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We want to help you find the perfect car that fits your budget. Please adjust the options below so we can estimate the most accurate monthly payments.

Estimated Credit Score or Interest Rate

7.9% Very Poor < 600
6.4% Poor 600-679
4.9% Fair 680-719
3.4% Good 720-780
1.9% Excellent > 780

Desired Loan Term (months)

24
36
48
60
72

How much will you put down?

All tax, title and vehicle registration fees are additional. See dealer for complete details.
Location 1:
(816) 241-7880
2000 E. Truman Road
Kansas City, MO
Location 2:
(816) 231-9300
6901 East Front Street
Kansas City, MO
Se Habla Español

Auto Bank’s Bad Credit Car Financing Is All But Guaranteed - Or We’ll Give You 10K

The start of a new year is the chance for fresh starts, and that includes buying a new-to-you preowned vehicle. But what if your credit history is less than stellar, and you’ve been turned down time and time again for financing? Make 2024 work in your favor at Auto Bank, where you can qualify for a used car loan without a credit check and without another hard inquiry on your credit report. Our buy here pay heremodel makes it easy for anyone in Kansas City to get a reliable vehicle they deserve. Keep reading to learn how it works and what you should do today to be ready to make your life-changing purchase in the new year.

woman typing on computer

What Do I Need to Buy a Car with Bad Credit?

If you have a challenged credit history or if you haven’t been able to build your credit, then you likely won’t qualify for a car loan from a traditional car dealership or lender, such as a bank or credit union. In this case, you can apply for bad credit car financing at our buy here pay here car dealerships, with two locations in Kansas City. All you need to do to apply is to provide a government-issued photo ID (like your driver’s license), copies of your most recent pay stubs, and a current utility bill with your name and address on it. You also will need to bring a down payment. Depending on the kind of car you buy and its list price, the down payment will vary. Talk to one of our friendly team members to learn more about your down payment options when you visit our dealerships, or call us before you come so you have time to gather your down payment. Click here to learn more about our buy here pay here requirements for financing.

How Does Applying for Bad Credit Auto Financing Work?

Getting car financing for bad credit isn’t hard or time-consuming. In fact, applying for a used car at a buy here pay here dealershipis fast and easy. Here’s how it works.

  • 1. You bring your required documents with you when you visit our car lot in Kansas City.
  • 2. You will fill out our brief application form on our website.
  • 3. Our team will review your documents and application and approve you for your car loan based on your budget and lifestyle. We will never check your credit score.
  • 4. You will be approved for a car loan, choose a vehicle from our wide selection, and drive off in it in as little as one hour.

We’re so confident that you’ll be approved for a car loan based on your income that if we can’t approve you, we’ll hand you 10k. Our financing also makes it possible for you to improve your credit score as you pay back your loan, which will let you access even more opportunities in the new year. Click here to learn how you can improve your score with help from Auto Bank.

Will I Get a Quality Used Car, Though?

You might be thinking that buying a car in 2024 with bad credit means you’ll end up in a hooptie or clunker. At Auto Bank of Kansas City, this simply isn’t true. We offer quality pre-owned vehicles for every budget and lifestyle - cars, trucks, minivans, and SUVs! Not only do we inspect every vehicle before we offer it for sale on our two convenient car lots, but we provide an 18-month protection plan when you buy a used car from us. These late model vehicles come equipped with some of the latest safety features and infotainment technology, and we’ll show you the vehicle history report so you can make the most informed decision. Browse our inventory to see the kinds of quality, reliable vehicles you can choose from, based on your budget and needs. Click here to read more about the kinds of cars we sell.

How Do I Get Started Buying a Car in Kansas City?

To put the wheels in motion and get a reliable used car in the new year, start by filling out our bad credit car financing application on our website. Then, visit one of our two locations to finalize your approval and take test drives: 2000 E. Truman Road, Kansas City, MO 64127 (816) 207-3738 6901 E. Front Street, Kansas City, MO 64120 (816) 281-3975 Our friendly team looks forward to helping you get a reliable car so you can crush your resolutions in 2024!