Not every driver in Union County and Bridgewater has perfect credit, so what are your options if your credit score could use some work? Guaranteed car finance dealers are here to help. What does “guaranteed car finance” mean? You may have heard it referred to as “buy here, pay here” or “in-house” financing. It’s a more flexible way to secure the loan that you need, so you can get the car that you want. Get more car buying tips below, and find out whether guaranteed car financing is the solution for you.
When shoppers apply for financing, usually they undergo a standard credit check. This process reveals the shopper’s credit history, which is passed onto potential lenders. When you choose a guaranteed car finance plan, there is no credit check. Instead, your income is used to determine your eligibility. Most dealerships have a minimum income requirement of $1,500 to $2,000 a month pre taxes. This figure will depend on your particular dealership. If you meet that requirement, you’re automatically eligible for financing.
Guaranteed car finance dealers are great options for those with no credit or poor credit. Unlike traditional auto financing, guaranteed car finance plans are hassle-free. You can even get pre-approved for a vehicle the same day you buy it!
However, you’ll still need to qualify for guaranteed financing and complete the proper paperwork. This includes documentation like:
Does in-house financing help build credit? Yes. Because in-house financing dealerships report payments to major credit bureaus, they can help to build your credit score over time. So even if your credit is less than perfect, committing to prompt payments on your new vehicle will help you for the future. If you have any concerns, be sure to double check with your dealership. While the vast majority will report to major credit bureaus, it’s important to verify that information before you sign your final paperwork!
If you’re looking for guaranteed car finance dealers in Springfield Township, allow Springfield Acura to be of assistance. Our finance team is here to work with you, regardless of your credit history, so you can find solutions that fit into your budget. Contact us with any questions and to schedule a test drive here in Springfield Township!
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