Looking to purchase a vehicle but worried about your credit score, or perhaps a little short on cash? Fear not! There's an amazing solution waiting for you at the nearest "Buy Here, Pay Here" car dealership. Today, we're going to delve into the benefits of purchasing from these dealerships, focusing specifically on how you can drive away with a fantastic car today from Great City Cars with just a $500 down payment and payments as low as $115 a week.
Bad Credit, No Problem!
One of the standout benefits of buying from a Buy Here, Pay Here (BHPH) dealership like Great City Cars is that it provides auto financing for people with bad credit or no credit at all. BHPH dealerships understand that everyone can face financial hardship, and instead of looking at your past mistakes, they focus on your ability to pay going forward. Hence, if you've been rejected by traditional lenders, don't despair. A BHPH dealership can be your doorway to owning a car, despite your credit history.
At Great City Cars, the entire financing process is managed in-house. This means the dealership itself acts as your lender. The convenience of this can't be overstated. You not only find the car you desire, but you also secure the necessary financing all under one roof. This simplifies the buying process, saving you precious time and effort.
Flexible Payment Terms
Another major advantage of buying from a BHPH dealership like Great City Cars is the flexibility they offer with payment schedules. Here, you can arrange weekly or bi-weekly payments that align with your paychecks. This makes it much easier for you to manage your budget and ensure you never miss a payment. With payments of just $115 a week, owning a car becomes an achievable dream.
If you want to buy anything big, like a car, you may need to take out a loan to pay for it. Personal and car loans are two of the most common financing options, and they can be rather simple to obtain if you match the lending criteria.
So, what exactly is the distinction between the two?
Key distinctions between car loans and personal loans
The first major distinction between a car loan and a personal loan is that a car loan is typically secured, with the car serving as collateral. As a result, most car loans are for new or very new vehicles. You can receive an unsecured vehicle loan, but it will usually come with a considerably higher interest rate due to the lender's greater risk.
Any personal loan allows you to borrow money for various reasons, including funding a vacation, a car, home improvements, or debt consolidation. While you may need to explain the purpose of the purchase – in this case, purchasing a car - you may be able to borrow more than the car costs and put the additional money towards another purchase or improve your cash flow (provided you can meet the repayments). Loans can be unsecured or insured, and they can have a fixed or variable interest rate.
When to get auto loans?
Auto loans are the most affordable option to finance a new or used car. Some lenders and dealerships may not require a down payment, but you will get a better rate if you do.
These loans are usually used to buy out a lease. You may potentially qualify for a cheaper rate if you have been paying on time for a year or more and your credit has improved.
Benefits of Getting a Car Loan
Cons of Getting a Car Loan
When do personal loans work best?
When borrowers don't want to put down payment and are willing to pay a higher rate for unsecured funds, it calls for acquiring a personal loan.
Unlike an auto loan, a personal loan does not burden your vehicle, allowing you to sell it before paying it off.
Benefits of buying a car with a Personal Loan
Cons of buying a car with a Personal Loan:
Which is right for you?
Pre-qualify for a vehicle loan or personal loan by asking yourself these questions:
Do I know my car?
Before granting you a car loan, a lender may want to know all about the vehicle. They may ask for the manufacturer, model, VIN, and even the color. You can receive a car loan if you have these facts. A personal loan may be better suitable if you merely want a loan and then go automobile shopping.
If you still want a car loan and want to go car shopping, apply for pre-approval. No assurance, but it indicates how much the lender will finance you when you return with your desired vehicle.
Is it a new or used car?
For example, some lenders won't allow you to buy a used car, while others accept up to five years old. A personal loan may be more likely to be approved for a used or older car.
How secure will my finances be during the loan term?
Personal and auto loans normally range from one to five years but can go up to seven. If you have a consistent income and your circumstances are unlikely to change, a car loan may be better than a personal loan. A car loan frequently has fixed repayments, making it easier to budget for that period.
A personal loan may be more suited if you know your situation will change, such as having a child or buying a property. Personal loans are often more flexible, so you can make bigger payments for a year or two before returning to the minimum. Personal loans rarely charge for late payments, although car loans frequently do.
Do I need to borrow more than the automobile is worth?
If you're a head turner, you may want to customize your new wheels. If you can't afford it and need a loan, a car loan is unlikely to help. Car loans are just for the purchase of a vehicle, which is why approval is so strict. Personal loans aren't usually tied to specific items, so you can borrow $5,000 more than the car's worth and put a dirty subwoofer in the boot.
Great City Cars is a used car dealer columbus offering on-site car financing in columbus. Our in house car financing columbus and buy here pay here in columbus ohio services help our customers get and stay on the road. Come by our buy here pay here car lot columbus and see why Great City cars is the BEST columbus ohio buy here pay here lot. Apply online today and get driving right away!!
Easy and cheap ways to save fuel and money while driving and buying gas.
Fear not...Help is at hand...GET A BICYCLE! Seriously, there are a few things that can be done without throwing your car keys away and walking everywhere. (PHEW)!
A lot of the things you can do to save fuel are easy and free. When was the last time you checked your tires to see if they were inflated to the correct pressure? Under inflated tires are one of the main causes of excess fuel consumption. It's easy to check your tire pressures daily with a
cheap tire pressure gauge; if you don't know how asks your local garage mechanic to show you (A free beer works wonders).
When you buy your fuel can have an effect on what you get. Gas is sold by volume and as we all know from school, liquids expand when warm, so if you buy your gas at the hottest part of the day you will get less than if you buy when it is cold. So the logical time to buy your gas is just before dawn (Who's Dawn?) when it's coldest.
With 24 hour shopping it would make sense to do your weekly shop while others are asleep and fill up your tank at the same time. The roads will be quieter so less traffic to get stuck behind and waste fuel. There are various (free) websites and apps that will tell you the cheapest gas prices in your area.
How about just washing your car. It causes less drag, ... Honestly. Why do you think that swimmers shave their heads (i.e. Duncan Goodhew)? Or what about those skin tight smooth figure hugging suits worn by downhill skiers? ( Just going for a cold shower). Make car washing fun, get all the family involved. Hose down the dog, hose down the kids. Hose down the whole neighbourhood. (If winter you may ignore this one)
Sitting at the lights revving the engine may impress the boy racers but it uses gas. Rev the engine 15 times and you use enough fuel to travel one mile. Remember this next time you have to push your car to the gas station. Is your car due for a service? (I know a good priest who can give the last rites at a reasonable price). I know it costs money for servicing your car if you are unable to do it yourself. But the cost in extra fuel if your car is not running right is even more. (Blocked air filter, worn spark plugs, sticking brakes, etc.)
Best of all drive safely. Do not tailgate! if you do you will have to brake harder when the car in front does. Give some distance to the car in front. You will use your brakes less and still get there at the same time. Watch the traffic far ahead and try to read how they are going to act, if you see brake
lights up ahead you can react a bit sooner. If you are driving in the wet you can sometimes see the reflections of brake lights on the wet road surface. This allows you to slow down sooner and avoid harsh braking.
We hope these tips will help you stay safe on the roads!
If you are looking for car dealerships in Westerville Ohio and have some credit problems, then why not check out the great selection of used cars at Great City Cars. Our convenient Buy Here Pay Here Columbus loan program has helped thousands of individuals, just like you, get into a car that they can rely upon to get to work and navigate life with.
Not all car dealerships in westerville or buy here pay here columbus car dealers are the same.. Great city cars is the HOME to the $300 Down and payments only $95 per week program. This is UNBEATABLE!!
If you have a drivers license and proof of income making at least $1200 per month, then you are APPROVED. All you need to do if start your simple application process by CLICKING HERE.
Our team will receive your information, give you a call, and help you to get into a Great City Car! So again, If you are looking for car dealerships in Westerville Ohio and have some credit problems, then choose the buy here pay here Columbus champion dealership...Great City Cars!
Modern cards require expensive equipment and electronic diagnostics system to repair problems. You can’t do every type of fixes/maintenance alone. You need to go either to an authorized dealership or a certified technician for complex problems.
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When you need to stop messing around and finally get that car you have needed, then Great City Cars can be the exact car dealer in columbus you are looking for.
We have been helping Columbus residents get into affordable cars and off the streets for almost a decade now.
When you need a car and have some credit issues, we are the top choice. Our buy here pay here program will alleviate a lot of stress you have when applying for car or a car loan.
We are the bank. We do not check credit. You only need as little as $300 down and our payments are under a $100 a week!!
So, get out of the cold, into your new great city car and TURN THE HEAT UP!!!
Apply Now HERE
At Great City Cars we focus on finding reliable used cars for you. We then can offer you no hassle financing on our Buy Here Pay Here Program.
What is Buy Here Pay Here and how can it help you? Our Buy Here Pay Here program is an amazing way for people who may have some credit challenges today. We are the bank in this instance. What you do is come in with a downpayment and a drivers license. Show us proof you can afford the low weekly payments, and then we approve you for a loan. You will pay us weekly either online or by coming into the dealership. It's that simple. As long as you keep up your payments, the car is yours.
We are no different than a bank in this manner. Banks lend money so they can be paid back. So do we. We feel we offer generous terms, and we only require a weekly payment to stay current. How much easier than this can it be!!
So, when you need a car- Think of Great City Cars an it's amazing Buy Here Program!
These tricks can help if you find yourself locked in a battle with the elements
(BPT) - As drivers bundle up to take on Old Man Winter this season, having a few tricks up your sleeve can be a big help in keeping your cool on the road. Here are five hacks for battling the elements and staying safe on the roads.
Got stuck? Snow problem!
Hazardous winter weather requires that drivers take additional precautions. According to the latest Hankook Tire Gauge Index, 72 percent of drivers indicated they would not want to drive in icy conditions. Further, 84 percent of Americans recognize the dangers of black ice, the most dangerous weather condition for driving.
Great City Cars believes you should not be stuck this winter without a ride.
Our buy here pay here program in columbus offers everyone a fair shake at acquiring a good used car. We don't check credit, nor do we check with banks on whom we can lend to.Why? Because our buy here pay here program is the best in the city and easiest to get started with.
Downpayments as low as $200 and payments at just $75 per week- its simple, affordable and will get you back on the road and to work and school and wherever your life takes you.
Buy Here Pay Here Car lot In Columbus
Downpayments as low as $500 and payments only $115/week. If you have a job, a license and insurance - Your Approved!