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Auto Bank’s Buy Here Pay Here Inventory Gives You Affordable Choices for Your First Purchase

First-time car buyers with low or no credit have historically had a difficult time securing financing and buying used vehicles, whether they tried it at a used car lot or from a private third party.

At Auto Bank, we believe that’s incredibly unfair; everyone deserves the chance to own a reliable vehicle to get to work, school, and leisure activities with ease. After all, it’s hard to hold a job or attend school regularly if you can’t get there!

That’s why our used cars for sale in Kansas City are affordably priced and our car lot policies are lenient and generous, including for first-time buyers. Keep reading to learn how to make the most of our inventory and take advantage of our in-house financing options right away.

First-Time Car Buyers Can Get In-House Financing for Used Cars in Our Inventory

Conveniently for first-time car buyers, Auto Bank offers all services under one roof, including financing, regardless of credit score. Unlike traditional dealerships whose finance partners are major banks or credit unions that care deeply about what TransUnion, Experian, and Equifax have to say about your situation, Auto Bank only cares about your ability to repay your loan now.

We don’t run credit checks on our customers, and instead ask that you provide a copy of your most recent pay stubs to prove your income. This information, along with a government-issued photo ID and proof of your address, such as a utility bill, is plenty for us to determine whether we’ll approve you for a loan. We approve anyone who can demonstrate their ability to repay us based on their income, and if we don’t approve you, you’re eligible for 10k!

In short, our policies make it easy to buy a used car for sale in Kansas City, regardless of past debts or missed payments. These policies are especially helpful for first-time car buyers who may not have had a chance to build their credit.

woman who just purchased a car

Build or Repair Your Youthful Credit Score with Our Buy Here Pay Here Inventory

If you’ve never had a car loan or credit card in the past, it’s possible that you don’t have a credit history. Or, if past indiscretions have dropped your score below a desirable level, you may not be able to qualify for loans in the more traditional - and outdated - ways.

At Auto Bank, anyone can shop our buy here pay here inventory and get in-house financing with easy-to-understand payment plans, regardless of credit. But best of all, our customers who finance used cars with us have the chance to improve their credit scores and build credit, simply by making on-time payments.

We report your payments to the major credit bureaus. If you’re reliable and on-time, you can watch your score increase over several months’ time. Eventually, your score may be high enough to qualify for financing on other important purchases in your life, or to get you into a nicer, larger apartment!

How to Browse Our Selection of Used Cars for Sale in Kansas City

If you’re a first-time buyer looking to purchase a used car, follow these steps:

  1. From the Auto Bank home page, click “Financing” in our top menu bar. Then, click “Online Credit Approval.” (Or simply click the embedded link in this blog.)
  2. Fill out our credit approval form.
  3. Browse our used car inventory on our website by clicking “Inventory” in our top menu bar. You can filter by make, model, mileage, year, body style, and more.
  4. If you find a few vehicles you like, visit Auto Bank at 2000 E. Truman Rd. or 6901 E. Front St. in Kansas City. Bring a government-issued photo ID, copies of your most recent pay stubs, and proof of address with you.
  5. Take a test drive of cars that fit your budget after talking to our financing team.
  6. Learn more about your car loan terms, sign paperwork, and drive away in your first used car!

More Resources for First-Time Car Buyers

If you’re looking to purchase your first used car and need more information or guidance, Auto Bank can help! Visit our dealership in person today or review our online resources below.

  • Find out how much car payment you can afford using our auto loan calculator.
  • Get answers to your most-pressing questions about financing in our FAQ.
  • Find our location hours:
    • Our 2000 E. Truman Rd. location is open Monday through Friday, 9 a.m. to 6 p.m., and on Saturday from 9 a.m. to 5 p.m.
    • Our 6901 E. Front St. location is open Monday through Friday, 9 a.m. to 7 p.m., and Saturday from 9 a.m. to 5 p.m.
  • Call our E. Front St. location at (816) 281-7210 or our Truman Rd. location at (816) 793-6360.
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