here, Pay Here financing

At the Auto Now dealership in Wichita, Kansas the process of purchasing a used vehicle through our Buy Here, Pay Here financing means the experience from start to finish stays under one roof. That means not using your credit to shop around for the best deal causing hard credit checks, an inquiry that other dealerships and businesses haphazardly do which can cause issues with credit history, especially if it’s already at a vulnerable level. But what exactly is Buy Here, Pay Here financing and how is it beneficial to your car buying experience? Whether you’re in Maize, Haysville, Park City, Andover, Bel Air, Schulte, Derby, Oaklawn-Sunview, Greenwich, or Goddard, purchasing a vehicle often comes down to your credit score. So if you’ve had previous hardships or low to no credit score, it’s difficult for traditional financial institutions to take the risk for an auto loan. With Buy Here, Pay Here and everything under one roof, that means Auto Now becomes the lender and the seller. This enables lending opportunities to customers regardless of their credit or past financial history.

Since 1996, Auto Now has been a proud family-owned business serving our friends and neighbors throughout Kansas and Missouri. Buying a used vehicle through a Buy Here, Pay Here dealership means not only building credit for a financial foundation but it also means making a complicated process simple. Our easy application process accepts all credit types and has a quick approval time. For our customers, that often results in lower interest rates which not only lower your monthly payments, but provides a stable start to building your credit and paying your monthly payment on time. What’s more is that our large inventory across our six locations means having over 500 vehicle options and prices at your disposal.

We’re more than a business, we want to help you by not only providing you a reliable vehicle, but also providing a no-nonsense path towards financing that works best for you. But how do you know if Buy Here, Pay Here is your best option? Typically, Buy Here, Pay Here is best suited for used-car buyers who may have low to no credit or issues with their credit history who are looking to build credit and also may need a vehicle. Buying a car is a great way to improve a credit score.

What can be expected from Auto Now?

• Fast and simple process
• No-hassle financing
• Huge selection of high-quality vehicles
• Peace of mind with our 24 month/24,000 mile warranty
• Family-owned business with a team of professionals

If you’re looking for a vehicle and no-hassle car buying experience throughout the greater Wichita, Kansas region, the team at Auto Now is the perfect fit and we’re hoping you’ll swing through to visit. Our mission since our doors opened 20 years ago has been to provide great quality pre-owned vehicles to customers on affordable terms with simple financing. The Buy Here, Pay Here convenience means everything is done under one roof and we don’t care what credit challenges you’ve faced in the past because we’re committed to helping provide you with reliable transport for your future. Every car at Auto Now is run through a comprehensive inspection by independent mechanics before being put on the lot. And we stand behind each vehicle with our warranty for your peace of mind.

Come check out our Wichita, Kansas location and talk with a member of the team to get started or search our online inventory. We’re here to help with any questions and walk your through the car buying process.