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Top 5 Reasons To Finance Your Vehicle Through a Buy Here Pay Here Dealer

If you’re in the market for a used car in Independence, Gladstone or North Kansas City, MO, but have bad credit and are afraid you won’t be able to get a car loan, take heart. You have another option besides visiting a traditional new car dealership. Buy here pay here used car dealers are the place to go for folks with credit challenges. These dealers offer financing for people with bad credit scores. We also provide car loans to people who are just starting out and haven’t had a chance to establish a good credit score yet. In Kansas City, the buy here pay here dealer of choice for many people is Auto Bank of Kansas City.

There are many good reasons to consider buy here pay here as an option, but here are our top five reasons to finance your next used vehicle through a buy here pay here dealer like Auto Bank.

Focus on the future, not on the past

Used Cars in Kansas City

Buy here pay here dealers focus on your future ability to make car payments, not on your past credit history. This is excellent news for anyone who’s had life challenges that have resulted in a bad credit score. As long as you meet the loan criteria - meaning you have a job and can prove that you have a steady monthly income that’s enough to make your payments - and you offer up a few other pieces of necessary information, you’ll most likely be approved for a loan. Buy here pay here dealers often handle the financing of the cars they sell in-house, so they have more flexibility in helping those with bad credit. Many dealers even offer special buy here pay here financing options for first-time credit buyers. Auto Bank offers a student purchase program designed especially for young folks purchasing their first car.

Buy here pay here dealers can also offer competitive interest rates to their customers. An added bonus is that they handle all the paperwork for you. The financing process is quick and easy, and you don’t have to worry about being embarrassed because of a bad credit score. This is what we specialize in.

Easy loan application process

Buy here pay here dealers typically offer a quick and easy loan approval process. Many dealers even offer online approval, so you’ll know you’re approved for the loan before you even walk into the dealership. You’ll also have an idea of how much you can afford, which speeds up the vehicle selection process. Buy here pay here dealers want to make sure you get into a car that fits within your budget. We know how important it is to keep monthly payments at a manageable level. Our loan application process helps set you up for future success.

Rebuilding for the future

Speaking of future success, not only is the loan application process quick and easy, but buy here pay here financing can help you rebuild your credit score. Many buy here pay here car lots report your good payment history to the top credit reporting bureaus in the country. Every time you make your payment on time, you’re helping to increase your own credit score. Eventually, other lenders will recognize this financial diligence and will be willing to loan you money in the future if you should need it.

Good selection of cars in different price ranges

Buy here pay here car lots often have a great selection of used cars in a wide range of prices designed to fit every budget. Once you’ve been approved for the loan and know what price range you qualify for, you can get busy picking out your favorites to take for a test drive. Often buy here pay here dealers will color-code vehicles or otherwise categorize them to make it easier for customers to find vehicles in the right price range for their budget.

On a side note: The test drive is the fun part of the process, but it’s also critically important. You have to make sure you’re comfortable with a car before you commit to driving it for the next several years. Auto Bank of KC has two locations in the metro area to serve its customers, one on Front Street and one on Truman Road. If you don’t find the car of your dreams at the first location, chances are good we have it on the other lot.

Cars are safe and reliable

All cars on Auto Bank’s car lot have been thoroughly inspected and serviced by professional technicians. They check each car we bring onto the lot for safety and reliability issues first. They fix any issues they find before the car ever makes it to the lot for customers to look at. Buying from a buy here pay here car lot is great way to make sure you’re getting safe and reliable transportation for you and your family. It ensures that you’re making a good purchase decision, too, not just throwing money away on a clunker.

Auto Bank of Kansas City is a buy here pay here dealer who’s been helping people in the Kansas City metro area get into safe and reliable used cars for over 30 years. We love the Kansas City community and really enjoy helping people pick out their next “new” car. When you visit Auto Bank, you’ll be surprised by your experience. Our friendly sales people are knowledgeable and enjoy what they do. You’ll not only find yourself buying your next car from us, but you’ll also discover that you’ve had fun doing it! If you have bad credit and are in the market for a used car in Kansas City, KS, or any other area in Wyandotte County, Auto Bank of Kansas City is just a short drive away. Stop in and see all we have to offer!