How Buy Here Pay Here Dealerships Help You Get Behind the Wheel of a Used Car in Indiana
People all over the country have been finding that car financing is increasingly difficult to get, particularly if they don’t have the best credit. If you've got terrible credit, you're going to have a hard time getting a car from a traditional dealership - period. Getting a loan through a bank is very difficult, and traditional dealerships won’t be able to offer you anything better.
When compared to alternative forms of auto financing, a buy here pay here dealership will take care of everything for you and get you on the road much more quickly.
What is Buy Here Pay Here Dealership?
In a buy here pay here transaction, the used car dealership is the lender, as opposed to a third party such as a bank. This simplicity has several advantages over traditional lending, which we’ll discuss below.
Buy Here Pay Here Makes the Purchasing Process Faster and Simpler
If you have poor credit, there are usually several steps to purchasing a new automobile if you choose traditional financing. You need to find out your credit score. You must locate a subprime lender willing to lend to you. Shopping around is a long and laborious process that can potentially take months, and you’ll frequently be turned away. The used vehicles you want to buy are snatched up by other buyers, and you need to start the process all over again.
When you buy from a buy here pay here dealership, these steps are all eliminated and the purchase process is simple. A buy here pay here dealership provides a number of advantages that most other lenders can't provide, the most obvious of which is saving you time and effort.
There is stress involved in trying to buy a car with poor credit, and a reputable buy here pay here dealership can completely alleviate that stress. As a result of their efforts on your behalf, you will have a more enjoyable and straightforward experience, and you’ll be able to concentrate on choosing the car you really want.
Access to a Buy Here Pay Here Purchase Doesn’t Require a Good Credit Rating
Buy here pay here dealerships typically don't mind customers with less-than-ideal credit. In the end, you'll be borrowing money from them directly and repaying it to them. If you can show you have enough income to make the repayments, you’ll be offered a loan.
In fact, the dealership may record your good financial practices to the credit bureaus if you make your payments on time. Pay your bills on time, and you'll be on your way to repairing your credit. You'll be able to acquire a better car loan with a larger down payment after your credit has improved.
Buy Here Pay Here Dealerships Offer Low Down Payment Options
If you only have $500-$1,000 to put down, traditional dealerships will still not be able to offer you a vehicle because of your poor credit history. Walk into a buy here pay here dealership, and they can approve you and get you on the road in a matter of minutes. The entire purchasing process can be completed within an hour, and all you must do is make the monthly repayments on the loan until the vehicle is yours outright.
Higher Quality Vehicles
With loan options unavailable to you, you may be tempted to purchase a cheap vehicle on the private market or a “junker” from a traditional dealership. Thankfully, you don’t need to do this because buy here pay here dealerships can offer you a loan as long as you have proof you can make the repayments each month.
A buy here pay here dealership's automobiles are unquestionably more dependable than a cheap vehicle you can get with cash. All vehicles sold by Quick Auto are protected by an 18-month warranty, for example, so you have complete peace of mind.
Buy Here Pay Here Near Me
The advantages of a buy here pay here dealership are clear. If you’re in the states of Indiana, Michigan, or Illinois searching “used car dealership near me,” Quick Auto has you covered. Our La Porte, South Bend, Elkhart, Highland, Hammond, Portage and Mishawaka locations in Indiana will serve you well.
With affordable buy here pay here financing, quality vehicles, an 18-month protection plan, and the best prices in town, there’s no wonder Quick Auto is one of the most popular buy here pay here dealerships today.
