What Is No Credit Financing?

And What Sets Quick Auto Apart From Other Used Car Dealerships

At Quick Auto, we believe you deserve to have reliable transportation, regardless of credit mistakes in your past.

Our friendly staff and no-credit financing help you get the used car, truck, or SUV you deserve in 60 minutes or less.

We have 7 buy-here-pay-here dealerships that serve Indiana, Michigan, and Illinois. Apply for auto financing at one of our buy here pay here dealerships near you.

The Advantages of Buy Here Pay Here Dealerships

Skip the traditional used car dealership near you, and come to Quick Auto instead.

Purchase a Reliable Car With Low or No Credit
Our in-house buy here pay here financing considers your monthly income, not your credit score.

An Easy Way to Rebuild and Repair Your Credit
In-house lending ensures your on-time payments are recorded on your credit history report. Grow your credit with Quick Auto!

Used Cars to Suit Every Budget
We keep a large inventory of used vehicles at prices that fit any budget. You can afford to buy a vehicle from our used car dealerships in Indiana.

A Protection Plan That Makes a Difference
Our free 18-month limited protection plan covers all the important parts of your used vehicle, giving you peace-of-mind on the road. Learn more about our protection plan.

Auto Financing FAQs

  • How do buy here pay here dealerships work?
    Buy-here-pay-here car dealerships are similar to other used car dealerships. The biggest difference is the financing (car loan). To get a car loan, many people apply for financing at a bank, credit union, or other auto lender. People who apply for auto loans from these institutions typically have to meet certain income and credit score requirements to get approved. Some people aren’t able to meet the credit requirements for these loans due to past events that have hurt their credit. There are some people who have no credit at all.

    Reputable buy here pay here car dealerships help people who don’t qualify for a car loan from a bank or similar auto lender. When you buy a vehicle from a buy-here-pay-here dealership, the dealership also provides the financing. This is different from getting financed at a traditional car dealership. When you get an auto loan at a traditional dealership, the dealer “shops'' your loan application to several financial institutions. Your car loan will be held by the institution, not the dealership.

    When you finance a vehicle at a buy here pay here dealership, the dealership acts as the bank and provides you with the car loan directly. This means you make loan payments to the dealership. Many people find it easier and more convenient to make payments to the same place they bought their car. Other benefits of getting financed at a buy here pay here dealer can include flexible payment options, lower down payments, easy application and approval process, and no credit requirements. You may hear this type of financing referred to as bad credit financing, no credit or no-credit financing, buy here pay here financing, in-house financing, or on the lot financing.

  • What does financing a car mean?
    When you apply for a car loan, you’re requesting that a lender gives you money to purchase a vehicle with the promise that you’ll pay back the loan, plus interest.

    At traditional dealerships, lenders are not willing to give you a loan if you have low or no credit. However, at our family of buy here pay here dealerships in Indiana, your credit doesn’t matter to us. Instead, we consider your ability to repay the loan based on your monthly income.

  • Why should I finance vs. lease a car?
    Car leases through traditional dealerships put limitations on how much you can drive the vehicle you’re paying for, and at the end of your lease when you return the vehicle to the dealer, you have nothing to show for all the money you spent. When you finance through Quick Auto, the money you pay is put toward the vehicle’s price. When you’re finished making payments, the car is yours.

  • What do I need to bring to get a buy here pay here car loan?
    To get buy here pay here financing from Quick Auto, all you need is a valid driver’s license or state issued ID, your most recent pay stub, and a bill. The bill must be addressed to you and be no more than 30 days old. Contact our used car dealership near you to learn more.

  • Can I have a cosigner?
    Yes! If you are unsure that you’ll qualify for a loan by yourself, Quick Auto accepts cosigners on our buy here pay here car loans.

  • Where do I send my payments?
    Make your weekly payments at the dealership where you purchased your vehicle, or using our online portal.

Life is easier with reliable transportation.
Shop at our buy here pay here dealership today.

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