We know you need a car to get to work, drive your kids around and do the million other things that people have to get done in a day that are not within walking distance. Many times, people who are inquiring about our Buy Here Pay Here program are new to trying to get a car with challenged credit. They may have been told by a friend or family member that getting a vehicle loan is impossible without good credit. Eventually, someone tells them the only way they can purchase a vehicle is if they find a car dealership that offers “Buy Here Pay Here”. The large majority of customers that call our dealership looking to apply for our Buy Here Pay Here program are unaware that they are eligible for traditional sub-prime financing. Almost anyone, regardless of credit is eligible for special financing. Unless you are unable to verify your income, we can get you an auto loan through one of our sub-prime lending companies. Buy Here Pay Here is only for those who cannot verify income, or provide other types of verification for a regular special financing loan.

         Buy Here Pay Here consumers aren't necessarily in any worse credit situations than a Special Financing customer but instead have difficulty with the added verification required by bad credit loans. Buy Here Pay Here customers may have difficulty verifying income due to self-employment or a lack of income entirely. Since Special Financing lenders who accept no credit or bad credit customers require income verification and proof of ability to pay, consumers without the ability to meet minimum income or verification requirements could be left without a vehicle. This is where Buy Here Pay Here can be a benefit to consumers. Buy Here Pay Here loans are more lax with requirements due to the fact that it is the dealership itself that is funding the loan. The dealership is loaning the money, which is why you buy the vehicle and will make your payments at the dealership, hence the program name "Buy Here and Pay Here". If you are a consumer who has unverifiable income, problems with licensing, or are unemployed, Buy Here Pay Here may be your only option and it can be a Godsend to those who are just looking for a chance to rebuild their credit and get back on track.

          There are negatives to Buy Here Pay Here or Rent to Own programs just like any other sub-prime lending programs since the company or dealership is assuming additional risk by loaning vehicles to customers that do not have a good payment history. You will likely have a higher interest rate or need more money down than a customer with good credit and payment history, but you will be able to get a vehicle.

          Call your local dealership that offers the program. If you live in Pittsburgh or surrounding areas, come and check out Used Car World! We partner with multiple lending programs and also have the Buy Here Pay Here program. We have a huge inventory of cars and trucks and are ready to give you a second chance! Click "Apply Online" to submit a credit application and get an answer within 10 minutes!

-Used Car World

SPECIAL FINANCING

Have income? You’re approved!

Bring in a pay stub or proof of income, and we'll get you a loan! We don't care about your crappy credit! Our down payments are as low as $500.00 plus tax and tags. We accept people with all kinds of credit problems including repossession, divorce and bankruptcy.

We use a network of sub-prime lending companies to find you a loan that works with your situation. Check out our Online Car Loan Application to submit a credit application online and get an approval in 10 Minutes or LESS!!

BUY HERE PAY HERE

No income? You’re approved!

We have financing programs for everyone including the Buy Here Pay Here program. If you are a special case customer that is unable to meet the verification requirements of our special financing, that's OK! We can still get you a loan. Our Buy Here Pay Here program accepts everyone, and no verification is necessary.

CASH FOR CARS

We'll buy your car.. Even if you're not buying one of ours!

Need quick cash? Having down payment problems and need to use your trade? We'll buy your car and give you the most money for your vehicle. Our expert salesmen will give you a free appraisal on your vehicle and pay you in CASH today. Getting cash for your car is easy! Use our online instant appraisal tool. Want more information? Our Cash for Cars page has all the information you need!