Whether you’re looking for a buy-here pay-here dealership lot in Kingsport, Tennessee because your credit is “out of whack” for one reason or another, or you’re looking for a way to get yourself into a reliable car by any means necessary, you’ve come to the right place. It wasn’t too long ago that my credit was well below what the financial gurus call GOOD. Heck, it wasn’t even FAIR. It was bad…and I mean really bad. I had racked up so much debt over the years that I had no way out. I was driving around in a car that I got for $1000 off of Craigslist knowing that, one day, it would die on me. I was hoping that it wouldn’t be on the highway or somewhere far from a service station, but I knew that one day it would die.
And guess what happened.
My car died. I looked all over for dealerships that catered towards people with bad credit in Kingsport, TN only to come up short of anything worthwhile. The cars that some of these so called “dealerships” had were horrible rust buckets that I wouldn’t drive if someone paid me. In other bad credit dealerships, I couldn’t get a decent percentage rate that I was comfortable with. My previous credit history was haunting me and any chance I had at driving around a reliable car seemed slim, to say the least.
I had three options at this point.
I could repair my credit in a hurry, I could continue my search for a reputable dealer who could help my situation, or I could scrounge up some money to buy another clunker online. You’ve probably already thought about all of these options and some of them may not be viable for you at this point. Let’s take things step-by-step and I’ll walk you through the right way to handle this situation.
You May Not Have to Resort to a Buy Here Pay Here Lot.
First of all, have you checked your credit recently? It turns out that the debts that you incurred over 7 years ago most likely aren’t on your credit report and don’t affect your credit score. This little tidbit of information actually helped me out a ton. A month after I started looking for a buy here pay here lot, I discovered that my credit score actually had increased from what I thought it was. So, lesson learned, know what your most recent credit score is. I recommend going over to Credit Karma and checking it out. Don’t worry, it’s a free service.
Instead of Buy Here Pay Here, You May Want to Just Fix Your Credit.
If your credit isn’t horrible, you might just try repairing it. There’s some free services, like the site I mentioned above, that will tell you how to do it and get yourself into a car before you know it. If driving something immediately isn’t a concern for you, I would definitely recommend taking this step. We’ve located a great partner to help you with this as well. The fees are very nominal and they work very quickly. Click here to learn more about repairing your credit.
Next, determine what type of automobile is going to suit your needs. Do you have a family? Do you have a baby on the way? Have you found yourself short of space in your previous vehicle? If so, you might want to look at the multitude of SUV’s on the market. Don’t worry about what year, make, and model of an automobile, just be looking for features. Having some sort of an idea about what you are looking for will help you make the best decision possible when going to a buy here pay here lot. Some of these sales people can be pretty pushy if you don’t know what you’re looking for. They’ll try to force you into a car and say you have no option because you have bad credit. So, just do some thinking ahead of time.
The Final Step in the Buy Here Pay Here Route
Finally, if you have decided to take the next step and go to a buy-here-pay-here dealership, do your research. Make sure that most of the reviews online are favorable and that there aren’t too many negative ones. Sure, people might make excuses on why they missed a payment and why their car got repossessed, but we can see through those complaints. Don’t let them go to your head too much. Just be reasonable and come up with a list of a few dealerships.
If you’ve already tried doing the research and you can’t find what you’re looking for, fill out the form below and we’ll connect you with someone who can help. You’ll be set up with an expert who has years of experience dealing with poor credit situations and car loans. Everything we do is 100% legal and it doesn’t cost you anything to find out what you’re looking at financially before you buy a car or SUV.
Fill Out The Form Below for More Information on Buy Here Pay Here Car Lots in Kingsport, TN.
I’ve been where you’ve been and I know what you’re going through. Everyone makes mistakes and we all deserve to drive a reliable car at a fair price. Fill out the form below and we’ll reach out to you to let you know the steps to take in securing your next automobile. Alternatively, you can also click here for more information.