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The Basics of Buy Here Pay Here Car Financing

Financing a car - whether it is used or new - can be a confusing process. You usually will need to provide proof of income, legal ID, and other documentation that verifies your ability to make payments on a car. If you’re buying from a factory dealership or third party, you’ll need to supply your own money or apply for a loan through a bank. This extra step can make a difference in the enjoyment of the car buying process. Applying through a bank is not guaranteed, is dependent upon your credit score, and can even take multiple weeks to go through. Buying a car usually cannot wait this long.

When you buy from a buy here pay here car lot, you’re able to skip the step of financing through the bank. Most buy here pay here car dealerships do not depend upon your credit score to offer financing on their inventory, and in most cases when you apply for financing, you can drive away from the dealership with your new car and a newly-gained sense of independence. Buy here pay here car financing is different from traditional car financing, but in many ways, it is a lot simpler.

A Deeper Dive Into Your Financial Life

bhph financing basics

A look into your finances is common in loan applications, regardless of how you are getting financing. With traditional loans, lenders look into your credit history. They’ll have access to your social security, information about your job, and more. Buy here pay here dealerships also look into your financial life, but in a different way. Before offering you a loan, buy here pay here dealerships will ask you certain things about your financial history as well, but lending is not dependent on your credit score. At Auto Bank of Kansas City, we have you fill out a form that defines your monthly rent obligations, your employment information, what type of car you are hoping to take out a loan for, and how much you are willing to take out.

Financial check-ins are always our first stop because they help us determine how we can best help you. If you make $1200 a month after taxes but pay $600 a month in rent, we most likely will not be able to offer you a loan for the most expensive car on our lot. Our biggest priority is to work on making the customer happy, and part of your happiness is making sure that you are financially secure. Using the information we receive from your loan application (and/or our meeting with you) we can make you offers that will not only fulfill your used car wants and needs, but will also prevent you from breaking your bank.

How to Make Payments on Your Loan Once You Are Approved

If you’re reading this and have already been approved on a loan, congratulations! You’re on the road to independence through the purchase of your car. You might have even made your first payment. If you’re still reading up on the process, or if you’re confused about how to make payments, rest assured that payments are simple and easy to make. The salesperson working with you on your case will provide you with directions on how to make payments. At Auto Bank of Kansas City, you have two options available. You can either mail your payments into one of our locations, or you can make payments online. The choice is entirely up to preference - another way we try and make life easier for our customers.

FAQs About Buy Here Pay Here Financing

How do payments differ from loan payments to a financial institution?

While payments are catered to the preference and financial history, there are a few differences. One of the most noted differences is that payment schedules can vary. While some buy here pay here establishments do monthly payments, others do weekly or bi-weekly payments.

Are there any financial benefits to financing through a buy here pay here car lot?

Yes! For people with past credit issues, financing through a buy here pay here car lot is not only a way to obtain a car, but it is a way to rebuild credit. The way that credit scores work is that various lines of credit and loan accounts opened in your name will report specific information to the three main credit bureaus in the United States. The amount you have open on each loan or line of credit, the number of years your credit history has been open, and the number of on-time payments all impact this score. Because we report your on-time payments to credit agencies, it offers people with credit issues the ability to rebuild their credit while also obtaining a car.

Why might I finance through a buy here pay here dealership if I have excellent credit?

Financing through a buy here pay here car lot is not just for people who have credit issues. Anyone can buy from a buy here pay here lot, and often people choose these lots for their overall convenience. When you don’t have the time to wait for a traditional car loan, or you need a car fast for work, or otherwise, it is worth it to look into a buy here pay here car.

Can trade-ins impact my financing options?

Absolutely! If you need a new car and have an old car that you think you could trade in, we can apply the worth of the old car as a down payment on the new car. This saves you the hassle of trying to sell your old car as well as helping you pay less interest on your loan down the road.

Auto Bank of Kansas City is a leader in buy here pay here financing and car sales. Our two locations in Kansas City offer many quality used vehicles as well as the option to finance these vehicles regardless of your credit history. For more information on how financing works, or to set up a test drive of one of our cars, contact one of our locations for more details.