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Buy Here Pay Here Car Lots in Washington (WA)

Nearly all WA buy here pay here car lots will allow you to finance a vehicle with no credit check. This means that, no matter how rocky your credit history, it shouldn’t keep you out of a car. You won’t be turned off the lot, and you’re nearly a shoe-in to be approved for financing. These dealers finance customers directly, on-site, instead of resorting to area banks and lenders. This is often referred to as in house financing, and since the dealership doesn’t make use of third party loan companies to offer financing, they can sell cars to whatever customers they want. To paraphrase, these dealerships provide in house automobile financing car shoppers who have bad credit stemming from issues like repossession, foreclosure, and other such credit-wreckers. Consumers with credit scores in the 500s are common on such lots.

Is BHPH Right for You?

To some people, getting their car loan with no credit check seems wonderful. Regrettably, there are a few key cons, which include high interest rates, significant down payment requirements, greater risk of predatory financing practices, and limited inventory. It is important to know the terms of your contract inside and out. In some cases, a vehicle can be repossessed after a single missed payment, and there could be penalties for paying off the loan early. Some dealers install tracking devices that are activated if the vehicle has to be repossessed, in order to aid the recovery team. These are all considerations you’ll need to take into account. You may want to bring a friend or relative along, as they may remember to ask any questions you don’t.

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Make certain you research any WA in house financing car lot online. Try and track down a friend or relative who has bought a car or truck from them in the past. Find out if they would recommend them. You can also leverage your social network, thereby enlarging the number of friends who may have had dealings with the dealer in the past. If you live in anything less than a major city, it’s almost guaranteed that you know at least one person that has had dealings with any local dealer in the past. You may also locate and cross-reference dealers through an online dealer directory, and consider the services of a local lending specialist to guide you through the process.