2351 Saw Mill Run Boulevard Pittsburgh, PA 15210 412-882-3123

Blog from Used Car World

Frequently Asked Questions

FAQ: Deciding on a car to buy can be difficult. Weighing the importance of things like features, fuel economy, and price can be daunting on your own. Which is more important to you? Auto Trader offers a great tool to help you decide. Compare options, safety specks, fuel economy, price and more with their model comparison tool. Check it out here.

Used Car World - Why Us

    Many consumers believe that all used car lots are the same. Hidden costs, pushy salesmen and big promises. At Used Car World we have upfront pricing, knowledgeable salesmen and a long history of obtaining financing for even the most difficult situations. We have been serving Pittsburgh and surrounding areas like McKeesport, Brentwood, Mount Lebanon, Monroeville, Baldwin, Penn Hills, West Mifflin and many more for 20 years. There is good reason we have been around so long. We can do what no one else can. Many of our customers have been turned down by other dealerships. What makes our dealership different is a combination of partnering with multiple lending companies and a sales staff that has been financing the “un-financeable” for a very long time. Partnering with multiple lending companies means we will find a company that will work with your situation. All lenders have different criteria for their programs. One lender may not accept bankruptcies, or self-employment income, while another will. Our salesmen have become experts over the years. They know which company will work with your situation. We also have the Buy Here Pay Here program. If your situation is especially difficult and does not qualify for our outside lending programs, we will finance you in-house! This way, everyone gets a car loan.

Fast and Easy Application Process – We have lots of fast and easy ways for you to apply. Our online application has the lowest number of required fields, making it the fastest application around. You can complete our online application in less than two minutes. One of our salesmen will call you! If you don’t have access to the internet, call the dealership or stop in! We can process your application in person or by phone.

Best Service – All of our customers are treated to the same quality service during the process. We will walk you through the application process and explain your contract in detail.

Large Inventory and Selection – We have a huge inventory of cars, trucks, SUVs and vans. Every vehicle is eligible for our financing programs. (unless it is marked “Cash Only” or “As-Traded Special) We don’t force you to choose from a limited group of cars.

Upfront Pricing – All of our prices and details are listed on our sites and our partner sites. You will know the prices or the vehicles prior to application.

Stop in and see why we are different. Or view our inventory, fill out a credit application, or get an instant appraisal on your trade-in on our site.

Sub-Prime Auto Loans - FAQs

Its a vicious cycle....


 Lots of good people have ended up in financial hardship from job loss, illness or unexpected problems resulting in damaged credit. Once your credit is damaged, the only way to rebuild it is to get a loan and show that you can now pay. But how do you prove you can pay if no one will give you a chance? Guaranteed auto loans can be the answer for some consumers to rebuild their credit and get back on track.


Q. I have bad credit and need a car! Can you help?

A. YES!! Bad credit doesn't mean that you can't get a car loan, and it doesn't mean that you will have ridiculously expensive monthly payments either. Your credit score doesn't have as much to do with getting a sub-prime loan as you may think. Credit scores are subjective to loan companies and what you may think is a bad score may actually not be all that bad to a sub-prime lender. Sub-prime lenders have made an entire industry out of providing customers with bad credit car loans. With sub-prime lenders, your credit score is not as important as "stability and ability", or stability and ability to pay. That means your stability (time at job, home) and ability to pay (job, income). Used Car World utilizes a network of lenders to find a company that will work with your specific credit, employment and household situation. We are experts in financing the "un-finance-able" and what makes us different from other dealerships is our Buy Here Pay Here program. If we can't get you financed through a lender, we will lend you the money ourselves!


Q. I have no credit! What about me?

A. NOT A PROBLEM!!  We can customers who are lacking sufficient credit history a car loan for the same reasons we are able to get customers with bad credit a car loan.


Q. I had a car repossessed, just went through a divorce, or bankruptcy...

A. YES, YES, AND YES!! (Hopefully you're beginning to notice a pattern here...)  Just like your credit score is less of a factor with sub-prime auto loans, the fact that you were unable to pay a car loan perfectly enough to avoid repossession will not prevent you from getting a loan. Our lenders look at your ability to pay now. Same with divorce and bankruptcy. We are interested in whether or not you can pay now, not what happened to get you in your current credit situation.


Q. I already have a car loan. Can I get another one for my spouse?

A. YES! Even if you already have an auto loan, our lenders understand that you and your spouse will need a car. Again, lenders care about ability to pay. If you have to ability to make two car payments, we can get you a loan.


Q. I am on a fixed income. Can I get a loan too?

A. YES! Whether its Social Security, Unemployment, a pension or any other type of fixed income, money is money. As long as your bringing enough in to pay your loan, we can get you a car.


Q. I am self employed or unemployed...

A. YES!! Self-employment is still employment, and self-employed customers can still get a car loan. You may have to provide additional verification such as bank statements, but you will be able to get a loan. If you're unemployed and we cannot get you through our lenders, we can still get you a loan through our Buy Here Pay Here program. We are the bank!


Q. How much do I have to put down?

A. That depends! There is no one answer to this question. Every customer and every car is different. Sub-prime lenders don't heavily rely on your credit score to determine your ability to pay. Instead they use other factors like your ability and stability which depend on your personal situation. Some down payments are as low as $500.00, plus tax and tag fees. Beware of any auto dealer that offers bad credit loans with no down payment and "low weekly payments". Those "low weekly payments" add up to a whole lot each month. They are much more likely to have you paying a whole lot more for your vehicle than you have to, and are quick to repossess in the event of late payments and less likely to work with you to get back on track. There is a need for these companies, and they provide a service, but at a cost.


Q. Can I use my trade as my downpayment?

A. OF COURSE!! We take trades and buy cars outright through our "Cash for Cars" program. We will give you the highest possible payout for your trade to use toward your next car. You can get an online trade-in appraisal on our website.


Q. How much of a loan can I get?

A. THAT DEPENDS!! Like everything else, that will depend on your stability and ability to pay. We will do our best to get you what you want, and will make sure that we put you into a quality used car that you can afford.


Q. How long does it take to get approved?

A. MINUTES! Whether you are submitting your credit application on our website or with one of our salesmen, we will be able to provide you with a preliminary approval in minutes. You will be able to drive away same day in your new vehicle.


Q. Will this help my credit?

A. ABSOLUTELY!! Paying Installment loans in full and on time like car loans are the best way to raise your credit score. Each payment gets you one step closer, and the best part is that you can drive your car while your repairing your credit!


GREAT! How do I sign up!? What do I have to bring with me?


Awesome! It depends on what you're doing. Everyone needs their identification, even if you're buying the car for cash. If you have insurance, bring it with you. It will make it easier to put your new car on your current insurance. If you don't have insurance already, no worries! We can get you insurance at the dealership. You will need to bring proof of income, and proof of residence. If you have a bank account, bring your bank statements. Bring whatever you have. If there's anything you're missing, we will help you get it. The more you bring with you, the faster you can drive away!