In-House Car Financing

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In-House Financing - Car Dealerships that Finance

If you've been searching for a car dealership in your area that does their own auto financing, we can help you find the one that best suits your needs. Auto Credit Express has helped over a million people suffering from bad credit find the dealerships that have been willing to work with them to get affordable auto loans with low down payments. We have a network of in-house financing dealers that can likely get you approved and often driving away in your new or used car the same day.

What is an In-House Financing Dealership?

When the economy took a nosedive a decade ago, millions of people's credit scores were hit hard, leaving them with poor scores. Most lenders wouldn't take these customers seriously because they saw them as high risk borrowers. And that left these potential buyers with few options. This is when in-house dealer financing became so popular. These car dealerships for people with bad credit often guaranteed approval to anyone as long as they had the income to make the payments.

With proof of income, a residence history in the area, and a down small down payment nearly anyone can finance a used car at a local in-house financing car lot. The process of connecting to these dealers for a car loans is simple and quick. Some dealers don't even require a credit check. All you need to do is complete the auto loan request form and Auto Credit Express will connect you with the nearby car lot. Once you have met with their financial specialists to figure out your budget, they will help you find an affordable car that fits your needs.


There are many reasons to use in house financing. Millions of people have chosen to go with this type of financing, and have experienced the following benefits:

Realistic Car Shopping
When shopping at standard dealerships that focus on traditional auto lending and leasing the process of buying a car is very different. Usually you pick out the car that catches your eye first, and then figure out the financing. That is not the case at in-house dealerships. First you meet with the finance manager to figure out your budget, what you can afford monthly and overall. Then you walk the lot to find a vehicle that you can afford. This saves your valuable time since your only looking at cars, trucks, or SUVs you can drive away the same day.

No Credit Check
Bad credit or no credit will not stop you from obtaining a car loan from your local in-house financing dealership. In fact, some dealerships don't even request a credit check. All they need to approve you is the proof that you will be able to afford the weekly or bi-weekly car payments, and that you have a steady residence.

Dealership Only Programs
Many dealers, even buy here pay here auto dealerships, have started offering special promotions and rebates to those customers who finance through their dealerships. Choosing to go through a third party lender, your bank, or your credit union will make you ineligible for these offers. So, be sure to carefully weigh your options.

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Vehicle Quality and Selection

The vehicles that are on these lots are generally used cars. This doesn't mean that they are not dependable or reliable, with rust spots and smelly interiors. Instead, the vehicles are three to eight years old with lower miles and a dependable engine. Some offer new vehicles as well.

Most of the lots that Auto Credit Express works with offer certified pre-owned vehicles, which means they have been inspected by a mechanic before being put up for sale. Most of the cars, trucks, SUVs, and minivans will not have a manufacturer's warranty any more, but often an additional warranty can be purchased.


Although In-House finance can be easy to get, there are downsides to it as well. The biggest disadvantages customers have commented on are:

  • Higher interest rates
  • Doesn't always help rebuild credit scores
  • Some dealers make you pay at the dealership

Because most customers looking for this type of financing solution have less than perfect credit, the auto loans tend to come with slightly higher interest rates than normal car loans. Bad credit customers are looked at as high risk borrowers, because there is more of a chance they will default on the loan.

Some auto loans obtained in house will not help you to rebuild or re-establish your credit score because some car lots do not report to the three major credit bureaus:

  • TransUnion®
  • Equifax®
  • Experian®

Dealerships that don't perform credit checks before granting you a car loan are not obligated to work with the credit agencies, so there is a chance that they will not report your on-time payments. If you do make your payments on time, they will provide you with a letter stating you did so once your loan is paid off in full. But generally, once you buy from one of these dealers you will be doing so again for your next vehicle, unless you have used other avenues to repair your credit, such as a mortgage or credit cards.

Finally, since the loan is given to you from the dealership itself they may require that you make your payment at the dealership. Whether it is monthly, bi-weekly, or weekly, this may pose a problem or inconvenience if you don't live or work by the dealership.

In-House Financing Video Resources

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