What Are In-House Financing Car Dealers?

Signing Finance Documents for Car

If you’re looking for flexible financing solutions that will fit any budget, it’s worth the effort to seek out dealerships offering in-house car financing. What are in-house financing car dealers? In-house financing cuts out the middle man, so you gain the benefits directly. Instead of paying a bank, you make your payments through the dealership. And while you’ll still need lender approval, it’s often much easier to get approved through dealer financing then the alternatives. Find out why in-house financing just might be your perfect financing solution, and get more car buying tips with Auto Maxx.


In-House Financing Car Dealers

Let’s dive a little deeper into how dealer financing works. When you choose in-house financing, also known as “buy-here, pay-here”, you are borrowing money from the car dealership itself. Because the dealership gets to set their own approval requirements for car loans, this can be a huge help for those who have poor credit. Dealer financing offers more flexibility, which means a better chance at securing the financing options that you want in Kalamazoo.

Benefits of In-House Financing

There are many reasons why drivers in Comstock and Parchment opt for dealer financing over the alternatives. The process is much faster, since the dealership takes care of the work themselves, and that means you can get into your new car faster. But, that’s not the only benefit:

  • Easier pre-approval
  • Extended warranties
  • Flexible interest rates
  • Higher credit score

Important Details of In-House Financing

So, can I finance from a dealer? Absolutely, but be sure to pay attention to the fine print before you make your final decision. Not all in-house financing options are the same, so it’s a good idea to keep an eye out for the following red flags:

  • They allow you to leave the lot before agreeing on the payment term.
  • They don’t report to an official credit bureau.
  • They claim your financing plan fell through and you must provide more money.
  • Pay attention to the terms ”approved” vs. “approval.” If the manufacturer approves the dealer, this indicates a higher standard of quality. “Approval” does not necessarily meet the same criteria.

Get Quality Finance Advice with Auto Maxx

Financing a new vehicle can feel overwhelming, but the team at Auto Maxx can help you determine the best plan for your unique wants and needs. Contact us to learn more about your options, and apply for financing at your convenience. You can also stop by Kalamazoo to chat in person!


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