Auto Now Buy Here Pay Here FAQ

What Is Auto Now?

Auto Now is a Buy Here, Pay Here dealership serving the Kansas City and Missouri areas. We have seven locations throughout Kansas and Missouri. We are friendly, local, eager, and ready to serve your car-buying needs.

When Auto Now opened in 1996, it was with one good intention: to help decent people acquire reliable transportation. Since then, we have helped thousands of Kansas and Missouri citizens with bad credit get the car they want and need.

Customer support and satisfaction are paramount to us. We pride ourselves on our willingness to reward our loyal customers. Call or walk into any of our seven locations and ask about our trade-in and referral incentives and programs.

Auto Now is locally and family-owned.

What Is a Buy Here, Pay Here Dealership?

Buy Here, Pay Here is a term applied in the used car industry that describes a dealership where the dealer and the lender are the same entity. These dealerships typically work with car buyers who have had credit difficulties in the past. They are ideal for someone needing a used car but who would have a hard, if not impossible, time trying to get a loan from a traditional lender like the bank or their local credit union.

The shopping and financing experiences are different at a BHPH dealer. Potential customers must consider a number of factors, including what they want, what they need, what they can afford, and what the dealer is willing to offer them. Down payment, inventory, and loan terms are all factors in this equation. Quality dealers like Auto Now stand apart from the rest and offer their customers a reason to shop there, such as a broad inventory, best-in-market pricing, or top dollar for trade-ins.

At a conventional car dealership, the car buyer shop for the car they like, negotiates pricing, and then finalizes the purchase when they are happy with the vehicle and the terms. Financing can occur at the dealership, through a third-party lender, or a bank.

At a Buy Here Pay Here dealer, financing is usually discussed first so that the dealer (who is also the lender) understands the customer’s financial circumstances. This allows the dealership to tailor the loan to the customer’s income and needs and keep the vehicle affordable. 

What Are the Benefits of Using a Buy Here, Pay Here Dealership?

The prime benefit of using a Buy Here, Pay Here dealership like Auto Now is that it makes the car buying experience a one-stop and simplified process. With a lot of large purchases, there are at least two steps: 1. Find the item you want. 2. Go to a bank or other lender to secure financing for it.

At a Buy Here, Pay Here car dealership, a car buyer arranges the amount of the monthly payment and loan terms directly through the dealer. Auto Now can save you time and stress by making the car-buying experience easier to wade through. Less time searching, negotiating, and finalizing the financing means more time to hit the road and put the pedal to the metal. If all the proper documentation is provided on your first visit, deals can be closed in as little as 30 minutes. 

There isn’t a huge stack of papers that need to be signed or reviewed. Instead, we want you to walk in, be greeted by our friendly staff, find a vehicle you wish, and finance it through us with the peace of mind of knowing you’re getting a fair price and dependable car to drive.

If you’re looking to expedite your next car-buying experience, consider us. No matter what you want out of your next car, truck, or SUV, visiting Auto Now is the right choice. We have seven locations and multiple financing programs!

Is It Hard to Get a Loan at Auto Now?

No. Getting approved at Auto Now is extremely easy. To get approved, you must meet the following three requirements:

Be at least 18 years old.
Have a valid Driver’s License.
Have take-home pay of at least $1,600 per month (after taxes).
If you meet these three requirements, you are sure to be approved quickly at Auto Now.

What Documents Do I Need to Bring When I’m Ready to Buy a Car?

Each approval varies, but most of the time, car buyers need to bring their driver’s license, most recent pay stubs, at least one utility bill, and their phone bill. A down payment in cash is also required to take delivery of your new car.

How Many Vehicles Will I Get to Choose From?

Our inventory is stocked with over 700 vehicles of nearly every make and model you could imagine. Down payments can vary based on your financing approval.

Our trained approval specialists will assist you in locating the car and monthly payment that meets your needs and your budget.

What Is Auto Now’s Mission?

As a regional auto finance company with locations in Kansas and Missouri, Auto Now is here to help creditworthy but challenged customers. We believe everybody deserves reliable transportation. Sometimes, this means being given a second chance. Even if you have previous bankruptcies, repossessions, or other credit setbacks, we’re here to help.

We also stand behind the dependability of every vehicle we sell: we offer a 24-month/ 24,000-mile warranty on all of our vehicles. We are doing our part to ease the stress and burden of not having your own car by offering customers ways to finance a used car. We also pay top dollar for trade-ins, and we are proud to be one of the largest Buy Here, Pay Here pre-owned dealerships in the area.

Where Do I Make My Payments for a Vehicle I’ve Purchased at Auto Now?

All of our customers can make their monthly car payments via check or money order at any one of our seven convenient locations in Kansas City, Independence, Belton, Olathe, Wichita, and Topeka. Our customers can also pay over the phone and online. We also offer the convenience of auto payment with our Easy Pay direct debit option. Auto Now makes it straightforward and simple to pay anytime or anywhere.

What Will My Payments Be If I Purchase a Car at Auto Now?

Auto Now specializes in short-term loans. This means you can get the car paid for and have the title in your name as soon as possible. This ASAP plan aims to keep customers away from 60- and 72-month loan terms. Our payments range from $75 – $125 (a week) for the average evening out to be about $75 a week or $300 a month.

Where Does Auto Now Get Their Vehicles From?

A lot of our vehicles are new-car dealership trade-ins. Some of our vehicles are bought at auto dealer auctions or traded to us directly. We work with full-time buyers who have the knowledge and experience to find the best cars at the best prices from across the region.

What Kind of Inspection Do Auto Now Cars Get?

All of our vehicles receive a comprehensive inspection from a local and qualified auto mechanic. If any car lands on one of our lots and is deemed mechanically unsafe or unsound, we return it to the auction or wholesaler. This way, our customers receive only the best cars available. 

What Are the Benefits of Auto Now’s Vehicle Warranty?

At Auto Now, our vehicles come with a 24-month/24,000-mile powertrain warranty that pays for 100% of covered parts and labor with only $200 deductible. Visit any of our seven locations for details, but know that the engine, transmission, starter, alternator, and AC are all covered under our warranty. So even if you do have car trouble of any kind within the first 24 months, you don’t need to worry; we’ve got you covered.

How Long Is the Initial Credit Approval Valid For?

Any customer approved in person, over the phone, or online will have their credit approval from us for 30 days. This is conditional on employment and residence status not changing. If you wait longer than 30 days to visit or purchase, we’ll just need to update your application to get you back into an approved status.