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Are Past Credit Issues Affecting Your Ability to Buy a Car? We Can Help

Among the most talked about financial issues is credit. In a society which runs on the need for a healthy credit history, having credit issues can severely impact your life. On the surface, poor credit makes buying a car, house, and many other large purchases much harder. But studies show that poor credit impacts much more than just your ability to buy things. Mental health providers have found startling correlations between low credit and the state of mental health. Those with higher amounts of debt are far more likely to have a common mental disorder like anxiety or depression -- three times more likely to be exact. And depending on how long credit issues are a part of a person’s life, it can impact their long-term health.

buying a great used car

In its base form, credit is a made up number, so why does having a low credit score impact so many people so negatively? With the average house in the United States having around $15,000 in credit card debt, and that debt making an impact on credit health, not being able to purchase the things your family needs -- like a loan for house repairs, extra land for your farm, or a new car to get to work -- can put a toll on family life.

If one of the things weighing on your mind is your inability to take out a car loan because of a credit score, you do have options. Auto Bank of Kansas City is a used car dealership who specializes in buy here pay here financing for cars. Not only can getting a car through a buy here pay here lot help you get a car, but it can also help you get your credit score back up where it needs to be. We don’t believe anyone should be put in a situation that causes them long-term mental anguish, and healing a credit score with some help is one way to address mental health. Here are some ways that we can help you here at our locations.

Buy Here Pay Here Lots Help You Get a Car When You Have No Other Options

Unless you are lucky enough to live within walking distance of your work or to work from home, most people need a car to get to and from work. Unfortunately, this fact can be a double-edged sword. If your car ends up breaking down and you end up needing a new one unless you have good credit you will need to pay for a new car yourself. However, if you cannot get to work, you cannot afford a new car. Sometimes, you don’t have the luxury of having the time to figure out an alternative.

That’s where heading over to a buy here pay here car dealership like Auto Bank of Kansas City can help. With a diverse inventory, low prices, and in-house financing, we make sure that our customers can walk away with a car and a credit future.

Buy Here Pay Here Lots Help You Save Money So You Can Pay Off Other Credit Obligations

Many people with a complicated credit history have issues making lasting payments on their credit cards. The cycle often goes like this: a person will make a payment on their credit card, not have enough money left to buy essential amenities, then have to use their credit card again. At the end of the payment period, this leaves many credit card users with the same balance they started the month with, and when you add interest on top of that, it can equal out to a higher balance. High credit card balances are a contributing factor to credit health, and having a high credit card balance can spell disaster when it comes to getting future credit as well as paying off credit cards in the long term.

Buy here pay here lots usually offer shorter term payment options at affordable rates, so that you are not paying exorbitant interest prices and your car is ultimately paid off more quickly. This allows you to attend to other credit obligations and work on different aspects of your financial health.

Buy Here Pay Here Lots Offer Payments That Are More Affordable Than Other No-Credit Options

Of course, there are other options when it comes to taking out loans to purchase a new car, but typically all these options require high interest rates and other forms of collateral. Auto Bank of Kansas City offers a variety of cars and trucks that fit with customer needs and allow customers to trade in old or unwanted vehicles to put down toward a new car. This saves them the hassle of trying to find a buyer for an old or non-working car and lowers the price of the vehicle they intend to purchase.

Auto Bank of KC Helps Our Clients Make Sound Financial Choices

Sometimes, getting lending help from a non-credit lender can feel like a curse. Lenders who don’t base their lending decisions off of credit can be more interested in making a sale than in helping out customers. Auto Bank of Kansas City is committed to our business, but we know that without happy customers we cannot stay in business. We help our customers make sound decisions based on their budgets and their parameters while also getting them a car that helps them rebuild their credit.

Auto Bank of KC Helps Rebuild Client Credit

With credit, any action made toward the health of your credit is a good action. Auto Bank of Kansas City reports your timely payments to credit bureaus, helping lenders see that you are a trustworthy lender and ultimately helps improve your credit score and get you on track to secure your financial health.

Auto Bank of Kansas City is a trusted car dealership with the cars to get you back on the road regardless of your credit history. If you live in Independence, Kansas City, Wyandotte County, Gladstone, or North Kansas City, Missouri, or Kansas City, Kansas, we can help you. For more information on how to get started with a buy here pay here car from Auto Bank of Kansas City, stop by one of our Kansas City, Missouri locations.