When you think of buying a car, what’s the first thing that pops into your head? Maybe it’s the feel of a new leather seat or the thrill of zero to sixty in a flash. Or perhaps, if you’re like many others, it’s the daunting task of navigating the complex world of auto financing. Oh, but just you hold onto your gear stick now! In house financing car dealerships are about to flip the script for you. 

Ride into the future of car financing without taking a credit detour. Let’s get you in the driving seat!

• Intro to In House Financing Car Dealerships
• The Evolution of In House Financing Car Dealerships
• Navigating the Application Process at In House Financing Car Dealerships
• Starting Your In House Financing Car Dealerships Journey
• In House Financing Car Dealerships – FAQs

With the recent unfortunate events that occurred the last 3 years (the pandemic, the war in Ukraine, supply chain crisis, etc.) many people saw a downturn in their own personal economy and the entire US has been feeling it as a whole.You’d think we’re all going to suffer from here until things start stabilizing, and yet, here comes along the little guys, ready to save the day!

In house financing car dealerships are flipping the script, offering an alternative that’s revving up in popularity and allowing those of us in need of assistance to continue on a good path without hindrance.

Now, you might wonder, “Why all the buzz around these dealerships?” Simple. They make things easier for those who might find traditional financing methods, well, a little too traditional. And by that, I mean rigid and often uncompromising, especially if your credit history has a few, let’s say, unexpected bumps. 

In house financing car dealers are the pit crew everyone wishes they had. They provide car financing options for bad credit, ensuring that your dream ride isn’t left in the dust because of a few past mistakes.

Many people, and I mean many, often struggle with understanding the convoluted world of credits, loans, or personal finances. And let’s face it; not everyone has the privilege of a stellar credit score. With the economic downturn we are seeing, many more Americans are experiencing a negative impact on their credit scores that is leaving them hard pressed to get a car loan.

Couple that with the fact that banks, car lenders, and third party financial institutions are tightening up their underwriting practices and you’ve got a perfect pot for people to suffer. (Underwriting practices just means they’re making it harder for people to get approved and cherry picking only what they consider ‘the best’.)

And that is exactly why in house financing car dealerships are gaining so much traction. They are a beacon of hope for the credit-challenged individuals everywhere, but especially in Fresno, CA. Primarily because that’s where our buy here pay here car lots operate.

I know, shameless plug! Don’t worry, you’ll get quite a bit of value from this one.

Next time you hear someone joke about their bad credit, nudge them towards in house financing car dealerships. Because everyone deserves the wind in their hair and the open road ahead, without the financial jargon weighing them down.

The modern automotive market has significantly evolved, giving rise to various car-buying options. A notable shift has been towards dealerships that offer more personalized financing methods, especially to those who might have had financial setbacks like repos or poor credit histories. 

Such services have made dealerships that work with repos or offer no credit check increasingly popular. 

For a look into the potential future of in house financing car dealers, check out our article.

Traditional vs. In House Financing Dealerships

The advantages of in house financing dealerships have become evident over time. Unlike traditional financing, in house financing is more lenient, making it a go-to for many potential car buyers. This leniency is especially crucial for buyers with bad credit histories. 

If you’re one of the people that don’t understand why that is even a thing or view these types of organizations as predatory, it means you were one of the lucky minority that had the privilege of someone teaching you about credit and finances during your life. 

For the majority of us, it’s a reality of life that we live daily and it seems to be growing. It’s no surprise that many buyers are increasingly drifting towards these in house financing options. 

To get a deeper understanding, visit how in house financing dealerships operate.

The Growing Trend of Fresno’s In House Financing Car Dealers

Fresno’s car buying landscape has seen a rising trend in buy here, pay here dealerships. Fresno has a large low-income population so it’s no surprise that any shift in the economy affects them more than other areas. 

Since lower income is typically followed by reduced education, many of our residents seeking used cars in Fresno fall straight into bad credit situations without realizing why. But while buy here pay here car lots are ideal for those seeking used cars in Fresno with bad credit, it doesn’t mean you should automatically go to them. Analyzing your situation first is crucial to make sure you’re getting the best deal. 

You can use our guide to help you weigh the pros and cons of buy here, pay here car lots to make sure they’re right for you. 

If you determine it is right for you and you’re in the area, make sure to explore the top locations offering in house financing options. (I’ll save you the time and trouble, it’s us. Hands down.)

Essential Steps Before Opting for Buy Here Pay Here Fresno Dealerships

In the event you’re not in the area, I’ll give you some tips.

• Analyze your financial situation before you ever research any in house financing car dealerships.
• Create a clear budget to determine what you can truly afford.
• Search and research all of the local in house financing car dealers in your area and make sure they offer exactly what you need.
• If they don’t offer credit reporting or a warranty, scratch them.
• Inspect their vehicles thoroughly and read over the paperwork carefully.

Ensure you understand the financial commitments and have assessed the credibility of the dealership before making any agreements. They are more than likely good people, but even good people can make mistakes. Catch them.

Guiding your Financial Drive with In House Financing Car Dealerships

Before committing to any deal, especially with bad credit car dealerships, it’s crucial to assess your financial health. I cannot stress this point enough. This evaluation will provide you a roadmap for the kind of car finance options available to you so you’re not left worse off than you started. 

Beginning with pre-qualification can also gear you up for a smooth car-buying journey, ensuring that you’re aligned with your budget and the financing terms.

Vehicle Selection at In House Financing Car Lots

In house dealerships stand out by offering a diverse range of vehicle options, catering to different needs and budgets. If it is a reputable buy here pay here car lot, they will focus on providing reliability, not luxury. 

Dependable family vehicles will set you up for good financial situations. It’s essential to make informed vehicle choices based on your situation. This not only ensures that you can manage your payments but also that you’ll be able to depend on your used car. 

Dive deeper into the topic with our article on car selection at no credit dealerships near you. 

And, for tips on making sure you know how to pick from that selection, head over to find your perfect used car fit.

Embarking on the in house financing journey requires a good grasp of the application process. With terms like buy here pay here near me becoming common searches, it’s evident that many are seeking local, convenient car financing options. 

For a detailed overview, read our article on in house financing options. 

We always recommend you start your search online. That means filling out your application and sending in your documentation to prove your situation before hitting the used car lots. 

Once you have a few offers in hand, it’s time to review them.

Understanding Buy Here Pay Here Car Lots’ Loan Approvals

In house financing dealerships evaluate applications differently than traditional lenders. While they might be more lenient, understanding what factors play a pivotal role in loan sanctioning can improve your chances of approval. 

This is where learning how in house financing dealerships operate can be invaluable. 

They will assess your entire situation, looking at things like the stability of your job, residence, bank account, etc. They may also ask for a list of your fixed expenses to help determine a payment that you will be able to afford comfortably. 

After all, this is the most crucial part of the process. Sure, they can sell to anyone, but they know they can’t expect you to make payments of $1,200 if your budget only allows for $450. 

Think that’s a joke? I’ve seen it first hand from customers coming to us after they’ve been taken for a ride! (Not a good ride at that)

Scheduling your Payments with Buy Here Pay Here Near Me

The beauty of in house financing lies in its flexibility. However, it’s vital to remain disciplined and remember key points to avoid payment lapses. The goal is to ensure that your car financing remains affordable and doesn’t strain your finances. If they are not doing the work to ask about your expenses to help you determine the correct amount you can afford, you need to do it yourself. 

While most places that offer used cars in Fresno or closer to you with bad credit are good about finding you the right car payment, it doesn’t mean they all will. Don’t just take their word for things. Take charge and be the difference you wish to make in your life.

Committing to the Drive with In House Financing Car Dealerships

Always understand the fine print before committing. Review each form carefully to catch any errors. Each dealership may have its nuances in contract particulars so if there is something you don’t understand or doesn’t seem right, ask. 

To ensure a secure car deal, read more about it here. You can also learn to read through used car paperwork here.

The Role of Credit Checks

There’s a common myth that in house financing dealerships don’t conduct any credit evaluations. In reality, they do (unless they’re crooks or the fly-by-night type of shop that plans on cashing out quickly). 

Most pull what is referred to as a ‘soft pull’. It’s a form of credit check that does not reflect on your credit history and has no negative impact on your score. You’ve probably had tons of insurance companies, banks, and financial institutions do it if you’ve received those pre-approval offers before. 

In house financing car lots have their own methods of financial assessment but without the typical rigorous credit scrutiny. This approach allows them to offer car financing to a broader range of buyers while also protecting themselves from fraud, active bankruptcies, or the like. 

You can read more about buy here pay here near me with no credit check here. 

Related Article: Can I Buy A Car Without A License.

Sign on the Dotted Line

You’ve got the car consultant looking back at you, waiting for your answer. You’re on the right used car for sale for you, the in house financing car dealer has a great reputation, they offer all of the benefits you need to help you succeed. 

Okay, we’re on the right track. The car checked out, even your mechanic gave it the thumbs up. You reviewed the history report, clean. You’ve settled on the right down payment, comfortable payments, a great short term contract, and the paperwork all checks out. 

You look over on the wall and remember that they also provide a FREE 2-year warranty so you’re covered. You click the back of the pen and look back over to the car consultant.

“So,” they say, “what do you say?”

As we navigate through the myriad of choices available in the modern automotive market, in house financing car dealerships emerge as a beacon for many potential car buyers. 

The economic downturns caused by our recent events may have put a real strain on most Americans, but these in house dealers offer a helping hand to keep them going. 

The journey, from application to vehicle acquisition, offers flexibility and inclusivity, especially for those who have faced credit challenges. And trust me when I say, this number is growing. 

Opting for in house financing car lots provides an opportunity to not only purchase a vehicle but also rebuild credit and financial trust. We urge buyers to continue educating themselves on anything to do with credit and finances, but most of all, how they can use these dealers as stepping stones for a better future.

Navigating the intricate landscape of in house car financing comes with its fair share of questions. We’ve compiled and addressed some of the most burning inquiries to assist you on your journey.

Q: How does in house financing differ from regular dealerships in terms of interest rates?

In house financing often caters to those with poor or no credit, which might result in slightly higher interest rates compared to traditional banks or credit unions. However, these rates are part of a more flexible and understanding financing model. Keep in mind that the right in house financing car dealerships will focus their attention on helping you succeed. Paying a point or two more now to ensure you’ll pay 20+ points less later and forever can be worth it. Look past the rate and learn to use what they make available to you.

Q: What is the repossession policy for in house financing dealerships?

There is a reason why in house financing dealerships are known as dealerships that work with repos. Generally, they are lenient when it comes to getting you approved as long as they can see a good reason why it happened and not simply “because I didn’t want the car anymore.” Now, with that in mind, once in their program, their repossession policies could vary quite drastically. Many in house financing dealerships might have a shorter grace period before considering repossession due to non-payment. It’s essential to understand your agreement’s specifics and maintain open communication with the dealership at, all, times.

Q: How does the buy here pay here near me model work?

The buy here pay here near me model allows customers to purchase and finance a car directly from the dealership. Payments are often made weekly, bi-weekly, semi-monthly, or monthly according to your income schedule and to give you the highest chance of success. They are paid directly to the dealership, eliminating traditional car lending institutions.

Q: Can I buy a car without a license through in house financing car dealerships?

Policies can vary, but many in house financing dealerships might require a valid driver’s license as it provides proof of identity and the ability to legally drive the vehicle off the lot. Most, however, will not. As long as you can provide a valid photo ID to verify you are truly the person buying the used car, you’re good.

Q: Are there any hidden fees when opting for in house financing car dealerships?

While reputable in house financing dealerships maintain transparency, it’s crucial to carefully review your contract. Always ask about any fees or charges not clearly outlined or understood. If they cannot give you a clear answer, walk away.

Q: Can I refinance a car bought through in house financing car lots?

Yes, vehicles bought through in house financing car dealers can be refinanced. In fact, this is the goal for you! If you use the model properly, you will be able to step your way through the stones they provide you and increase your credit score enough to allow you to return to more traditional car loan options. However, it’s essential to ensure that your current contract doesn’t have any penalties for early payoff.

I think you’re ready to take the wheel now. Drive into the world of in house financing car dealerships with confidence. 

Whether you’re shopping for used cars in Fresno and looking to buy a car with in house financing or simply seeking more information, we’re here to guide you every step of the way. We want you to become a financially independent master and obtain the life you deserve. 

Your journey to car ownership is awaiting you.

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!

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!

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!

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!

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.

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.

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.

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.

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!

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!