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How to Qualify for a Car Loan with Bad Credit

A Buy Here Pay Here Dealer Can Help You!

If you’ve spent any amount of time talking to traditional car loan lenders like banks and credit unions, then you know they have specific qualifications you must meet before they’ll offer you financing to buy a vehicle. Some lenders can be quite strict about applicants’ credit scores and household income, leaving those with past financial struggles without the opportunity to get a reliable car.

Fortunately, there is a very simple way to qualify for a bad credit car loan and drive off in your new car the same day. Buy here pay here car dealers like Auto Bank of Kansas City works with everyone, despite their checkered credit history, to get them into an affordable car. How do we do it? By providing you with in-house financing. That’s right -- we lend you our own business’s money to help you buy a car that you’ll love.

car loan with bad credit

Who Qualifies for a Bad Credit Car Loan?

While some banks do offer car loans to those with poor credit, they are rare and difficult to find. These types of car loans may result in an overwhelmingly expensive monthly payment, despite the car you have your eye on being reasonably priced. Even if you’re approved for a traditional car loan, you might not be able to afford what you truly want because you just aren’t comfortable with payments so high, they aren’t offering to lend you enough to get the vehicle you want, or you’ll be expected to come up with a high down payment.

At a pay here buy here car lot like Auto Bank, we will approve you for an auto loan based on what you can actually afford, not based on your credit score. Instead of wasting your time, letting you look at vehicles on our lot and getting you to fall in love with one outside of your budget, we’ll help you determine exactly what you can afford, and only show you cars that are both affordable and meet your needs.

We actually don’t run your credit score at all because we don’t believe that’s a reliable way of knowing whether someone will pay back their loan. People change and grow over time, and it takes quite a while to improve a credit score -- or sometimes financial issues happen that isn’t anyone’s fault. Because we consider you as a person, rather than a three-digit number assigned to you by a credit bureau, we are able to help you with a vehicle purchase out of respect and caring for our community.

What Do I Need to Apply for In-House Financing?

Because our finance specialists tailor a loan package to fit your needs, we only need minimal information from you to get you approved for a bad credit car loan. When you visit us in-person to apply, or fill out our secure pre-approval form online, you’ll need to answer questions about where you live and how much you pay for your mortgage or monthly rent, where you work and how much money you earn, and the type of vehicle you’re looking to purchase from us.

To help us verify your information, we ask that you bring your photo ID and recent pay stubs from your job. All of your information will be kept private.

How Should I Prepare for My Visit to Your Buy Here Pay Here Car Lot?

Aside from applying for pre-approval, there are a few other things you can do to prepare to purchase a used car in Gladstone from our buy here pay here dealership.

If you plan to trade in your current vehicle, our online tool allows you to calculate the value of your trade -- how much money we may give you for your car toward a down payment on a nicer, newer automobile on our lot. Of course, you will need to bring us your vehicle to inspect in person for a final appraisal.

You also can calculate what your monthly payment might be with our financing using our auto loan calculator. Simply input the price of the vehicle you’re interested in buying, along with your down payment to see what your monthly payment could be. These numbers will give you a good estimate, but don’t let that discourage you from talking to us in person if you feel the cost is too high. We are experts at creating custom financing packages and are ready to do that for you, too.

Browsing our huge inventory is also a great idea to help you understand the kinds of cars you can expect to see on our Kansas City used car lots. We think you’ll be pleasantly surprised by all the late-model cars, trucks, and SUVs we have available to you, many of them only a couple years old!

Why Should I Buy a Used Car from Your Pay Here Buy Here Dealership?

When you shop for a used car for sale in Kansas City and the surrounding area, there are many options available to you. You could visit a traditional dealership, buy from a private owner, or try your luck at an auto auction. What sets a buy here pay here dealership apart, though, is that we make financing your new car much easier than all these other options.

If you visit a traditional Kansas City car dealership, you risk not being approved for a loan because of your credit history and having your credit score lowered even further for even applying for a loan. When you buy from a private owner, your bank may not want to lend you money, so you’ll have to come up with the cash to purchase a car outright -- and spend the time and effort taking it to a mechanic to be looked over to make sure you aren’t being scammed. And buying a car straight from an auto auction is another gamble altogether. You might get a cheap car there, but it is also highly likely to need a lot of work from the start, which costs you both time and money.

Buying from a private owner or car auction is extra risky because these options do not provide you with any sort of warranty on the vehicle you buy. When you purchase a reliable used car from Auto Bank, you automatically receive a warranty on your vehicle to help protect your investment. Contact us to learn more about our warranty.

Need to Find a Used Car For Sale in Independence or Grandview?

The vehicle of your dreams is just down the road from you at our two locations in Kansas City. Stop by and see us at 6901 East Front Street in the Northeast or 2000 East Truman Road, just east of the Power and Light District to get started on our easy financing process and to drive away in your nicer, newer car today.