The 4 Best Tips to Secure Your Car Deal: Save Big With Any Credit!

a set of car keys hanging from the door latch depicting how you can secure your car deal

Your Guide to Secure Your Car Deal & Save


Ever walked into a car dealership only to have the door metaphorically slammed in your face because of your credit score? Like a bad joke without a punchline, right? Well, my friend, you’re not alone. Say hello to our guide on how to secure your car deal, the perfect roadmap to landing that auto financing plan, which fits your budget like a glove and turbocharges your credit score!


Secure Your Car Deal
– Table of Contents –


  1. Intro to Secure Your Car Deal
  2. Use In-house Financing to Secure Your Car Deal
  3. Evaluate Your Credit Status to Secure Your Car Deal
  4. Analyze In House Financing Options To Secure Your Car Deal – Down Payment & Flexible Payment Plans
  5. Ensure You Get All the Benefits of In-house Repairs, Warranties, and Accountability to Secure Your Car Deal
  6. Take Control & Secure Your Car Deal!
  7. Secure Your Car Deal – FAQs

If you’re looking to score a great car deal with rocky credit, you’ve landed in the right place. We’ll be providing you with car buying tips from conducting your vehicle needs analysis, car budgeting, car dealership research, properly test-driving used cars, and used car paperwork review. 

Let’s get to it!


Intro to Secure Your Car Deal


Do you think auto financing is like trying to decipher alien hieroglyphics? You’ve probably heard terms like “down payment,” “credit score,” and “in-house financing.”

They seem to bounce around your head like a ping-pong ball in a wind tunnel, am I right? Well, fasten your seatbelts because we’re about to go zero to sixty into the world of auto financing.

This guide will walk you through what you need to know to secure your car deal with bad or no credit. If you need help knowing how to buy a used car from a dealer with different circumstances, we suggest you read through our other guide instead.

With Westland, you’re not just buying a car; you’re stepping into a community that provides in-house financing, flexible payments that work for your budget, and credit reporting to help improve your credit score.

Sounds unbelievable, like a unicorn prancing in a rainbow, right? But trust me, it’s all true!

So buckle up and pay close attention to the best practices when buying a used car. Let’s set off on this auto financing adventure together!


1. Using In-house Financing to Secure Your Car Deal


office supplies and a notepad with the words "in house financing to secure your car deal" above them

Imagine having a genie that not only grants you your dream car but also lends you the money to buy it. Sounds too good to be true, right?

Well, this genie isn’t mystical, and it definitely doesn’t live in a lamp. It’s called in-house financing, and it’s how Westland Auto Sales keeps dreams alive and kicking for folks just like you!

What is In-house Financing?

Ever asked yourself, “What in the blue blazes is in-house financing?”

It’s not some magical financing spell if that’s what you’re thinking! It’s pretty straightforward.

When a dealership provides its customers with an auto loan, that’s in-house financing! You may have also heard of it referred to as buy here pay here auto sales or finance here car dealers.

Imagine walking into a store, picking up a bag of chips, and the store lending you the money to buy it. Sounds too good to be true, right? Well, it’s true!

At Westland Auto Sales, we provide in-house financing and make it as easy as slipping into your favorite pair of jeans. Our buy here pay here requirements make it simple and stress-free for our Members to get quickly approved for their next used car.

We’re not just some distant entity shelling out cash; we’re your partners, helping you cruise away in your dream car! We provide loans to our customers directly, making the financing process quicker than a hiccup.

Who is Eligible for In-house Financing?

Now, you might be thinking, “Am I eligible?”

Well, who isn’t?

If you’re ready to get behind the wheel, you’re pretty much eligible. We’re not your regular dealership that plays hard to get. While credit checks are part of the process, they’re not the be-all and end-all.

Your past financial misadventures, like bad credit or previous repossessions, are not deal-breakers for us. Everyone deserves a second chance, right?

Who Benefits from In-house Financing

Does being your own banker sound enticing? That’s exactly what in-house financing is!

It’s direct, uncomplicated, and best of all, boosts your chances of loan approval. Say goodbye to loan rejection letters and say hello to your shiny new set of wheels!

Who In House Financing is For

In house financing might sound terrific, but it’s not for everyone. There is a very specific type of individuals who can benefit most from it.
The people who benefit most from In House are:

  • Those with bad credit
  • Someone with previous repossession
  • No credit history
  • First time car buyers
  • Someone without a cosigner
  • A person with income that is provable but banks won’t accept

Who In House Financing is NOT For

If you don’t fall into these categories, chances are you’re probably best suited securing your car deal elsewhere. So if you find yourself with great or decent credit, plenty of down payment, a great cosigner, steady and provable income, and everything in order, this financing isn’t right for you.

How Westland Auto Sales Executes In-house Financing to Secure Your Car Deal

If you don’t fall into these categories, chances are you’re probably best suited securing your car deal elsewhere. So if you find yourself with great or decent credit, plenty of down payment, a great cosigner, steady and provable income, and everything in order, this financing isn’t right for you.

How Westland Auto Sales Executes In-house Financing to Secure Your Car Deal

Choosing the right local dealership can make or break your deal.

If you’re in the Fresno, CA area, then you’re in luck. Ever seen a dealership boast about a 97% approval rate? Probably not, right? Well, that’s because we’re not your average dealership.

We’re Westland Auto Sales, the in-house financing wizards!

Our recipe for success is quite simple: a big dollop of trust, a heaping spoonful of understanding, and a generous sprinkling of compassion. It’s the perfect recipe to help you secure your car deal!


2. Evaluate Your Credit Status to Secure Your Car Deal


Understanding Your Credit Score to Secure Your Car Deal

Have you ever tried to figure out what a credit score is? Does it feel like you’re trying to decode an alien language? We feel you.

In a nutshell, a credit score is a three-digit number that represents your creditworthiness. The higher the number, the better your credit status.

Bad credit can be like a hiccup in your auto financing journey, but it’s not the end of the road!

How Westland Auto Sales Approves Bad Credit to Secure Your Car Deal

Bad credit? Pfft! That’s like water off a duck’s back for us.

At Westland Auto Sales, we view bad credit as just another hurdle to overcome in the race to secure your car deal. We’re not going to leave you stranded just because you’ve had a few financial mishaps in the past.

Heck, we’ve helped people secure a car loan even with repossessions and bankruptcies!

No Credit? No Problem!

Just because you’ve never taken a loan or owned a credit card doesn’t mean you can’t get a car loan. We don’t just cater to people with credit histories. We’re here for everyone! With Westland Auto Sales, you can not only get a car loan but also start building your credit. How’s that for a win-win?

So there you have it. In-house financing? Check. Bad credit? Check. No credit? Check. We’ve got all the bases covered to help you secure your car deal!

Analyzing Your Finances & Making a Budget

I know, you probably read that headline and had the nastiest thoughts pop into your head. Finances? Budgeting? 

Eww…

Well, I’m here to tell you that both of those things can give you the exact life you want. Sure, they might sound icky right now, but once you realize what they truly are you’ll see how much fun and how life-changing they can be. 

If you need help with this, I’ve written up a post on budgeting and how it can help your finances. 

To give you a snippet;

  • Analyze your clear net income from all sources (paycheck, fixed income like SSI, cash jobs on the side)
  • Note down all of your regular expenses 
  • Find your needs and goals 
  • Subtract expenses from your net income
  • Adjust things within your spending for the things that truly matter to you

And just like that, you have a pretty awesome budget that can lead the way!

Conducting Car Dealership Research to Secure Your Car Deal

Well, we know you don’t have stellar credit, and that’s okay. That just means we get to eliminate a bunch of useless and time-consuming steps!

No need to worry about local credit unions, prime credit car dealerships, or hoping you get approved from the 20 applications you sent out to traditional car lenders…No no, let’s focus on the ones that will make an impact.

Here’s a guide on what to look for in Fresno car lots which you can use to apply the same principles toward any location closer to you.

It starts with:

  • Doing an online search for the type of dealer you’re looking for (in this case it’s an in house financing car lot or no credit check car dealer).
  • Eliminating the ones that have terrible reviews.
  • Finding the ones with overwhelmingly positive reviews and noting down 2-3 negative ones.
  • Ensuring they offer the services you need (which we’ll go over in this next section).
  • Calling them to discuss the services, ensure they align with the image they have online, and hearing their side of the story with the reviews.

3. Analyze In House Financing Options – Down Payment & Flexible Payment Plans to Secure Your Car Deal


Well, finding a way to secure your car deal starts with finding the best car financing options out there for you. Part of that, is in-house financing options!

Structuring Your Down Payment to Secure Your Car Deal

Ever stood in a car dealership and thought, “How much should I put down?” Let’s break it down. The more you put down, the less you have to borrow, which means fewer interest charges.

There is no set good down payment on a car, only the best for your situation.

However, we get that not everyone has piles of cash lying around. That’s where we come in.

At Westland Auto Sales, we offer down payments starting as low as $500. Yes, you read that right, just 500 smackers! We’re all about making car ownership attainable and affordable.

Who Can Qualify for a $500 Down Payment?

Now, you might be wondering, “Can I qualify for a $500 down payment?”

The answer is yes, with a caveat. While we’d love to give everyone this amazing deal, there are certain criteria that may require for you to put more down payment. See, we’re all about structuring our Program to give our Members the highest chance of success.

While everyone starts at $500 down, not everyone can succeed with it. We aim to provide them the loan terms that will increase the likelihood of them getting through the program unscathed and reaping the benefits of credit score improvement.

Crafting a Repayment Plan to Secure Your Car Deal

Do you find creating a repayment plan is as difficult as climbing Mount Everest?

Well, maybe the first couple of times.

Lucky for you, we’ve been around for nearly 20 years and have fine-tuned the skills to structure flexible payments to give our Members the highest chance of success.

An in house financing dealer closer to you should be able to do the same and show you just how they do so to help you understand.

We’re here to guide you through the process. Think of us as your personal budgeting guru, helping you manage your auto loan like a pro.

How On-time Payments Boost Your Credit Score

Did you know that paying your auto loan on time can actually improve your credit score? Sounds unbelievable, right?

But it’s true!

Each on-time payment you make is like a gold star on your credit report. And guess what? We report your payments to help improve your credit. 

From making your down payment work for you to crafting a perfect repayment plan, we’ve got you covered. Remember, securing your car deal isn’t about having perfect credit or heaps of money. It’s about finding a partner who understands your needs and works with you to make car ownership a reality.


4. Ensure You Get All the Benefits of In-house Repairs, Warranties, and Accountability to Secure Your Car Deal


a puppy inside of a car looking out from the window admiring the benefits that await him outside

Understanding the Importance of Vehicle Maintenance to Secure Your Car Deal

Is your car feeling under the weather? Well, I can promise you that at some point, it will.

It doesn’t matter if you’re buying a used car over a new one, your car will need maintenance and repairs. Regular maintenance can help keep your vehicle running smoothly and reliably, like a well-oiled machine (pun intended!). However, car repairs can sometimes feel like a financial black hole.

The good news is that you can do a lot to try and reduce that by performing your due diligence ahead of time.

The first is ensuring that you are properly test driving used cars to determine not only how they fit you but their overall condition. You may think it ends there but the test drive is only a small portion of your overall inspection on the used cars for sale you’re considering.

If you do this part well, plus you keep up with regular routine maintenance on your car, you’ll be able to reduce your long-term cost of car ownership which will help you secure your car deal like a pro. And, when you run into out-of-the-blue car repairs (let’s be real, they’re only out-of-the-blue when you don’t prepare for them), you can take it a step further.

With us at Westland Auto Sales, you can take that surprise and toss it out the window! We help you finance repairs to keep your car reliable and you financially stable. It’s like having a secret stash of cash for a rainy day!

Make sure the dealership you’re considering buying from offers something like this.

The Value of a Free 2-Year Warranty

Just when you thought it couldn’t get better, you get a face-full of 2-year warranty cake!

Imagine getting a warranty that doesn’t disappear faster than a rabbit in a magician’s hat. Our free 2-year warranty keeps you covered, and stress-free.

Picture two whole years of not having to worry about those nasty repair costs for the big-ticket items sneaking up on you. A warranty that’s there for you, like a faithful canine companion, through thick and thin.

We love puppies.

We’re just that committed to helping you secure your car deal and if we are, there has to be someone else out there that thinks like us too.

Secure Your Car Deal With Negotiation

Many people assume that because they have bad credit, they somehow are ineligible to negotiate a better deal. While this might be the case at some buy here pay here auto sales, it’s not blanket for all. 

By taking the findings during your test drive and inspection, the research on the competitors, considerations of the quality of the dealership, and the overall loan structure, you can see if it is a good car deal for you. 

If there is anything that makes you feel it is not, there are three ways to negotiate a car deal. I recommend you follow them in order:

  • Work on a better price
  • Negotiate better car loan terms
  • Get them to include more value 

The last option includes either they upgrade to a better vehicle or simply adding benefits to provide you with more value. If you’d like help negotiating used cars, you know I’ve got you!

The Power of Accountability in Securing Your Car Deal

When it comes to securing a great car deal with credit challenges, a large part of it comes after the fact. Most people don’t think about the reasons they had troubles with their credit and it leaves them to make the same mistakes over and over again. 

By ensuring the car deal is structured to provide you with high external accountability, it can help you build the routine muscle memory of holding yourself internally accountable. 

This is a long-term benefit that not everyone will understand, yet it’s the biggest form of value you can receive. It will set you up for success in this car loan, as well as every other loan in the future.

There is no number you can put on that.

Achieving Financial Responsibility to Secure Your Car Deal

Ever wished you had a money sensei to guide you on the path to financial responsibility? Well, your wish just came true!

By finding an in house dealer that operates similar to how we do here at Westland Auto Sales, you can make sure you have the support to keep you on track with your payments and credit score.

They would be like a seasoned coach, guiding you to hit the bulls-eye of financial responsibility until you no longer need us.

With us by your side, not only will you secure your car deal, but you’ll also master the art of personal finance.


Take Control & Secure Your Car Deal!


Just like the end of a thrilling roller-coaster ride, we’ve arrived at the conclusion of our auto financing adventure.

We’ve decoded in-house financing, tackled the credit score monster, navigated down payments, crafted repayment plans, and unlocked the power of accountability. Empowered with this knowledge, you’re ready to take the driver’s seat in your auto financing journey.

It’s not just about buying cars, it’s about helping you secure your car deal that will skyrocket your financial future.


Secure Your Car Deal
FAQs


Q: What is in-house financing?

A: In-house financing is when the dealership provides loans to buyers directly. At Westland Auto Sales, we fund auto loans with our own money, allowing us to cater to credit-challenged individuals. You can read more about what in house financing is here.

Q: Can I get approved with a bad credit score?

A: Absolutely! We believe in second chances. Whether it’s bad credit, previous repossessions, or no credit history at all, we have a 97% approval rate to help you secure your car deal. There is no fixed credit score for car loan approval needed, we can take it all!

Q: How does Westland Auto Sales determine down payment amounts?

A: Our down payment amounts start at $500 for everyone, but the exact amount depends on various factors like the car model, loan terms, and the buyer’s financial profile. Being as transparent as we can, most people will require more than $500. This is because we aim to set everyone’s terms to give them the highest chance of successfully paying off their vehicle and improving their credit score. A higher down, among many other aspects, can do just that.

Q: What benefits come with on-time payments?

A: Regular, on-time payments not only keep your car in your driveway, but they also help improve your credit score. We report your payment history, helping you build credit over time. This will ensure you don’t get stuck in the buy here pay here near me trap and instead catapult you toward better car loans, better finances, and a better future.

Q: What does the free 2-year warranty cover?

A: Our free 2-year warranty covers major mechanical failures to keep your vehicle reliable and you stress-free. For a detailed breakdown of coverage, feel free to reach out to our team!

the words "take control of your life" on a chalkboard showing how you can take charge and secure your car deal

Ready to embark on your journey toward secure auto financing?

Well, if you’re in the Fresno, CA area, strap in and pay us a visit!

Together, let’s hit the road to financial independence and secure your car deal!

Shameless Plug –
Contact Us Today to Get Approved For Your Pre Owned Vehicle

If you’re in the market for a used car, truck, SUV, or van, and you’re worried about your credit score, we are here to help. 

Our team will help you get the pre-owned vehicle you need. With timely payments, it can improve your credit as well.

Thousands of other happy customers of the Fresno area just like you have already been approved and are on their path to a better future. With low down payments starting at only $500, great premiums for your trade-in, and a free warranty, you’ll be set up to succeed from the start.

Contact us today! Learn all about our selection of pre-owned vehicles and bad credit car financing options.


Extra Resources To Help On Your Journey


We love to share the wealth! Here are some resources and trusted vendors that we personally use. They can help you take care of your vehicle as well as keep your credit and finances in tip-top shape:

Car Parts

High Quality and Affordable Car Parts: Advance Auto Parts

High Quality Dash Cams and Car Accessories: Rexing USA or VanTrue or Nextbase

Car Audio & Sound Systems: Eonon 

Premium Wiper Blades & Accessories: Clix Auto

Easy Key Replacement & Programming DIY: Car Keys Express

High-Quality Orignal and Custom Car Lighting: LASFIT

Quality Car Parts/Accessories (mats, covers, assemblies): Oedro

Premium Car Detailing Supplies: Chemical Guys

High-Performance Car Parts & Air Filters: KN Filters 

High-Performance Parts: Max Speeding Rods

Speed and Performance Parts: Spectre Performance

Air Intakes: Airaid

Original & Aftermarket Wheels: OE Wheels LLC

Battery Tenders: Deltran Battery

High-Quality Tires Of All Types: Priority Tire or Discount Tire

DIY Car Extras

In the event your dealer doesn’t provide you a history report: VinAudit

To learn to recondition your old car battery: EZ Battery Reconditioning

For DIY Ford vehicle repair: Ford Shop

To learn to take some knicks out of your car’s paint: High Quality Car Spray

If you find yourself in need of a car rental: Discover Cars or Airport Rental Cars or Holiday Autos

If you’d like to see what public car auctions are like: Gov Auctions or Gov Seized Auction

Personal Finance & Credit

To help you improve your credit: Axion Credit Repair or Coast Tradelines

For a DIY credit repair course: DIY Credit Repair

To help you get free of debt and increase your credit: What Lies In Your Debt?

If you’re in a bind and need cash quickly: Bad Credit Loans or Cash Advance

For personal loans of higher quantities: Fortuna Credit or Personal Loans

For a high cash-back credit card (make sure you only use it as if it’s a debit card!): Laurelroad 

We will keep sharing all our vendors that we have a great experience with. Only the ones we see align with our values as time goes on, both locally and nationwide.

Disclaimer: The information provided in this article is for educational purposes only. It is not financial advice. Always consult with a qualified financial professional for personalized guidance.


Our Vision


Empower those in need with the freedom of transportation and the tools to obtain financial stability.

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Dealership Information:


Westland Auto Sales – Fresno's Buy Here Pay Here Car Dealer

Sales:
(559) 444-0123
Service Department
(559) 981-2535
Accounts Success Department
(559) 233-0107

Business Hours:


Mon - Sat :
9:00 AM - 6:00 PM
Sun :
10:00 AM - 5:00 PM