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Used Car Options for Those Who Have Poor Credit

Credit issues can take a lot out of the enjoyment of your life. If you have credit issues, you’re likely to be unable to take out a substantial private loan, mortgage on a house, or even an emergency credit card. As much as any of us want to be able to pay for things outright, it’s just not always possible. In most cases, the inability to work with your finances due to your credit history makes you feel as though you’ve failed. This is especially true since you sometimes need financial assistance to make big purchases.

At Auto Bank, we’ve worked with many people who have credit issues. We want our potential customers to understand that even with a rocky credit history, it is still possible to make the big purchases they need. If you have poor credit and need to purchase a used car, you have options.

Make Payments on a Used Car

Family Driving Quality Used CarIt’s a more likely scenario than you might imagine. Sometimes, sellers just want a car off their hands and are willing to do so any way possible. So, if you’re searching for a used car, remember to ask about payment options, even if you are purchasing from a private seller. You might be able to get them to work out a payment plan with you. If you are someone who can only buy a car with a payment plan, you might want to consider reaching out to a buy here pay here dealership instead. A private seller will not always work with you on a payment plan, but a buy here pay here dealership will.

Buy a Cheap Used Car

Really in a bind but don’t want to spend the time working with a buy here pay here dealership or small loan company? Consider buying a cheap used car. If you go this route, always be sure to take the vehicle to a trusted mechanic before you sign any paperwork or even consider getting the car. Sometimes, a car is just cheap because the seller wants it off their hands. But there will always be that gamble when buying cheap from a private seller - is it going to break down the moment you drive it away?

A buy here pay here dealership depends upon the satisfaction of their customers. Additionally, federal regulations prohibit them from selling “lemon cars.” You can trust when you buy a bargain car from Auto Bank, you will always be getting quality, regardless of the price.

Work With a Buy Here Pay Here Seller

For those with poor credit, working with a buy here pay here seller will almost always be the most affordable, efficient, and safe way to purchase a used car. Buy here pay here dealerships get to know their customers so that they can fully understand their financial status. Additionally, they provide their customers with a variety of quality vehicle options to ensure they make a choice they are satisfied with. Customers of buy here pay here dealerships like Auto Bank never have to worry about getting denied financing or having to choose from the worst cars on the lot. We understand that cars are necessary tools in today’s day in age. Having a car helps people get and maintain the jobs they need to be successful, which is why we are so keen to work with customers. We want to help people stay successful by placing them with reliable cars.

Why Should You Consider a Buy Here Pay Here Car?

  1. It rebuilds your credit over time. Your credit history isn’t remedied overnight. However, it can make significant strides if you can increase your lending limit, make on-time payments, show credit bureaus you’re trying. Auto Bank isn’t like other companies who only report credit issues to bureaus. They let credit bureaus know each time you make an on-time payment, which raises your creditworthiness more quickly than working with other companies.
  2. You can gain access to a car much more quickly than you might be able to at a new car dealership or through a private seller. New car dealerships are typically much pickier about who they finance with. Unfortunately, this pickiness can lead to multiple meetings with them and ultimately can lead to a letdown when you are unable to get the car that you wanted from them. It is pretty common to go to many new car dealerships and get denied financing if you have credit issues. Therefore, the process can take much longer than wanted for those with marks on their credit history. On the other hand, if you go to a private seller, you will likely be able to avoid the issue of your credit score. However, if you’ve only got a limited amount of money in savings to work with, you will likely have to do a lot of research before you find a car that works for your budget.
  3. Understanding, friendly people help you through the process from start to finish. If you’re going through a rough time in your life, it always helps to have people who are there to help you through it. There’s no better way to do this when you have bad credit than by working with experts. The buy here pay here experts at Auto Bank understand credit issues and are more than willing to work with people to find solutions that work for them. Armed with empathy and industry knowledge, you’ll be sure to get what you need from a buy here pay here dealership.

Auto Bank understands poor credit does not always equate to poor financial health. If you’re in the market for a quality used car and don’t know where else to turn because of your credit history, look no further than Auto Bank. With two locations in Kansas City, we’ve served customers with credit issues from Lee’s Summit, North Kansas City, Gladstone, and more. To find out how much financing you qualify for, click here to fill out an online financing application. One of our dedicated customer service representatives will be with you shortly after filling out your application to discuss the next steps toward car ownership through Auto Bank.