You’ve probably flipped on the TV at some point and come across a car dealership commercial. And you may have even come across a car commercial where the dealer talks about the dealership being a “buy here pay here.” But did you really know what that meant? If you have bad credit or no credit, you might want to know.
At a buy here pay here dealership, cars are both sold and financed. That means that when you go to buy a car from a buy here pay here dealership, you will both pick out your car on the lot and receive financing for that car through the dealership itself (if approved). Think of it as a one-stop shop for all your car buying needs: you get both the car and the loan from the same place.
Why Not Just Go to a Traditional Dealership?
Buying a car is probably one of the most intimidating experiences a person will ever have—and that’s true even if that person has good credit. But what about people with bad credit? When you shop at a traditional dealership, how does a different credit score lead to a different experience?
For one thing, traditional dealerships are much less likely to approve a car loan for someone who has bad credit or no credit. That’s because they offer financing through third-party banks or other financial institutions, and it’s totally up to the banks to decide whether to approve a loan application. No matter how well you’re getting along with your dealer at the car lot or how much he wants to help you, he has virtually no control over whether a bank will approve your loan application. (And, if you have a bad credit score, it’s unlikely it will!)
Buy here pay here dealerships like J.D. Byrider recognize that this can cause a whole slew of problems for folks who may have past credit mistakes but still need a car to meet the demands of their daily lives. So we are proud to help our customers out by making it easier to get financed for a vehicle. But how do we do that?
Since buy here pay here dealerships provide financing in-house, that means we don’t have to deal with any third-party banks when trying to get you approved for financing. Because of that, we have a lot more control over whether you get approved—as well as what your loan terms look like. So even if you have bad credit or no credit, there’s no need to panic when you walk into one of our dealerships. Our Roanoke J.D. Byrider may be able to get you financed and on the road, and we want to do our best to work with you!
The J.D. Byrider Difference
There are a lot of buy here pay here dealerships out there, so why should you choose J.D. Byrider over the competition? Here are a few things that make us stand out ahead of the others:
• Easy, on-site credit approval process
• Affordable payments scheduled on your paydays
• 92-point quality inspection
• Services, computer-tested and reconditioned cars
• Clean-title verified
• 36-Month / 36,000-Mile Limited Warranty
• Low-cost service and repairs—often the lowest in town
• We help put you in a position to improve your credit
A Fleet of Quality Vehicles: Take Your Pick!
We’re not in the business of selling clunkers here at J.D. Byrider. We make sure all our vehicles look great and run like a top. How?
We want you to feel the confidence of driving a car you really love, and we recognize that everyone has different tastes. That’s why we always keep a solid inventory of a variety of vehicles on our lots. Because of that, you can be sure to find a vehicle you love at your Roanoke J.D. Byrider.
But a pretty car isn’t worth much if it doesn’t run! That’s why we put our vehicles through a thorough inspection before they hit the lot. And to give you even more peace of mind about your vehicle purchase, we offer a 36-month / 36,000-mile limited warranty with each one.
Clean Title Verified
Used cars have a history—and that can sometimes be scary to think about. But here at J.D. Byrider, you can put your restless thoughts to bed knowing that each vehicle is clean title verified. We check all our vehicles’ titles with sources like Carfax and Autocheck, and you can drive away knowing that your car doesn’t have any sketchy history; we don’t sell cars with salvaged, restored or rebuilt titles.
Great Deals on Quality Service
Driving a J.D. Byrider car opens the door to some pretty exclusive deals and services—all to be found at our in-house service garages. But what does it mean for you that we only service J.D. Byrider customers in our garages?
It means you’ll save some cash when you get your car serviced through us, which helps lower the overall cost of owning a vehicle. We offer lower hourly service rates than other garages, so you can swing by for repairs knowing that you’ll be getting the most bang for your buck.
But if that isn’t enough to entice you, there’s more. Because of our partnerships with suppliers like AutoZone, we can save you money on parts!
Still, we understand that taking your car to the garage is one of the last things anybody wants to do. It takes time and money and is an enormous inconvenience. So to try to save you from the hassle of all that, we take some proactive steps to make sure your vehicle is miles and miles from having to go to the garage. A 92-point inspection is performed on each vehicle before it hits the lot, and a few of the things we check are:
• Engine mounts, oil and filter, leaks and the intake manifold
• Seatbelts, spare tire, airbag warning lights and the interior and exterior mirrors
• Heating and A/C systems, along with the control knobs and switches
• Frame, underbody and the hood, trunk and gas releases
• Electrical system, including headlights and taillights and the turn signals
• Transmission, suspension, steering, fuel and braking systems
A Range of Payment Options
Today’s digital world has made us demand convenience in our transactions—including paying bills. J.D. Byrider is proud to offer a variety of ways to make your payments, including:
• By phone
• By text
• Western Union
• Automatic withdrawal
• Mobile app
Any of these methods makes it easy to make your payments on time, but an automatic withdrawal plan makes it virtually effortless. You don’t even have to think about when to submit your payments; we can work with you to schedule payments to be automatically withdrawn on your paydays. What that means for you is that you can pay your bills without a thought (and, in the process, build up your credit score)!
An Opportunity for Better Credit
As you can see, there are several good reasons to buy your car from J.D. Byrider. But we can give you more than just a great new car; we can also give you the opportunity to improve your credit standing and build a better financial life.
If you’ve got bad credit or no credit, you may have found out by now that trying to buy a car from a traditional dealership is a hopeless battle that often ends in defeat. This can be especially stressful if you urgently need a car, but it can also be stressful if you’re trying to use your auto loan to break the cycle of bad credit holding you down. Without approval for any new loans to finance large purchases, you may never get a chance to show the credit bureaus that you’re able to handle debt responsibly, and your credit score may never increase.
And while other buy here pay here dealerships may get you approved, they might not report your payment activity to the credit bureaus. That means your credit score won’t go up, even if you are making full, on-time payments. At J.D. Byrider, we believe you should be recognized for the payments you make on your auto loan so that you can reap the benefits. That’s why we report your payment activity to the major credit bureaus. And if you make your payments on time and in full, your credit score will gradually increase.
So why does a credit score matter, anyway? It’s much more important than you might think. When you have good credit, more opportunities are available to you—opportunities like opening new credit cards, getting better interest rates on future and existing loans, opening a business of your own, or even buying a home. J.D. Byrider wants to help you on your way to those opportunities.
Before You Drive Off…
Imagine it. You’ve been approved for financing, you’ve chosen out a fantastic new ride, and you’re hopping into the driver’s seat to drive it home. Before you go, there are a few things we like to remind you of:
• All our vehicles receive a fresh oil change and a new filter.
• We replace any excessively worn tires.
• We always conduct the factory-recommended service based on the vehicle’s mileage, so you can drive knowing you’re fit for the road until the next time your vehicle needs routine servicing.
• You can bring your vehicle back to J.D. Byrider to get repairs done at an affordable price.
• All oil changes will be around $10 to help you stay on top of your maintenance and within your budget.
What to Bring
If you’re ready to drive your J.D. Byrider car on the road to better credit and a better life, stop by your Roanoke J.D. Byrider and bring:
• Your valid driver’s license
• Your most recent pay stub
• Your most recent utility bill, to establish proof of residence
• Down payment
• Contact information and addresses of references
• Trade title, if you have a trade-in
What’s the Chatter about J.D. Byrider?
We’ve been in business for years—over 25, to be exact—and that’s because we keep our customers happy and excited to talk about their J.D. Byrider experience. So we wanted to give our customers a platform where they can share their J.D. Byrider stories with the world. You can visit JD-Byrider-Reviews.com to see for yourself how we can make a real, positive difference in people’s lives.
Drive Away to a Better Life
Ready to work with J.D. Byrider to get yourself behind the wheel of a great vehicle and into a better credit situation? Stop by your Roanoke J.D. Byrider today!