Buy Here Pay Here Car Loans

Buy Here, Pay Here Car Loans

You might be wondering, “How can a Buy Here, Pay Here car loan help me regain my credit?” Unlike traditional dealerships that work with lenders that require good credit scores for financing, Auto Now cuts out the middle guy and serves as both the dealer and the lender. This means that we have complete control over the finance process, which is a huge benefit to our customers who might otherwise have difficulty getting an automotive loan from a traditional bank, credit union, or other lenders.

We’re here to help you rebuild your credit, and as the institution in charge of your loan, we do exactly that by reporting your payments to the credit bureau. But before we get ahead of ourselves, let’s start from the beginning - narrowing down what you want and what you can afford. As a Buy Here, Pay Here dealer, Auto Now is focused on working with you to determine what you can afford and what vehicle best meets your needs. To do this, we’ve created a simple and straightforward application process that you can even complete online. Since we accept all types of credit, approval is quick and reflects our guarantee to deliver a hassle-free experience.

Once you’re approved, and you’ve found a vehicle from our inventory, our in-house financing team will discuss an affordable and realistic payment plan. This begins with a down payment, which can be as low as $99. If you have a trade-in, we’ll value the vehicle with the guarantee to give you more than the competition and a minimum of $1,000 regardless of the vehicle’s condition. Once we value your trade, we’ll finalize your payment plan, explain our 24-month / 24,000-mile warranty, and finish the paperwork. Then, you’ll be back on the road and on your way to a better credit score.

So, how does a Buy Here, Pay Here car loan help you get better credit? It's actually quite simple. We help you find a car you know you can afford, provide you a loan despite your credit score, and take a down payment. Then, as you make your affordable vehicle payments on time, we report that back to the credit bureau. That, in turn, helps to boost your credit score.

The crucial part of this is that you make your payments on time.
Making on time payments shows that you are financially responsible, which is the most effective way to boost your credit score. Be warned that making late payments will hurt your score. However, that's why we sell you a vehicle that you know you can afford, so you won't have any problems making those on time payments and enjoying the credit boost from doing so.

Our Inventory and Our Warranty

With six locations, we offer an impressive inventory of over 500 vehicles of nearly every make and model. To ensure every vehicle is top quality and that our selection is diverse to meet a variety of needs, we work closely with full-time buyers who are experts in finding the best cars at the best prices. Because of this, many of our vehicles are new-car dealership trade-ins, while others are traded to us directly or purchased at auctions.

Before we add any of these vehicles to our inventory, we have a qualified automotive mechanic conduct a comprehensive bumper-to-bumper inspection. If the mechanic reports that the vehicle is mechanically unsafe, we won't put it on our lot. We are committed to only offering our customers safe and affordable vehicles. If the mechanic confirms the vehicle is mechanically safe with only minor cosmetic imperfections like a few dents or dings, we add the vehicle to our inventory as it is. By keeping these minor imperfections instead of conducting costly repairs, we’re able to keep our prices low.

Once a vehicle is added to our inventory, it comes standard with a 24-month / 24,000-mile powertrain warranty. Designed to give our customers even more peace of mind, the warranty has a low deductible of $200 and covers 100% of the specified parts and labor. This means that expensive parts like the engine, air conditioner, transmission, starter, and alternator are covered under warranty for 24 months or 24,000 miles, whichever comes first. You won’t find that peace of mind anywhere else!

Our Locations

Another great reason to shop with Auto Now is that we offer six convenient locations in Kansas and Missouri. You’ll find each of our locations is staffed with knowledgeable team members who are committed to the Auto Now mission of giving creditworthy but challenged customers a second chance by easing the burden of the car-buying and financing process. Our team is ready to help you find the right car and the best payment plan for your needs with a buy here, pay here car loan.

We encourage you to visit the Auto Now closest to you and introduce yourself to the team. Our Kansas City, Missouri dealership is located at 7901 Wornall Road, the team in Belton, Missouri, is ready to meet you at 307 E North Avenue, and in Independence, Missouri, you’ll find the dealership at 10500 US 24. Our Olathe, Kansas team is located at 1404 E Sante Fe Street, Topeka customers can visit our location at 116 SE 29th Street, and our Wichita customers can visit the dealership at 1660 S Seneca Street.

Buy at Auto Now