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Follow These Tips to Maximize the Impact of In-House Car Finance Services

When it comes to high-value, low-cost Kansas City auto sales, buy here pay here dealerships are the place to be. Not only can you shop at these car lots near you without having a high credit score, but you can choose from a wide variety of quality cars, trucks, SUVs, and minivans that suit your lifestyle and budget. If you need a new ride, but don’t have a lot of cash, try these tips to get the best deals and secure car financing with easy payment options.

First, Let’s Talk About What Buy Here Pay Here Means

Buy here pay here is a type of Kansas City auto sales business that finances your used car purchase in-house. You secure financing through them, choose a used vehicle, and make your monthly payments to them. You do not need a third-party lender to get a loan.

Take an Inventory of All Your Financial Obligations

Before you can snag a great deal at a buy here pay here dealership, you need to know how much you can comfortably spend on a used car. Your first step is to look at how much money you make every month and subtract bills from your income. Don’t forget to include:

  • Rent or mortgage payments
  • Utility bills
  • Internet service
  • Cell phone bill
  • Car insurance
  • Gas
  • Medications
  • Groceries
  • Pet care
  • Dining out and entertainment
  • Clothing and hygiene items
  • Daycare

The balance left over is how much you may be able to spend on a used car loan. Remember to set aside a little for savings or emergencies; your balance should never be $0 after your car loan!

Bring Proof of All Your Income to the Car Lot Near You

As you take a close look at your monthly budget, make sure you’re including all your monthly income. For example, if you work full-time at a store, you should consider how much you make there. But if you have a side gig delivering food or you work two weekend days mowing lawns, you’ll also want to consider that income. Similarly, if you receive disability payments but are also allowed to work part-time, consider both the money you earn while working and your compensation from disability. Be sure to bring proof of all your income with you to the buy here pay here dealership. The higher your income, the more you may be able to spend on a vehicle, or the better your car finance terms may be. In short, proving your income helps you get the best possible deal on a used car in Kansas City.

Wait for Special Deals and Promotions at the Buy Here Pay Here Dealership

Just like traditional car dealerships have special deals around the holiday seasons or other important annual events, so do buy here pay here car lots. You can often get a better deal, including reduced down payments or sale prices, on vehicles during these promotional periods. Follow car lots near you on social media to watch for updates on special dealsthey’re offering so that you’re ready to buy when the time is right.

Save for a Larger Down Payment for Used Cars in Kansas City

Another great way to ensure you receive the most favorable loan terms is to save up for a larger down payment. The larger your down payment, the lower your loan balance will be. Larger down payments may also help you qualify for a lower interest rate, saving you money over the life of the loan. Some buy here pay here dealerships have set down payments listed by vehicle on their lot, and you need only that amount. Others will let you choose your down payment. If possible, set aside a little extra cash for a larger down payment. You can do this by selling video games you don’t play anymore or quality clothes you don’t wear anymore, skipping a take-out coffee a few days a week, or opting to eat leftovers instead of going out to dinner. You can make extra cash by doing odd jobs for neighbors, like mowing their lawn, walking their dogs, or helping them move furniture or boxes. Stash any extra earnings somewhere safe, so you have it ready to add toward your down payment.

Have Questions? Go Straight to the Source

If you have questions about in-house car financing, your best bet is to contact the buy here pay here dealership nearest you. Their friendly team can help you get answers, so you’re prepared to drive away in a nicer, newer vehicle the very same day.