When it comes time for you to buy a vehicle, most buyers are more than ready. Sometimes, it’s for great reasons. Maybe you are finally able to step out and purchase that car or truck that you’ve been wanting for so long, or maybe you’ve got a new baby on the way and it’s time to make the transition from that two-door sports car to something a little more family-friendly. Sometimes, the reasons are not so joyous: an accident totaled your vehicle and you need something reliable and safe to get to work.
Regardless of the reason for it, when you are ready to spend hard-earned money on the car, truck, or SUV you have picked out, you want to make it happen as soon as possible. Most importantly, you don’t want to have your hopes of driving off in that vehicle destroyed by restrictive financing requirements that are outside your control before you even get the chance to get behind the wheel. For many drivers and want-to-be owners, putting money toward a down payment is a hurdle that they just can’t clear at the moment.
Credit History and Down Payments
At most car dealerships, if you have an excellent credit score, long credit history, and are able to budget for the full amount of the monthly car payments, you will not be required to put any money down when buying a vehicle. But frankly, that just doesn’t apply to most of us. We all have some bumps in our credit history that we are working to get past or even bad credit that we are trying to get out from under. Without a perfect credit history or a phenomenal credit score, a lot of lenders may require a minimum of 10% down of the purchase price of the vehicle before you can drive it off the lot.
But at Victory Used Cars, you have another option – a lifeline to getting that vehicle you deserve. As a buy here pay here dealer, our mission is to get you into the car you deserve. We want to make it as easy on you as possible, and that’s why we offer in-house financing with an approval process that revolves around your future, not your past. And that includes lower down payments and payments that you can afford.
Getting That Lower Down Payment
With just a few easy steps, you can apply for an auto loan with us that is not dependent on your credit and will allow you to pick out the car you want and take it home the same day. At Victory Used Cars, we provide a buy here pay here used car dealership experience that gives you the chance to move past your credit history and into a new car today. Just because you don’t have the money for a down payment doesn’t mean that you don’t deserve to purchase a car that you will enjoy, be able to rely on and be proud to show off to others. We work with you, in person, as our partner – and that means financing, and down payments, are flexible and can be personalized to what works for you!Too often, drivers worry that their options will be severely limited or that they might not be able to find financing for a vehicle at all, but when a big down payment is required, that worry becomes real. At Victory Used Cars, we want you to understand that the down payment is not a barrier to getting the vehicle you want. As a buy here pay here dealership, we will sit down with you, face to face, to find a car you love with a low down payment and financing that works for you.