Does Everyone Get Approved at Buy Here Pay Here Car Dealerships?

If you’re in the market for a car and have less-than-perfect credit, being approved for a car loan can be a challenge. One option is to visit a buy here pay here dealership where financing is typically done in-house and the approval process is faster and easier than with a bank or other traditional lender.

But does everyone get approved at buy here pay here dealerships?

While a few may not be approved, such as those with no income, the overwhelming majority are able to get the car they need at this type of dealership. One reason for the high approval rate is that the loan isn’t based on a credit score. Instead, the dealership looks at your ability to make payments.

That’s why as long as the borrower has a job and a checking account they are very likely to be approved.

The Application Process

Unlike a bank or other lender, the application process at a buy here pay here dealer is simple, fast, and straightforward. Usually, you need only to provide proof of address, proof of income, and checking account information. The approval will be based on how much of a payment you can afford rather than on your credit score.

Most buy here pay here dealers even allow you to start the application process online. Whether you apply online or in-person, the approval is usually instant, so you can drive away the same day.

Victory Used Cars is committed to helping Oklahoma City area residents get the car or truck they need—and we don’t let past credit issues stop them. The truth is that most people have had credit problems at one time or another, but we work with car buyers to help them start to rebuild their credit with an easily-approved buy here pay here car loan.

Need more reasons to stop by Victory Used Cars?

·   Premium Used Cars: All the vehicles on our lot have been carefully inspected and meet our high standards.

·   Transparent Pricing: Our transparent pricing makes it easy to find a vehicle that meets your needs and your budget!

·   Free Labor: When you finance your car with us, we stand behind it 100%! That includes providing free labor on any needed repairs.

We have a large selection of vehicles and a team of helpful, knowledgeable salespeople who are ready to help you drive away in the quality car you need. Stop by and get approved today!