When you buy a car at nearly any auto dealership around South Point, Huntington, Ashland, and Portsmouth, OH, you can count on friendly sales agents answering your questions and taking you on test drives to help you find your best car. When you're ready to finance your purchase, the differences appear between traditional and Buy Here dealerships.
Benefits of Buy Here Pay Here Dealerships
Buying from a Traditional Dealership
After you’ve spent all that time choosing the car of your dreams, you then have to go to your bank or credit union to arrange for an auto loan. Those financial institutions have no interest in you owning a car – they only want to maximize the money that they can squeeze from you. They’ll have you fill out reams of paperwork, and after holding on to what you’ve entered for several days, they may reject you, especially if you’re a first-time buyer or have poor credit.
You then either have to go through the entire process again with someone else or settle for a lower-priced vehicle that meets the bank’s standards.
The Glockner Buy Here Pay Here Advantage
All of the Glockner facilities consist of Buy Here Finance Here car dealerships that make buying an auto easy and convenient. Everything from browsing for the right drive, selecting your best vehicle, trading in your old one, and getting scheduled maintenance and repair happens in one place. You won’t have to waste gas driving to different financial institutions to beg for an auto loan.
FAQs
If you pay the correct amounts at or before they’re done, Buy Here Pay Here financing can help improve your credit. In the future, you then appear financially safer to lenders and may find it easier to get financing at better rates.
A Buy Here Pay Here dealership is a place where the aspect of car ownership happens in one location. You can browse our Glockner auto credit inventory, test drive, pick your vehicle, and get it serviced like a traditional car dealership.
Just like any other financial institution, we verify your income and residence and also check your credit history. We then decide on the loan amount that you qualify for, so you can browse vehicles that fall within your price range. After you take home your purchase, you pay your monthly installments directly to us - you only have to deal with one company.
Benefits of Buy-Here Pay-Here Dealerships
Here's what could happen if you take the traditional vehicle financing route. You go to a dealer and pick up the car of your dreams, go to your bank or credit union for a loan, and fill out mountains of paperwork, only to get rejected a few days later.
If your credit isn't up-to-snuff when wanting to buy a car, don't let the banks tell you what to do. Check out the Buy-Here Pay-Here Glockner Family of Dealerships, and we'll get you a new set of wheels.
Buy Here Pay Here financing rewards you with many benefits:
- We look at your ability to pay rather than your money history, so having no or poor credit poses no problem to owning a car, and enjoying stellar credit rewards you with the best terms. You are more important to us as an individual rather than a collection of reports.
- Our main goal is to get you behind the wheel, so we’re far more flexible with terms than a bank or credit union can be. We can adjust the price, the value of your trade-in, the loan duration, the interest rate, the monthly payment amount, and other factors to ensure that you can afford the car of your dreams. We may be able to throw in an accessory or two for free to sweeten the pot.
- The financing options that you receive with Glockner auto credit are at least equal to, if not better than the banks or credit unions around town.
- We offer rates that are competitive to Ohio, Kentucky, and West Virginia, instead of saddling you with the state maximum Annual Percentage Rate (APR) of 25 percent, which some of our competitors use.
- Our loan process is easy. You can start by playing with our online Car Loan Calculator, which encourages you to fill out the price, down payment, APR, and number of months to estimate your monthly installment. Before you set foot on our lot, you can then find out how much you qualify for by filling out our online Auto Credit Application from the convenience of your home office or school.
- If you have any questions or need help with our website, you can contact us by phone or message us through the chat box on our website.
- Do you want to avoid coming to the dealership because you are busy or so you remain healthy and safe? You can look at vehicles, choose one to buy, and get a loan without ever leaving your house. We’ll deliver your chosen car right to your front door along with any paperwork that you must physically sign.
How We Make Your Loan Easy
We make your loan application easy because our ultimate goal is 100% credit approval. We recommend that you get pre-approved before you shop.
Check out our online Car Loan Calculator. Just fill out the price, down payment, APR, and term in months, and you can estimate your monthly amount. By adjusting any numbers you put in, you can modify your monthly installments with your budget. For example, if the payment is too high, you can lower it by increasing the down payment or lengthening the loan term.
Once you've figured out your payment, you can apply for a loan; fill out our online Auto Credit Application. If you have questions about the application, contact us by phone or the chat box on our website.
Lastly, because you know what you can afford, you have an advantage when shopping for a vehicle. You can narrow your search to only those cars within your price range!
Want to get started on your car ownership journey at the Glockner family of dealerships? Then contact us today.
Visit Any of our Buy Here Pay Here Locations
Glockner Auto Credit of Chillicothe, OH
1987 Western Ave, Chillicothe, OH 45601
Glockner Auto Credit of Portsmouth, OH
920 Washington St, Portsmouth, OH 45662
Glockner Auto Credit of South Point, OH
41 Township Rd #1505, South Point, OH 45680