Do you need credit? It’s nothing to be ashamed of—tons of responsible folks have credit issues or no credit at all. It doesn’t mean you’re bad with money and it definitely doesn’t mean you don’t need a car to get around. That’s why we are here at carcreditpalmyra —to serve folks like you in Palmyra, PA, and other nearby areas (Lebanon, Elizabethtown, Hershey, Middletown). Our buy here pay here model means that you could still be approved for a car, even with poor credit. We do our best to make buying a car a hassle-free experience.
At our Buy Here Pay dealership, we don’t base our in-house financing approvals on metrics like credit scores or bad credit. Instead, we take more immediate factors into account, such as income. We look at you and your ability to pay not what has happened in the past. All you need is your current pay stubs to prove your monthly income and we could secure your financing on a newer car. We base our approvals on your ability to pay according to your budget, not just your credit score.
Buy Here, Pay Here dealerships like us understand that a wide variety of factors go into a credit score, for instance, existing loans and payments. These factors can impact your rating score. We don’t judge folks like you. We know bad things happen to good people. And we know there is a certain freedom that comes with owning your own car. Stop by our dealership today.
In-house financing dealerships like us play a significant role in securing vehicles for low-credit and no-credit individuals. We do not rely on outside lenders or even outside banks. Instead, we judge you by what you bring us when you visit us in person at our Buy Here Pay Here dealership. Your past credit history can be complicated. Many time you may have very little control over your past credit history. Mistakes may have been made, or you could be one of the countless folks who have fallen on a hard time recently and needs a break. We get it. That’s why we’re here to help get you with our in-house financing.
There’s simply no way to know in advance what your in-house financing deal will look like before we take a look at your current situation and you take a look at our selection of vehicles. Once you find a car that looks right for your needs, we can proceed to check a few key factors including your income and the interest rate you may pay. You might have heard that Buy Here Pay Here operations offer higher interest rates that can cost you money over time. That’s often the case, but the key is how we spread your payments out over the course of time. Our financing deals allow even individuals with low or irregular incomes to be able to pay off their cars over time and have reliable transportation in the intervening time.
Waiting to build up a good credit score before purchasing a vehicle or pursuing a loan from a bank or other organization can take months or years, and we all know that most folks don’t have that kind of time to wait. The key to our Buy Here, Pay Here model is that we allow clients like you, to get a car as soon as possible. This allows you greater freedom to get to work, search for jobs, and improve your financial situation. With that newfound ability, you can being living your life and moving forward.
Most car dealers require a large down payment. Our low money down options are a fraction of other Buy-Here-Pay-Here dealers. This helps you get into a car quicker and keep more money in your pocket.
We believe that access to affordable, reliable transportation is something everyone should have, regardless of their financial history or life situation. Credit issues like debt and a lack of a financial safety net are often beyond your control. We get it! That’s why our Buy Here, Pay Here program is designed to help folks like you with little or no credit. Instead of banking on your financial reputation, get a vehicle quickly and efficiently with our in-house financing system. Call us now or fill the online form and our specialist will get back to you.
Where to Find Us
Phone: (717) 454-2304
701 E. Main Street, Palmyra, PA 17078
Mon – Fri: 9AM-7PM
Saturday: 9AM-3PM
Sunday: Closed