How to Qualify For Buy Here Pay Here Near Me in Fresno

Tired of hearing “NO” at every dealership you go to around Fresno? Ready to turn it all around and start hearing “APPROVED” forever?

Then this is for you. 

Getting approved for buy here pay here near me in Fresno can be as straightforward as cruising down Friant Road on a sunny day. You just have to know what to prepare for!

• What is Buy Here Pay Here?
  • The Best Approach to Buy Here Pay Here Near Me in Fresno
• Your Easy Guide to BHPH in Fresno
  • Basic Requirements of Buy Here Pay Here in Fresno
  • Extras to Strengthen Your Approval Odds
• Understanding Your Budget
• Buy Here Pay Here Application Process: Step-by-Step
• Tips for a Smooth Approval Process
  • Do’s and Dont’s
  • Getting Prepared
• FAQs about Buy Here Pay Here Near Me in Fresno

Is BHPH Right For You?

Buy Here Pay Here financing can be a lifesaver for those who need it. But like those scenic drives to Yosemite, it isn’t for everyone. 

Buy Here Pay Here (BHPH) financing is a unique option for second-chance car loans that are provided directly by the dealership. In other words, they lend you their own money so that you can buy your vehicle. There are no banks or third-party lenders involved.

You buy there and pay there.

Buy here pay here near me in Fresno is, particularly suited for individuals who are facing challenges securing traditional car loans due to their credit history. While it’s a lifeline for many, it’s important to understand that BHPH isn’t the right fit for everyone.

Buy here pay here is particularly beneficial for those who find conventional financing roads blocked due to credit bumps. It can offer a scenic route to vehicle ownership for many in Fresno, especially for those who’ve hit a bump in their credit road.

The Best Approach to Buy Here Pay Here Near Me in Fresno

Needing a car but being unable to finance it through traditional means is often a symptom of a deeper issue — a lack of proper education on credit and finances.

“We want to help you solve your CORE problem and use your immediate problem as the ‘vehicle’ to help you get there. Pun intended!” 

A Long-Lasting Approach to BHPH

90% of buy here pay here’s are made as a temporary fix to get you a no credit check auto loan and that’s it. And since you build no credit you’re stuck having to come back to them forever.

Our entire buy here pay here model is built to provide you with long-term results. From the car you get, the credit-building tools we give you, and the support we provide, our goal is to help you learn and apply good financial habits to build your credit and manage your money. 

This Is How We Do In House Financing in Fresno!

Keeping you focused on the real goal is the objective, and this is how we do it:

• Type of Vehicle: We provide safe and reliable family-oriented vehicles.
• FREE Warranty & Repair Financing: Free warranties and financing on repairs outside of the warranty coverage will allow you to stay on the path and prevent extreme repair costs from derailing your focus.
• Our Staff: We hire only those who can truly understand the struggles our Members go through. Our entire team is dedicated to helping you the way our founders intended, and beyond.
• Tailored Approvals & Member Care: By limiting our new Memberships to only 8 per week, we ensure each Member receives the full attention and care they need. Each approval is structured to give you the highest chance of success.
• Comprehensive Account Support: High accountability, continuous communication, and frequent guidance are what we’ve found yield the highest results for our Members. Your dedicated Accounts Success Manager will hold you externally accountable so you can build good habits and never need us again. 
• Drive & Thrive: As a Member of our program, you are given a full course on building credit and money for free. And then, a step-by-step guide to help you get it all stable so you never have to hear “No” again.

That is our goal; to provide you the means so that you will never need us or any other buy here pay here near me in Fresno. This is not a temporary quick fix, but a life-long solution that can give you results that will last for generations.

And it all starts with a car.

The Basic Requirements of Buy Here Pay Here in Fresno

To qualify for Buy Here Pay Here (BHPH) financing, you’ll need to meet these basic requirements:

• Proof of Income:
  • 3 most recent pay stubs (most common)
  • W2 or Tax Return (if needed)
  • 12 months of bank statements (self-employment)
  • Award letter (fixed income)
• Proof of Residence:
  • Most recent utility bill, phone bill, cable, or internet bill.
  • A piece of mail with your name, address, and date within the last 30 days.
• Valid Photo ID(One)
  • California Driver’s License
  • California ID
  • Passport
  • Mexican Consular ID
  • Matricula
  • Military Card
• References
  • 10 friends, family members, or close trusted individuals who know you well and you can count on.
• Valid SSN or ITIN
• Down Payment
  • Average Members get approved with an upfront down payment of $972. Yours will vary based on many factors like income, expenses, vehicle, etc. Down payments start at $500. We always recommend you put the most possible down payment. This helps discount your payment amount and provides long-term savings.
• In-Person Consultation
  • Essential to assess your situation together, ensure we can help, and tailor the program to give you the highest odds of succeeding through it.

Extras to Strengthen Your Approval Odds & Make it Guaranteed car financing

Building credit with our Buy Here Pay Here program in Fresno isn’t a sprint; it’s like a scenic drive up to Shaver. Bad credit is not the problem, it’s the indicator there’s one.

Our Drive & Thrive second chance car loan program wants to help you see it, understand it, and show you how to fix the real problem.

What We Look For to Determine Who’s Truly Ready

• Extreme Responsibility for Their Past:
  • Acknowledging and owning past financial decisions is crucial.

“If it’s not our fault, there’s nothing we can do. If it is and we assume responsibility, we can find ways to improve it.”

• Minimum 3-Year Resident of the Fresno Area:
  • This demonstrates community and location stability.
• Stable Employment & Residence:
  • Consistency in work and living situations indicates that you can weather more storms that come your way. It’s easier to find solutions when you have stability around you.
• Ability to Pay Through the Program Comfortably:
  • The vehicle, down payment, your income, and expenses play a big role here. We analyze your budget and provide you with a payment that will give you a cushion to continue to save.
• Ready & Dedicated for Long-Term Success:
  • Commitment to improving your future financial health, not just your immediate problem.
• Focused on the Program, Not Just the Vehicle:
  • If all you want is a specific vehicle for a certain price, we are not the place for you. Understanding the bigger picture of financial stability and recognizing that you are doing something to strengthen your future so that you don’t have to struggle unnecessarily is key.
• Understanding Mutual Support:
  • We are in this together, and being able to listen to our guidance, follow through with promises, and provide us constant feedback to help us improve the program for you and everyone else will ensure that long-term relationship.

Our goal is to empower those who show a readiness for change by providing them the freedom of transportation and the tools necessary to obtain financial stability.

The strongest tool we can provide you is showing you that your financial stability requires a strong foundation.

At the core of our program is the principle of financial empowerment, and this begins with a clear understanding of your budget. To ensure a smooth ride, it’s crucial to know what you can afford. Not just with vehicles, but everything in life.

Your budget should be your GPS, not a wild guess. The more guidance you have, the more prepared you are for speedbumps. It’s about strategically planning for expenses.

Think Proactive (ready with a solution) vs Reactive (scrambling to find solutions).

How to Assess Your Vehicle Budget

• Calculate Your Total Monthly Income:
  • Start by adding up all sources of income.
• Deduct Fixed Monthly Expenses:
  • Subtract your essential expenses like rent, utilities, and groceries.
• Determine an Affordable Monthly Car Payment:
  • Aim for a car payment that doesn’t exceed 35% of your monthly income after fixed expenses.
• Account for Vehicle-Related Expenses:
  • Insurance: Shop around and factor in the cost of coverage.
  • Maintenance: Regular upkeep is the key to longevity.
  • Fuel: Estimate your monthly fuel costs based on your travel habits.
• Consider Future Financial Goals:
  • Your budget should align with your long-term financial aspirations, not just immediate needs.
• Emergency Fund:
  • Ensure you have a cushion for unexpected expenses and repairs. This will allow you to take care of the problem without putting you in a bind or further debt.

By understanding and effectively managing your budget, you lay the groundwork for financial stability. This approach ensures that when you get your vehicle with our Drive & Thrive – buy here pay here near me in Fresno, you’re not just getting a car; you’re setting yourself up to achieve your financial goals and live a better life.

Our Buy Here Pay Here financing process is carefully designed to ensure the success of each member. We receive thousands of applications per month and with only 8 positions available per week, every step is crucial in finding those most likely to benefit and succeed.

This is the process you can expect, from start to finish:

• Set Up a Consultation:
  • Contact us for a free consultation. We operate strictly by appointment to give our full attention to each member.
• Online Application, Proofs, & Questionnaire:
  • Fill out our quick 3-minute application online and send your required proofs. You will receive a questionnaire soon after to help us understand your unique situation.
• Confirm Your Appointment:
  • We’ll reach out to confirm any additional information we may need as well as confirm your consultation the day before and of. Please make sure to arrive on time.
• Personalized Assessment:
  • We’ll ask some clarifying questions to ensure we fully understand your needs and situation. This helps us customize the program to best suit you.
• Vehicle Selection:
  • Together, we’ll find the best vehicle that fits your needs and lifestyle.
• Customize Your Program:
  • We’ll give you three program options—minimum, recommended, and highest opportunity of success. You get to choose the one that best aligns with your situation.
• Understand, Agree, and Take Responsibility:
  • Before any paperwork, we’ll review things to ensure you fully understand, agree with the program terms, and take responsibility for the outcome of your future. This includes our goals for you, how you can achieve these goals, and our expectations of each other.
• Review & Sign Program Paperwork:
  • We’ll review all the paperwork with you, clarifying terms and answering any questions you may have.
• Welcome to Westland:
  • Congratulations! You’re officially part of the Westland family.

Do’s And Don’ts For Buy Here Pay Here

To ensure a successful experience with our Buy Here Pay Here program, consider the following guidelines:

Do’s of Buy Here Pay Here Near Me in Fresno

• Come Fully Prepared: Bring all necessary documents and more.
• Take Responsibility: Don’t defend but instead acknowledge past actions and their impact on your current situation.
• Dedication to Future Improvement: Show a commitment to improving your and your family’s future.
• Honesty and Trust: Be transparent in all your dealings with us.
• Believe in Yourself and the Mission: Have faith in our process and your ability to change your circumstances and be patient. Results will come if you keep taking the steps.

Don’ts of In House Financing Near Me in Fresno

• Fixation on Specific Car Models: Focus on what fits your needs, not wants.
• Confrontation, Dishonesty, or Entitlement: Respect, honesty, and open-mindedness are key.
• No Care to Improve Your Credit or Financial Health: If you are not interested in what our Drive & Thrive program is based on, we are not the place for you.
• View Us as a Transaction: Our relationship is about partnership and mutual success. It will not work otherwise.
• Not Being the Owner of Your Vehicle: Repairs and maintenance are a cornerstone of being an owner, and that extends to cars as well. You are not renting a vehicle so it is your responsibility to maintain it. We are here to help, but what will you do after? Helping you build that habit of ownership and preparation is key.
• Refusing to Take Ownership of Your Past: Don’t blame others for past financial challenges. We all face difficulties, some worse than others, but blaming someone takes away your ability to better the situation. Give yourself the power instead by taking responsibility and finding a way to never let it happen again.

Getting Prepared For Your Approval at the Best Buy Here Pay Here Near Me in Fresno

Here’s how you can prepare yourself for a higher chance of approval:

• Analyze Your Budget: Know exactly what you can afford.
• Check Your Credit Report: Understanding your credit history is important as we’ll give you ways to help build it. If you know where you’re currently at, it’s easy to track improvements.
• Gather Necessary Documents: Have all your proofs outlined earlier ready.
• Vehicle Needs Over Wants: Focus on the future and narrow down the types of vehicles that meet your short and long-term needs.
• Set Up a FREE Consultation: Provide us with all the information we need to fully understand your situation and allow us to customize your program to fit you best.
• Thorough Vehicle Inspection: Inspect it, drive it well, and make sure you are comfortable with your vehicle as it will be your partner for the next couple of years.

“Approaching the process with honesty, responsibility, and a clear understanding of your needs not only increases your chances of success but also sets the stage for a great partnership.”

By following these do’s and don’ts and preparing thoroughly, you’re not just gearing up for a smooth buy here pay here approval process; you’re taking important steps towards a more stable and prosperous financial future.

Take back control & set up your Free Consultation by filling out this for!

***FOLLOW THESE INSTRUCTIONS***

1. Read the FAQ Below First.
2. Briefly explain your situation to us so we can understand and serve you best.
3. Tell us how you hope we can help you solve your problem.
4. How did you hear about us? – Type One (Friend or Family [most common], Google, Facebook, Instagram, TikTok, YouTube)

Want to skip straight into getting approved instead? Fill out our quick and easy online application!

1. Can you approve someone with SSI or Fixed Income?
A. Yes, however, because it tends to be limited and our goal is to get you a comfortable payment, it will likely mean you will need a higher down payment.

2. Can you approve someone with self-employment?
A. Yes, as long as we can verify your earnings. However, we do not provide auto loans for rideshare self-employment (uber, door-dash, etc.) or anyone intending to use the vehicle for business use.

3. What if I am currently unemployed?
A. Without employment or steady income, we would be unable to get you approved for a vehicle.

4. Do you work with anyone outside of the Fresno, CA area?
A. No. At this moment, we only serve residents local to the Fresno, CA area (Fresno +20 miles).

We work on an appointment basis only to devote our full attention, preparation, and time to you.

3910 E Belmont Ave Fresno CA 93702

Phone: (559) 444-0123

Email: westlandautosales@gmail.com

Hours of Operation: Monday – Saturday 9 AM – 6 PM & Sundays 10 AM – 5 PM