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Plus, Why Buy Here, Pay Here Car Dealerships Are the Right Choice

If you’ve ever shopped for used cars in Kansas City with zero or bad credit, then you know it can be a tremendous struggle. Fortunately, buy here, pay here car dealerships are here to help you find an affordable, used car without ruining your credit. Don’t let the rumors stop you from getting a new ride. Look at these top myths about buy here, pay here dealerships (BHPH), and get the truth.


Myth #1: Buy Here, Pay Here Pay Here Dealerships Sell Low-Quality Used Cars

This couldn’t be further from the truth, because many reputable buy here, pay here car dealerships carry pre-certified cars that go through rigorous, multi-point inspections that guarantee you’re getting a quality used car. In fact, the best used car lots created their own finance companies to give people struggling with credit the opportunity to purchase a vehicle they could rely on.


A Look Into the Past of Car Finance

When the United States hit a savings and loan crisis in the 1970s, people couldn’t afford to buy new and used cars. Unemployment was rising, and the economy was transitioning from being production based to service based. Dealerships needed to sell cars, without raising prices. This gave rise to buy here, pay here car dealerships. Buyers didn’t have to fork out a ton of cash, but could still get approved for car finance. 


Myth #2: You Need a Ton of Money Down to Get Great Used Car Financing

There are actually a lot of buy here, pay here dealerships that require little or no money down, in order to purchase their used cars. BHPH used car dealerships know that most people can’t afford to put a large down payment on their vehicles. That’s why they offer local car financing to cover the cost of a small down payment. When you need a car in a pinch, a reputable buy here, pay here car dealership can be a real lifesaver.


What Makes a Big Difference in Local Car Financing

Any used car lots near you can offer in-house financing, but a dedicated team is the only way to get the best rate on your auto loan. Always choose a buy here, pay here dealership that has an expert staff focused on customer service, not making a sale. At Auto Bank Kansas City, we intend to develop long-term relationships with all our customers. Not only can you purchase used cars from our lots, you can get select services, too!


Myth #3: Buying Used Cars in Kansas City From a BHPH Dealership Is a Long Process

When you visit traditional new and used car lots near you, buying an automobile can take hours, sometimes days. This is for a few reasons:


They Don’t Have the Car You Want In Stock

It’s no secret, there is a shortage of new and used cars in Kansas City. So, if you find a car you love, you might have to wait for several weeks to drive it. You won’t be able to apply for car finance until it arrives on the lot.


Some Used Car Lots Are All About the Sale

How many times have you looked for a used car only to be met by a dealer who is only interested in moving cars off the lot and getting paid. This attitude toward selling cars can lead to long negotiations that lead to you wasting your time and walking away. 


Their Team is Overwhelmed

When a car dealership doesn’t properly train their staff, they can become easily overwhelmed by simple processes like car finance. They might make mistakes that draw out the car buying process, which is why you should always find a buy here, pay here car dealership that trains their staff how to give excellent customer service efficiently. 


So, Is Buy Here, Pay Here Financing Right For You?

If you’ve been to several used car lots in Kansas City, and can’t find a quality vehicle without a large down payment or hard credit-check, then you’re going to love buy here, pay here financing! Especially at Auto Bank of Kansas City!

Not only do we sell high-quality used cars, we offer the best car finance you can find. So, if you want the best used car lots near you, then look no further than Auto Bank of Kansas City. We have two car lots full of inventory! To request an appointment for a test drive, call our E. Truman Road location at (816) 541-7880, our used car lot on East Front Street at (816) 231-9300, or reach out to us online. Ask us how you can get your first two oil changes for free when you buy a car from our dealerships.