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Used Car Shoppers are Shocked to Learn They Can Get an Auto Loan with Bad Credit

Buying a used car with bad credit is easier than you think

Everyone needs a mode of travel to get around, but when you’ve got a poor credit rating, it can seem difficult or impossible to purchase a car. Most car financing options are not open to you, and banks won’t offer you a loan.

The credit rating system is antiquated and inefficient. Lending establishments have an imperfect idea of how much money you have, your current income, your future prospects, and your ability to repay a loan. Instead, they use a very simple calculation to determine your credit score that only takes into account your previous lending habits.

It takes time to build up a good credit score. Ironically, if you’re great at personal financing and therefore hardly ever need to use credit, the credit rating organizations will rank you as relatively high risk and give you a low credit score. This is simply because they don’t know enough about your credit habits and whether you can be trusted to make repayments in due time if you’re lent money.


Buy here pay here dealerships offer fair car financing

Buy here pay here car dealerships typically don’t use the outdated credit rating system. Instead, they handle the financing themselves, so they can make the decision of whether a person can be lent money to finance the purchase of a car. 

At a buy here pay here car lot, you can pick out a fantastic used car and drive it away the same day, even if you have poor or bad credit. The dealership is only interested in whether you have an ongoing monthly income that will allow you to repay the car loan.


Easy auto loans with bad credit

At Auto Bank of Kansas City, you can get pre-approval for financing online or speak to a trade adviser over the phone. As long as you have a provable monthly income and proof of ID, you’re very likely going to be able to get a loan from Auto Bank.

If you already have a vehicle you’d like to trade-in, that’s fine. Your vehicle will be appraised and you’ll get a fair amount for it that you can use to trade up to a newer, more fuel-efficient vehicle. If you have an older vehicle, it pays to check how much money you can save on fuel if you upgrade to a newer model that’s capable of getting you a much higher number of miles on the same tank of gas.

You can repay your car financing in person, by mail, or over the phone. You can set up your car payment to be automatically taken from your debit card on a monthly basis, at no extra charge.


Use your auto loan to get a fantastic used car

Auto Bank of Kansas City offers some vehicles that are still within their original manufacturer’s warranty! Most vehicles for sale have low mileage and are in excellent condition. With around 200 vehicles on our buy here pay here lots in Kansas City, you’re sure to find the car that suits your lifestyle and budget.

Before we sell any car, we perform a full multi-point inspection to ensure it's in great shape. Any issues are taken care of by our professional mechanics, and you’re free to look at the entire car history to see how it has been maintained over the years.


Buy here pay here has revolutionized the car financing industry

Purchasing from a buy here pay here car dealership in Kansas City is the smart move for anyone with a poor credit history or who hasn’t yet built up their credit score. It’s really simple to do, and you’re almost certainly guaranteed to be offered a loan if you’re in employment or you get income through other means (such as rental income or disability payments).

In fact, because the red tape has been cut compared to the traditional used car dealership experience, we recommend buy here pay here car purchasing to anyone looking to buy a used car. Instead of having to go back and forth to your bank trying to get a loan and haggling with the dealership over the details, when you choose a buy here pay here dealership everything is handled under one roof. Purchases and loans are straightforward and transparent.

Get in touch with Auto Bank of Kansas City today if this sounds like the type of car purchase transaction you want. We recommend filling out our online application form so you can be pre-approved for a loan and you’ll be able to see exactly how much you can borrow for your fabulous new vehicle.