Many drivers find themselves getting proverbially "bit" in the future by their past financial mistakes in the form of low credit scores. Credit scores reflect overall financial risk associated with lending to a particular consumer. Businesses don't know every person in the world, their behaviors, activities, and habits. As such, they must use objective financial metrics from independent, third-party credit agencies that provide them with credit score, report, and history.
Because credit scores can span back decades, they might not always appropriately represent their respective consumers. Nearly every household in the United States has a working motor vehicle, tallying up to an astounding 95 percent of American families. When it comes time to purchase a new vehicle, consumers with bad credit scores often seek out buy here, pay here car lots. These car lots help consumers in dire financial situations find financing for vehicles, something many dealerships aren't willing to do.
Our pre-owned, buy here, pay here car lot helps hard-working Pennsylvania drivers obtain the vehicles they so desperately need to carry out regular, everyday functions like work, school, church, and grocery store trips. Our customer service representatives are skilled, helpful, and friendly, spread across the four Pennsylvania cites our pre-owned dealership is located in. Come find affordable, well maintained and reliable vehicles -- from cars to crossovers, full-sized SUVs to vans and trucks -- at our locations in Mifflintown, Carlisle, Chambersberg, Selinsgrove, and Williamsport, spread all around to match consumers in nearly every corner of the Quaker State.
To most closely meet the needs of those with little disposable income or ravaged credit scores, we accept trade-ins for credit towards other vehicles. Even better, we pre-approve every single consumer that walks through our doors, no matter how many credit cards they've maxed out, student loans they've defaulted on, or cars they've failed to pay back in the past.
Arguably the most positive service we provide is our buy here, pay here business model. Other dealerships require hefty down payments, detailed credit checks, and aren't afraid to turn down prospective customers with less-than-perfect credit scores, families with low disposable incomes, and other characteristics that don't meet their mountain-high standards. However, we don't put customers through this worry because it's part of how we do business. While other dealerships require big banks to finance their car loans, we do all financing in-house at our five locations. Rather than selling your debt to a third party or outsourcing it to a financial institution, we receive your payments directly, in turn reducing unnecessary financing fees. This means that you can start to build credit or improve it over time.Â
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