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Why Buy Here Pay Here?
Why should I go to a Buy Here Pay Here car dealership?
Deciding which car dealership to go through can take time and effort, especially if you have less than perfect credit. Buy Here Pay Here used car dealerships offer a huge relief if you are in this situation. When the banks are turning you away and you have lost all hope, BHPH comes into play: approval is built around your ability and stability today, not your credit score. With just a few items such as proof of address and two of your most recent pay stubs, you can be outside choosing your vehicle.
Let’s check out the benefits BHPH can offer you.
Buy Here Pay Here down payments vary by vehicle and situation. Car Credit Nation keeps them on the lower end of the typical range – your trade-in counts toward it, and your down payment covers your sales tax and registration fees, so you never need more money to get your plates.
Buy Here Pay Here dealerships typically have very quick processing times. Most customers get approved the same day, and your approval is locked in – no stress of leaving with the car and having to give it back because outside financing fell through.
Buy Here Pay Here dealerships pay close attention to your budget and help you get into a vehicle and payment you can afford. Car Credit Nation provides multiple payment options tailored to your needs.
Most Buy Here Pay Here dealerships schedule payments weekly or monthly. Car Credit Nation can align your payments with your specific pay schedule to make them easier to manage.
Some Buy Here Pay Here dealerships charge steep interest rates. Car Credit Nation offers rates starting as low as 4.9% APR for well-qualified buyers, with every term explained before you sign.
Financing through Car Credit Finance, our affiliated family-owned finance company, means your payment history is reported to all 3 major credit bureaus – so on-time payments build a documented record that works for you.
Financing through Car Credit Finance makes trading up easier than at a typical dealership – many customers qualify to trade and upgrade with a reasonable down payment as soon as two years in, even before payoff.
Family-owned and financing drivers since 1997 – more than 15,000 customers – with an A+ rating from the Better Business Bureau. Read our Google reviews and see for yourself.
Buying a car can be stressful without the right support system. Car Credit Nation treats customers like family and helps guide them through each step of the process.
Some lenders charge hundreds or thousands in extra hidden fees for subprime lending. Car Credit Nation does not charge hidden fees. The only money due at sale is your down payment – and it takes care of your sales tax and registration fees, with no surprise add-ons later.
Car Credit Nation offers protection plans of up to 3 years with mechanical breakdown coverage, lock-out services, roadside assistance, and rental car reimbursement.
With just a few items such as proof of address and two recent pay stubs, many customers move quickly from approval to choosing a vehicle. See the full list on our FAQ page.
More Benefits of Buy Here Pay Here Financing
Down Payments
Coming up with a large sum of money can be challenging, and at many lots the down payment is the wall between you and the vehicle. Car Credit Nation keeps down payments on the lower end of the typical Buy Here Pay Here range, making it much easier to get into a vehicle in a tight financial situation – and because we set the number in-house, we can tell you your exact figure for any specific vehicle before you visit. Your trade-in, running or not, applies directly toward it. And your down payment covers your sales tax and registration fees – so there is never a second round of money to come up with before your license plates.
Same Day Approval
Sitting in a dealership for hours is not ideal. Buy Here Pay Here used car dealerships typically have very quick processing times. Most customers get approved the same day and the approval is locked in – so there is no stress of leaving with the car and possibly having to give it back because the financing did not go through.
Flexible Terms
Buy Here Pay Here dealerships pay close attention to your budget and will help you get into a vehicle and payment you can afford. They are here to help you succeed with your auto loan. Car Credit Nation, a Buy Here Pay Here in Winchester, VA, will provide you with multiple payment options tailored to your needs.
Payment Schedule
Figuring out when you need to pay each of your monthly bills can be stressful. Most Buy Here Pay Here dealerships will schedule your car payments on a weekly or monthly basis. Car Credit Nation in Winchester, VA will schedule your car payments to come due according to your specific pay schedule to make it easier for you to remember when your payments are due.
Interest Rates
You may have heard that Buy Here Pay Here dealerships charge high interest rates, and elsewhere in the industry that is often true – especially if your credit is rough. Car Credit Nation offers rates starting as low as 4.9% APR for well-qualified buyers, with every term shown and explained before you sign anything.
Establish Credit
Some Buy Here Pay Here dealerships advertise a no-credit-check option. If you are trying to establish or repair credit, choosing a dealership that reports to the credit bureaus is the far greater advantage. Car Credit Nation does review your credit report – mainly for identity verification and to confirm you have enough available income for the vehicle – but a low credit score is never the reason for a denial. Financing is carried by Car Credit Finance, our affiliated family-owned finance company, which reports your payment history to all 3 major credit bureaus – so on-time payments build a documented, positive record on your credit report.
Family Like Atmosphere
Most Buy Here Pay Here used car dealerships are family owned and operated. The customer’s overall car buying experience is highly prioritized. Buying a car can be stressful if you do not have the right support system. Car Credit Nation will treat you like family and help you with each step in the car buying process, from explaining application requirements to test driving the vehicle, showing you how to make payments, and helping you understand what to do if you have mechanical issues.
No Hidden Fees
Some banks charge hundreds to thousands in extra hidden fees for subprime lending. Used car dealerships like Car Credit Nation, a Buy Here Pay Here in Winchester, VA, do not charge hidden fees. The only amount you need to pay at the time of sale is the down payment – and it takes care of your sales tax and registration fees, so there are no surprise add-ons after the price you see.
Trade Up Early
At most lots, upgrading means waiting for payoff. Because your financing is carried by Car Credit Finance, our affiliated family-owned finance company, trading up is simpler: many customers qualify to trade and upgrade with a reasonable down payment as soon as two years after purchase, even before the loan is paid off. When your life changes – a new job, a bigger family, a longer commute – ask us where you stand.
Extended Breakdown Coverage
Buying a used car comes with the risk of the vehicle potentially having issues. Before you purchase a used vehicle, make sure the dealership offers an extended warranty. Car Credit Nation offers protection plans of up to 3 years on your vehicle, including mechanical breakdown coverage, lock-out services, roadside assistance, and rental car reimbursement – and every vehicle starts with a free 30-day / 3,000-mile powertrain warranty and our 7-Day Worry-Free Exchange.
Not Your Typical Buy Here Pay Here
Buy Here Pay Here gets a reputation from the lots that do it badly – sky-high rates, no warranty, no reporting, and a customer who ends up worse off than they started. We built Car Credit Nation to be the opposite, with all the flexibility of BHPH financing plus benefits most BHPH lots never offer:
Rates starting at 4.9% APR for well-qualified buyers, where much of the industry starts far higher. Payment history reported to all 3 major credit bureaus – many BHPH lots never report at all, so your on-time payments build nothing. A free 30-day / 3,000-mile warranty and a 7-Day Worry-Free Exchange on every sale. An on-site service department for warranty and breakdown-protection repairs. A down payment that covers your sales tax and registration fees. A trade-up path in as little as two years. And one family behind it all since 1997, with an A+ BBB rating and more than 15,000 customers financed.
Why Choose Car Credit Nation?
Overall, Buy Here Pay Here used car dealerships are a great place to start if you need a vehicle regardless of prior repossessions, bankruptcy, or no credit history at all. Car Credit Nation, a family-owned dealership financing Virginia drivers since 1997, will go the extra mile to get you into a vehicle and set you up for success with your auto loan.
Less than perfect credit? No credit? No worries.
Get pre-approved in minutes • Complete the full application • Bad credit? Start here
Reviewed by Chris Maher Jr., President, Car Credit Nation