Living in or around Phoenix, you are really dependent on your car, but you've been worried about the condition that it's in lately. In fact, you're worried that it is going to overheat. And you're also concerned about your less than perfect credit history. Fortunately, a buy here pay here used car lot
might be just the answer that you are looking for.
Understanding and Describing Your Financial Situation
When it comes to finding a lender or dealer that you can work with, being realistic and honest about your financial situation can help you come to the best decision. If you have struggled with finances or are struggling to try and repair your credit scores
to a level that makes the banks and typical lenders happy, a buy here pay here car lot is probably a good solution for you.
What's The Difference?
How is this car buying experience at a BHPH lot different than one at a typical dealership? Well, buy here pay here lots generally work with people who are not in the best of financial situations. Instead of fretting over whether or not you are going to get approved for the car loan, you can be assured that these dealers will do everything possible to get you behind the wheel.
Understanding Credit Checks at Buy Here Pay Here Lots
Another large difference from a traditional car lot is the way BHPH dealers handle credit checks. When you go to standard car dealerships, they will always check your credit when you apply. However, BHPH dealers typically don't run credit checks on potential buyers, so your damaged credit won't even be an issue.
Other Ways Buy Here Pay Here is Helpful
The absence of credit checks isn't the only reason why this might be the best solution for you. On top of bypassing that aspect, these dealerships also have reliable cars to choose from. While you probably won't find a brand new car at a buy here pay here car lot in Phoenix, you will still find quality vehicles. BHPH dealers have plenty of used cars that are in great condition, and this is particularly true if they have a certified pre-owned section.
Payments That Are Easy to Make
With these kinds of bad credit auto loans
, the payment terms are simple: you pay them when you get paid. BHPH dealers will work with you and schedule your due dates around your payroll schedule. And you can often make the payments right to the dealership, which is great if it is near your home, job, or is otherwise part of your daily route.
Quick and Easy
As you can see, getting a car from a buy here pay here car lot is easier than you might think. And it's not just easy, but fast too. You can work out a deal for your car purchase quickly, and then be on your way for the rest of the day. This expedient process helps reduce the hassle and stress that typically comes with buying a car.
If you had never heard of a buy here pay here car lot before, now you know what they're all about. If you need to find one of these dealerships, or get quality special financing for a car
, let Auto Credit Express help you get it done. For years we have been working with all kinds of financial situations, ranging from no credit, poor credit, bad credit, and even after or during bankruptcy. We can get you approved and in a vehicle with one simple application!