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The History Of Buy Here Pay Here Car Loans

The History Of Buy Here Pay Here Car Loans

Why Does Bad Credit Car Financing Exist? Who Does It Really Help?

Let's talk about something that's changed the game for countless car buyers over the years—buy here pay here car loans.

If you've ever been turned down by a bank or traditional lender, you might already know why these places matter: They've opened doors for many people who thought vehicle ownership was out of reach.

Let’s take a look at the history of bad credit car financing and how it could help you.

The Birth Of Buy Here Pay Here Car Loans

Remember the economic rollercoaster of the 1970s? Probably not, but that's when the buy here pay here industry took its first steps. Before that, if your credit wasn't spotless, good luck getting wheels. Banks and credit unions ruled the car loans world with an iron fist.

Then some clever dealership owners had an idea: "What if we finance these cars ourselves?"

These early pioneers saw something others missed: millions of hardworking Americans needed vehicles but couldn't get traditional financing. The oil crisis had rocked the economy, inflation was through the roof, and many people's credit took a beating. Yet, they still needed to get to work, pick up kids, and live their lives.

So, the first buy here pay here lots appeared. They were small operations, usually family-owned, with a few dozen used cars and a filing cabinet full of car loan agreements. They weren't fancy, but they filled a big gap in the market.

How These No-Credit Car Loans Changed the Game

Buy here pay here dealerships flipped the script on auto financing. Instead of a bank calling the shots, the person selling you the car also became your lender. This changed everything.

Your income became more important than your credit score. Suddenly, having a steady job mattered more than past financial mistakes. Weekly or bi-weekly payments replaced the standard monthly schedule, making budgeting easier for many buyers.

The dealership looked at your situation differently. They asked practical questions: Can you make your payments? Do you have income stability? How much car can you actually afford? They often still checked credit, but the score was no longer considered a key factor in issuing a loan.

Who Benefits From Bad Credit Car Financing?

Look around at the customers at a bad credit car financing lot, and you'll see all kinds of stories.

The nurse who declared bankruptcy after medical bills piled up during an illness.

The self-employed contractor whose income doesn't fit neatly into a bank's approval boxes.

The recent graduate with zero credit history.

The family rebuilding after a foreclosure.

Bad credit car loans serve people in transition; those between financial stability points. Life happens. Credit scores drop. But the need for reliable transportation doesn't go away.

The Nuts and Bolts Of No Credit Car Loans

Let's break down how these loans actually work. It's a different animal from what you'd find at a big-name dealership.

The cars tend to be around three to 10 years old with some miles on them. That's on purpose. It keeps payments lower, but the cars are still reliable with plenty of life left in them.

Down payments matter big time. Your dealer will tell you exactly the down payment amount you’d need to get a car loan, so there’s no guessing game.

Payment schedules often align with paychecks. If you get paid weekly, you might make weekly car payments. This helps you avoid the "end-of-month" crunch when all bills come due at once.

How Car Loans Have Evolved in the BHPH World

Those early buy here pay here lots from the 1970s would barely recognize today's operations. Technology has transformed the industry completely.

Modern dealers use sophisticated software to track inventory, payments, and customer relationships. Many now report payment history to credit bureaus, something rarely done in the early days. This reporting gives borrowers a chance to rebuild their credit with each on-time payment.

Online inventories make shopping easier, and some buy here pay here car lots now approve applications digitally.

The vehicles have improved, too. While early car lots might have offered only high-mileage rides, today's inventories often include newer models with luxury features.

Finding Your Way Through Bad Credit Car Financing

Shopping for a new whip with credit challenges requires different thinking. Know exactly what you can afford monthly (and be honest with yourself). Bring proof of income and residence to speed up the approval process. Save for a larger down payment to improve your terms.

The right buy here pay here dealer wants to see you succeed. They’re motivated to match you with a ride and a car loan you can handle long-term.

Get a Buy Here Pay Here Car In an Hour

Get a Buy Here Pay Here Car In an Hour

Shop At Quick Auto to Find a New Whip, Fast

Are you in need of reliable transportation but don't want to spend days dealing with paperwork and negotiations? At Quick Auto, we've perfected the car-buying process so you can drive home in a quality used whip in an hour or less. We’re your credit connection!

Our easy buy here pay here system makes car shopping simple, even if you have credit challenges.

Why Choose a Buy Here Pay Here Car From Quick Auto?

The traditional car-buying process can be time-consuming and frustrating, especially if you have less-than-perfect credit. When you choose a buy here pay here car from Quick Auto, you get a simplified approach where financing and purchasing happen at the same location. This means no third-party lenders, no waiting for approval, and no wasted time.

We handle everything in-house, from selecting your ride to arranging payment terms that work with your budget. This is how we get you set up and ready to go so quickly.

How to Get a Buy Here Pay Here Car In Just One Hour

At Quick Auto, we've refined our process to respect your time.

1. Pre-Approval For a Buy Here Pay Here Car Near You

The first step to getting your vehicle quickly is completing our simple financing application. You can submit this online before you visit, or we can help you apply when you arrive. Either way, we can get you approved in minutes.

We don't focus solely on credit scores. Instead, we look at your overall situation. This means we can approve many customers who have been turned down elsewhere. When other dealers say no, Quick Auto says YES!

2. Choose Your Ride

Once approved, our team will show you vehicles that match both your budget and needs. With over 150 options from popular makes like Chevrolet, Ford, Jeep, and Kia, you'll have plenty of options.

Our buy here pay here car lot inventory is priced clearly (and fairly), eliminating the need to negotiate for a deal. Each ride comes with our limited 18-month protection plan, giving you confidence in your purchase.

3. Streamlined Paperwork

The car-buying process at other dealerships is slowed down by mountains of paperwork. We've simplified our documentation to cover only what's necessary, with clear explanations of terms and conditions. Our experienced team will guide you through each form so you actually understand what you’re signing and when you buy a buy here pay here car.

4. Drive Home In Your New-to-You Whip

And just like that, you’re ready to roll. After finishing the paperwork and making your down payment, you'll get your keys and can drive away. The entire process, from walking through our door to driving off the lot in your new whip, can take as little as one hour.

Finding Buy Here Pay Here Near Me Is Simple

With seven convenient locations across Indiana, there's likely a Quick Auto near you:

1. Hammond (6805 Calumet Ave)

2. South Bend (52018 State Hwy 933)

3. Highland (9237 Indianapolis Blvd)

4. Elkhart (710 N Nappanee St)

5. La Porte (1700 E Lincolnway)

6. Mishawaka (2711 Lincolnway W)

7. Portage (402 W U.S. Hwy 6, Valparaiso)

Each of our buy here pay here car lots offers the same efficient process and extensive inventory, so you can visit whichever is most convenient for you.

What Makes Quick Auto Different From Other Buy Here Pay Here Car Lots

Not all buy here pay here car lots offer the same experience. Quick Auto gives you:

Transparent Pricing

We clearly display pricing on all vehicles, eliminating haggling and saving you valuable time. Our affordable prices and low down payments make quality vehicles accessible to everyone.

Flexible Payment Options

We offer weekly payment plans that can fit various budgets and pay schedules. This flexibility helps our customers manage their finances more effectively.

Quality Rides

Every car on our lot undergoes a thorough inspection before being offered for sale. We also provide a limited 18-month protection plan on all buy here pay here cars for your peace of mind.

No-Credit Financing

Bad credit? No credit? No problem! We specialize in working with customers regardless of their credit history. Our in-house financing means we make the decisions, not distant banks with rigid requirements. We do our best to find ways of offering financing for your new whip at great interest rates.

Ready to Get Your Buy Here Pay Here Car Today?

If you need a reliable ride and want to avoid the typical dealership runaround, visit Quick Auto today. In just one hour, you could be driving home in a quality used car with a payment plan that works for your budget.

Browse our inventory online before you visit to save even more time. Or pop in to one of our seven Indiana locations, there's no appointment necessary.

Don't let transportation issues hold you back another day. With our efficient buy here pay here process, you're less than 60 minutes away from solving your transportation needs. Experience the Quick Auto difference, where getting a quality used car is fast, simple, and hassle-free.

How to Get the Used Car You Want

How to Get the Used Car You Want

Follow These Tips When You Visit a Used Car Dealership

Shopping for the right set of wheels can feel like trying to find a needle in a haystack. One minute you're browsing online listings, the next you're standing on a lot hoping you’ll be approved for the shiny sedan you want.

When you shop for a new ride, you want one that you actually like — you like how it looks, you like how it drives, and you like how it makes you feel when you’re behind the wheel.

Follow our tips to get the used car you want when you visit a used car dealership in Indiana.

The Secret to Finding Amazing Used Cars

Most people walk onto a car lot without a game plan. Big mistake. Huge.

Your search should start at home, long before you're taking a test drive at a used car dealership. Set a real-world budget that includes not just the sticker price, but the whole package, which means insurance, gas, maintenance, and those unexpected repairs that pop up. Confidential & Proprietary 1 Make a list of non-negotiable features versus nice-to-haves. Need something that can handle Indiana winters? Four-wheel or all-wheel drive moves from "maybe" to "must." Commuting 40 miles each way? Fuel efficiency just became your new best friend. But that moonroof, on the other hand, is probably not essential.

Research Before Visiting Used Cars Dealerships

The internet has transformed car buying forever. You can browse inventory by searching for “used car dealerships near me” without leaving your couch. For example, at Quick Auto, our online inventory shows you what's available across all seven of our locations.

Don't just look at pictures. Check vehicle histories, compare similar models from different years, and read owner reviews. That 2019 model might have better tech, but the 2018 could be more reliable. That’s the kind of detail that doesn't show up in glossy photos.

Pro tip: Call ahead to confirm the rides you're interested in are still available. Nothing wastes time like driving to see a car that was sold yesterday.

The Documentation Dance For Used Cars Shopping

Nothing kills a deal faster than showing up unprepared. We've seen excited buyers walk away empty-handed because they forgot basic paperwork.

Bring your ID (driver's license or state ID), recent pay stubs or tax returns, and proof of address (utility bills work great).

The sales team at a used car dealership isn't asking for these things to make your life difficult. They're requirements for financing approval. Come prepared, and you'll zip through paperwork while unprepared shoppers are still making phone calls home.

The Art Of Inspecting Used Cars

Exterior Assessment

Run your fingers along panel seams. Uneven gaps often signal previous damage. Check door edges and jambs, often overlooked during repaints after accidents. Squat down and look along the body from multiple angles, as ripples in the reflection can reveal hidden dents.

Interior Detective Work

That "new car smell" in a used car? It could be masking something. Sniff for mildew (possible water damage) or excessive air freshener (hiding odors). Test every button, knob, and feature, even ones you think you'll never use. Not every used car dealership near you is as thorough as Quick Auto!

The Revealing Test Drive

Drive on various road surfaces. That smooth dealership parking lot won't reveal suspension issues like the potholed side street will. Accelerate from a full stop, brake firmly (when safe), and take at least one highway on-ramp to test merging power.

Used car dealerships in Indiana vary in their inspection standards. At Quick Auto, each vehicle undergoes a multi-point inspection before hitting our lot, but we still encourage thorough personal testing.

Financing Used Cars Without the Headache

Money talks, especially when it comes to car buying. A bigger down payment almost always means better terms and lower monthly costs. Even an extra $500 down can significantly impact your payment schedule. Some used car dealerships also have a required down payment amount, especially if they finance in house.

Payment timing matters, too. Weekly payments can sometimes be easier to manage than monthly ones by breaking a large sum into smaller bites. Just make sure the payment schedule aligns with your paycheck cycle; you know your finances and we’re here to work with your needs, not against them.

Making Your Used Car Dealership Visit Count

Bring a notebook and take pictures. In the excitement of car shopping, details blur together after visiting multiple places. Your notes will save you when comparing later.

Ask about previous owners and maintenance records. A one-owner ride with a documented service history is often worth paying more for than a mystery car with an incomplete background, even if you might dig the trim on the mystery car.

Don't rush, even if you fall in love with the first car you see. The right ride at the wrong terms can become a daily reminder of a hasty decision.

Why Quick Auto Excels Among Used Car Dealerships

Seven locations across Indiana, Michigan, and Illinois mean you're never far from our inventory of over 150 vehicles. Our 18-month protection plan covers your purchase long after you drive off the lot, something many used car dealerships don't offer.

We pride ourselves on transparent pricing. The number on the windshield (or online) is what you'll pay, with no mysterious fees appearing in the final paperwork. Our team members are car people first, sales people second. We won't push you toward something that's wrong for your needs just to make a sale.

The Final Drive

Finding your perfect used car combines preparation, patience, and making good choices. Armed with knowledge and the right expectations, you can feel confident while you shop.

At Quick Auto, we're ready when you are. Browse our inventory or stop by one of our convenient locations. Your next great car is waiting, and now you know exactly how to find it.

Good Deals On Buy Here Pay Here Cars


 

Good Deals On Buy Here Pay Here Cars

What to Watch For When Shopping At a Car Lot

If you’re looking for a good, used car, you probably also want to get one fast and easy, with financing that works for you. You may even be shopping at buy here pay here car lots to find your next ride.

 

But how do you know if you're getting a good deal? Here's our guide to spotting a truly good deal on a buy here pay here car.

What Is a Buy Here Pay Here Car Lot?

First, let's make sure we're all on the same page. Buy here pay here car lots help you get a loan without talking to a bank or credit unit. This means you can find a vehicle and get financing all in one place. It’s a good option if you have had past credit challenges. Because the dealer is also the lender, they’re more flexible with approval requirements.

 

Finding a car lot that does buy here pay here near you is pretty easy, too. If you live in Indiana, you have options, like Quick Auto, your credit connection.

 

Good Deal Tip #1: Check Out the Buy Here Pay Here Car’s Condition

To find out if you’re getting a good deal, don’t focus only on the price tag. Think about the overall value. You want a ride that:

1.    Is reliable and in good condition. 

2.    Has the features you want, like Bluetooth or chrome trim.

3.    Has working air conditioning, heat, and windows.

4.    Has been taken care of and recently serviced, such as having oil changes or tire rotations.

An easy way to learn about this is by taking a test drive and asking questions at the buy here pay here car lot.

Good Deal Tip #2: Ask About a Vehicle History Report

A vehicle history report, sometimes called by the namebrand CARFAX®, can help you learn about a car for sale. The report will tell you if the ride has been in accidents and whether it’s been taken care of. 

 

You don’t want to spend stacks on a car with a salvage title, so ask for the report if the situation seems sus.

Good Deal Tip #3: Are You Comfortable With the Price?

Once you've found a car in good condition, it's time to talk numbers. Could you get the same car for a better price elsewhere and be approved for a car loan, too? How much will you have to drop on a down payment? Do you feel good about the payment plan?

Buy here pay here car lot teams can help you understand pricing, down payments, and monthly or weekly payments. Ask questions, read the paperwork, and understand how you’ll repay your loan with them. Expect full transparency at Quick Auto.

Good Deal Tip #4: What Else Are You Getting With Your Buy Here Pay Here Car?

Some buy here pay here car lots offer extra benefits that can add value to your purchase, like a protection plan or warranty. These show the car lot stands behind the vehicles they sell. They give you peace of mind that you won’t need to pay stacks to have your ride fixed.

You should also expect to be treated with respect when you shop for a new whip. The salesperson should tell you all the terms of the deal and never pressure you into buying.

Features Of a Good Deal

If you’re looking to shop for a buy here pay here car, and you want a good deal, watch for these things:

?     Vehicle condition

?     Vehicle history

?     Comfortable price

?     Warranty

?     Respectful interactions

Quick Auto Is Your Credit Connection

At Quick Auto, we want to help you roll off the lot in a reliable car. With seven car dealerships in Indiana near you, our buy here pay here car lots are local and part of your city - just like the pizza named for one of our locations!

We’ll get you done right with:

1.    Our big selection of used vehicles, whether you want an economy car, a rugged SUV, or something with chrome and top-of-the-line features.

 

2.    Flexible financing: Even if you have a low credit score or a small down payment, we can help you.

 

3.    Peace of mind with our 18-month limited protection plan.

You deserve a nice whip, and Quick Auto can help you find one. Check out our inventory on our website or visit one of our seven car lots in Hammond, South Bend, Highland, Elkhart, La Porte, Mishawaka, and Portage/Valparaiso.

 

 

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Buy Here Pay Here Dealership Warranties


Buy Here Pay Here Dealership Warranties

Do These Dealers Offer Warranties On Their Used Cars?

When buying a used car, you want a reliable vehicle that will last you many years, but you also don't want to spend a fortune. A used car warranty from a buy here pay here car dealership can give you peace of mind that you made a smart purchase.

Let's break down what you need to know about warranties and how they can protect your investment.

What Exactly Is a Used Car Warranty?

Think of a warranty as a promise. It's a written guarantee from the buy here pay here car dealership that they'll cover the cost of certain repairs for a specific time period. If something goes wrong that's covered under the warranty, you’re not stuck dropping stacks on a repair bill.

There are different kinds of warranties. Some cover almost everything, while others are more limited.

Common Types Of Coverage In Buy Here Pay Here Warranties

Warranties don’t always cover everything. You might even see something called a “limited warranty.” Read the fine print and ask questions to find out what your car’s warranty includes.

For example, it might include coverage for repairs or replacements of the:

1.    Engine.

2.    Transmission.

3.    Drivetrain.

4.    Electrical system.

5.    Cooling system.

6.    Computerized components.

It’s rare to find a warranty on a used vehicle that offers total bumper-to-bumper protection. A preowned car has wear and tear, so most plans are not as comprehensive.

Why Having a Protection Plan is Important

Warranties are a safety net. Any ride, even well-maintained ones, can have surprise issues. Instead of dropping Gs out of the blue, a warranty saves you money.

Having a protection plan also gives you confidence in your purchase. When a buy here pay here dealership offers a warranty, it's a sign that they believe in the quality of their vehicles. This doesn’t mean every issue is covered, but it means that your dealer will stand behind the sale.

A protection plan can also save you money. Right after you buy a new-to-you ride, you don’t want to pay for repairs. You expect your car to run right, and you need to protect your wallet. A warranty gives you that.

Buy Here Pay Here and Warranties: What You Should Expect

Buy here pay here car dealerships can help people who may have had credit challenges in the past. Because of this, some people might think they won’t get a warranty. The reality is that many reputable buy here pay here dealerships do offer protection plans with any vehicle on the lot.

Why? Because it's good business. A dealership that offers warranties is showing that it stands behind its vehicles and wants its customers to have a positive experience. You don’t have to stress when something goes wrong on a vehicle that you have purchased.

What to Look For In a Buy Here Pay Here Dealership Warranty

When you're shopping at buy here pay here car dealerships, pay attention to the warranty details, like:

1.    Length of coverage: How long does the warranty last? Is it for a few months, a year, or longer?

 

2.    What's covered: Know what is covered. Ask questions if you have them.

 

3.    Deductible: Is there a deductible? This is the amount you'll have to pay out-of-pocket before the warranty coverage kicks in.

 

4.    Where can you get repairs done? Some warranties require you to use specific repair shops.

If the answers are unclear, ask for more information before you sign the bill of sale.

Getting the Most Out Of Your Buy Here Pay Here Warranty

When you buy a car with a warranty, here’s how to get the most bang for your buck.

1.    Keep good records: Hold onto all your paperwork, including the warranty agreement and records of service like oil changes, tire rotations, and transmission flushes.

 

2.    Follow maintenance schedules: Regular maintenance, like oil changes, can help prevent problems and keep your warranty valid. Check your car’s owner’s manual to find out what kind of maintenance it needs. If your car didn’t come with a manual, you can find one online.

 

3.    Report issues early: If you notice something wrong with your car, tell the buy here pay here dealer right away. Get your ride checked out so you don’t end up with an even bigger problem. 

Making a Smart Choice

Buying a used car, especially from a buy here pay here dealership, doesn't have to be stressful. With a good understanding of warranties and what to look for, you can roll off the lot with confidence because your investment is protected.

Find a buy here pay here car dealer near you to start shopping for a vehicle with a protection plan.

 

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YES, You Can Qualify For a Car Loan Here!


YES, You Can Qualify For a Car Loan Here!

Quick Auto Gets You Right In As Little As an Hour

Looking for a vehicle, but worried about getting approved for a loan? You’re not alone in your situation. 

 

At Quick Auto, we believe everyone deserves a chance to drive a reliable and good-looking car, so we’ll work with you at any of our seven convenient locations in Indiana.

Understanding Buy Here Pay Here Financing

Without good credit and a big down payment, it’s hard to get approved for a car loan. Banks and other lenders will turn you down. Buy here pay here financing at Quick Auto is your solution.

Unlike traditional dealerships that rely on outside lenders, we are the lender. This means we make the decisions, and we help you directly. Quick Auto is your credit connection.

How Bad Credit Car Loans Work At Quick Auto

At Quick Auto, we're focused on your present and future, not just your past. While we'll take a look at your credit history, we also consider the rest of your story, like your income and how long you’ve had a job.

Here's how our process works:

1.    Check out our inventory. We have over 150 used vehicles available. You can see them all on our website.

 

2.    Apply online or in person. We want to make it easy for you. You can fill out a credit application online, or stop by one of our car lots, and our team will help you.

 

3.    Get approved quickly. We know your time is valuable. At Quick Auto, we can get you right in less than an hour.

The Benefits Of Choosing Quick Auto For Your Car Loan

We don't just offer bad credit car loans. People shop at Quick Auto for lots of reasons.

1.    So many options: You’ll find lots of makes and models here, even newer rides with chrome trim and luxury features.

 

2.    Affordable prices and payments: Our low down payments and payment schedules fit into your lifestyle. You can afford a new-to-you ride.

 

3.    Peace of mind: All our used cars come with a limited 18-month protection plan. This provides you with extra security and shows our commitment to selling quality vehicles.

 

4.    Fast and friendly service: We’re here to help you when other car lots won’t.

Bad Credit Car Financing That Works

We understand that life happens. Surprise costs that pop up can make it hard to save money or build your credit score. Our bad credit car financing can make a real difference for you. You can get a reliable ride that won’t break down on you and that makes you look good. And when you make your payments to Quick Auto on time, you can get more opportunities in the future, like a better apartment or even a better job.

What If I Have Really Bad Credit?

At Quick Auto, we work with all kinds of credit situations. Come talk to us, even if you know your credit score is low. Let’s see if we can find a way to help you out.

How Much Of a Down Payment Do I Need For a Car Loan?

Down payments can vary, but our team can work with you to find a down payment amount that you are comfortable with.

Can I Really Get Approved For Buy Here Pay Here Financing In Less Than an Hour?

Yes! We’ve been in business for a long time, so we’ve been able to create a fast process for getting into a new-to-you whip. We really can get you right in an hour or less. Bring these with you when you come:

 

1.    A government-issued photo ID, like a driver’s license or other ID with your photo on it.

2.    Your recent pay stubs from all your jobs.

3.    Proof of your address, like a utility bill in your name.

Ready to Get Started? Visit Quick Auto Today!

Don't let a low credit score hold you back from getting the vehicle you need. At Quick Auto, we're here to help. With our easy application process, buy here pay here financing options, and commitment to customer service, we make it simple.

Stop searching around. Get to Quick Auto, where we get you right. We can get you in the driver’s seat today.

Here’s where to find us in Indiana, near the Illinois and Michigan borders:

?     Elkhart (710 N Nappanee St, Elkhart, IN 46514)

?     Hammond (6805 Calumet Ave, Hammond, IN 46324)

?     Highland (9237 Indianapolis Blvd, Highland, IN 46322)

?     La Porte (1700 E Lincolnway, La Porte, IN 46350)

?     Mishawaka (2711 Lincolnway W, Mishawaka, IN 46544)

?     Portage (402 W U.S. Hwy 6, Valparaiso, IN 46385)

?     South Bend (52018 State Hwy 933, South Bend, IN 46637)

Find the Quick Auto location nearest you and come in for a visit! We're ready to help you find your next car, truck, or SUV. Let us show you how easy it can be to get a car loan, even with less-than-perfect credit.

 

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Benefits Of a Buy Here Pay Here Dealership


Benefits Of a Buy Here Pay Here Dealership

You Might Be Shocked By How Easy It Is to Shop Here!

Let’s talk about something that might have been on your mind: buying a car when a car loan feels out of reach. We get it. 

Especially if you have credit challenges, thinking about applying for a car loan is scary and uncertain.

But we have the inside scoop: a buy here pay here dealership could get you behind the wheel of a vehicle you love. Check out the benefits of shopping for a reliable used car at one.

  1. Buy Here Pay Here Works For You, Under One Roof

Things are different with buy here pay here dealerships. Instead of looking for a bank who will give you a loan, and then looking for a car lot that has a vehicle in your price range, you can do everything all in one place.

Buy here pay here dealerships are one-stop shops. They give you the loan and sell you the car. And although they do check your credit score, it’s not what helps them decide to lend to you. Your work history and income are better proof that you can make your car payments.

  1. The Buy Here Pay Here Model Means You Can Own a Car, Even If Others Told You No

Life gets rough sometimes. Maybe you ended up with a bill you didn’t expect, or you lost your job a few years ago and are still building back from that.

 

Buy here pay here dealerships understand your situation. We know humans make mistakes. And because that is a fact of life, we think helping you is the right thing to do. Even if you’ve been turned down at other car lots, there’s still hope for you here.

  1. Qualifying For a Car Loan Is Made Easy

You don’t need to do hours of paperwork to shop at a buy here pay here dealership. We get you right, fast.

 

Show us the basics:

 

  1. A government-issued photo ID, like your driver’s license.

  2. Your most recent paystubs from everywhere you work.

  3. A utility bill in your name, sent to the address where you live.

 

We’ll go over our credit application with you, and when you’re approved, you can choose your car and get behind the wheel. This process usually takes an hour or less at a buy here pay here dealership.

  1. Paying For Your Car Is Easy, Too

If you were to qualify for a car loan through a bank or credit union, you’d need to either mail them your payment or pay online. Those payment options require you to have a bank card or access to checks or money orders. If you mail a payment, you also have to pay for postage and the envelope.

 

Buy here pay here car dealerships, on the other hand, will take your monthly payment on-location. If you want to pay your bill in cash, you can. And if you prefer to pay online with your bank card, you have that option, too. These are much more convenient than hoping the mail arrives at your bank on time or paying extra to get a money order.

 

  1. See REAL Vehicle Options Online

If you’ve ever looked for a used vehicle online, especially on social media marketplace apps, you might have come across a scam, where someone, sometimes posing as a business, wants you to pay a deposit before you go to see the car they’re selling. Don’t fall for it.

 

Reputable buy here pay here dealerships have all their vehicles for sale listed on their websites, along with mileage, features, and sometimes down payment information. You can trust that these cars are real because you can see them online and you can see them in the lot.

  1. Buy Here Pay Here Dealerships Are Nearby

One of the biggest benefits of shopping at a buy here pay here dealership is that you don’t have to go far, especially if you live in Indiana, near the Michigan or Illinois borders.

 

Quick Auto has seven convenient locations in the Michiana area, including in the Chicago suburbs, so you can find a quality car and a car loan that fits your finances.

 

Whether you’re hanging around Hammond, working in Mishawaka, or living in La Porte, Quick Auto is your credit connection. Find a location near you.

 

When you’re ready to shop, come by our lots and talk to us. We’ll make everything easy for you to buy a new-to-you ride even if your credit isn’t perfect.

 

Can I Afford a Used Car


Can I Afford a Used Car?

Don’t Wait Until You’re at a Traditional Used Car Dealership to Find Out

You’ve been working hard, standing on business, and you’re tired of taking the bus or asking your bae to drive you everywhere.

You need a used car that won’t break down on you and that shows off your swag.

But can you actually afford one?

Traditional Used Car Financing Leaves You Stranded

You’ve probably found out the hard way before that used car dealerships that pay to have brand names on their signs don’t want to help you find a new ride. 

 

The lenders they work with think your credit score is too low, or that you don’t make enough money. And your credit score got even lower because they checked it and denied you a loan.

 

At Quick Auto, we’ve turned the car-buying process around so it helps you instead of irritates you. When other used car dealerships say you can’t afford a used car, we say you can.

How It Works At Our Used Car Dealerships Near You

Most used car dealerships near you use third-party lenders, like banks or credit unions, who only care about your credit scores and put high income minimums on their loans. They call you a risk.

But you’re not a risk. You’re a human who needs wheels to go to your mom’s house, to go to work, to pick up the kids, and go grocery shopping.

Our used car financing model is different. We still check your credit score, but we base how much we’ll loan you on other things, like your work history and the money you earn. 

Follow this process, and we can help you buy a used car:

  1. Show us your government-issued photo ID, your most recent pay stubs, and a utility bill in your name at the address where you live.

  2. We’ll have you fill out our financing form (or you can do it online).

  3. We’ll tell you what you qualify for.

  4. You pick your new whip and drive away.

Making Your Car Payments

Big-name used car dealerships don’t collect your car payments from you because they hand your business to one of their lenders. Friendlier, smaller used car dealerships like Quick Auto let you pay directly to us, so you know where your money is going.

 

You can drop off your payment with us, or you can pay online on our local used car dealership websites. When you buy a car from us, be sure to ask where to find our online payment portal for the Quick Auto location in your neighborhood.

Other Used Car Expenses

When you buy a used car, think about how much it will cost to own and drive. Not only do you have to make your payments to us on the schedule you agree to, but you may also need to pay for:

 

  1. Car insurance. The state of Indiana requires you have a minimum amount of liability insurance. If you have ever driven with a suspended license, got tickets for not having insurance, or have certain other convictions on your record, you may need to pay for SR22 insurance.
     

  2. Gas. Even if you pick an efficient car, you will still need to buy gas.
     

  3. Maintenance. Oil changes and tire rotations can help your car last longer.

Budgeting Tips

If this is your first time buying a used car, or if you need a little help with money, try these tips.

 

  1. Pay your rent and car payment first before you go shopping or head to the club with friends. Use what’s left after you pay your bills for those extras.
     

  2. If you are struggling with your payments, come talk to us! We want you to be a successful car owner.
     

  3. Before you buy a used car, create a monthly budget. Look at your pay stubs to find out exactly how much you get paid. Subtract bills like rent, utilities, phone, internet, and groceries from it. What you have left, you may be able to put toward car payments.

Our Used Car Dealerships In Indiana Are Here to Help You

With seven convenient locations in Indiana near the Michigan and Illinois borders, Quick Auto is your credit connection! When you’re ready to buy a new-to-you ride, come see us in your neighborhood. We can help you get behind the wheel in 60 minutes or less and offer low down payments and flexible payment options.

 

You have options at Quick Auto, where your next vehicle is within reach.

 

Tax Refunds For Buy Here Pay Here Cars


Tax Refunds For Buy Here Pay Here Cars

Make Your Down Payment Today At One Of 7 Locations

Your tax refund check is on its way, and it’s time to put it to work.

Turn your tax refund into a new-to-you ride at the Quick Auto buy here pay here car lot near you.

Drive Away In a Buy Here Pay Here Car During Tax Season

You get a tax refund when you overpay your taxes, which are taken out of your paycheck. You can also get a refund if you qualify for credits, like if you have kids.
 
 Your tax refund is all yours, and it opens up possibilities for making your life even better than before. Use your refund as a down payment on a car that you’ll love driving and showing off.

When you bring your refund to Quick Auto, we’ll get you right fast: approved for a car loan and behind the wheel in an hour or less.
 
Check out our inventory to get a taste for the kind of whip you could own, thanks to your refund check.

Understanding Buy Here Pay Here Car Financing

Let’s talk straight about financing. At Quick Auto, we keep things clear and simple. When you visit one of our buy here pay here car lots in Indiana, you don’t have to talk to anyone else. We’re your lender, and we’re your car dealer. We can help almost anyone with a car loan. That’s why the signs on our buildings say we’re your credit connection!

Bring us your refund, copies of your most recent pay stubs, a government-issued photo ID, and a utility bill in your name sent to your address, and we’ll get you done.

Apply online for a car loan before you drop in, and you can get behind the wheel even faster.

Is Your Refund Enough For a Down Payment On a Buy Here Pay Here Car?

Especially if you claim your kids on your taxes, you’ll probably have enough money from your tax refund for a down payment and then some. We can’t estimate how much of a refund you’ll get, but if you have kids, we can tell you this: 

 

For the 2024 tax year (that you file in 2025), you could get the federal Child Tax Credit, which is up to $2,000 - two stacks! - per child. Your kids have to have a social security number, be claimed as a dependent on your tax return, and be under age 17 at the end of 2024. Talk to a tax preparer for more information or read rules for the credit on the IRS website.

For some cars in our online inventory, we list a down payment to qualify. If you see a vehicle you like on our website that doesn’t have a down payment listed with it, stop by your local Quick Auto, and we’ll help you figure it out.

Stop Playing and Come to Our Buy Here Pay Here Car Lots

Getting a new whip at Quick Auto is easy, and that’s why people have been coming to us for more than 20 years. It’s even easier to shop here when you bring your tax refund. Here’s why.

 

  1. You have things to do, so we’ll help you get a car fast.
     

  2. Looking for chrome and luxury features? Stop playing and come to Quick Auto. You won’t find hoopties here.
     

  3. We have car options for your budget. We know you want the best ride, and we’ll help you find one that works for you.
     

  4. You’ll get a limited protection plan on the car you buy for the first year and a half, so you don’t have to worry that your car has to go to the shop right away.
     

  5. Your friends and neighbors recommend us. See what people just like you say about getting a buy here pay here car at Quick Auto:

 

“Easy to work with. Just made it all simple.” - Javaris
 

“Kim was very patient with me, our process was so simple. She went over everything and got me a nice car for a low down payment.” - Tyashea
 

“Mr. Chad got me right!!!! Thank you to Quick Auto. I will be referring many people to you!” - Kai

 

“Only place that would accept me having troubled credit. Need a car go here you won’t regret.” - Jamayia

Buy Here Pay Here Near You? Quick Auto Is In Your ‘Hood

You don’t have to go far to use your refund to buy a car. We’re your credit connection in:

 

  • Hammond: 6805 Calumet Ave.

  • South Bend: 52018 IN-933

  • Highland: 9237 Indianapolis Blvd.

  • Elkhart: 710 N. Nappanee St.

  • La Porte: 1700 E. Lincolnway

  • Mishawaka: 2711 Lincolnway W

  • Portage: 402 US-6, Valparaiso

 

 

9 Most Affordable Used Cars In Indiana

Find These Models At Our 7 Used Car Dealerships

When you’re shopping for a car, you have a big decision to make, especially if you want a ride that makes you look and feel your best.

But even affordable cars can stun and turn heads.

After 35 years and thousands of happy customers at our used car dealerships near you, we recommend these nine models for their affordability and reliability.

Popular Affordable Sedans At Our Used Car Dealerships In Indiana

Let’s start with the Chevrolet Cruze, a used car that breaks the stereotype that affordable means basic. The Cruze delivers sophisticated engineering in an economical package.

Beyond its impressive 38 miles per gallon highway fuel economy, you’ll find thoughtful touches throughout, like acoustic-laminated glass that keeps road noise where it belongs: outside your car.

The back seat easily accommodates child seats or adult passengers, and the trunk swallows groceries, luggage, or sports equipment with room to spare.

The Ford Focus brings European-inspired handling to the affordable car segment. Many buyers don’t realize that Ford developed the Focus globally, incorporating driving dynamics from their European division.

This translates to a used car that feels alive in your hands, responding precisely to steering inputs while maintaining comfort for daily driving. The Focus proves that practicality and driving enjoyment aren’t mutually exclusive.

When it comes to the Ford Fusion, size doesn’t have to mean sacrifice. This mid-size sedan delivers full-size comfort with mid-size efficiency. The cabin offers genuine ergonomic excellence. Controls fall naturally to hand, seats provide long-distance comfort, and visibility excels in all directions.

Pre-owned Fusion models, gems of used car dealerships, often include features you’d expect in luxury cars, like adaptive cruise control and blind-spot monitoring.

Compact SUVs at Your Local Used Car Dealership

The Chevrolet Equinox stands ready to tackle family duty without breaking the bank. This right-sized SUV offers clever storage solutions throughout its cabin.

The sliding rear seat lets you prioritize either passenger space or cargo room. Under the hood, you’ll find efficient engine options that deliver power when needed while sipping fuel during highway cruising.

Looking at the Jeep Compass reveals why this used car model remains so popular. It brings authentic Jeep capability to an accessible price point.

The Compass handles well on city streets while maintaining true off-road ability. That’s a rare combination. Newer models come with modern technology, like Apple CarPlay and Android Auto, so they have the hands-free convenience you’re looking for.

Hidden Gems at Our Used Car Dealerships In Indiana

The Chevrolet Sonic deserves even more recognition than it gets. This compact car packs surprising space efficiency into its small size. The rear seats fold flat, creating a cargo area that rivals some compact SUVs. The available turbocharged engine accelerates quickly while maintaining excellent fuel economy.

Consider the Dodge Journey if you need three-row flexibility without the full-size SUV footprint or fuel bills. This often-overlooked model offers clever features like built-in booster seats and hidden storage compartments under the floor - both are perfect if you have kids. The Journey’s blend of utility and value makes it worth serious consideration for growing families.

The Buick Encore brings unexpected sophistication to the small SUV segment. Its refined suspension soaks up road imperfections while maintaining composure through corners. The cabin’s acoustic insulation and active noise cancellation create a serene environment that makes every drive more pleasant.

The elevated seating position and large windows provide excellent visibility in urban environments, so everyone can see you when you drive by in your luxury ride.

Don’t overlook the Jeep Patriot when visiting the best used car dealership near you. This compact SUV combines traditional Jeep ruggedness with modern amenities. The squared-off design maximizes interior space while making parking maneuvers simple. Available all-wheel drive provides sure-footed handling in all weather conditions.

Shop For Good-Looking Used Cars At Quick Auto

If driving a hot-looking car isn’t your only goal when shopping for a new ride, then you might want to learn about our unique approach to operating our used car dealership.

Not only are we the credit connection for those who may not qualify for traditional car loans, but we’re also all about giving you peace of mind. Each used car we sell undergoes a thorough inspection before we list it for sale. Then, we give you a free 18-month protection plan, so you can feel confident in your purchase.

At our seven Quick Auto locations in Indiana, we create a stress-free buying experience tailored to your needs.

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