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Everything You Need to Know Before a Visit to Our Used Car Dealership Near You

Are you curious about the buy here pay here process and live in the Kansas City area? Do you need a car, but can’t seem to find a traditional dealership to approve you for a loan? We’re here to answer your questions and steer you in the right car-buying direction. Although there are plenty of used car lots in the Kansas City area, none quite compare to Auto Bank. We have been serving the community for over three decades with a robust inventory of used vehicles. In this blog, we’ll cover everything you need to know before stepping into our buy here pay here used car dealership near youwith two convenient locations in Kansas City. Start your car-buying experience well-prepared for an exciting and personalized car-buying adventure!

What Does Buy Here Pay Here Mean?

The buy here pay here method is financing that allows customers to buy a car and make payments directly to a dealership instead of a bank or lender. Unlike traditional financing, buy here pay here used car lots offer in-house financing, so individuals with less-than-perfect credit have the opportunity to buy a car without a credit check or having to pay in full upfront. Auto Bank of Kansas City sells reliable used cars,regardless of your credit standing. With us, it's not just about buying a reliable ride - it’s about making your life better.

happy woman getting keys to new car

How to Get a Loan at a Used Car Dealership Near You

The application process at a buy here pay here used car lot is fast and easy. The approval process of a buy here pay here loan has fewer steps than traditional dealerships, with a simple pre-approval application and a short list of required documents. You’ll need to bring:

  • Recent pay stub.
  • Driver’s license or other state-issued ID.
  • A utility bill with your name and physical address on it.

Approval for car financing is easy through Auto Bank of Kansas City. With our online pre-approval form, you can give us all of your relevant details quickly and we’ll be able to get back to you with an approval decision promptly.

Can I Trade-In a Vehicle at a Buy Here Pay Here Used Car Dealership in Kansas City?

When you trade-in a vehicle at a used car lot, our team assesses the value of your current vehicle and lets you use that value toward the purchase of a newer car as part of your down payment. Lots of factors affect how much your current vehicle’s trade-in value is, including mileage on the odometer, condition, vehicle history, trim level, engine size, and more. The trade-in process at our used car dealership near you offers unique advantages.Whether you're curious about the impact of your existing vehicle's condition on its trade-in value or want to know how the trade-in process works alongside our no-credit financing, we can address any questions and concerns related to the process.

What a Used Car Dealership Near You Can Do For Your Credit Score

While you might have a low credit score right now, making regular, on-time payments on your buy here pay here auto loan will have a positive impact on your credit history. On-time payments demonstrate financial responsibility and reliability, which can gradually increase your credit score over time. Our used car dealership near you reports your car loan payment history to the major credit reporting bureaus. You can pay online, over the phone, by mail, by autopay, and in person at our two Auto Bank locations in Kansas City: 2000 East Truman Road or 6901 East Front Street.

Are You Ready to Visit Our Used Car Dealership in Kansas City?

As you begin your buy here pay here journey, you should feel well prepared to get behind the wheel of a used car of your own. With Auto Bank of Kansas City on your side, you can make a purchase with confidence. Auto Bank Kansas City is the premier buy here pay here dealership in the area, proudly serving the people of Kansas City, Independence, Lee’s Summit, and nearby cities. If you need a car and you want to work with a friendly team able to get you the best used car for the lowest monthly payment, it’s time to come to our used car dealership in Kansas City!