Why Buy Here Pay Here Cars Are Great Used Car Options

Although they often get a bad rap, there’s a reason why buy here pay here car dealerships exist. They’re beginning to pop up everywhere, and more and more potential car owners are flocking to them with the hope of making payments toward a car they’ll eventually own. Sure, you’ve probably seen a buy here pay here dealership that has good looking cars out front. They might look shiny and new, but you’re concerned about whether or not they’re as good as they seem.

Let us dispel most potential car buyers’ first fears by saying this: it is against federal regulations for us to sell what many refer to as a “lemon car.” Lemons are cars with issues that get sold to unsuspecting customers without their knowledge. They’ll pay the full market price for a vehicle that they believe is flawless only to find out that it has many, many flaws. If a used car dealership is caught doing this, not only does it lessen their reputation - it can actually shut them down. Therefore, it is always in the best interest of a dealership like Auto Bank of Kansas City to provide their customers with the best used car options, as well as being open and up-front about their cars.

As well as this reassurance, there are many other reasons why those looking to purchase a used car should consider buy here pay here cars.

Greater Car Diversity at Buy Here Pay Here Dealerships

Let’s face it. You’re not going to sift through pages of Craigslist ads to see all the car deals that there are in the area. If you’re anything like most car buyers, you’re going to have two or three car makes and models that you run through a used car search engine and then come out of the search process angry when you can’t find those makes and models within your budget. Or, you’re going to go to a new car dealership and look for used cars at the dealership - only to be met with a pretty sad excuse for a used car inventory.

At buy here pay here dealerships, their inventory is how they make money. It pays to have a greater selection, so these dealerships will go out of their way to provide a wide variety of vehicles to their potential customers. Chances are, you’ll either find something close to what you were looking for at a buy here pay here dealership, or you will find a deal that you didn’t know you needed but now can’t live without.

Financing Regardless of Credit Score

Often the reason that people look to buy here pay here dealerships is because of their financing options. For those with credit issues, it is nearly impossible to get great financing options without a perfect credit score. This leads to unfair interest rates, loan denials, and even more significant impacts on their credit scores. It’s enough to make anyone want to skip the process of applying for a traditional loan altogether - except very few of us have enough in savings to be able to afford a reliable used car outright.

Buy here pay here dealerships like Auto Bank of Kansas City will finance to their customers regardless of their credit history. Using information like their monthly income as well as their other monthly financial obligations, buy here pay here dealerships can make financing options that work for the dealership and the customer alike.

Trustworthy and Reliable Cars

You can’t always trust a private seller to be right. Even if they do not intend to be malicious, it’s likely that they are not car experts and will likely miss critical issues with the car that they are selling. To sell a car, all used car dealerships must present the buyer with a buyer’s sheet - something that lets the buyer know exactly what (if any) issues exist with that car. Trustworthy dealerships, like Auto Bank of Kansas City, will go above and beyond to make sure that vehicles are trusted before they’re sold. All our cars are vouched for and are inspected to be roadworthy before putting the keys into the customer’s hands.

Quick and Easy Application Process

Applying for an in-house loan at a buy here pay here dealership is so much easier than applying for a loan through a bank or national lender. You simply fill out the online application and are approved based on the verified information you provide. There’s no waiting on credit agencies to get back to the dealership about your scores, no worry about getting approved, and no jumping through outside hoops to get the funding you need. Your one-stop-shop for a new car starts at a buy here pay here store like Auto Bank.

Low to No Money Down

Finally, one of the scariest parts about purchasing a new car is figuring out how to make a down payment. You’ve been told for years that most establishments selling you something big, like a car or a house, expect a certain amount in a down payment - usually something along the lines of 20% of the total cost. This is definitely unobtainable for many people, but not something that should be worried about at a buy here pay here dealership. Although they’ll encourage you to make a down payment, there’s always a down payment deal for every customer. Buy here pay here dealerships believe that you shouldn’t have to let a down payment get in your way of owning a reliable car.

Auto Bank has been operating in the greater Kansas City area for over thirty years. Although we’ve made some changes in the past five years, we are still committed to providing you with the best service in the area, serving the folks of Independence, Lee’s Summit, and more. We pride ourselves on creating quality connections with the folks we do business with. We offer our customers competitive in-house car financing so they don’t need to worry about how they’ll afford one of our cars. To get started with an application, visit our application page today. To set up an appointment, call our Truman Road location at (816) 241-7880 or call our East Front Street location at (816) 231-9300. We look forward to doing business with you.