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Buy Here Pay Here Car Lots vs. Traditional Loans

If you are a person who is dealing with less than stellar credit, you know how hard it can be to find a place that will accommodate you when it comes to getting a car. You know too well that sometimes a Buy Here, Pay Here car lot can be your last option. We don’t want you to think of it as a last resort though. We want you to think of it as someone who is willing to help you out when no one else will. We want to talk to you about some of the benefits of buying from a Buy Here, Pay Here dealership. Sometimes people look at these dealerships negatively and don’t realize how much they benefit people.

One-Stop Shopping

If you go into a Buy Here, Pay Here dealership, you can do all of the processes of getting a car right there in that one place. We will help you find out what your credit situation is, provide you with the right loan, help you pick a vehicle in the price range that works for you, and take your loan payments right there. Here you can pay your loan back to us with bi-weekly payments given directly to us.

By allowing you to shop in one place, we are helping to eliminate some of the stress that comes with buying a car because we make it so you only have to deal with one party, the dealership.

Loan Processing with Buy Here, Pay Here

buying a used car

Most individuals who arrive at a Buy Here, Pay Here dealership are not in a position to pay car dealers upfront for the full cost, fees, and taxes associated with purchasing a new or pre-owned vehicle. Most of the customers shopping at Buy Here, Pay Here auto dealerships are hard working Americans who have a dream for financial opportunity and leisure. Fortunately, individuals who have an employment history, references, and a reasonable salary will have multiple financing options available to them through a private car loan or lease.

You Can Always Get a Car

When it comes to a Buy Here, Pay Here car lot, most people don’t realize that we are eliminating having to run around and find someone that will give you a loan even if you have bad credit. We will always help you get into a car no matter what your credit looks like. People often overlook this fact when it comes to these types of dealerships. We are willing to take on the risk of giving you a loan even though banks and other dealerships aren’t willing to do the same. We know we are usually considered a last resort but we don’t think you should think of us that way.

At a Buy Here, Pay Here dealership, the dealer will first see how much the customer will qualify for in terms of the loan and down payment options. However, for individuals with a strong work history or credit history, no down payment options may be available. Next, the dealer will tour the car lot with the customer and show them the vast portfolio of car options available to them for purchase.

We Offer a More Rigid Way to Pay Back Your Loan

With a Buy Here, Pay Here dealership we have you pay bi-weekly in cash so we don’t have to deal with bounced checks or money orders that fall through. It is easier for you to not send in a check than it is for you to not hand over your cash to the dealership in person on the right date. This is actually more beneficial for you and the dealership and keeps us both from losing. Paying back a loan this way makes it easier for us to track who is paying and who isn’t and also makes it less likely that you will default on the loan. This system is the best for keeping people on track when paying back their loan.

Safer Purchases

Buy Here, Pay Here dealerships firmly believe in the customer and their goals. It is our philosophy that if individuals are to succeed, then they will need the tools required for success in our contemporary society. A car purchased from a Buy Here, Pay Here auto dealership comes with flexible bumper-to-bumper and powertrain warranty packages, a thorough pre-purchase multi-point inspection, and auto detailing and customization options.

Promotes Financial Responsibility and Growth

As stated above, Buy Here, Pay Here dealerships and their system of paying back a loan will help those consumers who have poor credit to make sure they are paying on time and becoming more financially responsible. If you have to pay a loan twice a month in person for more than a year, you will most likely keep that habit going because the habit is not going to disappear overnight. With this rigid system in place, you will be able to make timely payments on your loan. When you do go to a regular system of paying by check once a month then it will be an easy transition for you and you will have no problem paying your bills on time.

Ensuring a fail-safe program of due payments will help you become a pro at making payments. Additionally, by becoming more responsible, you become a less-riskier candidate for a lower-interest-rate loan, which is a reward in itself for showing you have grown financially into a more responsible and trustworthy person. Having good credit opens up more doors for you, helping you attain a better quality of life.

The future does not have to be bleak. There is no shame in striving for a better life – even if that means asking for help. That is exactly what Buy Here, Pay Here dealerships provide - help when no one else will. You can get back on your feet; you just have to trust in the hand that is reaching out to pull you back up.