If you have bad credit or no credit, buying a car might seem out of reach. But buy here pay here dealerships may be the solution for you.
With a rough credit history, you may be left with few options if you need to buy a car. Traditional financing may not be the best option for you, and you may not be able to get it without first establishing or improving your credit—which can take time that you don’t have.
That’s why buy here pay here dealers like J.D. Byrider in Charlotte, North Carolina, may be the right choice for you.
Buy Here Pay Here Dealerships Put You Behind the Wheel in Charlotte
So, what is a buy here pay here dealer? It’s a car dealership where you both buy your vehicle and finance it. Since the financing process is done at the dealer, it is more readily available for buyers with bad credit (or even no credit). We want to do our best to give you the opportunity to buy a great car and build your credit.
Getting approved at a buy here pay here dealership can be an easier and less stressful process than trying to get approved for traditional financing. Since the dealer doesn’t have to go through a third-party bank or financial institution, the requirements for loan qualification are not as steep, the payment plans are more flexible and you can usually make payments onsite.
Simply put, buy here pay here dealers offer a solution for car buyers who have been unable to qualify for traditional financing.
J.D. Byrider in Charlotte, North Carolina, provides our customers with the opportunity to get behind the wheel of the car they want.
8 Ways J.D. Byrider is Better than a Typical Buy Here Pay Here
- We provide an easy on-site credit approval process
- Payments as low as $150 every two weeks**
- 92-point quality inspection***
- Serviced, computer-tested and reconditioned cars
- Clean-title verified
- Our vehicles come with an optional 36-Month Unlimited Service Agreement
- Low-cost service and repairs—often the lowest in town
- Will help put you in a position to improve your credit score
Selection of Affordable, Quality Vehicles
While one of our goals is to get you financed, it’s also important to us that you drive away in a quality car that you’ll enjoy driving.
We always have a steady flow of inventory in our lots, so you can be sure there will be a vehicle you love that will also suit your practical needs.
And, unlike other buy here pay here lots, we’re serious about holding our vehicles to the highest standards—even to the point of offering an optional 36-month unlimited service agreement with each one. Not only that, but each of our vehicles is inspected thoroughly and taken on a 20-minute test drive to ensure that it’s running like a top before you drive it away from our lot.
Quick and Simple Financing
If you’ve ever purchased a car (or heard stories from someone who has), you probably know that the financing process can be long and tedious. We recognized this problem and decided to do our best to make our customers’ road to financing as smooth as possible. That’s our business!
We’re used to working with customers who might have poor credit or no credit. So, you can walk in to J.D. Byrider in Charlotte, North Carolina, and feel at ease knowing you’ll have a positive experience. We want to get you in the car you want without busting your budget or your patience.
It’s true that sometimes you’ll have to pay higher interest on loans from buy here pay here dealerships. Even so, that may be a small price to pay for the opportunity to get financed and ultimately improve your credit standing.
But if you’re still uneasy with the higher interest rate, you may be able to refinance your loan after building up some positive payment history. As you make on-time payments on your loan, your credit score will improve and you may qualify for better terms on your loan.
If you come prepared with all the required documents, we will take it from there and work with you to get you through the financing process as quickly and smoothly as possible.
Here’s what to bring:
- Your valid driver’s license
- Your most recent pay stub
- Your most recent utility bill to establish proof of residence
- Down payment
- Contact information and addresses of references
- Trade title, if you have a trade-in
On the Road to Credit Recovery
Bad credit can be a vicious cycle, and it’s tough to get yourself back on track. On one hand, the path to improving your credit comes in the form of acquiring new credit so that you can demonstrate positive payment history; on the other hand, your bad credit keeps you from getting new loans that will allow you to even have a payment history.
A car loan can be just the type of loan that has the potential to improve your credit standing (though it’s no small commitment), and at J.D. Byrider we want to help you with this opportunity to acquire a loan and make timely payments on it. When you do, you’ll be showing the credit bureaus that you’re able to manage debt responsibly.
And, for you, that potentially means a better credit score and more opportunities to obtain new lines of credit.
And if you don’t have a car, it can lead to more difficulties with things like holding down a job, running errands, or even going to the grocery store to feed your family.
Honest and Quality Service
Our reputation means a lot to us—and in the car business, it’s essential. We want our customers to be happy, refer our cars to their friends and family, and even come back to buy another car themselves.
Not only do we offer a warranty on all our cars, but we also make owning a vehicle less expensive for you by offering lower hourly service rates. We’ve partnered with suppliers like AutoZone, and because our service garages service only J.D. Byrider customers, we can offer enormous savings to you if you choose to buy your car from us.
In fact, all our vehicles undergo an extensive 92-point inspection*** before they hit the lot. Some of the things we check include:
- Engine mounts, oil and filter, leaks and the intake manifold
- Seat belts, spare tire, airbag warning lights, and the interior and exterior mirrors
- Heating and A/C systems, along with the control knobs and switches
- Frame, underbody, and the hood, trunk and gas releases
- Electrical system, including headlights and taillights and the turn signals
- Transmission, suspension, steering, fuel and braking systems
When you buy a car from J.D. Byrider, you don’t have to worry about whether the title is clean. We verify all our cars’ titles with Carfax, Autocheck or other reputable sources, and we don’t sell cars with salvaged, restored or rebuilt titles.
Easy and Convenient Payment Options
In today’s world, convenience is key. That’s why we provide a range of ways for you to make your affordable monthly payments, including:
- By phone
- By text
- Western Union
- Automatic withdrawal
- Mobile app
And while all of these are great options, we recommend setting up automatic withdrawals for your payments. That way, you’ll stay current on your payments without even thinking about it! And with each on-time payment you make, your credit score will gradually increase. It doesn’t get much more convenient than that!
After you’ve purchased your new vehicle from J.D. Byrider here in Charlotte, North Carolina, we make sure you’re aware of these last details before you go:
- All our vehicles receive a fresh oil change and a new filter.
- We replace any excessively worn tires.
- We always conduct the factory-recommended service based on the vehicle’s miles; that way, you can drive confident that you’re fit for the road until the next time your car needs servicing.
- You can bring your vehicle back to get repairs done at an affordable price.
- All oil changes will be around $10 to help you stay on top of your maintenance and within your budget.
The J.D. Byrider Difference
Here at J.D. Byrider we care about our customers. Unlike other buy here pay here dealers, who may stock vehicles with unexpected titles or not offer any sort of extended service agreement or limited warranty, we think our customers deserve the peace of mind that comes with knowing that your car is in great working condition and less likely to cost you down the road with expensive repairs.
We also want to make sure our customers are making the right decision for their own financial wellbeing. Other buy here pay here lots may have higher approval rates or lower down payments; but their cars may not be inspected or backed like those at J.D. Byrider, and they may not care if their customers can make their payments on time.
At J.D. Byrider, we want to help you get into a good car and a better credit situation, and we put in the time, effort, and resources to make that happen.
What do our customers say?
We’ve been in the buy here pay here business for more than 25 years, and our reputation is important to us. That’s why we have a page just for our customers to tell us (and you!) what they thought of their J.D. Byrider experience. You can visit this page and see what other people like you have had to say about us at JD-Byrider-Reviews.com.
Are You Ready to Drive?
If you’re ready to start your engine and improve your credit while driving a car you love, J.D. Byrider in Charlotte, North Carolina, should be the next pit stop on your way to the finish line.