Even in a rebounding economy, buy here pay here dealerships in Columbus, Ohio can be a haven for buyers with a poor credit history.
Whether you’ve struggled to make payments in the past or you’ve recently fallen on hard times, you still may be able to get qualified for a vehicle if you purchase from a buy here pay here dealership.
Trying to get traditional financing for your car loan may not be the best choice for you if you have less than perfect credit. It can be a stressful process without offering the result you want. For many buyers, going to a dealership like J.D. Byrider may be the answer.
Buy Here Pay Here Dealership Gets You on the Road in Columbus
Buy here pay here is just what it sounds like; it’s the place where you both pick out your car and finance it. Primarily, buy here pay here financing is available for customers who do not have a good credit history or score.
It can even be offered to those who have no credit or who have very bad credit.
Overall, the approval process is a lot simpler than that of traditional financing because the requirements to qualify are not as strict. Payments are convenient and usually available to be made onsite.
The biggest problem that buy here pay here dealers here in Columbus, OH solve is the lack of options for many bad credit car buyers.
It’s never the ideal situation, but J.D. Byrider offers a safety net that has allowed thousands of people to receive financing after being turned down at other car dealerships in the Columbus area.
8 ways J.D. Byrider may be better than a typical buy here pay here in Columbus, OH:
- We provide an easy on-site credit approval process
- Affordable payments scheduled on your paydays
- 92-point quality inspection**
- Serviced, computer-tested and reconditioned cars
- Clean-title verified
- Our vehicles come with a 24 Month / 24,000 Mile Limited Warranty
- Low-cost service and repairs—often the lowest in town
- Will help put you in a position to improve your credit score
Selection of Affordable, Quality Vehicles
Even though our focus is on helping car buyers receive financing, we know better than anyone that the most important part of buying a car is choosing a quality vehicle.
We’re always getting new inventory into our lots so we can get our customers in a vehicle to their liking while still suiting their needs.
Unlike other buy here pay here lots, our vehicles are held to a very high standard and come with a 24/24 limited warranty.
Quick and Simple Financing
If you’ve previously purchased a car, you know how long the financing process can be at a dealership.
We recognized this problem and have gone to great lengths in order to correct it and provide our customers with a superior experience compared to other buy here pay here dealers.
In fact, you can save time and get started on the financing process by clicking here.
In some cases, the interest rates on loans from buy here pay here dealers is a little higher than that of traditional auto financing. However, when you are having a hard time getting financing for a car that you really need, the slightly higher interest rate seems like a small price to pay.
If the higher interest rate is really concerning, you can look into refinancing the loan after a year or so. You will have built up some positive payment history on the loan, which can help you improve your credit score and qualify for better loan terms.
As long as you come prepared with the required documents. We will do our best to get you through the financing process as soon as possible.
Here’s what to bring:
- Your valid driver’s license
- Your most recent pay stub
- Your most recent utility bill to establish proof of residence
- Down payment
- Contact information and addresses of references
- Trade title, if you have a trade-in
On the Road to Credit Recovery
When you’re stuck in an endless loop of bad credit, it can oftentimes feel impossible to escape. You need to prove to the credit bureaus that you’re committed to paying regularly on your debt, but have trouble acquiring any new financing in order to build new and improved credit.
A car loan is a serious commitment, and paying it off will signal that you’re not only paying on current debt, but able to better handle new debts with less risk.
This will allow you to buy your next car at a lower interest rate, qualify for low-interest mortgages and even qualify for unsecured credit cards.
A car can be one of the biggest investments you ever make besides your house. If you don’t have good credit, you may find it very difficult to buy a new car, either because you can’t get the financing you need or because you can’t get loan terms that fit your budget.
Without a car, you may find it very difficult to hold down a job, to get your children where they need to be, or to even run basic errands like buying groceries or going to the doctor.
Honest and Quality Service
Reputation is everything in the car business. We want our customers to leave happy, spread the word about our dealership and come back time and time again.
In addition to the warranty, our preferred service pricing can lessen the cost of owning your vehicle by offering lower hourly service rates. Our partnerships with part suppliers such as AutoZone and the fact that our service departments service J.D. Byrider customers only, we’re able to pass along huge savings to our customers.
Learn a little bit more about the reconditioning process that all of our vehicles go through before they even hit the lot:
Before your car leaves our buy here pay here car lot in Columbus, Ohio, we will go over the following details with you:
- All our vehicles receive a new oil change and oil filter
- We will also replace any excessively worn tires
- We always conduct the factory-recommended service based on the vehicles miles to ensure you can drive your car worry-free until the next time your car needs servicing.
- You can bring your vehicle back for any future repairs to your vehicle at an affordable price.
- All oil changes will be $10 or less to help you stay on top of your maintenance
If you’re tired of being turned down, you might be pleasantly surprised by the atmosphere at the J.D. Byrider and we encourage you to stop by any one of our convenient Columbus locations.