If you are in the market for a used car, you’ve probably come across the term “buy here, pay here” if you’ve done even a quick search for used car dealerships, particularly if you were trying to find the best places to get a car if you have less than perfect credit.
We realize that not everyone who is in the market for a car has the type of credit required by traditional car dealerships. So depending on your situation, traditional dealerships might not be an option. But don’t worry, they aren’t the only place you can turn to in order to get a reliable car that will get you from point A to point B. You have other options, here are a few reasons to give “buy here, pay here” car dealerships a try!
What is a “buy here, pay here” car dealership?
“Buy here, pay here” dealerships provide their own in-house financing. Which means that you work with the dealership directly to finance your car, rather than getting a bank or other private loan like you would do at a traditional car dealership. And when you make a payment on your vehicle, you make it to the dealership or their financing service.
If financing is taken care of right at the dealership, they can offer an easier credit approval for people who don’t qualify for a traditional loans and financing options. Most “buy here, pay here” dealerships only require that you have a small down payment and a steady income to get approved for financing.
This is the case for us here at Car City.
Why choose Car City for your “buy here, pay here,” dealership?
We only require $39 down and a recent pay stub to get started with the approval process. Simply fill out our brief, online application and then start browsing our large selection of new, reliable cars, trucks, vans, and SUVs. We have one of the largest selections of used cars in Michigan and Indiana.
Our financing is handled by our in-house service, Orbit Leasing. So if you do end up buying a car from us, you will be making payments right to them; either online, over the phone or in person. If you can afford more than the minimum $39 down payment that’s great. The more money you put down up front, the lower your monthly payment can be. We’ll work with you to put together a payment schedule that will work best or you. We aim to make buying a car simple by helping you with car financing, regardless of your credit history or financial situation!
So if you have less than perfect credit and think that you will have troubling getting a car from a traditional dealership and getting financing from a bank or other 3rd party; a “buy here, pay here” dealership might be a great option for you. And If you are looking for a “buy here, pay here” dealership in West Michigan to work with, keep Car City in mind.
Browse our inventory and get approved today!