Buy Here Pay Here: Utah (UT)

Buy Here Pay Here Car Dealers in UT
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Utah Buy Here Pay Here Car Lots
Poor Credit OK!

Utah has an average credit score of 683, but 221,111 of Utah’s residents have a credit rating of 550 to 599.

Traditional banks and loan providers refuse to extend vehicle financing to buyers with subprime credit scores.

Buy Here Pay Here Auto Loans in Utah
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How do such car dealers can supply loans when traditional car dealerships are unable? For starters, you need to understand how car loans work at standard dealerships. Generally, dealerships are affiliated with preferred financial institutions, including:

  • Banks
  • Lending Institutions
  • Car Financing Companies

The financial institution is the one who actually establishes the credit and down payment requirements. Seeing as UT buy here pay here car dealerships offer car financing on site, they are able to bypass the strict credit guidelines enforced by regular banks. This expands their client base while improving your chances of approval.

Buy here pay here financing isn’t without its disadvantages. Above all, you will have to contend with expensive rates of interest. This could set you back a lot of money in the end.

If you learn that your credit ranking is good enough, you may want to invest in an automobile from a car lot or loan provider who helps customers who have below-average credit without demanding such expensive interest fees. Car Lots USA has partnered with the leading bad credit finance companies and buy here pay here dealerships in UT to deliver the ideal finance package given your credit, income, and other factors. When you submit your application online, advanced technology goes to work to match you with the ideal dealer or lender in UT for you. The advantages are extensive:

  • Fast Application
  • No Fees
  • Minimized Interest Quotes

Buying a Used Car with Poor Credit: How Much Should I Spend?

Utah residents, according to the US Bureau of Labor Statistics (, make $37,054 yearly. It’s not recommended that you devote over 1/10 of every buck you take home on car-related bills. This is $3,705. But remember, you need to take into account insurance rates ($808 annually in UT) and fuel costs ($2.78 per gallon as of ’08 and going up). This should be plenty of money to finance a used car with bad credit.

Used Cars You Don’t Want to Buy

When purchasing a used vehicle, there are some cars you might want to avoid. Why? Because these automobiles are the most common targets of thieves in Utah, specifically.

  • 1997 Honda Civic
  • 1992 Honda Accord
  • 1994 Acura Integra
  • 1993 Jeep Cherokee/Grand Cherokee
  • 1995 Nissan Altima
  • 1994 Nissan Sentra
  • 1991 Toyota Camry
  • 1997 Nissan Maxima
  • 2007 Ford F150 Pickup
  • 2006 Dodge Ram Pickup

Utah Buy Here Pay Here Financing