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Buy Here Pay Here Car Lots In St Louis



If you have past credit problems that seem to haunt you or you are driving an old junker, you may be able to afford a newer, more reliable vehicle. Even if you have filed for bankruptcy in the past and you are worried it will keep you from the loan that you need, all you have to do is take advantage of buy here, pay here financing!




buy here pay here car lots in st louis


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If you have been dealing with poor credit history, these banks and credit unions might not want to take the chance in financing you. 5 Star Auto Plaza Buy Here, Pay Here cuts out the middle man and you can enjoy financing through us here at the dealership. This is one-stop shopping at its finest.


At 5 Star Auto Plaza, we always strive to offer quality vehicles for good people. We are here to help you get a newer, affordable, high-quality used car so that you can drive away happy and also rebuild your credit. Whether you are looking for a car, SUV, or a truck, you are covered, and you have the chance to enjoy these great benefits:


InstaCredit Automart is honored to serve Illinois and Missouri motorists with quality pre-owned vehicles backed by trouble-free auto financing. Our premier buy here pay here auto finance center and dealership boasts three locations to serve you. Car buyers from throughout the greater St. Louis, MO, area and beyond are never far from visiting one of our used car sales and finance showrooms!


Select our Collinsville, IL; Arnold, MO; or O'Fallon, MO, location, and don't forget to get approved for an auto loan online before your visit. Our team looks forward to assisting you with your upcoming used car, truck or SUV purchase here at one of our buy here pay here auto showrooms!


If you need a car but have poor credit, buy here, pay here dealerships may seem like a good idea. Unlike most car dealers, buy here, pay here car lots finance your car directly rather than through a bank or credit union.


High APRs. Buy here, pay here car lots routinely charge high interest rates, up to the maximum allowed in the state or even higher if the buyer agrees. For example, the legal rate of interest in New York state is 16% for loans under $25,000, but dealers are also allowed to charge a Credit Service Charge at whatever rate the buyer and seller agree upon. The higher interest rate can make it more difficult to keep up with the payments.


May not help your credit. Not every buy here, pay here dealer reports your payment history to the three major credit bureaus. Ask your salesperson if they report payments and to which agencies. Otherwise, you may lose the opportunity to improve your credit score.


Before you settle for a buy here, pay here car loan, consider exploring other options. One alternative is a bad credit car loan, a conventional auto loan with higher interest rates for borrowers that have lower credit scores.


In-house financing. Some franchised dealerships also have their own lending companies. Shopping for in-house financing at a dealership rather than going to a buy here, pay here lot could mean that you have access to a wider variety of cars and more lending options.


There are hundreds of used car dealerships in Missouri, but the problem that comes with this type of selection is knowing which used car dealerships are the best to buy from. Used car salespeople are maligned in popular American opinion, and a large portion of this is due to misinformation and word of mouth. Commissions, something that almost all salespeople in all industries make, seem to be the root of the mistrust. According to a recent poll among American car buyers, they believe that most car salespeople make a 20% profit on the sale of each car. Because of that, many car buyers think that they have overpaid on a past car purchase and that has impacted their future car purchases.


Auto Bank of Kansas City is a buy here pay here lot, which means that we offer vehicle selections for a variety of people regardless of their credit history. However, our cars are not just for those with credit issues. Our used car lot is one of the most diverse and quality lots in Missouri, and we sell to people from similarly different backgrounds.


We understand that it is hard to put your trust into companies when there is so much at stake financially. However, we have taken steps to assure you that we are the best buy here pay here lot in the area to work with. Here are some of the reasons why we stand out from our competition.


We automatically include a 24-month/24,000-mile major component warranty with every vehicle we finance. And more importantly, Charge-A-Car stands behind their warranty. We believe honesty and integrity are the only way to do business. We currently serve the cities of Springfield, Aurora, Mount Vernon, Cassville, Republic, Nixa, Monett and many others in the area. We look forward to serving our current and future customers. We believe we offer the best buy here pay here program. We encourage everyone to call us at 417-440-4403 or come by and see us at 3002 S. Elliott Ave, Aurora, MO 65605. We are conveniently located on the corner of Highway 60 and Highway 39, right in front of Wal Mart. We are excited to show everyone the Charge-A-Car difference.


Our friendly and knowledgeable sales staff is here to help you find the car you deserve, priced to fit your budget. Shop our virtual showroom of used cars, trucks and suv's online then stop by for a test drive.


No matter what it is you are looking for, First Auto Credit of Jackson, MO has it in store! We have everything your imagination can think of, such as used cars, used boats, trailers and even off-road fun! We are located in Jackson, MO serving Southeast Missouri near Cape Girardeau. We are continuing to strive and be the best buy here pay here dealer as well. Feel free to browse our current inventory and if you have any questions about any of our used cars, used boats, trucks, SUVs, RVs, trailers, tractors, motorcycles and much more, then do not hesitate to let us know! Call us at 573-204-7777 for details or email us at sales@firstautocredit.com to contact us today!


If finding a bad credit car loan in St. Charles has been wearing you down, it might be time to change your tactics. We can help you look for a buy here pay here (BHPH) car lot in St. Charles that doesn't need you to jump through all the hoops of regular financing. At these dealers, all you need to get qualified for a car loan is a steady income.


The dealers are the lenders at buy and pay here lots, which is why it's also known as in-house financing. Because they don't need outside sources to get you financed, these dealers often don't check your credit. This can be a blessing if your credit is at the bottom of the barrel, but it can be a curse as well, because dealers that don't check credit aren't as likely to report to the credit bureaus. Without your payments being reported to the national credit bureaus, your car loan won't help you improve your credit score.


Yes. A common misconception is that buy here, pay here dealers sell bad cars. On the contrary, because you make payments to us we are extra invested in making sure you drive off in a dependable vehicle. That is why we certify all our vehicles and offer a nice warranty. Other dealerships that sell your loan off to a bank have far less of an investment if your car breaks down or if your payments are out of your budget.


As the old adage goes, true wisdom comes from knowing what you do not know; nowhere is this more important than in the legal community where the sheer breadth of the law makes specialization a necessity. Consumer advocacy work, particularly in the fields of automotive fraud and car scams, is one such niche that requires specialized expertise that falls outside the general purview of most Missouri attorneys but is critically important to many clients. Knowing the ins and outs of auto dealer fraud laws in Missouri is essential for lawyers who seek to offer a full-service practice to their clients.


The most important way an attorney can service clients with automotive fraud concerns is informing them how best to protect themselves from such troubles in the first place. There are a number of simple measures consumers can employ to insulate themselves from potential auto dealer fraud issues. The following are some of the best tips an attorney can give to his clients before they go to an auto dealer to purchase a new car.


1.What can I do with a Missouri Auto Dealers License?2.Do I need a Missouri Auto Dealer License to get into Dealer Only Car Auctions?3.Can I use my Missouri Auto Dealers License to buy vehicles at dealer only auctions, then resell them on Ebay or Craigslist.org?4.How much money can I make with a MO Auto Dealer License?5.Will I be allowed to sell vehicles overseas with my Missouri Auto Dealers License?6.Can I use my friends Missouri Auto Dealers License to get into an auction, have her buy a vehicle for me to sell?7.Can I buy a car from someone, ask them to sign the title, and leave the rest of the title blank?8.Do I have to attend a Dealer Educational Seminar before I get a Missouri Auto Dealer License?9.What is a Dealer Surety Bond, how much are they, and where can I get one?10.What type of dealer insurance do I need for my Missouri Auto Dealers License, what does it cost, and where can I get a quote?11.Once I obtain my Missouri Auto Dealers License, where can I find Missouri Dealer License forms?12.I have a commercial location in mind for my dealership, what next?13.Can I have a friend or business partner attend the seminar with me?14.What is a Dealer Floor Plan?15.What is Sub-Prime Financing?16.What is a Buy Here Pay Here Car Dealership?17.Can I get my dealer license the same day as the class?18.Do I have to sell a certain number of vehicles to keep my dealer's license?19.Do I have to live in Missouri to obtain a Missouri Auto Dealers license?20.After I get my Missouri Auto Dealers License, can I sell cars on Sunday?21.How much will it cost to get my Missouri Auto Dealers License?22.Do I have to take any kind of test at my Missouri Dealer Seminar?23.I have other questions about obtaining a Missouri Auto Dealer License, what should I do?What can I do with a Missouri Auto Dealers License? Your Missouri Auto Dealers License will allow you to enter almost every dealer only vehicle auction throughout the United States and Canada and buy vehicles at wholesale prices. Once you obtain your Missouri Auto Dealers License, your local auto auction should be able to issue you an Auction ID Access card. After you are licensed, you can also obtain this card by going directly to theAuction Access website. You will be able to use this card to get into most dealer only auctions in every state. You can purchase vehicles at these auto auctions and sell them on your lot. Your dealer's license will also allow you to purchase vehicles without titling them. When you sell a car, you will be able to sign the title over to the new owner. You can bid on cars online throughout the country through auto auctions that have online bidding capability. You can also gain access to many insurance and salvage auctions that are only open to licensed dealers. A dealers license can give you an unlimited earning potential.Back to TopDo I need a Missouri Auto Dealers License to get into Dealer Only Car Auctions? Yes. You must obtain a Missouri Auto Dealers License before you are allowed access toDealer Only Car Auctions. Once you obtain a MO Auto Dealer License, you can enter every Dealer Only Car Auction in Missouri, every Dealer Only Car Auction throughout the United States, and many Dealer Only Car Auctions in other countries. Back to TopCan I buy vehicles at Dealer Only Car Auctions, then resell them on Ebay or Craigslist.org?Absolutely. Once you obtain your Missouri Auto Dealers License, you can buy vehicles atDealer Auctions, then sell to individuals or dealers all over the country. You can even sell your vehicles to individuals or dealers in other countries. Its totally legal with your Missouri Auto Dealer License. Having a MO Auto Dealers License offers you great selling opportunities.Back to TopHow much money can I make with a Missouri Auto Dealers License?That's an excellent question. Many people with a Auto Dealer License choose to sell only a few vehicles per year, which can still be quite profitable. Other dealers choose to "Go For It" and sell hundreds of vehicles per month. A MO Auto Dealers License will allow you sell one car a month or five hundred cars a month. As a licensed Missouri Auto Dealer, your earning potential is truly unlimited.Back to TopWill I be allowed to sell vehicles to people in other countries with a Missouri Auto Dealers License?Yes. You can use your Dealers License to sell vehicles to individuals or dealers in any country in the world. Exporting vehicles is another profitable avenue of revenue for anyone that has a dealers license. Countries all over the world are experiencing a huge lack of vehicle inventories and exporting cars overseas has become an extremely profitable dealer niche. The first thing to do is to contact a reputable transportation company that has extensive experience exporting vehicles to other countries. You may also want to develop a business relationship with a single car dealer or distributor in another country which would allow you to export a large number of vehicles with only one business contact. Many countries in Europe, South America, Africa, and Asia are suffering from a substantial lack of vehicle inventories leading to much higher profits per vehicle. An aggressive entrepreneur with a Missouri Auto Dealers License can utilize this growing overseas opportunity for incredible financial rewards.Back to TopCan I use my friend's Missouri Auto Dealers License to get into an auction, have her buy a vehicle for me, then sell it for a profit? No. A person must have there own dealers license in order to purchase a vehicle from aDealer Auction then sell it for a profit. Any person without a MO Auto Dealer License that purchases a vehicle at dealer only auction, then sells it without tax, tilting, and licensing that vehicle, is operating as an illegal dealer. If you operate as an illegal dealer in Missouri you can be charged with a Class D Felony and the person that allowed you to operate illegally under their license will have their dealers license permanently revoked. You can never, ever operate under another person's Missouri Auto Dealers License.Back to TopCan I buy a car from someone, ask them to sign the seller's signature box on the title, and leave the rest of the title blank so I can resell it? Never. This is called an "Open" title. It is also called a "Blank" or "Skipped" title. Leaving a portion of the title blank allows an illegal dealer to resell a vehicle without paying taxes or "Skipping" the taxes on that vehicle. Possession of a blank, open, or skipped title is against the law in all fifty states and is now a felony in most states. When you obtain your Missouri Auto Dealers License, you will be able to purchase a vehicle, fill out the back of the title completely, then use your Dealer Number to assign the ownership of the vehicle to the next buyer legally. Never, ever possess an incomplete title and never purchase a vehicle from someone with a blank title, they are acting as an illegal dealer. With your Missouri Auto Dealers License, assigning a title is completely legal. Find out more about getting yourMissouri Auto Dealers License.Back to TopDo I have to attend a Dealer Educational Seminar before I get a Missouri Auto Dealer License? Yes,Missouri Senate Bill 747 requires all Missouri Automobile Dealers License applicants applying for a dealers license for the first time to attend the training course. Missouri Dealer Seminars is a state approved Dealer Educational Seminar Provider. Back to TopWhat is a Dealer Surety Bond, how much are they, and where can I get one?You must provide an original surety bond, or irrevocable letter of credit, in the amount of $50,000 before obtaining a Missouri Auto Dealers License. These legal documents can satisfy any legal claims against your dealership by unsatisfied customers. Don't worry, if you operate your business with complete integrity, honesty, and the highest ethical standards, you will probably never have claims against your Missouri Dealer Surety Bond or Irrevocable Letter of Credit. To obtain an Irrevocable Letter of Credit, you will need to contact your banker. Some banks require $50,000 worth of assets before issuing a letter of credit. Most dealers in Missouri choose a Dealer Surety Bond. An insurance agent or bonding company will be able to provide you with an original surety bond. The price for your Dealer Surety Bond depends on your credit score. If you have good credit, the price for your bond should be around $400.00. If you have bad credit, the cost of obtaining your bond could be much higher. To obtain a Missouri Dealer Surety bond, please call 816-390-2267. Or learn more about Missouri Dealer Surety Bonds on our Dealer Surety Bond Page here.Back to TopWhat type of dealer insurance do I need, what does it cost, and where can I get a quote?In order to obtain a MO Auto Dealer License you will need aDealer Insurance Garage Policy. YourDealer Insurance needs to be in effect before you are granted a Missouri Dealers License.Dealer Garage Insurance is a very specialized insurance that is only sold by a few companies nationwide. ADealer Garage Insurance Policy will cover your vehicles when they being driven for demonstration purposes by your customers. It will also cover you while you are driving vehicles back and forth to auctions. Most Dealer Garage Insurance Policies cover you if a customer is injured on you lot.Dealer insurance can be very expensive and newly licensed dealers normally pay the highest rates. A liability policy can start at around $150.00 per month depending on your location and the number of Dealer Plates that you possess. Full comprehensive, collision, theft, hail damage, and errors & omissions Dealer Garage Insurance Policies can cost much more. Just remember, the longer you hold a Missouri Dealer License, your dealer insurance rates should go down. You may obtain yourMissouri Dealer Garage Policy, by clicking here.Back to TopOnce I obtain my Missouri Auto Dealer License, where can I find Missouri Dealer License forms? Keeping up on your paperwork will be a big part of the day to day operations of your car dealership. When you receive your Missouri Dealer License you will be required to keep copies of every single document that is used in the operation of your Missouri Car Dealership. The most important piece of office equipment you will need is a copy machine. Copies of all documents related to your business will need to be kept on file, ready to produce for the Missouri Department of Revenue at a moments notice. After you obtain your Missouri Auto Dealers License, you will also need bill of sale forms,Federal Trade Commission Buyers Guides, title riders, odometer disclosure statements, secure power of attorney documents, and many other dealer forms. You can find most of the forms you need on theMissouri Dealer Forms page.Back to TopI have a commercial location in mind for my dealership, what next? Call your local city or county zoning board to make sure you


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