The 10 Best In House Financing Car Dealership 2024

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If you are wanting to have an easy and stress-free experience when purchasing a car, it would be worth your while to look into using an in house financing car dealerships. This way, you can choose your car, test drive it and have it financed all by the same people within your chosen dealership. You are also often able to negotiate a better price with a dealership if they are organizing the finance as well.

Many people also choose to try in house financing car dealership when they battle to get an auto loan through the bank. These in-house dealers offer finance to those who might not be able to get it elsewhere.

Weighing your options up, this might be the best choice for you when purchasing your next car.

in house financing car dealerships

House Financing Car Dealerships

1. King of Cars:

King of Cars offers their buy here, pay here’ financing to those who have a tough time getting credit. They are one of the few dealerships who will process in house financing with no credit history needed. All information is broken down easily on their website and it is quite simple to work out down payments, bi-weekly payments and everything you need to know before making a purchase.

  • No credit history needed
  • Newer model vehicles
  • Online assistance
  • Loan calculators

2. Dow Auto Group:

Dow Auto Group have different dealerships open in various locations. They offer in house financing to those who cannot buy a car through regular finance. What makes them a great option is that they report to TransUnion, which allows you to build a credit history while using them.

  • No credit history needed
  • Bad credit accepted
  • Online payment calculators
  • Reliable cars

3. Drive Time

Drive Time is one of the largest national car dealerships around. They focus on helping customers find the right cars with the right finance to suit their needs. You can even apply for in house finance through their online site, making it a breeze to purchase a car.

  • Quick and easy approvals
  • Experienced dealership
  • Additional vehicle benefits
  • Great support and client relationships

4. Direct Auto

Offering highly competitive rates, Direct Auto does everything it can to ensure you as a client are looked after and find the best car and finance option for you. They have a wide range of used cars to choose from, catering to many different preferences and circumstances. Online financing makes the process that much quicker.

  • Easy online finance application
  • Competitive rate
  • Fast approval
  • Customer care line for questions at any time of day

5. Ford

Ford has to be one of the most well-known and well-loved names in the motor industry. When purchasing a ford, you know you are buying a quality, reliable vehicle. Ford credit allows you the opportunity to be the owner of one of their innovative cars, all while trusting them to take care of your financing options, finding the best deal for you. They are probably one of the most reliable dealerships to work through.

  • A trusted name in the industry
  • Online payment calculator
  • Wide range of vehicles to choose from
  • Competitive rates

6. Autos 4 Less

Buy here, pay here’ car financing at its best. Autos 4 Less will offer to finance to people with no credit history or even those with bad credit history. Autos 4 Less focus on your job stability, and not your credit score. This opens up many doors for those who have battled for ages to obtain proper finance to purchase a reliable car, which this dealership is in no in shortage of.

  • Fast approval
  • Large inventory of cars
  • 30 years’ experience in the industry
  • Online application

7. Chapman Motor Sales

Staff at Chapman Motor Sales work directly with clients to help work out the best finance deal for your desired car. They cut out the impersonal banks and look to your personal circumstances, instead of basing finance on no credit or bad credit history. There are a large range of used vehicles, all that have been through inspections, to offer the best vehicles to clients. They will even help you rebuild your credit rating by financing a car through the dealership

  • Fast approval
  • Quality inspected vehicles
  • Personal finance calculations
  • No credit history needed

8. Pollard Pre-Owned

Pollard Pre-Owned offer bad-credit financing to customers who cannot get credit anywhere else. They have a full inventory of quality, affordable cars to choose from. Their auto financing experts work to create a plan that suits you and your circumstances.

  • No credit history needed
  • Bad credit history welcome
  • Personal financing plans
  • Large inventory of vehicles

9. East-West Autos

East-West Autos can create a personalized financing plan for those who have no credit or bad credit, as they don’t do a credit check. They require only a small down payment on vehicles, making them accessible to many people.

  • Negotiable pricing
  • Large range of vehicle
  • No credit checks are done

Auto Maxx
Auto Maxx is a family run business with spans of experience in the industry. All their vehicles come guaranteed with a CARFAX report, offering only the best quality. They’re in house finance options are reasonable and easy to apply for.

  • Online Application
  • Guaranteed quality vehicles
  • Personal sales from family run business

10. Gem Cars

Gem Cars are another dealership that looks to finance your future and not your past. They have a large range of vehicles on offer to choose from, accommodating you as an individual. It is a family-owned and run business that have its customer’s best interests in mind.

  • Fast and easy finance options
  • Great customer support
  • No credit or bad credit welcome
  • Large vehicle inventory

The Best Option for You

If you feel like you have run out of options, or if you feel like you don’t have enough credit to be approved through the normal channels, and in house financing car dealerships might be the best option for you.

You will be able to cut out the impersonal banks and work with the people at the dealership to create the best financing option for you. Most of these in house financing car dealerships does not look at your past credit, but instead, look to give you a better future by helping you take your dream car home.

For those without many other options, in house financing car dealership can really be a saving grace.

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