Do you have bad credit or no credit? Our buy here pay here no credit model enables people like you to get a car with our in-house auto financing options. Getting to and from work, transporting children for activities and appointments, become a lot more difficult without a car.
It’s also a fact of life that most people rely on their credit to obtain loans in order to purchase cars. When you have low credit, bad credit, or no credit at all (maybe you’re a student with no credit history yet), the process becomes a lot more difficult. When a bank won’t provide a loan to finance a car and you don’t have the cash to pay upfront, what can you do?
This is where buy here pay here no credit offers can save the day.
The Regular Credit Process
Most of the time, auto dealers offering to finance don’t actually provide their own financing. Instead, it’s through banks they’re affiliated with. When a customer wants to make a purchase, the dealer runs a credit check. If you have bad credit, even if it’s due to past issues (especially if you’ve had a reposition) or if you don’t yet have a credit history, many banks are going to be reluctant to make a loan. They see people with bad credit and no credit as a risky bet.
Buy Here Pay Here we don’t just do credit checks
For many people who have difficulty getting approved for a newer car, buy here pay here auto dealers may offer a welcome solution. We don’t just look at your credit history. We look at you and your situation today
We understand that people with no credit need cars now, but also need time and a fair chance to establish a good credit history. We also understand that past troubles and mistakes don’t need to haunt people forever and prevent them from owning a newer car.
A buy here pay here no credit dealer will look at things such as income, employment status, and proof of residency to help determine if they can get you in a car.
Some things can help you improve your chances of getting a no credit loan. The more you can put as a down payment, the better. The shorter the period of the loan, the better. A cosigner such as a close friend or a relative with good credit also makes your application more attractive to these lenders, especially if you are listed as a secondary borrower, not the primary.
How Buy Here Pay Here No Credit Works
Whether the term you’re hearing is Buy Here Pay Here No Credit or We Finance or On-the-Lot Financing, it all means the same thing.
Instead of going through an outside institution like a bank or a credit union, the financing comes directly through the dealer, and the dealer handles everything on-site. This also allows the dealer to provide flexibility with down payments, customized payment schedules, and many other options that a typical car dealer cannot or will not do to get you approved.
Payments go directly to the dealership, so no third parties are involved to add complexity or additional costs. Our dealership offers several different payment options such as traditional payments, bi-monthly payments, automatic deductions, online, phone in or call-in payments, in-house payments. Our goal is to make working with Car Credit Palmyra an easy and smooth transaction
Our Buy Here Pay Here No Credit Service
One final thing to know is that not all dealers advertising these services actually provide them just advertising designed to get you to call or walk-in.The reality is that they do run credit checks and then try to find a third-party lender willing to make an offer. Even if you get approved, this can lead to unnecessary delays.
Our Palmyra-based dealership doesn’t pull that on you. We specialize in true buy here pay here financing for our used cars. When you visit us, we’ll sit down with you and assess your transportation and financing needs, and then we’ll come up with a plan that works best for you.
FAST APPROVAL IS OUR GOAL. You could drive away with a newer car and an affordable financing plan that fits your budget. Best of all, making timely payments you’ll be on your way to establishing good. Come see us today!
Where to Find Us
Phone: (717) 454-2304
701 E. Main Street, Palmyra, PA 17078
Mon – Fri: 9AM-7PM
Saturday: 9AM-3PM
Sunday: Closed