Buy here pay here car dealerships in Indianapolis are different from traditional dealerships in that they provide their own in-house financing.
This typically means that obtaining bad credit auto financing can be much easier since the dealership is not relying on a decision from a third party bank. Instead, the buy here pay here dealership can make a decision internally, allowing for much more flexibility in terms of approving a loan which might be denied by a bank.
At J.D. Byrider, we understand that credit problems can happen to anyone, but that shouldn’t keep you from getting back on the road. We want to help our customers get a vehicle they can afford while also getting back on track with good credit.
Why a buy here pay here dealership in Indianapolis may be right for you
The obvious choice for most people who need financing for a new vehicle is visiting their local bank or financial institution but if you’ve experienced credit problems in the past or have a limited credit history, a traditional loan may be difficult to get.
While this can often be frustrating to customers, buy here pay here dealerships provide their own in-house financing allowing them to get easier credit approval.
So even if a low credit score, poor employment history, or even bankruptcy has kept you from getting behind the wheel in the past, purchasing a vehicle from a buy here pay here dealership in Indianapolis may be the solution you’re looking for.
When you visit a traditional dealership, getting approved for a loan is a more rigid process since they typically send your information to a bank and don’t have any control over whether you will get financed or not.
If you visit multiple dealerships and they all run a credit report, your credit could take quite a few hits and could have a negative impact on your overall credit score. This will make it even more difficult for you to qualify for a traditional loan in the future.
They also typically just look at your credit score or other factors directly related to your credit report. Many buy here pay here car dealerships in Indianapolis like J.D. Byrider might still take a look at your credit report, but still take other factors into consideration such as your budget and ability to pay.
Sales people at traditional dealerships are always on the look-out for an easy sale and/or commission. They want to target customers who look like they have money to spend and can talk into add-ons such as extended warranties or fabric protection packages.
If you come in looking like the chances of approval are low, they won’t give you the attention you deserve since they want to chase the guy with the good credit and deep pockets.
Buy here pay here dealerships are used to working with customers with less than stellar credit so they don’t expect you to have a big down payment up front and will take the time to help you find the right vehicle at a price you can afford.
In many cases, they can also offer options such as a deferred down payment which allows customers to stretch out their down payment over a set period of time.
The buy here pay here difference
- Approval and financing are through the dealership – not a bank
- Approvals are typically less difficult, even if you have no credit or bad credit
- Payments are more convenient and usually accepted on-site
The J.D. Byrider difference
While other buy here pay here dealerships do offer their own on-site financing and easy approval process, J.D. Byrider is better than a typical buy here pay here dealership because we stand behind the cars we sell.
All our vehicles undergo a thorough inspection, computer testing, servicing and reconditioning to ensure our vehicles meet our high-quality standards.
Our technicians also take every vehicle on a minimum 20-minute test drive to ensure the vehicle is working properly.
Other buy here pay here lots may also make offers of lower down payments or have a higher approval rate but they also typically have less reliable cars and don’t care if their customers can make their payments on-time.
J.D. Byrider only buys cars that fit our high-quality standards of lower miles and clean titles, so we don’t buy cars with salvaged, rebuilt or restored titles.
When you visit any of our three Indianapolis area locations you will receive exceptional customer service and a large selection of quality vehicles and you will see what sets us apart from other buy here pay here dealerships.
Another thing that sets us apart is that we invest in each vehicle and recondition it with newer parts to make sure they’re up to J.D. Byrider’s high standards.
8 ways J.D. Byrider may be better than a buy here pay here:
- 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
- Limited warranty or service agreement
- Low-cost service and repairs—often the lowest in town
- Will help put you in a position to improve your credit score
So what does all this mean? We’ve gone into more detail below to help answer your questions.
Buy here pay here loan approval process
We evaluate your loan based on the ability to make easy, affordable monthly payments, not on past mistakes. We want you to feel comfortable and know what to expect when you visit us.
One of our friendly finance representative’s will sit down with you to discuss your budget and transportation needs. Your loan should work with your lifestyle and we want to help you find the right one before you sign on the dotted line.
Low delivery costs
No one expects their car to break down, and often it occurs when you don’t have money saved up for a large down payment. Unfortunately, when this happens you also need to get a new car fast. That’s why we only ask for a low delivery payment before you can drive your car home—often the same day you apply.
Easy payment options
We want to make sure making payments on time is quick and easy. Below are just some of the ways you can pay:
- By text
- By phone
- Through a MoneyGram
- Through a Western Union
- By automatic withdrawal
- Mobile App
While we’re happy to discuss with you any of these options, we encourage our customers to sign up for automatic withdrawal to stay up-to-date on payments. By staying current on payments you can help increase your credit score.
You will also save money by signing up for automatic withdrawal since you won’t have to pay for things like checks, envelopes or stamps which will affect your bottom-line and can help to put you in a better overall financial state.
To learn more about how credit reporting can affect your credit score, read our quick guide here.
Our 92-point inspection will give you peace of mind when you drive your vehicle off the lot. The inspection process places a large focus on making sure your car is up to our safety and dependability standards.
Here are just a few points we check to make sure they’re in good working order:
- Engine mounts, oil and filter, leaks and the intake manifold
- Seat belts, spare tire, airbag warning lights, and the interior and exterior mirrors
- Heating and A/C systems, along with the control knobs and switches
- Frame, underbody, and the hood, trunk and gas releases
- Electrical system, including headlights and taillights and the turn signals
- Transmission, suspension, steering, fuel and braking systems
Watch this 2-minute video to learn more about our reconditioning process and 92-point inspection:
We don’t sell cars with salvaged, restored or rebuilt titles. We verify all our cars have clean titles with Carfax, AutoCheck or another reputable source so you don’t have to worry about the value and safety you’re getting from your vehicle.
What’s inside matters
We don’t just check the outside of your car. We also get into its core, including checking its logs with our computer testing system. This will show our technicians if there are any misfires or engine codes, which could indicate trouble. If we do find anything, we will make any needed repairs and clear the codes.
Before your car leaves our lot, it will have had a fresh oil change and a new oil filter put into it. 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.
Buy here repair here
While we do everything do ensure the quality of our vehicles, we know that issues can come up and we want to make sure that convenience is a priority so you can take your car right back to where you bought it from to get it fixed. Our skilled technicians will diagnose and make any needed repairs to your vehicle at an affordable price.
Additional maintenance savings
Staying on-top of maintenance will help keep your car running well and J.D. Byrider saves you money by offering oil changes around just $10, depending on the location.
A little more piece of mind
Very few buy here pay here dealerships stand behind their vehicles and offer a warranty. We offer our customers both a limited warranty or extended service agreement. We’re invested in making sure you can stay on the road affordably for a long time. Our warranty and service agreements cover things like the engine and transmission, with the goal of keeping you on the road affordably.
Our customers speak for us
We’ve served over 1.1 million customers in the more than 25 years we’ve been in business, so you know you can trust us to be there. You also don’t have to take our word for it, we encourage you to visit JD-Byrider-Reviews.com so you can see and hear for yourself what our customers have to say.
If you’re ready to experience the J.D. Byrider difference, we encourage you to stop by any one of our convenient Indianapolis buy here pay here locations.