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Consider Buy Here Pay Here When Looking for a Used Car

The search for the right used car can seem like more hassle than it is worth. When you start the hunt for a previously-owned vehicle, you might have to sift through thousands of cars from salespeople you don’t know and are wary of trusting. That aside, if you are unsure of what you are looking for, it takes additional research to find the right car for you. The very process is enough to make anyone tear their hair out in frustration.

Buying a used car at a major car dealership comes with headaches of their own. There, you have to rely on commissioned dealership employees to find a bank willing to give you a loan, and after falling in love with a car, you might find that your monthly payments might not be affordable enough for your budget. And, if you don’t have the best credit, you might end up being offered a car loan with terms you don’t want to agree to--if you can qualify for one at all.

Luckily, there’s an alternative to this stressful situation. Working with a pay here buy here car lot, like Auto Bank of Kansas City, allows you to get an affordable, quality used car without having to jump through hoops.

Here’s a little bit more about what the process looks like and what to expect from the buy here pay here financing process.

What is Buy Here Pay Here?

Buy here pay here car car lots, simply put, help you purchase used cars using their own in-house financing. Some used car lots require you to finance outside of their establishment. This either means you must save up cash to pay for the full amount of the car you’re interested in, or you must work with a bank to get a loan. If you don’t want to do all of this independent legwork to find car financing, or if your bank won’t approve you for an auto loan, look for a buy here pay here car lot, like Auto Bank.

The buy here pay here experience is unique in many ways. At its core, it is similar to the traditional used car buyer’s experience. The most significant difference in the process is the fact that shopping, financing, and paperwork is largely streamlined. When you purchase a car at a buy here pay here dealership, the first thing that you do is apply for financing. Most of the time, buy here pay here car lots accept your application for a car loan regardless of your credit history.

After you’ve applied for financing, it usually takes little to no time to get approval from a buy here pay here dealership, providing you meet their criteria. From there, you can begin browsing their selection of used cars within your budget. This step is different from traditional car purchase. Traditionally, you would search for cars before applying for outside financing, but at buy here pay here car lots, you apply for financing first, and then shop for your vehicle.

What’s the benefit of doing it this way? This helps car buyers stay within their purchase budget. Car buyers can be tempted to buy a car outside of their budget if they like it enough. At AutoBank, we help you get a car you both enjoy and can afford.

Buy Here Pay Here

What Kind Of Cars Can You Get at a Buy Here Pay Here Dealership?

Buy here pay here cars are often more reliable than used cars you might find on Facebook Marketplace, Craigslist, or in your local newspaper. That’s because most people you meet selling their own used cars aren’t experts—they’re just regular people trying to get rid of an old car. Even if they’ve spent a lot of time in the car they’re selling, and even if they’ve kept diligent maintenance records, most won’t know the exact condition of a vehicle.

Buy here pay here car lots like Auto Bank of Kansas City have in-house mechanics who look over each car before it is put up for sale. Federal regulations prohibit used car dealers from hiding used car conditions from their potential clients. These laws, often called lemon laws, require used car salespeople to disclose any issues with the cars they are selling. Therefore, at a bare minimum, you can expect a car or truck that works as advertised. The best buy here pay here car lots sell cars that have passed inspection before sale. At AutoBank, our experts examine a car top to bottom, inside and out, before we list it in our inventory.

What Else Can I Expect From a Buy Here Pay Here Lot?

As well as the streamlined process and the in-house financing, there are plenty of reasons why buying a car from a buy here pay here dealer is a good idea.

  • Your car might come with a repair or parts warranty.
  • Your car will likely be newer than cars you can find on second-hand sales platforms.
  • You might be able to improve your credit by making on-time payments. Auto Bank will report on-time payments to major credit companies, and your creditworthiness will increase when you take out an in-house loan.
  • You often can set your own loan limits, helping you pay off your car at the speed that works for you.
  • You often spend less time paying off the car, partly because it doesn’t cost as much, and partly because of the flexibility on the loan limits.

If you’re looking for an affordable used car and haven’t been able to find one you can afford, visit Auto Bank of Kansas City. We’ve helped people from Gladstone, North Kansas City, Parkville, and Liberty, Missouri, get on the road after a long search for the right cars. Apply for financing online, or browse our selection of buy here pay here cars.