When most people think of San Francisco, they think of the crowded and hilly city streets and the trolleys zipping up and down those streets. As a resident of the city, you know that you can't always depend on those trolleys or on other forms of public transportation. Like many large cities, San Francisco's public transportation system only operates during certain times of the day, and you can't base your schedule around the city's schedule. Finding a new car in the city is easy, but many people find that the process is even easier when they opt for a San Francisco based dealer that offers in-house auto financing
What is In-House Auto Financing?
In-house auto financing refers to dealerships that offer their own financing. Let's say that you decide to buy a new car from a private seller in your area or a traditional dealership. You'll need to apply for a loan through your bank or credit union, fill out multiple documents, wait for a response and probably even meet with a loan officer.
That officer might take one look at your credit history and tell you not to even bother applying for a loan. Dealerships that offer in-house financing
generally don't look at your credit score. Rather, these dealers focus on other things, including where you live, how long you've lived there and how much money you make. Instead of sending your payments off to the bank, you make your payments at the car lot, which could possibly be quite convenient.
Where Do The Cars Come From?
In-house financing companies sometimes go by the name of tote the note or buy here pay here lots. These lots get their vehicles from a variety of different sources. Some lots purchase cars wholesale from car rental agencies and companies that rent cars for different reasons, and others attend auctions and buy cars that are being auctioned off. These buy here pay here lots
also accept cars from previous customers. These customers trade in their older cars towards the cost of buying a new car from the lot. You'll also find that tote the note lots and similar lots buy cars from people in your neighborhood, accept cars from insurance companies and purchase cars through deals they have in place with leasing companies and automobile manufacturers. This lets the dealership offer dozens or even hundreds of different cars, all at a quality level.
What Type of Cars are Available?
BHPH lots literally have almost every type of car you can imagine because, as previously stated, they are car dealerships specifically for people with bad credit
that get their inventory from a variety of sources. Do you want something a little sporty that will make your neighbors and friends jealous, or do you prefer something sturdy that will keep your kids safe? No matter what type of car you have in mind, you can find it at one of these lots. You can find a car that will turn heads, last for years and get you to work or anywhere else you want to go.
Can I Really Get Any Car?
You really can get almost any car you want at a tote the note car lot
. These dealers understand that each car shopper who walks through the doors has something different in mind. You might want something that you can pass down to your teenager without worrying about his or her safety, while your next door neighbor might want something rugged enough for weekend trips to the mountains. These cars lots will work with your specific needs, show you the available models currently on the lot and help you understand the differences between each model before you make your final decision.
Find a Car You Can Afford
The hardest part of shopping for a new car is finding a car that you can afford. As much as you would love a brand new sports car, you might find that this kind of car doesn't fit into your budget. Other dealers let you pick out a car before checking out your application, but in-house financing dealers found through Auto Credit Express will look at your application first.
This helps the dealer determine how much you can borrow with your subprime auto loan
, so that they can match you with the right car. Finding out how much you can afford helps you see which of those great cars on the lot will work with your budget. This helps you find a car that comes with affordable weekly, biweekly or monthly payments, ensuring that you always have enough money every month for your other bills and expenses. Ideally, you will be able to make your car payments, pay your bills and still have some money left over. So, if you are ready, fill out an application here at Auto Credit Express, where you can get the car you need faster than ever before.