Buy Here Pay Here Financing
Brenner Car Credit is a great place to buy and finance a car. Our Buy Here Pay Here in-house financing policy helps ensure we get the car you want, even if you have poor or scant credit. You see, we finance cars based on your current data rather than your credit score. We'll ask you for a few pieces of information, including:
- A recent bank statement
- Two most recent paystubs
- Social Security card
- A piece of mail confirming your address
- Copy of your lease or mortgage agreement
- 6 Personal references
We will work with you to identify how long you've worked at your current position, how long you've lived at your current residence, what bills you pay each month and your debt-to-income ratio. Normally, we pull your credit report to help identify and verify this information.
Financing Terms That Fit Your Budget
Brenner Car Credit knows that monthly payments can be difficult for many consumers, so we use weekly billing to keep each payment low. Weekly payments range from $90 to $105/week and loan terms are 3.5 to 4 years (182 to 208 weeks). We also know that many of our customers don't have a lot of cash for a down payment. That's why our minimum down payment is only $199, with higher tiers of $499 and $999. Best of all, we roll all the tax, tag and Penn DOT fees into the loan, so you won't be hit with surprise costs.
Applying for financing should not be a long, drawn-out affair. We can usually wrap up the deal within an hour. It takes about 20 to 25 minutes to fill out the application and another 20 minutes or less to confirm the financing.
Everyone Deserves a Good Car
Our Finance Department knows anyone can experience financial difficulties that can reduce your credit score. We aren't interested in your credit score, we are interested in giving you a second chance to re-establish your good credit.
To that end, we are geared to helping you succeed paying off your car loan. We always remind you when a payment is due and follow up with you personally if a payment is late. One of our very experienced agents will call upon you to iron out late payments and find the options that work best for you. We report your payments to one of the major credit bureaus to help you rebuild your credit. In every way possible, we work with you, not against you. Visit one of our dealership locations today and see for yourself how easy we make it for you to drive off with a quality car!
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