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Almost Everyone Qualifies for Used Car Financing at Auto Bank of Kansas City

Financing a vehicle can be a stressful situation. With what feels like endless paperwork and confusing numbers, it’s just another step in the car-buying process that adds to the pressure. Luckily, when it comes to buy here pay here dealerships, in-house financing makes everything easier.

Buy here pay here car lots do their own financing. That means instead of going through a traditional bank or loan office, everything is done by the same place you’re buying your car from. This not only makes a huge difference in saving you time, but it also is a great resource for those who may not have the credit history or resources to go through traditional banking. Interest rates and monthly payments are intimidating, but with buy here pay here auto financing at Auto Bank of Kansas City, it’s all laid out in front of you.

What Does Buy Here Pay Here Mean?

Buy here pay here is truly in the name - you buy the car and pay for it, all in the same place! At Auto Bank of Kansas City, you can find trustworthy vehicles and go through our easy buy here pay here requirements for financing all in one go.

You become pre-qualified at the beginning of your buy here pay here journey. This will help ensure you’re staying on budget and that you’re shopping for cars you can genuinely afford. The pre-approval process can be completed online before you even visit our car lot! Once you’re through the quick pre-approval, the buy here pay here process is halfway there.

What Are Buy Here Pay Here Requirements?

Buy here pay here auto financing is done for several reasons; most often, people don’t have a substantial enough credit score to qualify for traditional bank financing. Buy here pay here vehicles also tend to be more affordable, so in-house financing can be a matter of convenience for some.

When you’re purchasing a buy here pay here vehicle, there isn’t a minimum credit score required to buy. Getting approved at a buy here pay here car lot is much easier than at a traditional dealership, so your chances of getting denied are pretty low.

At Auto Bank, the credit check is pretty straight-forward. There are just a few requirements you need, including:

  • Proof of residence (such as a utility bill)
  • Contact information
  • Driver’s license number
  • Proof of income (such as pay stubs)
  • A small down payment

Once we’ve vetted your information, you can get a clear picture of your buying power.

woman smiling with her new keys

Understanding Credit for Buy Here Pay Here Requirements

It is often assumed that in order to qualify for buy here pay here auto financing, you have to have a low credit score. This is actually not true! There are no buy here pay here requirements in terms of credit score in place at Auto Bank of Kansas City. After we verify your income source, we can explore buying options for you. No matter what your credit score is, there’s a way for us to work something out.

Our friendly team will present your pre-approval amount and interest rate, giving you the information you need to choose a vehicle at an affordable price. We’ll even outline your payments, your interest rate, and your payment schedule, so you know exactly what you’re agreeing to pay.

Down Payment Requirements for Buy Here Pay Here

Depending on the vehicle you’re purchasing and the amount you will pay monthly, a down payment may be a buy here pay here requirement. After reviewing your finances with our team, you’ll get a clear picture of what your options are.

Providing a down payment, when possible, will not only make your monthly payments smaller, but it also sets you up to pay less interest in the long run. There’s way more than one way to purchase a vehicle with used car financing! A down payment can range in amount and you can even pay for your vehicle in cash.

Get Pre-Approved for In-House Financing at Auto Bank of Kansas City

Auto Bank of Kansas City is a premiere dealership offering in-house financing in the Kansas City metro area. If you’re interested in finding your next used car at our lot, fill out our quick and easy pre-approval form! Getting approved is easy, and you’ll be shopping in no time.

Visit one of our two locations in Kansas City (E. Truman Road and East Front Street), or contact us to find the right car for you.