What is a “Buy Here, Pay Here” dealership? Buy Here, Pay Here is just what it sounds like: you purchase your vehicle and make payments for the vehicle at the same location. This all made possible because of our “In-House” lending system.
How does Custom Car Credit’s “In-House” lending system work? “In-House” lending means that the dealership not only sells the vehicle, but finances it as well. Thanks to our “in-house” lending system, we are able to control all aspects of the financing process, making the car buying experience faster, easier and with less stress for our customers, with many customers driving away the same day. In addition, we can provide affordable transportation to those who may not be approved through conventional lending methods because of bankruptcy, foreclosure, past repossessions, divorce or because of no credit at all.
How does Custom Car Credit’s “In-House” lending system differ from conventional methods of lending? Our “In-House” lending process differs from the conventional method of lending because it focuses on providing credit to those who normally may be turned down when applying for credit normally, including those with bad credit or no credit at all.
How do I qualify for a loan with Custom Car Credit? Stop by the dealership and fill out a Program Application with one of our managers or associates. We will then find a vehicle and payment that fits your needs!
What do I need to bring with me to fill out a Program Application? In order to approve your application, we will need the following information:
2 of your most recent pay stubs/ receipts
2 pieces of mail (Printed, not hand written, including bills, junk mail, magazines, etc.)
Lease or Rental Receipt (If you are purchasing your home or own your home, we’ll need that documentation)
The name, address and phone number for your employer
The name, address and phone number for your landlord (if applicable)
The names, addresses and phone numbers for 6 references
(Please provide 3 family members and 3 friends in this reference list)
Trade title and registration (if you are trading a vehicle in. Please remember that the vehicle must be in your name)
Cash down payment
You can call in to set up an appointment or simply walk in to the store to fill out an application. We look forward to meeting with you!
Don’t “Buy Here, Pay Here” dealerships have high interest rates? Unfortunately, many Buy Here, Pay Here dealerships charge large interest rates- in upwards of 30%- to customers who do business with them. Custom Car Credit’s interest rate has always been a flat 9.90% fixed APR- regardless of credit history, loan amount or down payment. Custom Car Credit’s mission is to work with you, not against you!
How much do I have to have for a down payment to purchase a vehicle with Custom Car Credit? Our suggested down payment is generally 10% of the vehicle’s sales price as marked on the window of every vehicle on the lot. With vehicles ranging from $1,999 to $14,999, there is a down payment that we can fit to you! In addition, customers who qualify can do as little as $99 on delivery!
How much would the payments be on a vehicle purchased through Custom Car Credit? Much like a down payment, the vehicle payment is determined by the vehicle’s sales price. Generally speaking, payments can range from $99 a week to as low as $29 a week.
What If I’m paid Bi-Weekly, Semi-Monthly or Monthly, instead of Weekly? No worries- Custom Car Credit’s lending system can “tailor-make” a payment to fit your pay schedule, no matter when you get paid!
What kind of vehicles do you have for sale? We sell cars, trucks, vans and SUV’s of all makes and models to suit your needs and requirements in a vehicle. If you come to the lot, but don’t see something that works for you, fill out an application and ask about what’s available on the other lots! Can I have the vehicle I am thinking about purchasing inspected before I purchase it? We not only allow you to have the vehicle inspected before you purchase it- WE REQUIRE IT! Because we understand that you are making one of the biggest purchases of your life, we want you to know the mechanical condition of your vehicle before you purchase it. You can have anyone you trust inspect the vehicle, whether it is a professional garage/ mechanic, a family member or a friend that you trust.