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You Can Improve Your Financial Stability with a Used Car

When you get a traditional car loan, your credit score can have a big impact on your interest rate and monthly payments. For those who have lower credit scores, this can make it feel almost impossible to buy a car at an affordable price. On top of that, many lenders won’t approve applicants with low credit scores.

Buy here pay here car lots work in a different way. Instead of applying for a traditional car loan, your financing is done through the same car lot you’re purchasing the vehicle from. You’re given financing options, regardless of your low credit score. Buy here pay here car lots make sure you’re able to afford the car you’re buying from them, and in doing so, they’re helping you build your credit over time. They don’t see you as just a score - as long as you can make your payments, there’s a buy here pay here car for you!

Buy Here Pay Here Car Lots Don’t Do Credit Checks

When you work through a typical car dealership or bank to get a car loan, they typically do a credit check. According to NerdWallet, the average credit score for a used car loan or lease is 678. If your credit score is below that, you may have a hard time qualifying for a loan.

When you go through a formal credit check, it shows up on your FICO report. This lowers your credit score temporarily, and if your credit is already low, this can be detrimental to your financial wellbeing. Don’t make your score worse by applying to multiple loans! At buy here pay here car lots, there is no credit check to get approved for financing.

On-Time Payments Help Your Credit

One of the best ways to improve your credit score over time is making full, on-time payments on your debts. At buy here pay here car lots, you make your car payments directly to the dealer you bought the car from, and when these on-time payments get reported, it benefits you over time.

When you make continual on-time payments, they get reported directly to the credit bureaus. As a result, your credit score can increase over time! Not every buy here pay here car dealership will report your payments, so knowing this information ahead of time will help you decide what financing is best.

You Won’t Get Something You Can’t Pay For

It’s easy to bite off more than you can chew when it comes to monthly payments and car loans. When you’re shopping for a used car from buy here pay here establishments, they are basing your loan amount on your income. They want to ensure you’re able to make payments in a timely manner.

At your local buy here pay here dealership in Kansas City, they take your financial needs into consideration. You won’t feel overwhelmed with a monthly payment you can’t handle, but you’ll still walk away with a used car that you can rely on.

building good credit

Long-Term Credit History with a Buy Here Pay Here Car Dealership Is a Good Thing

When you’re staying on top of payments, having consistent money going toward your car will put good merit on your credit history. Buy here pay here car lots help people grow their FICO score and financially stabilize.

Once your score starts to rise from your buy here pay here car, more opportunities will open for you. Always confirm that your payments will get reported to a credit bureau, as this is how your credit score will increase overtime. After consistent on-time payments, your score can help you take more financially independent steps in your life!

Build Your Credit At A Buy Here Pay Here Car Lot in Kansas City

It’s important to find a buy here pay car in Kansas City that is credible and trustworthy. When you visit one of these car lots, you’re likely to find several popular car brands, including Toyota, Chevy, Ford, Nissan, Dodge, and Honda. Many of these car lots provide online approval, so you can know exactly what you’re working with before you visit the lot. Learn more about your buy here pay here options at a local dealership near you!