Tips for Financing a New-to-You Vehicle in North Carolina

Used Vehicle Financing At Buy Here Pay Here Dealerships

Consumers are bombarded every day with commercials of excited shoppers experiencing the thrill of purchasing a brand-new car. Those who sensibly buy pre-owned cars, trucks, and SUVs are often left to feel that they’re settling for something less than the best. However, we here at AutoMax believe that used car buyers should be treated with the same fanfare as those purchasing new vehicles. After all, even if the car is pre-owned, it is new to you! The quality of our vehicles, combined with our customizable financing options, you’ll get years of service out of your investment.

As a buy here pay here dealership, we offer in-house financing options to suit every budget and taste. Below are some helpful tips to get the most out of your buying experience.

Secure Used Car Financing

The first step in purchasing your gently used vehicle is to get a car loan to help your money stretch further. Unlike the typical no-credit-check car lots, you don’t have to worry about getting a car that runs poorly and will cost an arm and a leg in repairs and maintenance. We offer quality cars at our buy here pay here lot.

While we do run credit checks during our financing process, rest assured that we don’t focus on credit score alone. We do this not to deny those with imperfect credit, but to assess their finances to see how much they can afford to spend each month. We offer one hundred percent financing on our vehicles and are experts at getting every customer into a ride that suits his or her needs.

To get started with us, you’ll fill out a short application, either in-store or online, to help determine your eligibility. We’ll need a few simple things like your name, address and living situation, social security number, bankruptcy information (if any), current job, and any other sources of income. One of our sales representatives will let you know if you’re approved for our in-house financing. We currently approve the majority of our applicants.

Finding A Vehicle To Finance

Once you’re approved, the salesperson will be able to give you concrete details on which cars are within your budget range. They’ll further chat with you to find out what type of car will suit your tastes and lifestyle needs. From there, they’ll show you which cars meet both your finances and your preferences so you can make the best choice. This is a large shift from the way things are done at traditional dealerships, which show you the vehicles first and allow you to become attached to one, and then hit you with the fact that you cannot afford that car.

At AutoMax, you can shop with confidence, knowing that you’re already approved for the cars you’re considering. You can also shop knowing that we don’t sell any lemons here. We review the vehicle history report of the automobile with the consumer and inform them of any manufacturer recalls that have to be brought to a dealership for free repairs. We also advise you to register your car’s information with the manufacturer so that you’ll be notified of any future recalls that might affect you.

Keeping Up With Your Payments

Another benefit of purchasing from a buy here pay here dealership is credit repair. Besides getting you behind the wheel of a quality vehicle, we also want you to be able to rebuild your credit to expand future financing options. If you’re considering purchasing a new vehicle in the future or buying a home, you’ll need a solid credit profile. AutoMax makes it easy to do this.

We allow you to make your payments in the most convenient way for you, which helps avoid late payments and defaults. The most hassle-free option is to set up a direct debit card charge or an automatic ACH withdrawal from your bank account. These options allow you to go about your daily life without having to remember the date of payment or worry about mailed-in checks not arriving on time. As long as you maintain your bank account above a certain balance, this process will continue smoothly. We recommend scheduling these payments to be processed after each pay date to avoid any costly overdraft fees.

For those who prefer more control over their payments, we also offer more traditional methods of payment, such as in-store, call-in, and mail-in payments. We also have a secure and convenient online payment portal that you can use to make your payments. As you make your on-time payments consistently, we report this to the major credit bureaus and over time, you will see an improvement in your credit score.

Get The Best Vehicle At A Buy Here Pay Here Dealership

As you can see, we have gone above and beyond to make purchasing your new-to-you vehicle a rewarding milestone in your life. To get started on this journey, visit us at one of our two convenient locations: 519 North Garnett St. in Henderson, NC, and 512 US Highway 1 in Youngsville, NC. You can also choose to start the process by filling out our simple online credit application, and a sales representative will contact you with further information. We hope to add your name to our long list of satisfied customers.