In-House Car Financing

An in-house car dealer typically finances anyone with good, bad, or no credit.

What is In-House Car Financing?

If you've been turned down for a subprime auto loan, you may be wondering where to turn next. When you need a car fast, a great place to look is a used car dealership with in-house financing. Here at Auto Credit Express, we've helped over a million people dealing with bad credit find the financing they need. We work with a nationwide network of dealers, including in-house financing dealerships, and want to connect you to one in your area today!

What are In-House Financing Car Dealers?

An in-house financing dealership is a buy and pay here dealer, sometimes called a tote the note dealership. These dealerships don't rely on outside lenders to approve consumers for financing. Instead, they finance the cars themselves. Without the need to find lenders that work with challenging credit situations, dealers who finance in house typically don't check your credit. This can be a big plus for buyers trying to get a bad credit car loan.

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Advantages of In-house Car Financing

When you visit an in-house car finance dealership, you’ll notice that the financing process is different compared to taking out a loan with a subprime lender. Many car buyers choose to buy their next vehicle from an in-house dealer because of two big benefits these dealers offer:

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Disadvantages of In-house Financing

In-house financing can be great for getting the car you need right now. But if you’re looking for the most affordable vehicle, or for a way to improve your credit through auto financing, an in-house financing dealer may not be the way to go.

There are several drawbacks to going through in-house financing for your next vehicle. Some of them that often concern consumers are:

BBB Rating
as of 04/18/2024

Vehicles at In-house Financing Dealerships

The biggest advantage of going to an in-house financing car lot. is the availability of vehicles and credit. Without third-party lenders in the picture, you purchase a car and take out a loan with the car dealer. This allows you to finance the vehicle you need without your credit getting in the way.

Popular In-House Financing Cities