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Is it better to get an auto loan from a dealership?


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Is it better to get an auto loan from a dealership?

USA-1 is the premier Elkhart car dealership for getting an auto loan. Our buy here pay here near you provides competitive rates, flexible terms, and a wide variety of options to fit your needs. From certain credit types to personalized services, USA-1's team of professionals can make sure you get the best deal on your car loan. Plus, we have a long history of working with customers to ensure satisfaction and peace of mind throughout the process. So if you're ready to get an auto loan, USA-1 is the trusted source for all your vehicle financing needs.

 

A buy here pay here dealership is an Elkhart car dealership that specializes in offering loans directly to customers, usually without the need for a credit check. Our type of dealership typically works with customers who have poor credit histories or no credit at all, and offers loans that are more accessible to bad credit customers than loans offered by other lenders. Our buy here pay here near you can be an attractive option for those looking to purchase a vehicle but do not qualify for traditional financing. With thorough research and due diligence, buy here pay here dealerships can be an excellent way to get financing when done correctly.

  • Lower Interest Rates: Our Elkhart car dealership has access to more competitive interest rates than other lenders, so you can potentially save money in the long run by getting your loan from a dealership.

  • Flexibility and Convenience: Our buy here, pay here near you offers more flexibility when it comes to financing options, allowing you to customize the terms of your loan to fit your needs. This means that you can get an auto loan near you that works for you without having to shop around for different lenders.

  • No Prepayment Penalties: USA-1 does not charge prepayment penalties if you pay off your loan early, meaning you could save money in interest on your used car for sale over time if you choose to do so.

  • Personalized Service: USA-1 offers an experienced team of professionals who are dedicated to helping their customers get the best financing for their Elkhart used cars, which can be especially beneficial for those with less-than-perfect credit scores.

  • Reliability and Trustworthiness: Our reputable buy here, pay here car lot is likely more trustworthy than some online lenders, so you can rest assured that we will make sure your financial information is secure and respected throughout the process.





 

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Exterior: 
Purple
Interior: 
Black 
Mileage:
68,149
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
53222
VIN:
5XXGT4L32LG409686
Stock #:
409686
Internet Price:  
$12,900
This used 2020 Kia Optima LX is for sale today at our dealership in Elkhart, IN.This front wheel drive 2020 Kia Optima LX features a Sangria Exterior with a Fabric Interior and has only 68,149 miles.TECHNOLOGY FEATURES: This Kia Optima Includes: Bluetooth Connection, Tablet docking station,...   Read More
Exterior: 
Red
Interior: 
Ebony 
Mileage:
78,898
Engine:
4cyl, 2.5L, 175.0hp
Model #: 
P0H
VIN:
3FA6P0H73JR174496
Stock #:
174496
Internet Price:  
$12,900
Exterior: 
Blue
Interior: 
Camel 
Mileage:
60,345
Engine:
8cyl, 5.4 L, 310 HP
Model #: 
U1J
VIN:
1FMJU1J58BEF26953
Stock #:
F26953
Internet Price:  
$12,900
This used 2011 Ford Expedition XLT is for sale today at our dealership in Elkhart, IN.This 4x4 2011 Ford Expedition XLT features a Dark Blue Pearl Metallic Exterior with a Fabric Interior and has only 60,345 miles.TECHNOLOGY FEATURES: This Ford Expedition Includes: WiFi Mobile Hotspot, Wireless...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
96,372
Engine:
4cyl, 2.4 L, 184 HP
Model #: 
KLJL74
VIN:
1C4PJMAB2HW611630
Stock #:
611630
Internet Price:  
$12,900
This used 2017 Jeep Cherokee Sport 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2017 Jeep Cherokee Sport 4x4 features a Diamond Black Crystal Pearlcoat Exterior with a Fabric Interior and has only 96,372 miles.TECHNOLOGY FEATURES: This Jeep Cherokee Includes: Wireless streaming,...   Read More
Exterior: 
White
Interior: 
Gray 2-Tone 
Mileage:
42,501
Engine:
4cyl, 1.6L, 130.0hp
Cab Type: 
4dr Car
Model #: 
B1512
VIN:
KNDJN2A2XK7016816
Stock #:
016816
Internet Price:  
$15,900
This used 2019 Kia Soul Base is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Kia Soul Base features a White Exterior with a Fabric Interior and has only 42,501 miles.TECHNOLOGY FEATURES: This Kia Soul Includes: Infotainment System, SiriusXM Satellite Radio, Bluetooth...   Read More
Exterior: 
Gold
Interior: 
Dune 
Mileage:
56,917
Engine:
6cyl, 3.5L, 288.0hp
Model #: 
P2D
VIN:
1FAHP2D81HG112745
Stock #:
112745
Internet Price:  
$15,900
This used 2017 Ford Taurus SE FWD is for sale today at our dealership in Elkhart, IN.This front wheel drive 2017 Ford Taurus SE FWD features a White Gold Metallic Exterior with a Fabric Interior and has only 56,917 miles.TECHNOLOGY FEATURES: This Ford Taurus Includes: Voice Command Features,...   Read More
Exterior: 
Gray
Interior: 
Black 
Mileage:
34,381
Engine:
4cyl, 1.6L, 130.0hp
Cab Type: 
4dr Car
Model #: 
B1512
VIN:
KNDJN2A29K7643457
Stock #:
643457
Internet Price:  
$15,900
This used 2019 Kia Soul Base is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Kia Soul Base features a Gray Exterior with a Fabric Interior and has only 34,381 miles.TECHNOLOGY FEATURES: This Kia Soul Includes: Infotainment System, SiriusXM Satellite Radio, Bluetooth...   Read More
Exterior: 
Black
Interior: 
Charcoal 
Mileage:
47,742
Engine:
4cyl, 1.8L, 124.0hp
Model #: 
12619
VIN:
3N1AB7AP7KY377360
Stock #:
377360
Internet Price:  
$15,900
This used 2019 Nissan Sentra SV is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Nissan Sentra SV features a Black Exterior with a Fabric Interior and has only 47,742 miles.TECHNOLOGY FEATURES: This Nissan Sentra Includes: Infotainment System, Keyless Start, Bluetooth...   Read More
Exterior: 
Gray
Interior: 
Black 
Mileage:
41,834
Engine:
4cyl, 2.4L, 173.0hp
Model #: 
JCDE49
VIN:
3C4PDCBB5KT856970
Stock #:
856970
Internet Price:  
$15,900
This used 2019 Dodge Journey SE is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Dodge Journey SE features a Gray Exterior with a Fabric Interior and has only 41,834 miles.TRADING IN? We will buy any make or model! We’ll pay top dollar for your vehicle even if you...   Read More
Exterior: 
Black
Interior: 
Light Putty 
Mileage:
51,617
Engine:
4cyl, 1.5 L, 181 HP
Model #: 
P0H
VIN:
3FA6P0HD1KR179347
Stock #:
179347
Internet Price:  
$15,900
This used 2019 Ford Fusion SE is for sale today at our dealership in Elkhart, IN.This fwd 2019 Ford Fusion SE features a Agate Black Exterior with a Fabric Interior and has only 51,617 miles.TECHNOLOGY FEATURES: This Ford Fusion Includes: WiFi Mobile Hotspot, Remote Engine Start, Keyless Start,...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
25,898
Engine:
4cyl, 2.4 L, 173 HP
Model #: 
JCDH49
VIN:
3C4PDCABXLT254066
Stock #:
254066
Internet Price:  
$15,900
This used 2020 Dodge Journey SE Value is for sale today at our dealership in Elkhart, IN.This fwd 2020 Dodge Journey SE Value features a Pitch Black Clearcoat Exterior with a Fabric Interior and has only 25,898 miles.TECHNOLOGY FEATURES: This Dodge Journey Includes: Keyless Start, Primary display...   Read More
Exterior: 
Blue
Interior: 
Jet Black 
Mileage:
24,022
Engine:
4cyl, 1.5 L, 160 HP
Model #: 
1ZC69
VIN:
1G1ZB5ST9JF170905
Stock #:
170905
Internet Price:  
$15,900
This used 2018 Chevrolet Malibu 1LS is for sale today at our dealership in Elkhart, IN.This fwd 2018 Chevrolet Malibu 1LS features a Blue Velvet Metallic Exterior with a Fabric Interior and has only 24,022 miles.TECHNOLOGY FEATURES: This Chevrolet Malibu Includes: WiFi Mobile Hotspot, Wireless...   Read More
Exterior: 
White
Interior: 
Jet Black 
Mileage:
73,485
Engine:
4cyl, 2.4L, 182.0hp
Model #: 
TLG26
VIN:
2GKFLSEK0G6294660
Stock #:
294660
Internet Price:  
$16,900
This used 2016 GMC Terrain SLE is for sale today at our dealership in Elkhart, IN.This all wheel drive 2016 GMC Terrain SLE features a White Exterior with a Fabric Interior and has only 73,485 miles.TECHNOLOGY FEATURES: This GMC Terrain Includes: WiFi Mobile Hotspot, Voice Command Features,...   Read More
Exterior: 
Other
Mileage:
7,428
VIN:
1HD1KDM18GB662821
Stock #:
662821
Internet Price:  
$16,900
Exterior: 
Gray
Interior: 
Charcoal Black 
Mileage:
33,118
Engine:
4cyl, 1.5L, 179.0hp
Model #: 
U9G
VIN:
1FMCU9GD9HUA89503
Stock #:
A89503
Internet Price:  
$16,900
This used 2017 Ford Escape SE is for sale today at our dealership in Elkhart, IN.This four wheel drive 2017 Ford Escape SE features a Gray Exterior with a Fabric Interior and has only 33,118 miles.TECHNOLOGY FEATURES: This Ford Escape Includes: Infotainment System, Voice Command Features, SiriusXM...   Read More
Exterior: 
Black
Interior: 
Charcoal Leather
Mileage:
29,671
Engine:
4cyl, 1.8L, 124.0hp
Model #: 
12319
VIN:
3N1AB7AP2KY207794
Stock #:
207794
Internet Price:  
$17,900
This used 2019 Nissan Sentra SL is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Nissan Sentra SL features a Black Exterior with a Leather Interior and has only 29,671 miles.TECHNOLOGY FEATURES: This Nissan Sentra Includes: Infotainment System, Premium Sound System,...   Read More
Exterior: 
White
Interior: 
Black 
Mileage:
18,344
Engine:
4cyl, 2.4L, 173.0hp
Model #: 
JCDH49
VIN:
3C4PDCAB1LT207444
Stock #:
207444
Internet Price:  
$17,900
This used 2020 Dodge Journey SE Value is for sale today at our dealership in Elkhart, IN.This front wheel drive 2020 Dodge Journey SE Value features a White Exterior with a Fabric Interior and has only 18,344 miles.TRADING IN? We will buy any make or model! We’ll pay top dollar for your vehicle...   Read More
Exterior: 
Blue
Interior: 
Gray 
Mileage:
48,438
Engine:
4cyl, 2.0L, 147.0hp
Model #: 
C3422
VIN:
3KPF24AD2KE060370
Stock #:
060370
Internet Price:  
$17,900
This used 2019 Kia Forte LXS is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Kia Forte LXS features a Blue Exterior with a Fabric Interior and has only 48,438 miles.TECHNOLOGY FEATURES: This Kia Forte Includes: Bluetooth Connection, Smart Device Integration,...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
46,259
Engine:
6cyl, 3.2 L, 271 HP
Model #: 
KLJE74
VIN:
1C4PJMLX6JD562734
Stock #:
562734
Internet Price:  
$17,900
This used 2018 Jeep Cherokee Latitude Plus 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2018 Jeep Cherokee Latitude Plus 4x4 features a Diamond Black Crystal Pearlcoat Exterior with a Fabric Interior and has only 46,259 miles.TECHNOLOGY FEATURES: This Jeep Cherokee Includes:...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
57,605
Engine:
6cyl, 3.6 L, 308 HP
Model #: 
12N53
VIN:
1GCHTCEN8H1329745
Stock #:
329745
Internet Price:  
$17,900
This used 2017 CHEVROLET COLORADO LT is for sale today at our dealership in Elkhart, IN.This 4x4 2017 CHEVROLET COLORADO LT features a Black Exterior with a Fabric Interior and has only 57,605 miles.TECHNOLOGY FEATURES: This CHEVROLET COLORADO Includes: Remote Engine Start, WiFi Mobile Hotspot,...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
30,227
Engine:
4cyl, 2.4L, 185.0hp
Model #: 
53222
VIN:
5XXGT4L3XKG350207
Stock #:
350207
Internet Price:  
$18,900
This used 2019 Kia Optima LX is for sale today at our dealership in Elkhart, IN.This front wheel drive 2019 Kia Optima LX features a Black Exterior with a Fabric Interior and has only 30,227 miles.TECHNOLOGY FEATURES: This Kia Optima Includes: Bluetooth Connection, Smart Device Integration,...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
46,993
Engine:
4cyl, 1.5L, 160.0hp
Model #: 
1ZC69
VIN:
1G1ZC5ST3LF107167
Stock #:
107167
Internet Price:  
$18,900
This used 2020 Chevrolet Malibu LS is for sale today at our dealership in Elkhart, IN.This front wheel drive 2020 Chevrolet Malibu LS features a Black Exterior with a Fabric Interior and has only 46,993 miles.TECHNOLOGY FEATURES: This Chevrolet Malibu Includes: Infotainment System, WiFi Mobile...   Read More
Exterior: 
Silver
Interior: 
Black 
Mileage:
34,613
Engine:
6cyl, 3.6 L, 283 HP
Model #: 
RTKH53
VIN:
2C4RDGBGXKR790379
Stock #:
790379
Internet Price:  
$18,900
This used 2019 Dodge Grand Caravan SE is for sale today at our dealership in Elkhart, IN.This fwd 2019 Dodge Grand Caravan SE features a Billet Clearcoat Exterior with a Fabric Interior and has only 34,613 miles.TECHNOLOGY FEATURES: This Dodge Grand Caravan Includes: All-in-one key, Digital Media...   Read More
Exterior: 
Black
Interior: 
Black/Light Graystone 
Mileage:
43,973
Engine:
6cyl, 3.6 L, 283 HP
Model #: 
RTKH53
VIN:
2C4RDGBG5KR781153
Stock #:
781153
Internet Price:  
$18,900
This used 2019 Dodge Grand Caravan SE is for sale today at our dealership in Elkhart, IN.This fwd 2019 Dodge Grand Caravan SE features a Black Onyx Crystal Pearlcoat Exterior with a Fabric Interior and has only 43,973 miles.TECHNOLOGY FEATURES: This Dodge Grand Caravan Includes: Digital Media...   Read More
Exterior: 
Red
Interior: 
Jet Black 
Mileage:
71,097
Engine:
4cyl, 2.0L, 275.0hp
Model #: 
1AG37
VIN:
1G1FB1RXXJ0179250
Stock #:
179250
Internet Price:  
$19,900
This used 2018 Chevrolet Camaro 1LT is for sale today at our dealership in Elkhart, IN.This rear wheel drive 2018 Chevrolet Camaro 1LT features a Red Exterior with a Fabric Interior and has only 71,097 miles.TECHNOLOGY FEATURES: This Chevrolet Camaro Includes: WiFi Mobile Hotspot, Remote Engine...   Read More
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