How to Prepare to Buy a Used Vehicle at a Buy Here, Pay Here Dealership
No Credit? No Problem! Our Buy Here, Pay Here Financing Can Help
If your credit score has held you back from
purchasing a car of your own, you aren’t completely out of luck. At Quick Auto,
our buy here, pay here financing model can get you on the road - and fast!
Purchasing a used car from our buy here, pay here dealership has never been
easier, and there are things you can do to get started right away.
In this guide, we’ll walk you through how you
can prepare to visit one of one of our used
car dealerships near you. Taking these steps can help you feel more
confident about your buy here, pay here purchase, and put you behind the wheel
in no time.
Familiarize Yourself with Buy Here, Pay Here
First, it’s important to know what makes buy
here, pay here dealerships stand out from other used car dealerships near you.
Both of these dealerships work relatively the same way, and are a great
resource for anyone looking to purchase a reliable used car. Where they differ
is the car financing.
Buy
here, pay here financing is done in-house, meaning you make your payments
directly to the dealership, rather than the bank. This enables those with
little to no credit to purchase a car of their own.
At our buy here, pay here dealership, you
don’t have to pick out a car right away. Instead, our team can help you assess
your finances, and then grant you a loan. After that, we’ll show you which used
cars on our lot will fit your budget best.
Save Up for a Down Payment
When considering purchasing a vehicle from a
buy here, pay here dealership, you’ll want to save up for a down payment. This
allows you to secure an affordable monthly payment, and will make your budget
more manageable later on.
The down payment depends on the sale price of
the car. Once you’ve signed for the car, the down payment is subtracted from
the total sale amount to determine the amount you still owe. The higher the
down payment, the faster you’ll be able to pay off your vehicle.
Calculate Your Monthly Payments
Next, consider your monthly payments. It’s a
good idea to calculate what you may need to spend on your payments each month,
so there aren't any surprises down the line. Remember that this amount does not
include insurance or gas. You’ll want to make sure you purchase a car you can
actually afford.
The good news is, you don’t have to do it
alone! Our car finance team at Quick Auto can help you assess your finances,
and determine a budget that works for you. This can help ensure that you’re
only looking at cars that are within your price range.
Pre-Apply Online
Pre-applying can speed up your process of
finding a used car. You can even fill out our car financing application right from
your couch! Completing it now can get you approved before you even arrive at
our buy here, pay here dealership. Just specify which of our used car
dealerships is closest to you, and fill out the form online.
Our buy here, pay here financing doesn’t
consider your credit score. Instead, we take a look at your monthly income and
if you’ll be able to pay back your loan. To get a loan, you’ll just need to
provide us with a valid driver’s license or state issued ID, a recent pay stub,
and a bill. The bill must be from within the last 30 days and addressed to you.
Now You’re Ready to Visit Our Buy Here, Pay
Here Dealership!
It’s finally time to visit our used car
dealership! At Quick Auto, we can put you in the driver’s seat regardless of
your credit score. Our buy here, pay
here financing model can get you approved and on the road in no time.
Our inventory is full of quality used vehicles
to suit every budget. We offer a variety of makes and models, so there’s
something for every driver. The choice is yours between cars, trucks, and SUVs.
Finding one of our used car dealerships near you has never been
easier. We have a total of seven locations, serving areas of Indiana,
Michigan, and Illinois. Apply for our buy here, pay here financing in Hammond,
South Bend, Highland, Elkhart, La Porte, Mishawaka, and Portage!
If you have any questions about our car
financing process, don’t hesitate to send us a message online! We can’t wait to
hear from you soon!
