What Is A Buy Here, Pay Here Dealership?

Put simply, at buy here, pay here dealership like AutoSmart, you'll never have to worry about financing preventing you from getting the car you want. We offer flexible automotive financing options so that everyone can find the perfect car that fits their life and their budget; including those with bad credit. We offer financing in-house (or “bad credit car loans”) and traditional automotive financing, too!

We understand the concerns of those who have been prevented from buying a car by outside lenders in the past and we can overcome those obstacles, because at AutoSmart...we are the lender!

That means we decide who receives financing, and we will always choose to with work you, not against you when helping you buy your next car.

Questions? Call us.
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What Is Buy Here Pay Here?

Buy Here, Pay Here dealerships are exactly what they sound like. You can find a vehicle, get financing, and pay for the vehicle all at one convenient location. That makes the car buying process a whole lot easier for everyone, because you have one trusted source to handle every step. Buy here, pay here dealerships like AutoSmart are an especially popular choice for consumers buying a car with bad credit.

Outside lenders often decline prospective buyers with bad credit, but a buy here, pay here dealership like AutoSmart can be more flexible and approve buyers for in-house financing.

How Does “Buy Here, Pay Here” Work?

Buy here, pay here dealerships extend in-house financing to buyers who purchase a vehicle from the dealership. Then, buyers can make affordable monthly car payments to the dealership. (AutoSmart is especially flexible, because we offer traditional automotive financing, too!)

Once a driver has been approved for a car loan they can choose from among lots of different vehicles at the dealership and know exactly what their payment will be. The bottom line is that buy here, pay here dealerships work with drivers to secure financing and put them in the driver seat of the vehicle they want to drive.

What is In-House Financing?

Yes, it is possible to get a car loan with a “bad” credit score! This is where buy here pay here financing comes in. 

At our Buy Here Pay Here dealership we believe that you, as a car shopper, should have the opportunity to “Own Your Journey”. Since buy here pay here dealership offers in-house financing, they don’t have to turn away credit-challenged consumers and can help drivers begin their journey toward improving their credit score.

Surprisingly, buy here pay here dealership like AutoSmart do not require buyers to put down a large down payment, either! 

Busting 3 Common Buy Here, Pay Here Myths

Does Buy Here Pay Here Hurt Your Credit?

Some might think doing business with a Buy Here Pay Here dealership could harm your credit score. Surprisingly, in-house financing with this type of dealership can do the exact opposite! When credit-challenged borrowers commit to an auto loan through a Buy Here Pay Here dealership, it can actually begin their journey toward credit repair. This process can also allow consumers with no credit history an opportunity to build credit from the ground up. As long as the Buy Here Pay Here dealer is reliable and reports monthly payments to the credit bureaus, every on-time payment made toward the car loan is a positive mark for your credit score. All in all, financing an auto loan at a Buy Here Pay Here dealer can improve your credit!

Does Buy Here Pay Here Require Big Down Payments?

Contrary to popular belief, Buy Here Pay Here financing does not require a hefty down payment upfront. One of the biggest benefits of doing business with a Buy Here Pay Here dealership is their in-house financing. Unlike traditional dealerships, Buy Here Pay Here dealerships offer in-house financing, which means they are a one-stop-shop because they are the dealership and the bank in one place. Buy Here Pay Here dealerships are notorious for offering their customers affordable, low down payments to finance a new vehicle.

Is Buy Here Pay Here A Bad Idea?

Maybe you’ve heard the persistent rumor that Buy Here Pay Here dealerships are unreliable, but this is simply false. Buy Here Pay Here dealers are able to offer loans to individuals who usually would not be able to qualify for one at a traditional dealership. These types of dealerships believe in giving people a second chance. Most Buy Here Pay Here dealerships pride themselves on in-house financing, which means they can provide auto loans to all car shoppers. They are the farthest thing from unreliable because they are simply loaning their very own money to consumers who desperately need a car loan to drive. Trusted Buy Here Pay Here dealerships also offer customer perks such as car warranties and free oil changes to prove their commitment to their customer. Without a doubt, Buy Here Pay Here dealerships deserve more recognition than they receive because they are dependable and a huge help to consumers who might not be qualified to lend elsewhere.

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