Don’t think you can finance a pre-owned car or truck, no loan from the bank needed? You can!
Buy here pay here car dealers in Hickory, NC can accomodate men and women with sub 600 credit ratings. Most finance institutions will turn down loan seekers with hardships like these.
In Hickory, North Carolina, buy here pay here is also called in house financing. The thing is, most dealerships never provide car loans in-house. Instead, they basically outsource the financing part of the process. The lender establishes the credit rating and down payment standards. Given that buy here pay here car lots in Hickory, NC, offer car financing directly, they can sidestep the tough credit guidelines required by regular banks. That makes it more convenient for you to get behind the wheel of a car, while making it simpler for them to offer autos to the 14,732 people in Hickory who have a sub 600 credit rating.
Alternatives to BHPH Car Lots
Does a your job is your credit auto loan seem to be the one and only option? It might not be. There are many lenders that serve the bad credit customer base. In actual fact, these financiers may provide lower APRs, decreased down payments, and a better opportunity to improve your credit scores. Let’s be honest, buy here pay here car lots in Hickory, NC have a few key drawbacks: higher than average loan rates, big down payments, and little chance to re-establish your credit scores.
No worries. Here at Car Lots USA, we enable you to apply for pre-approved financing from a vast array of second-hand car dealers and lenders.
Here’s what to do to get going:
- Complete Our Simple Web Form.
- Compare Local Car Prices While You’re Paired with the Perfect Dealer or Loan Service.
- Complete The Requisite Paperwork and Purchase Your Car!
Preparing For Your Purchase
Hickory residents, on average, earn $26,253 annually. It’s not recommended that you spend more than 10% of your yearly wages on vehicle payments. For the people of Hickory, this translates to $2,625. Just remember: this does not include costs such as:
- Car Insurance
This should be all it takes to finance a used car when you have very bad credit.
Pre-Owned Cars You Don’t Want to Buy
If purchasing a pre-owned car, you may choose to avoid certain vehicles. Listed here are the automobiles which are the victims of grand theft auto most often in North Carolina.
- 1996 Honda Accord
- 1995 Honda Civic
- 2004 Ford F150 Pickup
- 2003 Ford Explorer
- 1999 Ford Taurus
No Credit Check Auto Loans
Many North Carolina residents search for car loans with no credit check in Hickory, NC. Unfortunately, when a car lot does not check your credit, chances are they will not be reporting your vehicle payments to the credit bureaus.This isn’t good. That’s right. In order to restore your credit scores, you need to exhibit that you’re able to pay off the debts you owe. But the credit reporting agencies are basically oblivious of payments not reported to them.
Chances are, your car lot won’t be filing anything with the credit agencies if they never check your credit when you get buy your car or truck. For this reason the slight decrease in your credit ranking is usually no big deal compared with the potential growth of your fico scores. Nearly all of the dealerships we work with always report to the credit reporting agencies.
Will a credit inquiry harm your credit? Hard credit pulls performed by a lender will reduce your fico score approximately 1% for a period of around six months.
Advice When Buying a Pre-owned Car in NC
- Scrutinize the car according to a checklist like the kind readily available all over the net.
- Get the car inspected by a technician you hire.
- Request the car’s maintenance documentation.
- When you take your test drive, attempt to drive under various conditions.
- Research the cost of servicing in car publications and on automotive sites.
- Assess whether the vehicle has had safety problems and/or recalls. If that’s the case, you should make sure the issues have been properly repaired. Visit www.nhtsa.gov (The National Highway Transportation Safety Authority) gives information on recalls, and the US Department of Transportation manages a Vehicle Safety Hotline.
- Secure an automotive history report from a reliable specialist. Furthermore, the National Insurance Crime Bureau (NICB) manages a free data bank that offers information about flood damage and grand theft..
BHPH and Used Car Dealers: Hickory NC
- Castle Auto Sales. 3217 N Carolina 127. ZIP: 28602
- Classic Motor Sports. 930 U.S. 70. ZIP: 28602
- Auto Unlimited. 812 Highland Ave SE. ZIP: 28602
- Hamby’s Used Cars & Parts. 46 Sk Road. ZIP: 28601
- Auto Sports. 2570 Springs Road Northeast. ZIP: 28601
- J & L Motors – Retail. 1291 2nd Street Southeast. ZIP: 28602
- Highland Wholesale. 500 USHighway 70 Southeast. ZIP: 28602
- Crump’s Auto Sales. 941 Lenoir Rhyne Boulevard Southeast. ZIP: 28602
- E-Z Way Auto Sales – Hickory. 840 13th Street Southwest. ZIP: 28602
- Auto Connection Plus. 2955 USHighway 70 Southwest. ZIP: 28602
- Hickory Auto Exchange. 840 USHighway 70 Southeast. ZIP: 28602
- C & A Auto Sales. 3431 Springs Road Northeast. ZIP: 28601
- E-Z Way Auto Sales – Wholesale Lot. 1757 1st Avenue Southwest. ZIP: 28602
- Battery Specialist of Hickory. 925 3rd Avenue Northwest. ZIP: 28601
- Autobahn Specialists. 1607 USHighway 70 Southwest. ZIP: 28602
- Auto Sports. 2751 Springs Road Northeast. ZIP: 28601
- Best Way Auto Sales. 2775 USHighway 70 Southwest. ZIP: 28602
- Bollinger Motor Sports Inc. 2408B 1st Avenue Southwest. ZIP: 28602
- Hickory’s Rent To Own Auto. 944 3rd Avenue Northwest. ZIP: 28601
- Barrs Used Cars. 541 1st Avenue Southwest. ZIP: 28602
- Everett Chevrolet. 161 USHighway 70 Southeast. ZIP: 28602
- Hillside Motors Inc. 1240 USHighway 70 Southeast. ZIP: 28602
- Car Country. 2850 Springs Road Northeast. ZIP: 28601
- Armstrong’s Used Cars Inc. 2102 North Center Street. ZIP: 28601
- Colbert’s Auto Outlet. 2107 12th Avenue Northeast. ZIP: 28601
- Denver Motors. 2851 Springs Road Northeast. ZIP: 28601
- Dixie Motors. 1016 16th Street Northeast. ZIP: 28601
- J & G Wholesale Auto Sales. 3426 Springs Road Northeast. ZIP: 28601
- Alberts Autos. 3960 USHighway 70 Southwest. ZIP: 28602
- Carolina Cars & Boats. 10155 Nc Highway 127. ZIP: 28601
- Highland Motors. 1017 Highland Avenue Northeast. ZIP: 28601
- Auto Showcase of Hickory Inc. 2374 Springs Road Northeast. ZIP: 28601
- Don’t Walk Auto Sales. 1729 1st Avenue Southwest. ZIP: 28602
- Armstrong Cars Inc. 2227 1st Avenue Southwest. ZIP: 28602
- 4-M Auto Sales & Investment CO Inc. 871 16th Street Northeast. ZIP: 28601
- Blue Ridge Motors. 319 USHighway 321 Northwest. ZIP: 28601
- Buy Right Auto Inc. 922 Highland Avenue Northeast. ZIP: 28601
- R & L Motors. 355 Us-321 Nw. ZIP: 28637
- Crossroads Nissan of Hickory. 1555 Us-321 Nw. ZIP: 28637
- Armstrong Ford Incorporated. 1241 Us-70 Se. ZIP: 28637
- National Auto Sales 1, LLC. 1210 1st Ave Sw. ZIP: 28637
- Rollin’ Motors. 520 Us-70 Sw. ZIP: 28637
- Peak Motors, Incorporated. 1225 Us-321 Nw. ZIP: 28637
- Everett Chevrolet Buick GMC. 161 Us-70 Se. ZIP: 28637
- E-Z Way Auto Sales. 840 13th St Pl Sw. ZIP: 28637
- Used Cars NC by Randy Marion Sav A Lot. 800 Us-70 Sw. ZIP: 923
- Mike Johnson’s Hickory Toyota. 435 Us-70 Se. ZIP: 923
- Honda Cars of Hickory. 945 Us-70 Se. ZIP: 28630
- West Carolina Freightliner Sterling Western Star. 3682 Curley Fishcamp Rd. ZIP: 28630
- Jeff Phillips Mitsubishi. 1100 Us-70 Se. ZIP: 28630