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How to Build Your Credit While Driving Your Buy Here Pay Here Car

Car Finance from Auto Bank of Kansas City Has Even More Benefits Than You’d Expect

Kansas Citians with low or no credit history are still eligible for the car of their dreams. It would be unfair to deny someone those precious four wheels just because of a few financial mistakes, or even because you aren’t old enough to build a robust credit score yet. 

We all depend on vehicles these days, and walking seems out of the question when so many important stops are so far from each other. Our city is spread out, and you need a way to get around that is dependable and reliable. Public transportation can be effective, but what if you’re needing to get somewhere fast, such as an unexpected job interview or even for a family emergency?

When you think about it this way, a Kansas City used car is really, to some degree, a human necessity in our modern age. That’s why our Buy Here Pay Here dealership exists - to ensure you get the car you deserve from one of our used car lots near you. 

What’s more, there’s an added bonus when you work with Auto Bank, the leader in Kansas City auto sales: you get to build your credit score! Find out how in our comprehensive article below. 


Related Research: How to Wash Winter Off Your Used Car in Kansas City


How Can a Buy Here Pay Here Used Car Help Your Credit Score?

When you buy from a Buy Here Pay Here dealership - and especially when you tap into the inventory at our Kansas City used car lots near you - you get the best car finance options available. 

If you’re one of the many people who aren’t able to get financing at traditional dealerships, and may not want to deal with the classic dealership hassles, Auto Bank may have your solution. 

When you opt for car financing with Auto Bank of KC’s Buy Here Pay Here dealership, you give yourself a chance to build back your credit score - and now you have the wheels to do it. 


Imagine the following scenario:

  • You have low or no credit because of your age, life circumstances, or errors with credit you made in the past. 

  • You come down to Auto Bank of Kansas City to pick out the car you want from our deep inventory of Kansas City used cars at one of our two used car lots near you. 

  • We get you set up with easy car financing, and you’ll be approved and ready to make payments right away. Then, you can drive off in your vehicle knowing Auto Bank has you covered for easy payments online, by mail, over the phone, or even in person.

  • Now that you have a used car, you can go on those interviews you weren’t able to make, you can be there for a friend or family member who is in need, and you can even commute to school. You can see that actions have reactions. When you finally have the means, you can put in the effort. And when you put in the effort, good things have a better chance of happening. 

  • As you make your monthly payments on your vehicle from the leader in Kansas City auto sales, you’ll be able to build your credit score. Soon you’ll notice your score increasing! Just make sure to make those payments on time, and you’ll reap the rewards of responsible, smart financial decisions. 


Related Research: Why Buy Here Pay Here is Great for College Students


Now, imagine this unfortunate scenario - one you want to avoid:

  • You’ve had trouble with your credit in the past, and you need a car to be able to get to your job, as well as night classes. 

  • You head to a dealership to see if you can lease one of their certified pre-owned vehicles. 

  • However, after a test-drive and the sales team talking you up, you end up in the financing cubicle, where they tell you that they simply can’t make a deal. 

  • You decide to rely on another employee for a ride to work, but one day they stop showing up. You miss your ride, and now your manager is cutting your hours out of resentment. 

  • You try to take public transportation to your night classes, but when your schedule changes in the second semester, there isn’t a bus that gets you there on time unless you wait for the bus 2 hours early. Unfortunately, you have to ask that same boss at your job to let you out thirty minutes early, and he isn’t having it.


As you can see, trying to make a deal with a traditional dealership is not an effective way to get behind the wheel and take control of your life. You’re doing all the right things, but nothing seems to be enough. 

However, with a break from Auto Bank, you can select one of our premier used cars in Kansas City - take advantage of our car finance options - and take the wheel!


Related Research: 3 Tips to Make Your Buy Here Pay Here Vehicle Look and Feel Like New 


What Can Good Credit Do For Me, Once I’ve Made Consistent Payments on My Buy Here Pay Here Car?

Don’t leave your good fortune up to chance. Getting the ball rolling for your financial future can happen with the decision to work with the leader in auto sales in all of Kansas City, Auto Bank. Our Buy Here Pay Here dealership has witnessed many customers who have been able to get their bearings and return to a life that doesn’t involve the insecurity of not having a car - or even the credit to buy one. 


When you make monthly payments based on the car finance options we have available for you, you can build your credit score, and this can lead to the following additional benefits:

  • A better rate on car insurance

  • A larger line of credit on credit cards

  • More affordable home loans

  • Lower interest rates on all kinds of loans

  • It looks better to employers 

  • Access to a cell phone with a monthly bill, instead of a prepaid phone

  • Self-worth and confidence 


Related Research: 5 Tips to Extend the Life of Your Used Car in Kansas City


Visit Auto Bank’s Buy Here Pay Here Dealership and Take the Next Step Toward Your Success 

As you can see, the effects of making good choices can continue to snowball for you. And while Auto Bank of Kansas City, the auto sales team to beat in our area, loves being able to see you get behind the wheel in a terrific car from one of our two used car lots near you, we are even more proud of those who find the confidence and self-esteem that comes with redirecting your life positively. 


We understand that this can happen with a little boost from a Buy Here Pay Here dealership, so we’ll continue our good work in the Kansas City used car business, cheering you on! Come visit us, or give us a call. Our East Front Street number is (816) 281-7210, and our Truman Rd. location can be reached at (816) 207-3738. We look forward to seeing you fulfill your dreams with a little help from Auto Bank.