Buy Here Pay Here Car Lots in Utica (NY)

Buy Here Pay Here Car Lots in Utica NY
Locate The Right In House Financing Car Lot - Online!

Car owners in Utica, NY put an average of 6,880 miles on their cars yearly, and yet 5,566 of New York’s residents have a credit rating between 550 and 599.

Traditional finance companies and banking institutions, regrettably, cannot give vehicle loans to customers that have issues, for instance:

  • Undesirable Credit
  • Insolvency
  • Foreclosures
  • Repo
  • Unpaid Bills

Utica Buy Here Pay Here: Strengths

Utica, NY buy here pay here dealerships, in contrast, make it easy for customers to buy automobiles in regular monthly repayments, without regard to their credit. These dealerships put the emphasis on current finances in place of credit. If you possess the funds to afford your payments, they’re happy to ignore your personal credit history. You will often be able to spot these dealerships by their advertising messaging, such as We Tote The Note, We Finance, or Your Job is Your Credit.

Is BHPH The Best Option?

Wait! Is BHPH financing really the right option? Because, of course, buy here pay here auto lots in Utica, NY have got some disadvantages:

  • High APRs
  • Expensive Down Payment
  • Limited Opportunity to Rebuild Your Credit

No worries. At Car Lots USA, we work with an extensive range of used car lots and finance companies. Just apply online, and our highly developed approval system will connect you with the car lot or lender that best suits your needs, based on the following:

  • Where You Live (Utica, NY)
  • Your Credit Ratings
  • Amount You Can Put Down

Car Payments With Bad Credit

In Utica, New York, most individuals bring in roughly $8,880 per year (on average). If you can help it, please don’t allocate over 10% of every dollar you take home on automobile-related expenses. For the people of Utica, this is $888. But don’t forget, you have to think about the cost of insurance ($730 per year in NY), as well as the price of fuel ($2.83 per gallon as of ’08 and going up). This should be all it takes to pay for a second-hand car with below-average credit.

Most Stolen Vehicles in Utica, NY

When buying a pre-owned car, there are some vehicles you might want to avoid. Listed here are the vehicles stolen most regularly in New York.

  1. 2000 Honda Civic
  2. 1994 Honda Accord
  3. 2000 Dodge Caravan
  4. 1991 Toyota Camry
  5. 1997 Nissan Maxima
  6. 1995 Jeep Cherokee/Grand Cherokee
  7. 2005 Nissan Altima
  8. 1996 Plymouth Voyager
  9. 2007 Toyota Corolla
  10. 1996 Honda Accord

BHPH and Used Car Dealers: Utica NY

  • Fontaines Service. 308 Arthur St. ZIP: 13501
  • J J Customs And Detail. 635 Elizabeth. ZIP: 13501
  • A To Z Auto. 1111 Oriskany Street West. ZIP: 13502
  • Bray’s Auto Sales. 416 Mary Street. ZIP: 13501
  • Al’s Auto Body. 901 3rd Avenue. ZIP: 13501
  • Hotel Street Auto Sales Inc. 107 Hotel Street. ZIP: 13502
  • George’s Precision Auto Body. 2327 West Whitesboro Street. ZIP: 13502
  • A to Z Auto. 1111 Oriskany St W. ZIP: 13504
  • AA Immaculate Auto. 400 South St. ZIP: 13504
  • Trevisani & Laporte Auto Center. 230 N Genesee St. ZIP: 923
  • Don’s Ford Super Store. 5712 Horatio St. ZIP: 13304
  • King’s Auto Sales. 250 Elizabeth St. ZIP: 12032
  • M & M Auto Sales. 601 Rutger St. ZIP: 13328
  • Cars 4 Charities. 286 Genesee St, #7. ZIP: 13503
  • Carbone Auto Insurance Group. 5700 Horatio St. ZIP: 13304
  • Al’s Auto Sales. 901 3rd Ave. ZIP: 12032
  • F Mastrovito Auto Sales. . ZIP: 13319