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Benefits Of a Buy Here Pay Here Dealership

You Might Be Shocked By How Easy It Is to Shop Here!

Let’s talk about something that might have been on your mind: buying a car when a car loan feels out of reach. We get it. 

Especially if you have credit challenges, thinking about applying for a car loan is scary and uncertain.

But we have the inside scoop: a buy here pay here dealership could get you behind the wheel of a vehicle you love. Check out the benefits of shopping for a reliable used car at one.

Things are different with buy here pay here dealerships. Instead of looking for a bank who will give you a loan, and then looking for a car lot that has a vehicle in your price range, you can do everything all in one place.

Buy here pay here dealerships are one-stop shops. They give you the loan and sell you the car. And although they do check your credit score, it’s not what helps them decide to lend to you. Your work history and income are better proof that you can make your car payments.

Life gets rough sometimes. Maybe you ended up with a bill you didn’t expect, or you lost your job a few years ago and are still building back from that.

Buy here pay here dealerships understand your situation. We know humans make mistakes. And because that is a fact of life, we think helping you is the right thing to do. Even if you’ve been turned down at other car lots, there’s still hope for you here.

You don’t need to do hours of paperwork to shop at a buy here pay here dealership. We get you right, fast.

Show us the basics:

1. A government-issued photo ID, like your driver’s license.

2. Your most recent paystubs from everywhere you work.

3. A utility bill in your name, sent to the address where you live.

We’ll go over our credit application with you, and when you’re approved, you can choose your car and get behind the wheel. This process usually takes an hour or less at a buy here pay here dealership.

If you were to qualify for a car loan through a bank or credit union, you’d need to either mail them your payment or pay online. Those payment options require you to have a bank card or access to checks or money orders. If you mail a payment, you also have to pay for postage and the envelope.

Buy here pay here car dealerships, on the other hand, will take your monthly payment on-location. If you want to pay your bill in cash, you can. And if you prefer to pay online with your bank card, you have that option, too. These are much more convenient than hoping the mail arrives at your bank on time or paying extra to get a money order.

If you’ve ever looked for a used vehicle online, especially on social media marketplace apps, you might have come across a scam, where someone, sometimes posing as a business, wants you to pay a deposit before you go to see the car they’re selling. Don’t fall for it.

Reputable buy here pay here dealerships have all their vehicles for sale listed on their websites, along with mileage, features, and sometimes down payment information. You can trust that these cars are real because you can see them online and you can see them in the lot.

One of the biggest benefits of shopping at a buy here pay here dealership is that you don’t have to go far, especially if you live in Indiana, near the Michigan or Illinois borders.

Quick Auto has seven convenient locations in the Michiana area, including in the Chicago suburbs, so you can find a quality car and a car loan that fits your finances.

Whether you’re hanging around Hammond, working in Mishawaka, or living in La Porte, Quick Auto is your credit connection. Find a location near you.

When you’re ready to shop, come by our lots and talk to us. We’ll make everything easy for you to buy a new-to-you ride even if your credit isn’t perfect.

Can I Afford a Used Car?

Don’t Wait Until You’re at a Traditional Used Car Dealership to Find Out

You’ve been working hard, standing on business, and you’re tired of taking the bus or asking your bae to drive you everywhere.

You need a used car that won’t break down on you and that shows off your swag.

But can you actually afford one?

Traditional Used Car Financing Leaves You Stranded

You’ve probably found out the hard way before that used car dealerships that pay to have brand names on their signs don’t want to help you find a new ride. 

The lenders they work with think your credit score is too low, or that you don’t make enough money. And your credit score got even lower because they checked it and denied you a loan.

At Quick Auto, we’ve turned the car-buying process around so it helps you instead of irritates you. When other used car dealerships say you can’t afford a used car, we say you can.

How It Works At Our Used Car Dealerships Near You

Most used car dealerships near you use third-party lenders, like banks or credit unions, who only care about your credit scores and put high income minimums on their loans. They call you a risk.

But you’re not a risk. You’re a human who needs wheels to go to your mom’s house, to go to work, to pick up the kids, and go grocery shopping.

Our used car financing model is different. We still check your credit score, but we base how much we’ll loan you on other things, like your work history and the money you earn. 

Follow this process, and we can help you buy a used car:

1. Show us your government-issued photo ID, your most recent pay stubs, and a utility bill in your name at the address where you live.

2. We’ll have you fill out our financing form (or you can do it online).

3. We’ll tell you what you qualify for.

4. You pick your new whip and drive away.

Making Your Car Payments

Big-name used car dealerships don’t collect your car payments from you because they hand your business to one of their lenders. Friendlier, smaller used car dealerships like Quick Auto let you pay directly to us, so you know where your money is going.

You can drop off your payment with us, or you can pay online on our local used car dealership websites. When you buy a car from us, be sure to ask where to find our online payment portal for the Quick Auto location in your neighborhood.

Other Used Car Expenses

When you buy a used car, think about how much it will cost to own and drive. Not only do you have to make your payments to us on the schedule you agree to, but you may also need to pay for:

1. Car insurance. The state of Indiana requires you have a minimum amount of liability insurance. If you have ever driven with a suspended license, got tickets for not having insurance, or have certain other convictions on your record, you may need to pay for SR22 insurance.
    

2. Gas. Even if you pick an efficient car, you will still need to buy gas.
    

3. Maintenance. Oil changes and tire rotations can help your car last longer.

Budgeting Tips

If this is your first time buying a used car, or if you need a little help with money, try these tips.

1. Pay your rent and car payment first before you go shopping or head to the club with friends. Use what’s left after you pay your bills for those extras.
    

2. If you are struggling with your payments, come talk to us! We want you to be a successful car owner.
    

3. Before you buy a used car, create a monthly budget. Look at your pay stubs to find out exactly how much you get paid. Subtract bills like rent, utilities, phone, internet, and groceries from it. What you have left, you may be able to put toward car payments.

Our Used Car Dealerships In Indiana Are Here to Help You

With seven convenient locations in Indiana near the Michigan and Illinois borders, Quick Auto is your credit connection! When you’re ready to buy a new-to-you ride, come see us in your neighborhood. We can help you get behind the wheel in 60 minutes or less and offer low down payments and flexible payment options.

You have options at Quick Auto, where your next vehicle is within reach.

Tax Refunds For Buy Here Pay Here Cars

Make Your Down Payment Today At One Of 7 Locations

Your tax refund check is on its way, and it’s time to put it to work.

Turn your tax refund into a new-to-you ride at the Quick Auto buy here pay here car lot near you.

Drive Away In a Buy Here Pay Here Car During Tax Season

You get a tax refund when you overpay your taxes, which are taken out of your paycheck. You can also get a refund if you qualify for credits, like if you have kids.
 
 Your tax refund is all yours, and it opens up possibilities for making your life even better than before. Use your refund as a down payment on a car that you’ll love driving and showing off.

When you bring your refund to Quick Auto, we’ll get you right fast: approved for a car loan and behind the wheel in an hour or less.
 
Check out our inventory to get a taste for the kind of whip you could own, thanks to your refund check.

Understanding Buy Here Pay Here Car Financing

Let’s talk straight about financing. At Quick Auto, we keep things clear and simple. When you visit one of our buy here pay here car lots in Indiana, you don’t have to talk to anyone else. We’re your lender, and we’re your car dealer. We can help almost anyone with a car loan. That’s why the signs on our buildings say we’re your credit connection!

Bring us your refund, copies of your most recent pay stubs, a government-issued photo ID, and a utility bill in your name sent to your address, and we’ll get you done.

Apply online for a car loan before you drop in, and you can get behind the wheel even faster.

Is Your Refund Enough For a Down Payment On a Buy Here Pay Here Car?

Especially if you claim your kids on your taxes, you’ll probably have enough money from your tax refund for a down payment and then some. We can’t estimate how much of a refund you’ll get, but if you have kids, we can tell you this: 

For the 2024 tax year (that you file in 2025), you could get the federal Child Tax Credit, which is up to $2,000 - two stacks! - per child. Your kids have to have a social security number, be claimed as a dependent on your tax return, and be under age 17 at the end of 2024. Talk to a tax preparer for more information or read rules for the credit on the IRS website.

For some cars in our online inventory, we list a down payment to qualify. If you see a vehicle you like on our website that doesn’t have a down payment listed with it, stop by your local Quick Auto, and we’ll help you figure it out.

Stop Playing and Come to Our Buy Here Pay Here Car Lots

Getting a new whip at Quick Auto is easy, and that’s why people have been coming to us for more than 20 years. It’s even easier to shop here when you bring your tax refund. Here’s why.

1. You have things to do, so we’ll help you get a car fast.
    

2. Looking for chrome and luxury features? Stop playing and come to Quick Auto. You won’t find hoopties here.
    

3. We have car options for your budget. We know you want the best ride, and we’ll help you find one that works for you.
    

4. You’ll get a limited protection plan on the car you buy for the first year and a half, so you don’t have to worry that your car has to go to the shop right away.
    

5. Your friends and neighbors recommend us. See what people just like you say about getting a buy here pay here car at Quick Auto:

“Easy to work with. Just made it all simple.” - Javaris
 

“Kim was very patient with me, our process was so simple. She went over everything and got me a nice car for a low down payment.” - Tyashea
 

“Mr. Chad got me right!!!! Thank you to Quick Auto. I will be referring many people to you!” - Kai

“Only place that would accept me having troubled credit. Need a car go here you won’t regret.” - Jamayia

Buy Here Pay Here Near You? Quick Auto Is In Your ‘Hood

You don’t have to go far to use your refund to buy a car. We’re your credit connection in:

• Hammond: 6805 Calumet Ave.

• South Bend: 52018 IN-933

• Highland: 9237 Indianapolis Blvd.

• Elkhart: 710 N. Nappanee St.

• La Porte: 1700 E. Lincolnway

• Mishawaka: 2711 Lincolnway W

• Portage: 402 US-6, Valparaiso

Find These Models At Our 7 Used Car Dealerships

When you’re shopping for a car, you have a big decision to make, especially if you want a ride that makes you look and feel your best.

But even affordable cars can stun and turn heads.

After 35 years and thousands of happy customers at our used car dealerships near you, we recommend these nine models for their affordability and reliability.

Popular Affordable Sedans At Our Used Car Dealerships In Indiana

Let’s start with the Chevrolet Cruze, a used car that breaks the stereotype that affordable means basic. The Cruze delivers sophisticated engineering in an economical package.

Beyond its impressive 38 miles per gallon highway fuel economy, you’ll find thoughtful touches throughout, like acoustic-laminated glass that keeps road noise where it belongs: outside your car.

The back seat easily accommodates child seats or adult passengers, and the trunk swallows groceries, luggage, or sports equipment with room to spare.

The Ford Focus brings European-inspired handling to the affordable car segment. Many buyers don’t realize that Ford developed the Focus globally, incorporating driving dynamics from their European division.

This translates to a used car that feels alive in your hands, responding precisely to steering inputs while maintaining comfort for daily driving. The Focus proves that practicality and driving enjoyment aren’t mutually exclusive.

When it comes to the Ford Fusion, size doesn’t have to mean sacrifice. This mid-size sedan delivers full-size comfort with mid-size efficiency. The cabin offers genuine ergonomic excellence. Controls fall naturally to hand, seats provide long-distance comfort, and visibility excels in all directions.

Pre-owned Fusion models, gems of used car dealerships, often include features you’d expect in luxury cars, like adaptive cruise control and blind-spot monitoring.

Compact SUVs at Your Local Used Car Dealership

The Chevrolet Equinox stands ready to tackle family duty without breaking the bank. This right-sized SUV offers clever storage solutions throughout its cabin.

The sliding rear seat lets you prioritize either passenger space or cargo room. Under the hood, you’ll find efficient engine options that deliver power when needed while sipping fuel during highway cruising.

Looking at the Jeep Compass reveals why this used car model remains so popular. It brings authentic Jeep capability to an accessible price point.

The Compass handles well on city streets while maintaining true off-road ability. That’s a rare combination. Newer models come with modern technology, like Apple CarPlay and Android Auto, so they have the hands-free convenience you’re looking for.

Hidden Gems at Our Used Car Dealerships In Indiana

The Chevrolet Sonic deserves even more recognition than it gets. This compact car packs surprising space efficiency into its small size. The rear seats fold flat, creating a cargo area that rivals some compact SUVs. The available turbocharged engine accelerates quickly while maintaining excellent fuel economy.

Consider the Dodge Journey if you need three-row flexibility without the full-size SUV footprint or fuel bills. This often-overlooked model offers clever features like built-in booster seats and hidden storage compartments under the floor - both are perfect if you have kids. The Journey’s blend of utility and value makes it worth serious consideration for growing families.

The Buick Encore brings unexpected sophistication to the small SUV segment. Its refined suspension soaks up road imperfections while maintaining composure through corners. The cabin’s acoustic insulation and active noise cancellation create a serene environment that makes every drive more pleasant.

The elevated seating position and large windows provide excellent visibility in urban environments, so everyone can see you when you drive by in your luxury ride.

Don’t overlook the Jeep Patriot when visiting the best used car dealership near you. This compact SUV combines traditional Jeep ruggedness with modern amenities. The squared-off design maximizes interior space while making parking maneuvers simple. Available all-wheel drive provides sure-footed handling in all weather conditions.

Shop For Good-Looking Used Cars At Quick Auto

If driving a hot-looking car isn’t your only goal when shopping for a new ride, then you might want to learn about our unique approach to operating our used car dealership.

Not only are we the credit connection for those who may not qualify for traditional car loans, but we’re also all about giving you peace of mind. Each used car we sell undergoes a thorough inspection before we list it for sale. Then, we give you a free 18-month protection plan, so you can feel confident in your purchase.

At our seven Quick Auto locations in Indiana, we create a stress-free buying experience tailored to your needs.

The Best Way to Use Your Tax Refund At a Buy Here Pay Here Dealership

Tax refund season is here, and that means you have the chance to flip your refund and use it for a reliable whip that will get you through winter.

Even just a little bit of your tax refund makes a good down payment at our buy here pay here car dealership. Let’s explore how you can make the most of your refund while shopping for a new-to-you ride at Quick Auto.

What Is a Tax Refund?

You might see your tax refund as suddenly coming into money, but in reality it’s basically the government repaying an interest-free loan to you.

A tax refund is just the federal or state government reimbursing you for paying too much in taxes out of your paychecks.

Your refund may also be due to certain tax credits, like child tax credits, which you get for each child you have majority custody of.

You get your tax refund every year after filing your taxes. You’ll need documents like your W-2 from every job you worked during the previous year; for example, to file your taxes in 2025, you’re actually providing information from all of 2024.

Your tax refund can come to you as a check in the mail, which you can cash or deposit into your bank account. Or, it may be direct-deposited into your bank account if you have that option.

Smart Ways to Spend Your Tax Refund At a Buy Here Pay Here Dealership

Making a substantial down payment at buy here pay here car dealerships can lower your weekly or monthly payments. When you put more money down upfront, you’ll benefit from lower recurring payments throughout your loan term. That’s a smart way to use your tax refund.

Consider strategically splitting your tax refund. Use some for your down payment, and pay up on your car insurance at the same time. This way, you are legal and ready to drive for a long time when your purchase is complete.

Get your refund as early as possible in the season so you aren’t competing with other people who like the same cars you do. If you have your eye on a flashy model with chrome trim at a buy here pay here dealership, you can bet other buyers do, too.

Don’t wait for them to get their tax refunds back in March or April. One-up them and get there sooner, so you can spend your refund on exactly what you want and have the most choices.

Buy here pay here car dealerships know that tax time means it’s car-buying season. Good dealers get ready for this and expand their inventories so you have more to choose from. This is another great reason to shop for a new-to-you car during tax refund season.

You Don’t Need to Spend Your Whole Tax Refund On a Buy Here Pay Here Car Down Payment

Unlike traditional financing that requires a big down payment in order to qualify for a loan, buy here pay here dealerships offer in-house financing even if your down payment is small. You can often see just how much money you’ll need for a down payment when you browse their car listings. Good dealers let you know in advance instead of keeping it a big secret.

Good dealers will also tell you everything you need to know about your car loan, so before you drive off the lot, you know how much to pay, when to pay it, and where to send your payment. If you’re smart, you might even use what’s left of your tax refund to make your first few payments.

Maximizing Your Buy Here Pay Here Experience

When you bring your tax refund to Quick Auto, we’ll help you explore the used cars that fit your budget. Our team will show you vehicles that work with your down payment and your lifestyle - or tell us what you want, and we’ll find it on our lot!

We recommend browsing our online inventory before you fill out a financing application or visiting one of our seven locations across Indiana. Getting pre-approved for a car loan can help you get into a nicer, newer vehicle in as little as one hour.

All you need to bring is:

• A government-issued photo ID of any kind.

• All your recent pay stubs.

• A utility bill sent to your address, in your name.

• Your down payment.

Find the Quick Auto location nearest you today and use your tax refund on a reliable ride!

Buy Here Pay Here Financing Could Be the Solution to Your Credit Challenges. Here’s How

Life throws financial curveballs, and sometimes your credit score takes the hit.

Yet you might not realize that bad credit car loans can become a powerful tool for rebuilding credit health. When managed correctly, auto financing does more than put you behind the wheel. It opens doors to financial freedom.

How Car Loans Affect Your Credit Score

Think of your credit score like a recipe with different ingredients. Your payment history makes up the largest portion at 35%, while credit mix adds another 10%. Hard inquiries, age of accounts, and other factors make up the rest.

Car loans bring both payment history and credit mix to the table. Making steady, on-time payments shows lenders you’re reliable, while adding an installment loan to your credit mix demonstrates you can responsibly handle various types of credit.

Car Loans As a Credit-Building Tool

The beauty of using a bad credit car loan for credit building lies in their predictable structure. Unlike credit cards that tempt you to spend more, car loans come with fixed payments and a clear end date. This predictability makes them an excellent foundation for credit improvement. But you have to stick to the plan.

Finding Bad Credit Car Financing That Fits Your Financial Picture

Bad credit car financing doesn’t mean accepting unfavorable terms. Smart shoppers know to compare multiple offers, even with less-than-perfect credit.

Look for lenders who see beyond credit scores and consider factors like steady employment or solid down payments.

For many credit-challenged buyers, buy here pay here financing offers practical advantages. These programs cut through traditional banking red tape with direct lending decisions. Plus, many report payments to credit bureaus, the key ingredient for building your credit score.

Smart Moves For Maximum Credit Impact

Set yourself up for success by running the numbers before signing. Factor in not just the monthly payment, but insurance, gas, and a maintenance fund. This complete picture helps avoid stretched budgets that could lead to missed payments and credit score setbacks.

Most auto lenders send monthly updates to credit bureaus, creating steady opportunities for credit score growth. Missing car loan payments are red flags, so consider automatic payments or setting phone reminders. Some people mark payment dates on their calendar or set up email alerts. Do what works best for you.

Your car loan does double duty: providing transportation while strengthening your financial foundation. Many drivers see their credit scores climb within six months of starting payments, opening paths to better rates on future loans.

With an improved score, you could qualify for lower credit card interest and other lines of credit. Being able to access credit at a lower interest rate can give you the opportunity to build emergency funds, pay off debt, invest in retirement, or pursue other goals.

A better credit score can open doors to non-financial benefits like easier apartment rentals or even employment opportunities in certain fields. Think of your car loan as a stepping stone toward a brighter financial future, offering not just freedom on the road but also a smoother path to long-term success.

Creating Your Success Story With a Car Loan

Smart car loan management builds more than just credit. It creates opportunities. You’re paving the way toward broader financial options when you make on-time payments.

Follow these steps to put your bad credit car financing to work for you.

1. Check your credit score. You are entitled to check it for free once per year. Free credit monitoring apps can give you regular access to your score as well.

2. When choosing a used car, make smart choices. You might spend the same amount to get a flashy 2019 model with high miles as you would a 2012 model with lower miles. The 2012 car will last you longer than the 2019 model, which makes it a smarter financial decision.

3. Set a realistic budget. Although the excitement of getting a new-to-you car might make you forget some of the details of your buy here pay here financing and agree to almost anything to get a car you love, you need to stay grounded. Look at your monthly expenses and purchase a vehicle that fits into your budget, even if it doesn’t help your street cred.

4. Ask questions when you take out a car loan. Make sure you understand the terms and conditions and how to make your regularly scheduled payments.

5. Stick with it. Make on-time payments so you don’t risk having to give your car back to the car lot. Each on-time payment adds another brick to your strong credit foundation.

The Low Down On Rebuilding Credit With Bad Credit Car Loans

Rebuilding credit happens gradually, like steering a large ship. Small adjustments over time lead to significant changes in direction. Your car loan can serve as the rudder, guiding you toward improved credit and expanded financial opportunities. Keep your budget realistic, your payments consistent, and your eyes on the progress you’re making.

Give Your >Indiana Buy Here Pay Here Car a Post-Winter >Car Tune-Up

Start Planning Car Care Now, So You’re Ready to Hit the Road When the Weather Starts Warming Up

Harsh winter weather can take a serious toll on your car, so it’s more important than ever to give it the care and attention it deserves once the season ends. As spring starts to peak around the corner, plan a post-winter >car tune-up to ensure your ride runs smoothly throughout the year. 

An important reason to get a post-winter tune-up for your buy here pay here car is to fix any issues that may have come up during the colder months. The low temperatures, road salt, and icy conditions can cause wear and tear on parts of your vehicle, including the brakes, tires, and battery. By having a thorough inspection and maintenance performed after winter, you can stop any potential problems before they become major issues.

A post-winter >car tune-up ensures your safety on the road, but also helps your car last longer and saves you the cost of repairs later. When you get a car from a buy here pay here dealership, you’ll want to take care of your investment. Spend time and effort on these maintenance tasks, and you're investing in the future of your vehicle! 

Prioritize Exterior Care and Tires for Your >Car Tune-Up

Winter’s residue can wreak havoc on your car’s exterior. Start by thoroughly washing the car to remove salt, grime, and debris that can cause rust. Pay attention to the undercarriage and wheel wells where salt accumulates the most.

It’s also important to check your tires after a harsh winter. The extreme cold temperatures and icy conditions of winter can cause tire wear and tear. Check the tread depth and look for any signs of damage. Properly inflated tires are also essential for >winter car safety, so make sure they are filled to the recommended pressure. Rotate your tires and consider a realignment if necessary.

Inspect the Brakes During Your >Car Tune-Up

Check the brake pads and rotors for wear and tear. Winter driving can accelerate brake deterioration due to the icy and slippery roads. Ensure that your brakes are in good condition for safe driving. Look for any signs of wear, such as squeaking or grinding noises, and ensure that your brake pads and rotors are in good condition. 

Don’t Forget to Check Your Fluids

Inspect all essential fluids: engine oil, transmission fluid, coolant, brake fluid, and windshield washer fluid. Top off or replace fluids as needed. Low fluid levels can lead to poor vehicle performance or even damage.

Get a Battery Inspection

Cold weather can strain your car’s battery. Test its charge and clean any corrosion from the terminals. If your battery is several years old, consider replacing it to prevent unexpected breakdowns. 

Have a Professional Perform an Engine Check

Make sure to get your vehicle’s engine checked out after a brutal winter. Look for any cracked hoses, leaks, or worn-out belts. Check the air filter and replace it if it’s dirty, as a dirty filter can affect how well your vehicle runs.
 

Take Care of Your HVAC System

Ensure your heating, ventilation, and air conditioning systems are functioning correctly. Winter can strain these systems, and a malfunction can make your driving experience uncomfortable. 
 

Upgrade Your Lights and Windshield Wipers

Check all lights, including headlights, brake lights, turn signals, and interior lights, ensuring they are working correctly. Replace any bulbs that have burnt out or relays that are no longer working. Additionally, inspect windshield wiper blades for wear and tear, and replace them if needed. If your current wiper blades are streaking or making noise, then you know it’s definitely time for new ones.

Stay On Top Of Scheduled Maintenance

Follow the manufacturer's recommended maintenance schedule for your vehicle, which you can find online or in your owner’s manual. 
 
 If your buy here pay here car is due for an oil change, filter replacements, or any other service, now is an excellent time to catch up and ensure everything is up-to-date.

Is It Time for Your Post-Winter >Car Tune-Up?

Remember, keep an eye on any warning lights on your dashboard and consider a professional mechanic’s inspection for a full assessment of your car’s condition. Keeping a detailed record of maintenance for your vehicle can be helpful for future reference or resale to a >buy here pay here in Indiana. 

Taking these >winter car safety steps will not only keep your car running smoothly but also extend its life and maintain its value. Post-winter care is essential for any vehicle, especially those from buy here pay here dealerships. Give your car the attention it deserves, and it will reward you with reliability and performance for many more miles to come!