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Why Buy a Used Car?

By admin | Posted in Uncategorized on Sunday, September 8th, 2019 at 11:32 PM

Did you know the average new car costs nearly $36,000? That’s a hefty price tag, and you can still get a great car from buy here pay here used car lots that can sell you a great car at a great price.

A used car is a worthy investment: after all, the new car you are thinking of buying is losing value as soon as it gets new miles put on it, so you should consider buying a used car from a used car dealership. Why buy new when you can buy used? This guide will tell you why.

You Lose Less on Depreciation

All cars depreciate with time, so it’s best to get a used car over a new one in general if you want to preserve your investment. The best way to buy a car, ideally, is to get a used car at a cheaper price, so you want to look at many pre owned cars in your price range before you make a final decision. Compare the year, make and model, and mileage of the cars you are looking at in addition to price to help you get the most value for your ride as it loses value.

You Have More to Choose From

As mentioned above, a new car costs a lot of money. If you don’t have a super large budget, then you are limited in the types of cars you can get if you are only looking at newer models. However, if you decide to buy a used truck or even are considering used cars for your next car purchase, you will see that you have many more options to choose from, particularly if you choose a dealership that has lots of vehicles in many price points in their inventory.

When you think about buy here pay here used car lots, you do what you can to make sure you have a great option to help you buy a used car. A pre owned car is a great vehicle you can use to go to and from work or school or even use as a first car for one of your kids. Choose a great car dealership for your purchase today.

Signs That It’s Time To Get Yourself Your Own Car

By admin | Posted in Uncategorized on Friday, August 30th, 2019 at 2:25 PM

If you’ve been without a car for a year or longer, you probably understand the difficulties of navigating the world without one. Getting to work is a hassle. The bus is always crowded. Maybe you’re tired of the costly Uber fares racking up and overwhelming your credit card bill every month.

Yes, the circumstances are different for everyone. Some individuals may not even want or need a car.

However if you’ve been on the fence about making this momentous purchase, it may be time to make the leap.

There are a few telltale signs that it’s time to get your own car. Continue reading to learn if you need to start saving up some money to put down on your first vehicle and how a buy here pay here lot can make the process easier.

You’re always late

If you find that you’re always late to everything—meetups with friends, lunches, work or school—take this as the first sign that it may be time to start saving for your own car. Having your own car will dimish that anxiety surrounding missing appointments or missing out on certain opportunities just because the bus was running late.

Your plans get cancelled

If you’re sharing a car with someone else, odds are you’ve had to cancel your own plans at the last second because your parent, roommate or significant other is driving it.

You’re spending more money on transportation than you thought possible

Getting around—especially around major cities—can get quite expensive. Ordering Ubers or using another rideshare app, though convenient for when you’re traveling, will drain your finances if you’re frequently ordering cars in your hometown.

You finally feel comfortable making the purchase

It can feel daunting spending money on a vehicle. You want to feel comfortable when making such an important purchase. If you’ve experienced the red flags above, however, don’t let the cost weigh you down. Relax and know you have options when it comes to buying a comfortable car with all the necessary features you need.

Your options: buy here pay here lots

If you’re fed up with taking the bus, canceling plans, or sharing a car, it may be time to put some money down on your own car. Secure an auto loan or visit a buy here pay here lot and find a perfect yet practical used car.

Buy here pay here dealerships lots work differently than traditional auto shops. The car buying process, in particular, is the most significant difference. Your dealer is trained to listen to your financial situation first, and then list your options. This process takes any stress and anxiety out of the picture, so you can drive off with something that will suit you and your budget.

Conclusion: Finding the perfect used vehicle

Navigating your town or city can get difficult without your own mode of transportation. If you’ve been on the fence about making this significant decision in your life, visiting a buy here pay here used car lot and learning about your options may be the push you need.

How to Be Sure You’re Getting the Right Deal on Your Next Used Car Purchase

By admin | Posted in Uncategorized on Thursday, August 29th, 2019 at 4:28 PM

When you are searching for a used vehicle, it can seem like the whole world is working against you. From challenges with obtaining a car loan to the task of finding a vehicle under 10,000 dollars, there is no shortage of potential complications and unexpected difficulties. But it helps to know that you are not alone. Many people share similar struggles. Thankfully, by educating yourself on the subject and by finding the right dealership that specializes in pre-owned vehicles, you will be well on your way to finding the right used vehicle that brings you joy for many years to come. If you’re looking for used vehicles, but you’re not sure where to look or how to even get started, then follow our simple guide below. Let’s begin.

What should I look for in a used vehicle dealer?

When it comes to finding the right dealership, you should always be sure to check for all the necessary credentials that make a dealer legitimate. Access to things like a Carfax report is good to have, but it is not the only thing you should consider
A Carfax report doesn’t necessarily tell all. In fact, approximately 10 million crashes go unreported annually according to estimates from the National Highway Traffic Safety Administration. This means that they carry licenses to prove they are authorized and certified to sell used vehicles in their particular region or state. If this information is not easily obtained by asking the dealership, or if it is not clearly displayed inside the dealership, then it is likely that the dealership is not one that you want to be working with. In this case, it is probably wise to see what other options are out there for you. You should always work with dealers that have the necessary licenses, certificates, and verification to ensure professionalism in all aspects of their business.

Next up, it is smart to work with the help of a dealership that understands your unique financial situation. This is particularly important if you are someone who is credit challenged. If you have ever had difficulty establishing a strong credit score, or if finding a loan for a vehicle or anything else has presented a challenge for you in the past, then working with a dealership that offers a variety of payment plans is your best bet for financing a used vehicle. In this case, you may want to limit your search to buy here pay here lots. When you have poor credit, these types of car dealerships are willing to give you the financing options you need to drive a high quality used car off the lot. They are also willing to help you choose a car that meets your budget while also delivering quality, functionality, and style to meet your personality and your tastes.

How do I find a reliable used vehicle dealer?

When searching for the right dealer, it can be helpful to ask around for recommendations from trusted friends, family members, colleagues, peers, and community members. Often times if a dealership has an established record of satisfied customers, then that’s a good sign that they are honest and transparent with their deals. This can provide a strong framework for your criteria as you search for the right dealer. Using the internet to search for highly recommended dealerships in your area is also a fruitful method. Of course, if you have poor credit then you will also want to ensure that the dealership you choose is well aware of your credit situation so that they can be prepared to offer a few different financing options.

Looking for a dependable, knowledgeable used car dealership can be difficult. If you are in search for the right dealer, but you’re not having any luck, then get in touch with us today. With a wide range of stylish, high quality used vehicles and access to finance options for people with bad credit, we are sure to have something that meets your needs and your budget. Get in touch with us today so we can get started on finding the right used vehicle for you!

Beware Of These Common Mistakes When Buying A Used Car

By admin | Posted in Uncategorized on Saturday, July 27th, 2019 at 6:13 PM

Buying a used vehicle is a great way to save money without having to worry about depreciating the value of your vehicle. But it’s important to remember that buying a car, new or used is still a big investment that you don’t want to make on an impulse.

That said, there are some used car-buying mistakes that many people make when they’re out looking for their new vehicle. We’ve compiled some of the most common mistakes below to help you avoid making them yourself when you’re ready to invest in a pre owned car.

Foregoing a test drive in the vehicle

Just like how it’s vital to have a house inspected before you buy it, it’s important to take a vehicle for a test drive before you sign any paperwork. You need to test the asset you’re purchasing to reduce the risk of experiencing buyer’s remorse.

Test driving a used vehicle is what ensures the car you’re buying runs properly and that it’s the right style for you. For instance, if you’re not comfortable driving a stick shift, don’t assume you’ll grow more comfortable with it after you’ve bought the vehicle. Give it a test drive first before you make any big decisions.

Buying a vehicle based on looks alone

As mentioned above, it’s important that you’re considering how the vehicle runs and operates before you make any investment decision. You need to understand what your needs are before you go car shopping to avoid risking an impulse buy on looks alone.

If you’re looking for a car that’s great for commuting, avoid choosing a truck. And if you’re looking for a vehicle that’s capable of towing a trailer or moving big loads, don’t choose a compact vehicle or sports car.

Not setting up financing before you shop

When you’re buying used vehicles for sale from a car dealership or from a private owner, you need to have some type of financing set up. Financing gives you the chance to understand the limitations of your price range.

You have a better idea of what your budget is when you know how much you can actually spend on a used vehicle. This helps to make negotiating a price on the vehicle easier.

Looking for quality used vehicles for sale?

It’s no secret that used cars and used trucks are some of the best vehicle options for car buyers. In fact, just last year there were approximately 40 million used vehicles sold in the United States.

If you’re looking for used vehicles for sale in Indianapolis, Auto Sales and Service is the place for you. For more information about our Indianapolis car dealerships specials and our pre owned vehicles, contact Auto Sales and Service today.

3 Buy Here Pay Here Questions Answered

By admin | Posted in Uncategorized on Friday, July 26th, 2019 at 1:30 PM

Buying a used car can be a challenging, intimidating process for anyone, but never more than trying to find wheels when your credit isn’t where you would like it to be. But with used vehicle purchases on the rise for the past seven years, there are more options than ever for drivers with lower credit scores, such as buy here pay here dealers. If you’re looking for used vehicles for sale in Indianapolis but are unfamiliar with the in-house financing, read on to learn more.

What’s the Difference Between Buy Here Pay Here and Traditional Loans?

Where traditional auto loans are financed through third parties such as banks or credit unions, buy here pay here car loans are financed through the dealership. This allows you to cut out the middle man in terms of financing. Rather than making monthly payments to your lienholder, payments will be made on a weekly or biweekly schedule to the dealership. In terms of differences between tote the note dealerships and traditional dealerships, there is often very little, especially as more and more dealerships adapt to offer bad credit financing. These services are not typically advertised as “buy here pay here” or “tote the note,” but if you see language such as “we finance” on a dealer advertisement, that typically means that these services will be available to you.

What are the Advantages of Buy Here Pay Here?

Typically, buy here pay here car lots are more interested in a buyer’s ability to make the required payments than they are a credit score. Loans are provided with proof of income and a residential address, and a credit check is not performed. This poses an advantage to drivers who have been turned down for loans by other agencies, allowing people who are in the process of rebuilding their credit to get back on the road. Additionally, buy here pay here institutions are more willing to accept high-mileage or older-model trade-ins that other dealerships might not as part of a down payment. This is because these dealerships are more likely to be able to find a buyer for these vehicles, which makes them more likely to consider it. But taking this route to car ownership doesn’t mean that you have to sacrifice comfort, style, and reliability. Many buy here pay here used cars are late-model vehicles with good engines, traded in by people who are in similar credit situations. When looking for used vehicles for sale in Indianapolis, an area with a higher population density, you’re much more likely to be able to find an attractive car that’s well cared for.

What are the Disadvantages of Buy Here Pay Here?

If you’re looking to rebuild your credit, a buy here pay here car loan might not be the way to go. Many of these dealerships don’t report to the three major credit unions, which means that unless you’re taking out another loan, you’re unlikely to build your credit over time. If you’re looking for used vehicles for sale in Indianapolis, be sure that you do your research and find a dealership that will report timely payments to credit bureaus. Failure to do this might mean that you’ll be looking at another high interest loan down the line. It’s also important to note that many buy here pay here car lots enable devices such as GPS tracking in order to keep track of vehicles that drive off the lot. Because buy here pay here car loans tend to go into default more often than traditional loans, dealerships put measures in place to be able to find or deactivate the car in the case of a missed payment. Be sure to discuss this with your sales representative so that you have a clear picture of what you can expect once you get on the road.

If you’re looking for used vehicles for sale in Indianapolis but you’re still in the process of repairing your credit, a buy here pay here used car might be the right option for you. With flexible payment options, accessible loans, and onsite vehicle servicing, these dealerships are ready to help you get back on the road.

Buying a Used Car? Avoid These Common Mistakes

By admin | Posted in Uncategorized on Thursday, July 25th, 2019 at 4:01 PM

Buying a used car can be a great way to own a higher-end vehicle at a more affordable price. That said, a substantial purchase like this must be taken seriously. If you rush this process or don’t prepare properly, you might end up with an automobile that won’t serve your needs. To that end, you’ll want to avoid the following mistakes when you’re looking at used vehicles to purchase.

MISTAKE: Waiting Until You’re Desperate

A lot of people will wait to look at used cars for sale until they really need a vehicle. But by delaying your shopping until the situation becomes dire, you’ll be giving away a lot of power. You might bend to perceived pressure or make a poor decision pertaining to the type of vehicle you want. Before your current vehicle decides to tap out or before you desperately need reliable transportation, start the initial shopping process. That way, you’ll be in a better position to make a definitive decision before you absolutely have to.

MISTAKE: Failing to Do Your Research

It’s a good idea to start your vehicle research before you ever go to a used car lot or inquire about a vehicle for sale from the current owner. Otherwise, you might be inclined to choose a car based solely on looks or fancy features, rather than on the practical elements you truly require in a vehicle. Doing your research beforehand can also ensure you have a heads-up about any potential safety concerns or even a given vehicle’s history. Since most used cars have an average of three owners, there’s a lot you can’t tell about a vehicle from sight alone. By conducting some research beforehand and during the car buying process, you’ll be a more informed consumer and will be in a better position to know what you want (and be able to negotiate to get it).

MISTAKE: Buying Without a Test Drive

With both used auto sales and new car sales, you should never buy sight unseen. If you don’t like the way a given car drives, you’ll end up being stuck with your choice. But a test drive can tell you a lot about what your overall experience will be, should you make a purchase. When looking at used vehicles, in particular, a test drive can be what you need to assess any strange sounds or other potential problems. While you shouldn’t experience those worries when you purchase from a reputable source, it’s always best to err on the side of caution.

MISTAKE: Not Purchasing Through a Dealership

While there are a few different ways to buy used vehicles, the best way is to purchase through a dealership. When you buy a used car directly from the owner, you may not have a guarantee that you’re making a good deal. You won’t have access to financing and you may have to take their word for the car’s condition and accident history, in some cases. Ultimately, you’ll have more protection and peace of mind when you work with a used car dealership.

If you’re in the market for a used car, we’re here to help find the right one for you. For more information, please contact us today.

Why Buy Here Pay Here Lots Are a Great Choice for the Credit Challenged

By admin | Posted in Uncategorized on Monday, July 15th, 2019 at 3:56 PM

For the credit challenged, buying a car can be frustrating and exhausting. Buy here pay here car lots are an excellent option if you’re looking to buy a used car but you can’t find financing elsewhere. If you’re not sure how to buy a used vehicle through buy here pay here car lots, follow our simple tips to get informed.

Buy here pay here lots don’t operate through an external bank. They have a banking license, which allows them to make their own deals. Often times if you’re burdened with bad credit history, low income, or bankruptcy it can be nearly impossible to finance a new car through a traditional dealership. Even if you are accepted, sometimes payment requirements are too high and interest rates can add up quickly.

Down payments and interest rates are the two factors to be aware of when searching for your next vehicle. If you have poor credit history, this will often determine your interest rate. A bad score may also require you to prepare for a larger down payment. Often these two figures alone are enough to make you leave the lot. Thankfully, buy here pay here lots can help.

It’s also important to note that not all dealerships carry the same level of quality. Many lots carry low vehicle stock and poor models, and frankly, most don’t have too much variety when it comes to choosing a car that’s right for you. Dealing with a credible buy here pay here lot ensures that you find the car that fits your style, personality, and budget. You should never settle for anything less than your ideal when it comes to buying your next vehicle.

A high quality buy here pay here lot carries a variety of vehicle types and models. Used cars, SUVs, and trucks are available. Maybe you’re in the market for a large, sturdy frame, or something lighter and fuel-efficient. Transmission type is important to factor as well. Vehicles with automatic transmissions outnumber vehicles with manual transmissions 10 to 1. Whatever you’re looking for, and whatever your credit history, using a buy here pay here lot to buy your next vehicle is a great option.

Buy Here Pay Here Car Loans And You

By admin | Posted in Uncategorized on Monday, July 15th, 2019 at 2:45 PM

Buy here, pay here car loans and bad credit car loans should not make you feel “less than” because you have challenged credit. You can still buy a car. Used cars are a good deal for those wanting to save money. In fact, used cars make up 75% of automobile sales in the United States. What do you need to know before you get a car loan?

Income and Bad Credit

If you have challenged credit, you should work with a bad credit — or subprime — lender. There are different income requirements; bad credit lenders will usually require a base income of $1,500 to $2,000 per month. Whether you are self-employed, an independent contractor, or are an exempt (salaried) or non-exempt (hourly) employee, you can obtain a loan as long as you can show evidence of your income.

Exempt and non-exempt employees should bring a recent W-2 pay stub to show both that pay period’s income as well as your year-to-date income. If you are an independent contractor, you should bring your tax return from the latest tax filing. This is also the case for self-employed workers.

Debt To Income Ratio

Your debt to income and payment to income ratios are important to know for the bad credit lender. Your debt to income ratio shows the difference between your monthly income and your monthly outflow (rent, food, insurance, utility bills). Loan approval usually requires a debt to income ratio of less than 50%. If you make $2,000 per month before taxes and your bills, including the estimated car payment and insurance, are $1,000, your debt to income ratio is 50%.

Payment To Income Ratio

The payment to income ratio will give you the amount you can afford for your monthly car payment. Typically, the maximum payment to income ratio buy here pay here car loans will require is 20%. If you take your car payment, after you have figured taxes and fees, and divide by your before-tax income on a monthly basis. If you make $2,000 per month and your car loan payment will be $400, your payment to income ratio is 20%.

Additional Information For Buy Here Pay Here Car Loans

There are other requirements bad credit lenders will ask for before you get a car loan.

  1. Down payment. At a minimum, bad credit lenders will ask that you pay down $1,000, or 10%(the less of the two), against the car’s sale price.
  2. Residency. Car lenders will ask for proof of residency. This may be shown by your driver’s license, a current utility bill or passport. Often, they will ask for more than one piece of evidence. They want to make sure that you are who you say you are, plus, this will make it easier when it’s time to fill out the loan application.
  3. References. Bad credit lenders and other lenders will ask for references. If you have bad credit, it is more than perfunctory. Often, they’ll ask for three to five personal references, which will include their names, addresses and phone numbers.

These are some of the most common requirement that bad credit and used car loan lenders will ask for before you make your purchase. Another good thing to have, in order to increase the odds of your loan acceptance, is a co-signer. This limits the risk to the lender. Good luck on getting your used car!

3 Things To Avoid When Buying A Used Car

By admin | Posted in Uncategorized on Monday, July 1st, 2019 at 11:32 AM

When it comes to replacing a vehicle, used cars can make excellent investments — especially when you consider the fact that the average price of a new vehicle in the U.S. is a staggering $35,309. By only focusing on pre owned vehicles, you can get a decent mode of transportation without breaking the bank on its purchase. However, there are several mistakes that car shoppers make when comparing used vehicles that seriously end up costing them in the long run; let’s take a look at three of the most common of these mistakes and how you can avoid them.

  • Failing to line up financing ahead of time. Although many used car dealerships offer financing options, it can be a good idea to get your financial ducks in a row before you even head over. This allows you to see and understand the upper limit of your price range; when you know how much you want and are able to spend, you’ll be more likely to commit to an offer than you can afford.
  • Shopping based on monthly payments alone. Many car shoppers only pay attention to the cost of their monthly payments and ignore the total price. This can get you into a serious pickle in the long run due to high interest rates; while a lower monthly payment is good for your monthly budget, a longer payment period means you’ll end up paying more money back overall. It is often a better idea to opt for higher monthly payments because you’ll be paying the principal back over a shorter period.
  • Skipping the test drive. Around 20% of used car buyers don’t test drive the vehicle before making the purchase. This can significantly increase your chances of experiencing buyer’s remorse; if you get behind the wheel of your car and realize you don’t like the way it feels or handles before you buy it, you’ll be able to continue on your search stress-free.

If you’re looking to buy a used vehicle, don’t make the mistakes of your peers. As long as you take your time and know your limits when used car shopping, you won’t have to worry about any financial nightmares. When you finally drive off that lot, you can be sure that you’ve made the right decision.

Auto Sales and Service is happy to help you buy a used vehicle. Visit us online at today!

Three Things to Look for when Purchasing a Used Car

By admin | Posted in Uncategorized on Friday, May 24th, 2019 at 12:13 PM


Here’s the thing, most used cars have had an average of three owners. Used cars make up 75% of car sales in the United States. Buy Here Pay Here Car lots specializes in used car sales.

When you purchase a new car, it costs (on average) $35,000. That value of a new car drops over $1,000 just for driving it home that day. Used cars retain their value much better, and at Buy Here Pay Here Car Lots, you can find top quality used cars that will fit your budget at any credit score.

However when you are looking at buying or financing a pre owned vehicle, there are some important things to look out for. Here are a few of the most important things that anyone can inspect.


Visually Inspect the Exterior and Interior of the Car

While many people will take time to visually inspect the exterior for scratches, dents and other aesthetic deformities, not as many take the time to inspect inside. The interior inspection is just as important. Take note of any odors you notice while in the car, if the carpeting is in good condition, and how the vinyl is holding up. These are all factors that should go into a quality car inspection. Buy Here Pay Here Car Lots does a thorough inspection of the interior and exterior of used cars to ensure that all used auto sales look as good as possible.


Review the Vehicle History Report

Any used car dealership is required to show you a used vehicle report of any pre owned car you are looking to purchase. A vehicle history report will give you information about previous owners, any accidents the car has been in, and any other problems with the title. There are plenty of used cars at great prices (typically under $5,000) that have only been in minor fender benders. While shopping at Buy Here Pay Here Car Lots, be sure to ask our auto salespeople for the vehicle history report of any used car you would like to test drive.


Perform a Leak Test

One of the worst things that happens when purchasing a used car is driving it home only to find a leak in the engine coolant or an oil leak. Ask the used car dealer to perform a leak test while you are inspecting used vehicles (or perform one yourself). Performing a leak test is relatively simple. Take the vehicle for a drive for about 10-15 minutes and park it in a clear, dry area. Once parked, leave the vehicle running for 30-60 seconds, then cut the engine.

Get out of the car and look underneath for any dripping fluids. Dark spots may indicate an oil leak. Green fluid can indicate a leak in anti-freeze. Pink fluid is likely a transmission leak. Regardless of the color of leak, all leaks are indicative that the car is in need of repair, avoid any used vehicle that has a fluid leak.


Buy Here Pay Here Car Lots are proud to supply Indianapolis with fantastic used cars and help you get approved for financing regardless of your credit situation. Whether you are looking for a used SUV, used trucks, or any other used vehicle, stop on by and let us get you test driving some cars. Then you will be one step closer to owning a great automobile.