In-Financing a Used Car at McCall’s Auto Sales
Here at McCall’s Auto Sales we believe everyone deserves to have reliable transportation regardless of their credit history. If you’re worried about how to pay for your next car, you’re certainly at the right place at the right time. We are Brewton’s foremost automobile dealer of used cars, and we’ve helped multiple customers just like you make their car ownership dream a reality!
Here are our Top 6 Tips to Finance a Used Car, Even with Bad Credit:
1. In-House Financing:
Traditional lenders focus on intending buyers’ credit scores and often leave many borrowers out. At McCall’s Auto Sales, we specialize in buy-here-pay-here (BHPH) financing and in-house financing that’s flexible and tailored to your current situation. With affordable down payments as low as $500 and flexible payment options (weekly, bi-weekly, monthly, or semi-monthly), we can match you up with financing you can comfortably afford.
Our Requirements are Simple:
- Proof of income
- Proof of address
- A minimum of $500 down payment and $350 weekly payments
- The client must not be in an open bankruptcy
Bad credit? No problem!
2. Get Pre-Approved for a Loan
Pre-approval is the first step in knowing your buying power. It gives you much-needed clarity on your budget, spending power, and future obligations. At McCall’s, we guide you through this process, ensuring you fully understand your options and terms.
3. Flexible Payment Plans
Everyone knows that one size does NOT fit all, which equally applies to securing buy here pay here vehicles. We’ve taken a custom approach to this as detailed in Tip 1 above. We will work directly with you to create a payment plan that fits your financial goals so that you can secure, finance, and drive home with your very own car, without the extra stress.
4. Cosigner for Better Terms
Getting a cosigner with good credit can make a huge difference in your approval process – and also your interest rates. A cosigner is someone with good credit who agrees to cosign your loan, but also shares the responsibility of that loan with you. Have someone in mind? Make sure you brief them fully on their responsibilities.
5. Build Your Credit Over Time
Opting for buy-here-pay-here financing with us will not only get your used car pretty quickly, it will also provide you an opportunity to rebuild your credit. Making your payments on time will gradually improve your credit score, putting you in a better place financially for future financing needs.
Listen, we get it. We understand that traditional financing isn’t for everyone. We are here to help. Whether you need flexible payment options or a diverse variety of used and well-reconditioned vehicles to choose from, we will be with you every step of the way!Ready to find your next vehicle? Click Here