Index
Elkhart: 574-264-1001 
Goshen: 574-971-8484 
Contact Information

Do You Need Credit To Buy A Car?

Get Credit at Elkhart, IN


Image
Image

Do You Need Credit To Buy A Car?

Searching for a car can be challenging, especially if you have poor or no credit. After getting turned away from many dealerships for your credit, you may even start to get frustrated with the car search. After getting turned away so much, you are likely wondering if you can buy a car without using your credit score. Fortunately, buy here pay here lots near you offer a solution for car buyers with poor credit.

As a buy here pay here Goshen car dealer, we at USA-1 understand the challenge that can come with trying to find a car without credit. For this reason, we have compiled a list of six highlights of buy here pay here dealerships and how you can best take advantage of these no-credit dealerships.

1. Caters To Buyers With Little To No CreditThe first thing to understand about buy here pay here car lots near you is that they primarily cater to people with little to no credit. With this being said, there are a few things you should know about these dealerships that makes them different from typical dealerships. Below, you can find out more about buy here pay here dealerships.

2. How Do They Determine Eligibility?At buy here pay here dealerships, like USA-1ís Goshen car dealer, eligibility for a car loan is determined using different factors other than credit. This makes it possible for these dealers to serve people in poor credit situations. The following list details the factors used besides credit:

  • Monthly Income
  • Proof Of Residency
  • Down Payment
  • If you are in the Goshen area and interested in your eligibility for a car loan, donít hesitate to visit USA-1 to browse our used cars near Goshen, IN, to discuss car loans.

    3. Streamlined ProcessThe next thing to note about buy here pay here dealerships, such as USA-1ís car dealership in Goshen, Indiana, is that the process is much more streamlined compared to the normal dealership experience. This is because everything to do with financing is completed in-house at the dealership. Rather than dealing with multiple lenders at a regular car dealer, this simple process allows you to easily close the deal on a car and drive it off the lot on the same day.

    4. Positive Impact On CreditWhether you are taking out a loan on a house or a car, loans will always have a positive impact on your credit as long as you make payments on time. Despite the fact that they donít check credit, even loans at buy here pay here car lots will help you out of a low credit situation. However, you should still keep in mind that missing payments or making late payments will negatively affect your credit.

    5. Trade-Ins And Down Payments Can Save You MoneySuppose you have your eye on the perfect used SUV for sale, but itís just out of your price range. Fortunately, there are a few solutions that can save you money at USA-1ís Goshen car dealer or anywhere else. The first thing is down payments, which can help to lower your monthly payments and initial fees on a car. Aside from this, you should also consider a trade-in if you have an old car that youíre trying to replace. This could potentially make up for the amount you needed for your dream SUV.

    6. Limited Selection Of VehiclesThe final thing you should understand about buy here pay here dealerships is that you may be confined to a limited selection of vehicles. This is because buy here pay here dealerships determine which cars you can buy based on your financial eligibility. With this being said, you should still aim to find a dealership with vehicles that suit you. For example, if you need a truck to tow something, you should find a dealership that specializes in used trucks near you. being said, you should still keep in mind that a down payment will help you save money, lowering your monthly payments and initial fees.

Page  1  2  3
Exterior: 
Gray
Interior: 
Beige 
Mileage:
33,215
Engine:
4cyl, 2.0L, 147.0hp
Model #: 
48412F45
VIN:
KMHD74LF6JU523999
Stock #:
523999
Internet Price:  
$15,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 523999 a 2018 Hyundai Elantra SE is ready to go with only 33,215 Miles along with a Galactic Gray Metallic Exterior and a Beige Fabric Interior.Some of the Elantra more desirable features include...   Read More
Exterior: 
White
Interior: 
Charcoal Black 
Mileage:
83,592
Engine:
4cyl, 1.6L, 173.0hp
Model #: 
U0G
VIN:
1FMCU0GX3FUB04466
Stock #:
B04466
Internet Price:  
$12,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# B04466 a 2015 Ford Escape SE is ready to go with only 83,592 Miles along with a Oxford White Exterior and a Charcoal Black Fabric Interior.Some of the Escape more desirable features include Satellite...   Read More
Exterior: 
Purple
Interior: 
Black 
Mileage:
47,659
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
53222
VIN:
5XXGT4L32LG409686
Stock #:
409686
Internet Price:  
$17,900
In Need of Dealer Direct Financing in Elkhart ? Then Stock# 409686 a 2020 Kia Optima LX is ready to go with only 47,659 Miles, along with a Sangria Exterior and a Black Fabric Interior.Some of the Optima more desirable features include Lane Departure Warning, Cross Traffic Alerts, Alloy Wheels,...   Read More
Exterior: 
Silver
Interior: 
Jet Black 
Mileage:
97,224
Engine:
4cyl, 1.5L, 160.0hp
Model #: 
1ZD69
VIN:
1G1ZE5ST5GF255127
Stock #:
255127
Internet Price:  
$14,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 255127 a 2016 Chevrolet Malibu LT is ready to go with only 97,224 Miles along with a Silver Ice Metallic Exterior and a Jet Black Fabric Interior.Some of the Malibu more desirable features include...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
86,263
Engine:
6cyl, 4.3L, 285.0hp
Cab Type: 
Extended Cab Pickup
Model #: 
CK15753
VIN:
1GCVKREH0EZ169134
Stock #:
169134
Internet Price:  
$19,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 169134 a 2014 Chevrolet Silverado 1500 LT is ready to go with only 86,263 Miles along with a Black Exterior and a Jet Black Fabric Interior.Some of the Silverado 1500 more desirable features include...   Read More
Exterior: 
Black
Interior: 
Lt Frost Beige/Black 
Mileage:
90,538
Engine:
4cyl, 2.4L, 173.0hp
Model #: 
JSDE41
VIN:
1C3CDZCB7EN235190
Stock #:
235190
Internet Price:  
$7,995
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 235190 a 2014 Dodge Avenger SXT is ready to go with only 90,538 Miles along with a Black Clearcoat Exterior and a Lt Frost Beige/black Fabric Interior.Some of the Avenger more desirable features include...   Read More
Exterior: 
Black
Interior: 
Black Leather
Mileage:
34,627
Engine:
6cyl, 3.6L, 293.0hp
Model #: 
WKJP74
VIN:
1C4RJFBG5JC180285
Stock #:
180285
Internet Price:  
$29,900
In Need of Dealer Direct Financing in Elkhart ? Then Stock# 180285 a 2018 Jeep Grand Cherokee Limited is ready to go with only 34,627 Miles, along with a Diamond Black Crystal Pearlcoat Exterior and a Black Leather Interior.Some of the Grand Cherokee more desirable features include Automatic...   Read More
Exterior: 
Silver
Interior: 
Dark Ash with Jet Black Interi 
Mileage:
49,885
Engine:
6cyl, 4.3L, 285.0hp
Cab Type: 
Extended Cab Pickup
Model #: 
CK15753
VIN:
1GCVKREH3JZ138910
Stock #:
138910
Internet Price:  
$29,900
In Need of Dealer Direct Financing in Elkhart ? Then Stock# 138910 a 2018 Chevrolet Silverado 1500 LT is ready to go with only 49,885 Miles, along with a Silver Ice Metallic Exterior and a Dark Ash With Jet Black Interi Fabric Interior.Some of the Silverado 1500 more desirable features include...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
93,693
Engine:
4cyl, 2.4L, 184.0hp
Model #: 
KLJM74
VIN:
1C4PJMCB7FW773585
Stock #:
773585
Internet Price:  
$12,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 773585 a 2015 Jeep Cherokee Latitude is ready to go with only 93,693 Miles, along with a Brilliant Black Crystal Pearlcoat Exterior and a Black Fabric Interior.Some of the Cherokee more desirable features include Power...   Read More
Exterior: 
Red
Interior: 
Jet Black 
Mileage:
34,435
Engine:
4cyl, 1.5L, 170.0hp
Model #: 
1XY26
VIN:
2GNAXSEV6J6275646
Stock #:
275646
Internet Price:  
$22,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 275646 a 2018 Chevrolet Equinox LT is ready to go with only 34,435 Miles, along with a Cajun Red Tintcoat Exterior and a Jet Black Fabric Interior.Some of the Equinox more desirable features include Keyless Start, Alloy...   Read More
Exterior: 
Gray
Interior: 
Black 
Mileage:
40,613
Engine:
4cyl, 2.0L, 147.0hp
Model #: 
C3442
VIN:
3KPF34AD3KE024832
Stock #:
024832
Internet Price:  
$17,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 024832 a 2019 Kia Forte S is ready to go with only 40,613 Miles, along with a Gravity Grey Exterior and a Black Fabric Interior.Some of the Forte more desirable features include Multi-zone Climate Control, Continuously...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
29,995
Engine:
6cyl, 3.6L, 292.0hp
Model #: 
LXCH48
VIN:
2C3CCAAGXJH253852
Stock #:
253852
Internet Price:  
$24,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 253852 a 2018 Chrysler 300 Touring L is ready to go with only 29,995 Miles, along with a Gloss Black Exterior and a Black Fabric Interior.Some of the 300 more desirable features include Satellite Radio, Automatic Climate...   Read More
Exterior: 
White
Interior: 
Jet Black Leather
Mileage:
34,456
Engine:
6cyl, 3.6L, 335.0hp
Model #: 
1AH37
VIN:
1G1FD1RSGL0100903
Stock #:
100903
Internet Price:  
$29,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 100903 a 2020 Chevrolet Camaro 2LT is ready to go with only 34,456 Miles, along with a Summit White Exterior and a Jet Black Leather Interior.Some of the Camaro more desirable features include WiFi Mobile Hotspot, Multi-zone...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
48,100
Engine:
6cyl, 3.6L, 305.0hp
Model #: 
1GY69
VIN:
1G11Z5S34KU107300
Stock #:
107300
Internet Price:  
$18,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 107300 a 2019 Chevrolet Impala LT is ready to go with only 48,100 Miles, along with a Black Exterior and a Jet Black Synthetic Leather Interior.Some of the Impala more desirable features include Back-Up Camera, Multi-zone...   Read More
Exterior: 
Gray
Interior: 
Satin Black 
Mileage:
39,335
Engine:
6cyl, 3.3L, 290.0hp
Model #: 
74422
VIN:
5XYPGDA55KG441406
Stock #:
441406
Internet Price:  
$24,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 441406 a 2019 Kia Sorento LX V6 is ready to go with only 39,335 Miles along with a Gravity Grey Exterior and a Satin Black Fabric Interior.Some of the Sorento more desirable features include Blind Spot...   Read More
Exterior: 
White
Interior: 
Jet Black/Galvanized 
Mileage:
16,135
Engine:
4cyl, 1.4L, 153.0hp
Model #: 
1BR69
VIN:
1G1BC5SM1K7132829
Stock #:
132829
Internet Price:  
$17,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 132829 a 2019 Chevrolet Cruze LS is ready to go with only 16,135 Miles, along with a Summit White Exterior and a Jet Black/galvanized Fabric Interior.Some of the Cruze more desirable features include Turbocharged Engine,...   Read More
Exterior: 
Gray
Interior: 
Black/Red Leather
Mileage:
33,284
Engine:
6cyl, 3.6L, 283.0hp
Model #: 
JCEX49
VIN:
3C4PDDEG0JT389503
Stock #:
389503
Internet Price:  
$18,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 389503 a 2018 Dodge Journey GT is ready to go with only 33,284 Miles, along with a Granite Pearlcoat Exterior and a Black/red Leather Interior.Some of the Journey more desirable features include Alloy Wheels, Keyless Start,...   Read More
Exterior: 
Red
Interior: 
Black/Alloy Leather
Mileage:
33,691
Engine:
6cyl, 3.6L, 287.0hp
Model #: 
RUCH53
VIN:
2C4RC1BG4JR274274
Stock #:
274274
Internet Price:  
$25,900
Looking for the Best Buy Here Pay Here Solution in Elkhart ? Then Stock# 274274 a 2018 Chrysler Pacifica Touring L is ready to go with only 33,691 Miles, along with a Red Exterior and a Black/alloy Leather Interior.Some of the Pacifica more desirable features include Rear Parking Aid, Homelink...   Read More
Exterior: 
Gray
Interior: 
Black/Red Leather
Mileage:
48,843
Engine:
6cyl, 3.6L, 283.0hp
Model #: 
JCDX49
VIN:
3C4PDCEG3JT380482
Stock #:
380482
Internet Price:  
$17,900
Exterior: 
Black
Interior: 
Dark Galvanized/Light Galvaniz 
Mileage:
12,963
Engine:
6cyl, 3.6L, 308.0hp
Model #: 
1NR26
VIN:
3GNKBHRS3MS500407
Stock #:
500407
Internet Price:  
$34,900
Exterior: 
Blue
Interior: 
Black Leather
Mileage:
23,241
Engine:
4cyl, 2.0L, 255.0hp
Model #: 
H5312
VIN:
KNAE15LA8J6040892
Stock #:
040892
Internet Price:  
$26,900
Exterior: 
Black
Interior: 
Light Neutral Leather
Mileage:
31,083
Engine:
6cyl, 3.6L, 310.0hp
Model #: 
4ZB79
VIN:
1G4ZP5SS5HU161054
Stock #:
161054
Internet Price:  
$17,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 161054 a 2017 Buick LaCrosse Essence is ready to go with only 31,083 Miles along with a Black Oynx Exterior and a Light Neutral Leather Interior.Some of the LaCrosse more desirable features include...   Read More
Exterior: 
Blue
Interior: 
Jet Black Leather
Mileage:
45,412
Engine:
8cyl, 5.3L, 355.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
CK15743
VIN:
1GCUKSEC8HF205469
Stock #:
205469
Internet Price:  
$34,900
In Need of Dealer Direct Financing in Elkhart ? Then Stock# 205469 a 2017 Chevrolet Silverado 1500 LTZ is ready to go with only 45,412 Miles, along with a Deep Ocean Blue Metallic Exterior and a Jet Black Leather Interior.Some of the Silverado 1500 more desirable features include * REMAINING...   Read More
Exterior: 
Red
Interior: 
Jet Black 
Mileage:
34,532
Engine:
6cyl, 3.6L, 305.0hp
Model #: 
1GY69
VIN:
1G11Z5S31KU140013
Stock #:
140013
Internet Price:  
$18,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# 140013 a 2019 Chevrolet Impala LT is ready to go with only 34,532 Miles along with a Red Exterior and a Jet Black Synthetic Leather Interior.Some of the Impala more desirable features include *...   Read More
Exterior: 
Blue
Interior: 
Black Leather
Mileage:
39,897
Engine:
6cyl, 2.7L, 325.0hp
Cab Type: 
Crew Cab Pickup
Model #: 
W1E
VIN:
1FTEW1EP8JKF58345
Stock #:
F58345
Internet Price:  
$34,900
USA-1 Auto Sales Elkhart Is a Premiere Buy Here Pay Here Dealership! Let's take a look at Stock# F58345 a 2018 Ford F-150 XL is ready to go with only 39,897 Miles along with a Blue Exterior and a Black Leather Interior.Some of the F-150 more desirable features include * REMAINING FACTORY WARRANTY...   Read More
Page  1  2  3
View ArticlesSave ThisPrint ThisTell A Friend