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Explore Your Car Buying Options with Alternative Financing at a Buy Here Pay Here Car Lot

A low credit score can feel like a serious road block, especially when it comes to financing a car. It’s important to understand that your credit score can greatly impact your ability to obtain a loan. Not only do you want a reasonable interest rate on your car loan, but it can also be difficult to find a bank or lender that will allow you to finance through them. Late payments, bankruptcy, and high credit card usage can all negatively affect your credit score.

However, there are still options out there for you! Car financing for bad credit allows you to get a used car loan without your credit score deterring you. Bad credit shouldn’t keep you from financing a vehicle - that’s where the buy here pay here method comes in. In-house financing creates opportunities for those with bad credit and can even improve your score when you make on-time payments.

In-House Car Financing for Bad Credit

Some car dealerships that specifically offer in-house financing for convenience and for those with a challenged credit history. These dealerships are sometimes referred to as buy here pay here dealerships, meaning you buy the car and finance it, all in one place.

Bad credit auto financing doesn’t focus on your credit score. Instead, your income and ability to make payments are taken into consideration. You’ll find competitive rates with in-house financing, plus, it’s much easier to make your payments and receive flexibility from buy here pay here dealerships.

It’s important you find a trustworthy dealership for bad credit car financing. If your credit score isn’t as high as you need it to be, you’re likely in a tight financial position, and the last thing you want is to be taken advantage of.

Make sure you review testimonials from buy here pay here dealership customers before you decide to start the car-buying process. This will help steer you in the right direction and ensure you’re getting the best deal possible.

people meeting and talking at a table in a bright room

What Kind of Vehicles Can You Get With Bad Credit Car Finance?

Even with bad credit, auto financing is easy and can get you a reliable vehicle you love. Car dealerships that include bad credit financing offer a wide range of vehicles. Whether you’re searching for a reliable first car or a sturdy SUV for your family, you can find all of this and more in your dealership's inventory.

You don’t have to sacrifice quality just because of a bad credit score. At dealerships that specialize in bad credit car financing, you’ll find popular car brands like Ford, Chevrolet, Honda, Toyota, Hyundai, and more. A reputable dealership will work with you to find the right vehicle within your budget. Consider exploring options at a dealership that offer vehicles under $10,000 and other deals!

How Bad Credit Car Financing Help Your Credit Score

An added bonus to car financing for bad credit is that your credit score will likely increase after financing. This is only possible with on-time payments, however. In-house financing gives chances to those who don’t have great approval odds at a traditional dealership or bank. Consistent payments make a positive impact on your credit score, plus, you won’t end up with a car you can’t afford.

Over time, you’ll notice your credit score increase just from remaining on top of your car payments. This can open the door to more financing opportunities - like buying a house or qualifying for a nicer apartment.

Get Pre-Approved with Bad Credit Car Finances

Car dealerships with in-house financing take out the lender middleman. Not only can you get pre-approved in just minutes, but you can put more trust in the buy here pay here method than traditional banking.

The pre-approval process gives an accurate estimate of your approval odds as well as estimated monthly payments. This will likely include some key information, including:

  • Your current financial information
  • Trade-in value of your current vehicle (if applicable)
  • Employment information

Bad credit car financing can feel intimidating, but when you find a place that offers high acceptance rates alongside their financing options, you’re more likely to find a car you can afford.

Learn More About Bad Credit Car Financing at a Dealership Near You

If you’re ready to explore bad credit auto financing, find a dealership near you that offers in-house financing and buy here pay here services. These dealerships are experts in helping you finance a car, even in the stickiest of situations! Visit in person or explore your online pre-approval options from your local dealership.