Adjust Payment Terms ×

We want to help you find the perfect car that fits your budget. Please adjust the options below so we can estimate the most accurate monthly payments.

Estimated Credit Score or Interest Rate

Desired Loan Term (months)

How much will you put down?

All tax, title and vehicle registration fees are additional. See dealer for complete details.

Options for Financing a Used Car in Kansas City

Summer is coming in Kansas City, and Missouri and Kansas residents are probably thinking about the many options for summer vacation locations. There are so many free and cheap outside options for those looking for a way to escape the heat and constancy of the city. Whether it’s visiting Johnson’s Shut-Ins for a dip and relief from the hot sun to heading to one of the many majestic caverns located across Missouri, or perhaps heading out to the Tallgrass Prairie National Reserve in Kansas, the area is rife with natural beauty and summertime adventure for the outdoors person in all of us.

Unfortunately, one downside to visiting these natural wonders is understanding that you need a car to get to them, especially if you live in the city. For those of you who have been putting off getting a new car because of your credit score, financial limits, or inability to save up enough to get a used car, there are options for car financing around Kansas City. While we think that buy here pay here lots are optimal for those looking for a new car, there are many options for financing a new-to-you vehicle if you need to get away from it all this summer.

Buy Here Pay Here Cars

Financing a Used Car in Kansas CityBuy here pay here car dealerships are full of great car options. We’ll go more into their benefits later on, but we want to discuss more about what buy here pay here cars are. Essentially, a buy here pay here car dealership is a dealership (most often dealing used cars) that offers in-house financing. Typically, the financing terms are for shorter periods because they deal with affordable used cars. Buy here pay here dealerships usually offer trade-in deals, as this is one of the ways that they keep their car inventory so varied.

Vehicle Trade-ins at Dealerships

Many more factory dealerships offer to finance today than did in the past, but financing options are somewhat limited unless you have stellar credit. Trading in an older vehicle at a factory is a great way to save some money on the purchase of a new car. However, vehicle trade-ins at factory dealerships are also often restrictive. Many will not purchase vehicles over a certain age, of a specific brand, or with a certain number of miles on it. Instead, considering a used car dealership or buy here pay here lot like Auto Bank will give you the option to trade in an old car for credit while also letting you finance regardless of your credit history.

Auto Loans

If you have your eye on a used car from a private seller, an auto loan is an excellent option for obtaining that car if you don’t have the cash on hand. However, for those with credit issues or for those on a time budget, auto loans aren’t always the best option. If you can secure an auto loan from a bank or credit union and you have poor credit, chances are your interest rate will be through the roof. Likewise, if you need a car in the next few days, you likely will not be able to get your loan disbursement quickly through traditional auto loan means.

Why Choose a Buy Here Pay Here Car Over Other Options?

It’s safe to say that buy here pay here cars are usually the best option if you need a reliable vehicle quickly. But if you’re still on the fence about why you should visit your local buy here pay here car dealer, consider these reasons as well.

  1. Buy here pay here cars are usually better quality than private sales through owners. You might happen upon one of those great cars where the owner took meticulous notes on each servicing. That’s great! That means you have an idea about what to expect for repairs down the line and what you won’t need to plan for. However, even with the most well-kept vehicle maintenance notes, there’s no guarantee that your car will be in good shape a year from when you buy it. And well-maintained vehicle logs are few and far between. You’re more likely to find a car being sold privately that looks nice but might not run that well. With buy here pay here cars from reputable dealerships like Auto Bank, their vehicles are their livelihood, so they take great care of them from the time they make it to their lot to the time the keys are put in your hands.
  2. You can get financing for a used car regardless of credit. Too many people are turned away from the car buying process by the fact that they have been denied loans in their past because of their credit. Buy here pay here lots are a perfect option for those who are struggling with their credit. Financing a buy here pay here car allows you to rebuild your credit while allowing you access to the vehicle you’ve been looking for.
  3. You get warranties on your cars, just as you would a dealer car. Auto Bank takes its cars seriously, which is why we offer warranties on our vehicles as if we were a factory dealership. You don’t have to turn to a factory dealership to get the car you want. You need to find a dealership who offers warranties on their vehicles to get the quality cars you deserve.
  4. You spend less time paying off your loan. One stressor that nearly all borrowers go through is dealing with the amount of time that they take paying off their loan. On new cars, loans periods are often 10-15 years because the amount that must be taken out to afford a new vehicle is extremely high. Buying a quality used car from a reputable dealership like Auto Bank gives you car options that are both extraordinarily viable and affordable. A typical financing period for a buy here pay here car is 1-3 years. You spend less time paying off a reliable vehicle and more time owning the car itself!

Auto Bank of Kansas City is the premier used car option for anyone in Gladstone, Kansas City Northland, Parkville, Liberty, and surrounding areas in Missouri and Kansas. If you need a car to quickly get to work or to take your next big summer adventure, look no further than Auto Bank. Contact us today for more information about getting your next car.