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Buy Here Pay Here Independence, MO

It’s a fact: owning a vehicle can be expensive. It’s also a fact that most of us can’t live without one. We all need a reliable method for getting to and from work, school, and other activities, especially in areas where public transportation is limited or non-existent. Plus, many of us rely on our vehicles to get the job done, whether you drive from client to client, job site to job site, or use a truck to haul and tow massive loads. But, if you need a car and you have bad credit, your best bet for shopping isn't going to be through traditional financing, but through a dealership that offers Buy Here, Pay Here. Independence, MO, is home to one of our Auto Now Buy Here, Pay Here dealerships, and we can help you get the car you need.

Having a car, truck, or SUV is an absolute necessity for many people. But if you have bad credit, it can be harder to get a safe, dependable vehicle. Getting a typical loan can be difficult, and many of the vehicles that fit in your available cash payment budget don’t meet the general standards of “safe and dependable.” So where can you get cars with bad credit?

Auto Now understands. As a Buy Here, Pay Here dealership providing vehicles to those across the Kansas City and Missouri areas, we specialize in helping those with bad credit get access to reliable vehicles. Auto Now was established in 1996 with the goal of supporting the community by matching dependable automobiles with the people who need them. Locally and family-owned, we’ve helped thousands of drivers with bad credit drive away in a vehicle they can truly appreciate and enjoy for years to come.

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A man is leaning on a black car holding the key at a Buy Here Pay Here in Independence, MO.

What is Buy Here, Pay Here?

For those unfamiliar with the “Buy Here, Pay Here” business model, it’s actually quite simple! Basically, the dealership is both the seller and the lender in this scenario. At a conventional car dealership, you have the opportunity to browse inventory, followed by negotiation, a loan application, and searching for just the right loan at just the right rate for just the right vehicle. It can be very stressful and time-consuming.

At Auto Now, we discuss your financial situation first, so everyone is on the same page. We discuss your budget, as well as what you need from a vehicle, your down payment, and work from there to find the right match for you. We work with you to find a monthly payment and loan terms that will work for you. That means no back and forth negotiating, no hidden fees, no giant stack of paperwork, and no waiting around endlessly while a faceless “Finance Team” searches for “A Great Rate.” Everything is upfront and transparent.

All you need to drive away with a great vehicle is a valid driver’s license, at least $1200 in income each month (after taxes), and be at least 18 years old. To finalize the loan, you’ll just need to present your driver’s license, pay stubs, a utility bill, a phone bill, and a cash or money order down payment. Within 30 minutes, you can be driving into the next chapter of your life with a reliable automobile!

We specialize in short term loans at Auto Now, which allows you to pay off your new-to-you vehicle in as little time as possible. While a traditional loan can range from 60 to 72 months, our loan payments range from $50-$100 each week, allowing drivers to have the title in hand as quickly as possible.

A salesman is helping a couple fill out paperwork at a dealership.

Check Out Our Independence, MO Location: Just 1 of 6

At Auto Now, we firmly believe that everyone is worthy of dependable transportation, including folks who are working to recover from previous setbacks, such as bankruptcies, repossessions, and more. Auto Now primarily services the Kansas and Missouri region, with six locations in the area. From Topeka, Wichita, and Olathe in Kansas, to Kansas City, Belton, and Independence, Missouri, our locations are conveniently located for drivers with bad credit to stop in and browse our inventory and discuss payment options.

We invite you to check out our Independence location for the chance to browse our full inventory of used cars, trucks, and SUVs and to meet with an Approval Specialist to get started in the process of buying your next vehicle, regardless of your credit situation. Once you arrive at our Independence location, you’ll be greeted by our friendly staff. We’ll discuss what you need in a vehicle in a completely non-judgemental way so that we can best assist you in driving off the lot with a fantastic vehicle that’s perfect for you in price, comfort, and reliability. You can even check out the current inventory at our Independence, MO location and apply for financing from the comfort of your own home via our website to get an idea of what is currently available and how the process works.

Our Inventory

A line of cars is shown from the trunks.

Auto Now stocks a full inventory of used cars, trucks, and SUVs, so there’s something for every driver on our lot at all times. Many of our vehicles are trade-ins we receive from new car dealerships, some are trade-ins that we receive from customers like you, and others are purchased at auto dealer auctions. We don’t purchase just any car at the right price, however. Auto Now works with professional auto buying experts who scour the region to find the best vehicles at prices you can afford. We pride ourselves in having over 500 available vehicles at our locations in order to provide a full selection of options for drivers.

Once the vehicles arrive at our lots, they receive a comprehensive inspection by qualified mechanics. No vehicle that is mechanically unsafe or unsound will be available for sale, so you don't have to worry about ending up with an unsafe lemon if you buy from us. Any minor imperfections in the safety and mechanical operations are corrected as necessary so that they meet our high standards. In fact, all of the vehicles offered by Auto Now come with a 24-month/24,000-mile powertrain warranty. This warranty pays for covered parts and labor after a $200 deductible for mechanical issues, including the engine, transmission, starter, alternator, and air conditioning.

Our inventory is constantly changing as new vehicles arrive, but our typical selection ranges in price from $6,500 to $21,000. We offer vehicles from many recent years and include many popular makes, models, and trim styles. Whether you prefer a manual or automatic transmission, a sedan or a minivan, you can browse many different auto types at Auto Now. For those who have a specific feature in mind, our website allows you to browse a variety of important features, from a third-row seat for larger families to all-wheel drive for safe driving in any climate. You can even sort between vehicles that have navigation systems if you’re going to be on the road a lot, or tow packages, for those who need a heavier-duty vehicle to perform hard work.

Auto Now 38.9848217, -94.5942468.