Struggling to find an auto loan? You've probably come across some
dealerships offering "in-house financing." These dealerships could be
your best bet if you're having difficulties acquiring a traditional auto loan.
But what does in-house financing really mean, and when is it a good idea to
consider this option?
In-house financing refers to "buy-here, pay-here" dealerships that
provide financing directly to their customers. It's the type of financing that
eliminates the need to use a bank or other lender for auto loans. As such, the
entire process tends to be simpler and easier.
How Does In-House Financing Work?
If you're like most people, purchasing a new set of wheels will require you
to get an auto loan that allows you to break up the costs of buying a car into
affordable payments over a period of time. How much you'll be able to borrow
from a lender will depend on a variety of factors, including the type of
vehicle and your financial situation.
There isn’t a one-size-fits-all approach to buying a car. In-house financing
is often used as an alternative option to traditional financing options. With
in-house financing, car dealers have the benefit of setting their own
underwriting standards. For this reason, you'll find that their terms are more
favorable and flexible compared to banks or credit unions.
In-house financing may be a great option for you if you're at risk of being
denied a car loan because of poor credit or lack of credit history. Still,
there are some things worth considering when it comes to in-house financing for
an auto loan:
In-house financing may come with higher interest rates compared to
traditional car loans because the dealership is taking more risk by providing
you with the financing directly. While your credit score is important, your
dealership will look at factors such as your job situation to determine the
interest rate they're willing to offer you. For instance, some dealerships may
forego the need for a down payment. Offering more money upfront may also help
you negotiate for lower interest rates.
With in-house financing, you have the flexibility to negotiate payments. The
dealership wants you to drive off in the car you really want. For this reason,
they'll work to ensure you get the car on terms that fit your budget, including
flexible payment periods and extended warranties. A reputable car dealership
can also provide the opportunity to pay down your loan faster, resulting in a
tremendous amount of savings.
In-house financing provides you the opportunity to improve your credit
score. Making timely payments on your customized auto loans can help push your
score up.
Make sure to ask your dealer about their in-house financing policy before
signing on the dotted line. It’s important to thoroughly consider the terms of
an in-house financing agreement to avoid falling prey to predatory lenders.
Always work with a dealership with great reviews and a demonstrated history of
providing in-house financing to their customers.
Looking for Car Dealers With In-House Financing Near Me?
In-house financing: It's flexible, it's convenient, and helps build credit.
Contact Rocky Mountain Motor
Cars to get started. We’ll walk you through the entire process to ensure
you get the car you want at incredible terms.
All Locations
| Mon: | 9:00am - 8:00pm |
| Tue: | 9:00am - 8:00pm |
| Wed: | 9:00am - 8:00pm |
| Thu: | 9:00am - 8:00pm |
| Fri: | 9:00am - 8:00pm |
| Sat: | 9:00am - 6:00pm |
| Sun: | Closed |
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