If you’re like most people, you might have heard of buy here pay here dealerships, but you probably don’t understand how buy here pay here dealerships differ from traditional dealerships. You might also not know what type of dealership to visit if you are shopping for a used car in the Pittsburgh area. The main difference between buy here pay here dealerships and traditional dealerships is in the financing process.
Buy here pay here dealerships approve customers for financing in-house rather than through a bank, meaning that it is easier to get approved for an auto loan. Unlike traditional dealerships, buy here pay here dealerships work with customers who have no credit or bad credit to help them receive financing for used cars. This means that people who have been turned away from traditional dealerships and who don’t have enough cash to afford a used car out of pocket often receive financing at buy here pay here dealerships. However, the loans often come with higher-than-average interest rates.
The J.D. Byrider Difference
At the Pittsburgh J.D. Byrider, we like to say we are better than a buy here pay here dealership. That is because of our commitment to our customers’ financial success. We understand that bad credit is often a symptom of bad financial habits, like overspending or missing payments. But sometimes, having bad credit is not your fault. Maybe you unexpectedly had to exceed your budget for a few months due to an emergency or illness. To us, you are more than your financial history or credit score, and so we make sure to thoroughly understand your situation before we make a decision about financing.
If you are approved for financing at J.D. Byrider, we want to help you take control of your financial situation. We’ll even help you create a budget! Making payments on your auto loan is an easy way to establish healthy financial habits that can help you improve your credit score over time. Unlike other buy here pay here dealerships, J.D. Byrider reports your on-time payments to the three major credit bureaus, meaning that your credit score will improve as you pay off your loan. When you buy your car, we give you the option of enrolling in automatic payments from your bank account to make paying on time effortless. We also offer bi-weekly payments that you can schedule around your paychecks to help stabilize your cash flow.
In the Pittsburgh area, there are many places to shop for a car. But if you have no credit or bad credit, your options are limited. J.D. Byrider is better than other buy here pay here dealerships because of our simple financing process and commitment to customer satisfaction.
Our Financing Process
At J.D Byrider, we understand how stressful car shopping in the Pittsburgh area can be. That’s why we have simplified the financing process to make your life easier. If you have bad credit and need a car, J.D. Byrider might be able to help you. Our 60-second financing process starts online before you come to our dealership. Completing the online financing process won’t affect your credit score, and we won’t ask for your Social Security number.
After you complete the 60-second financing process, someone from the Pittsburgh location will contact you to set up a time for you to come to our dealership. At your appointment, we will thoroughly discuss your financing options with you and recommend some of the cars in our inventory. We want to make sure you can afford to make your monthly payments, and so we will discuss the factors that make cars more or less affordable, such as gas mileage and the cost of insurance. Then, you will have the opportunity to test drive vehicles that match your budget to find the right car for you.
Over the past 25 years, we have helped over one million customers across the country purchase quality used cars despite their financial history. Each vehicle in our inventory comes with a clean title and a limited warranty, and we never rebuild cars. We would never sell you a car we would not drive ourselves. Come to your Pittsburgh J.D. Byrider dealership today to see how we can help you!