Exterior of America's Car-Mart store in Springfield Missouri.

Know the Facts About What Buy Here Pay Here Means

7 Advantages to Buying a Quality, Used Vehicle at America’s Car-Mart

Buying a car can be intimidating for most, but it’s even more daunting for someone who is short on cash for a down payment or has bad credit. If you fall within one of these categories, you may want to consider a buy here pay here dealership as an option.

Women with Anxiety Sitting at Desk resting on her elbowsBuy here pay here dealerships specialize in serving those with challenging credit, repossessions and yes, even past bankruptcy. They are a suitable option for consumers who might struggle to find financing elsewhere.

So, what is a ‘buy here pay here’ dealership? It’s where a customer who has bad credit purchases a vehicle from the company that finances the loan. The customer makes a car payment to the dealership in person, over the phone, or online, or some dealers like Car-Mart offer auto drafts from a personal bank account. It’s a one-stop shopping process. Customers shop, purchase, finance, and make payments all in one spot.

7 advantages of doing business with America’s Car-Mart, the best buy here pay here dealership in the industry

Check out the seven advantages of doing business with a buy here pay here dealership and how America’s Car-Mart rises to the top.

  1. Simple, stress-free used car-buying and financing process

Male Car-Mart Associate Helps Female Customer with Application ProcessWe will guide you through each step of the purchasing and financing process and answer all your questions. We understand how challenging life can be and will work with you to determine a flexible payment plan that fits your needs and budget. Our goal is to help you navigate the process with ease and confidence. Additionally, you can get pre-qualified, so you’ll know the amount you’re qualified for in minutes before you go – saving you time at the dealership!

  1. No credit required

We do not require a specific credit score to determine used car financing eligibility. Instead, we assess each customer’s ability to pay based on financial stability and non-traditional credit checks. We also look at a customer’s time at his/her residence, time on the job, and other factors. A bonus is that we report on-time payments to the credit bureaus. So, when you buy a vehicle from us, you can establish a credit history.

  1. Compassionate associates

We care about the well-being of our customers and want to help them succeed in all areas of their lives. We get it – life’s challenges can strike when you least expect them. We’re here to listen to and assist you in any way we can. You’ll be treated with dignity, compassion, and respect. Many of our associates are former Car-Mart customers, so they understand the challenges you may be facing, both personally and financially.

  1. Friendly, helpful customer service

We offer personalized services to all our customers. Our priority is putting your best interests first by listening and understanding your unique situation. We are committed to making your buy here pay here experience at America’s Car-Mart as smooth as possible.

  1. Reliable and dependable vehicles

Female Car-Mart Associate Guiding Customer Through the Sales ProcessWe have a detailed and exhaustive procedure for inspecting our used vehicles before we purchase them. We have a rigorous checklist from the exterior to the interior, and everything on the vehicle is carefully checked. Plus, we offer a free AutoCheck vehicle history report so you can be an informed buyer. Our goal is to sell the very best used vehicles.

  1. Low-down payments and flexible payment terms

By financing in-house, we can work directly with you to find the best-used car financing solution that fits your needs and budget. We don’t rely on outside lenders, so we’re more flexible regarding financing terms. And we offer low-down payments.

To help offset your down payment, you may consider trading in your current used vehicle. In addition to used vehicle trade-ins, we’ll even consider trading for anything of monetary value at the manager’s discretion.* [See your Car-Mart dealer for details].

  1. Service after the sale

Mom and Kids sitting in Car-Mart carWe don’t just sell you a vehicle and send you on your way. We’re with you every step of your journey. After the sale, if something happens, stop by the dealership, give us a call, or chat online; we’re here for you Monday through Saturday, 9 a.m. to 6 p.m. Plus, our Peace of Mind package includes optional service contracts that include roadside assistance and oil changes. We even offer an optional accident protection plan, a cancellation of your remaining debt in the case your vehicle is stolen or considered a total loss due to an accident.

America’s Car-Mart is the best choice for those considering buy here pay here dealerships to purchase a used vehicle. We’ve been in business since 1981, offering affordable, quality, used vehicles to thousands of satisfied customers. We understand that you rely on and trust us for affordable and dependable transportation, and we are committed to providing you with good value for your money.

Once you buy a used car from us, you become part of our family. Our goal is to keep you on the road and offer you peace of mind.

What are you waiting for? Get into a quality, used vehicle today. Get pre-qualified now, or start shopping at America’s Car-Mart.

*Not applicable in Texas. Limited to vehicle trade-ins only. Non-vehicle trades are subject to the manager’s discretion. The manager is the sole determiner of value. Subject to state law.

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