What Is A Buy Here Pay Here Dealership?

When you choose a buy here pay here such as Greg Coats Cars & Trucks you won’t have to worry about getting denied the financing you deserve to get the car you want. Our flexible auto financing provides opportunities for all individuals looking to buy a car that’s perfect for their lifestyle and budget, even if you have bad credit. We also offer in-house financing, also known as “bad credit car loans”, and traditional auto financing too. 

If you’ve been denied by dealerships and lenders in the past, then you’ve come to the right place. At Greg Coats Cars & Trucks we work with people who have bad credit or no credit history at all. We decide who gets financing and will work with you to get you behind your new car today.

 

Questions? Call us.
(502) 968-2201

Learn More About Buy Here Pay Here Dealerships

What Is Buy Here Pay Here?

A buy here pay here dealership is exactly what it sounds like. You can find the perfect vehicle for you, get auto financing that fits your budget, and purchase your vehicle all at one dealership. When you have one trusted source handling every step of your car buying process, you can be sure that your experience will be more efficient and enjoyable. Greg Coats Cars & Trucks offers an extensive selection of used cars, trucks, and SUVs with financing options for every budget range, including those with bad credit scores.

When you choose a buy here pay here such as Greg Coats Cars & Trucks, you won’t be declined due to your bad credit score or not having a credit history. We approve more and offer flexible financing.

How Does "Buy Here Pay Here" Work?

When you choose to purchase a vehicle from a buy here pay here dealership such as Greg Coats Cars & Trucks, you’ll receive flexible in-house financing that works with your budget. We make the decision on who receives auto financing so you don’t have to worry about a lender rejecting your application due to a low credit score. After you have been approved for a car loan, you’ll be able to choose from our extensive inventory of used cars, trucks, and SUVs of many makes and models. You’ll know exactly what you can afford and what your monthly payments will be before you make a decision. After you select your financing and choose your vehicle, you’ll make your monthly payments directly to the dealership. 

When you choose a buy here pay here dealership, we work with you to secure the auto financing you need to get behind the wheel of the perfect vehicle for you.

What is In-House Financing?

At Greg Coats Cars & Trucks we believe that our customers should have the ability to secure the financing they need to get behind the wheel of a vehicle that accommodates their lifestyle. With in-house financing we are able to offer flexible financing for a variety of budgets and credit histories. We understand that the unexpected can occur and there could be many reasons for your low credit score or lack of a credit history. That is why we don’t turn drivers away and instead work with them to create a car loan that works for them. 

As an added bonus, you won’t need a down payment with our in-housing financing!

Busting 3 Common Buy Here Pay Here Myths

Does Buy Here Pay Here Hurt Your Credit?

Some have worried that purchasing a vehicle through a buy here pay here dealership would hurt their credit score, but it's actually the opposite. When you get in-house financing through a buy here pay here dealership, you’ll be able to start the process of building your credit if you have no credit history at all or rebuilding your credit if you have a lowered score. If you choose a reputable BHPH dealership such as Greg Coats Cars & Trucks, they’ll report your monthly payments to the credit bureaus so you can get the credit growth you deserve. On time and regular payments are great ways to quickly boost your score!

Does Buy Here Pay Here Require Big Down Payments?

While you may think that a large down payment is needed to get the flexible auto financing buy here pay here dealerships offer, you don’t. A major benefit of purchasing a vehicle from a BHPH dealership and opting for their in-house financing is that you most likely won’t be required to pay a large down payment. Most BHPH dealerships will offer their customers low down payments or no down payments at all due to the ability to handle their own financing. 

Is Buy Here Pay Here A Bad Idea?

You may have heard negative comments about buy here pay here dealerships and how their offers are too good to be true. Simply put, the rumors aren’t true. When you choose a reputable BHPH dealership such as Greg Coats Cars & Trucks, you’ll get the quality customer service you deserve with flexible auto financing that meets your needs. BHPH dealerships give drivers a second chance to secure the funds they need to get behind the wheel of a vehicle that is right for them. We offer in-house financing so we can work with each of our customers to secure the car loan that is right for them. You’ll also benefit from additional perks such as car warranties, free oil changes, and more. When other dealerships say no, we say yes.

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