When you apply to buy and finance a car at a standard-type car dealership, you choose the vehicle you want and complete the necessary paperwork. The dealer then typically shares your application with a network of third-party lenders, who like to see FICO scores above 600 before they approve your credit application.
Byrider in Milwaukee is a buy here, pay here dealership. We do our financing in-house, so we decide on car loan approvals. Our approach to your credit score differs from that of a traditional dealership. It’s a number that doesn’t define you or your ability to repay a car loan, which matters to us. Generally, no specific credit score is required at a Byrider dealership. We focus more on your ability to repay the loan than on your past credit history. We can even work with you if you’ve had a past bankruptcy, repossession, or delinquency that would automatically disqualify you at a traditional lender. Our team will make a bad credit car loan for you based on other factors like proof of income you can provide with current pay stubs, a stable employment history, proof of residency, such as a utility bill showing your name and address, and sometimes, we might ask for references from people who know you well.
Visit Byrider, where you don’t need a good credit score to purchase a car. While a credit score isn’t the driving factor to get approved for an automobile loan at Byrider in Milwaukee, you should still understand your budget and know what you can afford to pay monthly before starting your journey to car ownership. The team at Byrider can help you choose the perfect car, truck, or SUV that meets your needs, fits your style, and fits your budget so that you can make payments on time. Buying a vehicle from us will also help rebuild your credit history and FICO scores. We report your timely payments to the three major reporting agencies that traditional lenders use to determine if they should approve you for an automobile loan or other large purchases. Better scores give you more opportunities in the future to buy a home, furniture, or recreational vehicles. Another benefit of purchasing a vehicle from Byrider is the warranty and optional service agreement available for every car, truck, or SUV we sell. We have certified mechanics carefully inspect each vehicle for safety and reliability to ensure you can enjoy driving for miles to come. We also have on-site service facilities for routine oil changes, tire rotations, and anything else your vehicle needs to run at peak performance.
While your credit score is an essential indicator for traditional lenders, you don’t have to let credit challenges prevent a future purchase, because at Byrider in Milwaukee, we don’t require a perfect score. Our approval process is fast because we do the financing in-house, without having to follow the terms required by banks. Our prices are competitive, and we work to keep down payments low, so you can drive home today in your dream vehicle and keep money in your wallet. Your credit score is not the only factor involved in the approval process at Byrider in Milwaukee. Your job, monthly expenses, proof of residency, and how much you can afford will drive the decisions on what type of financing and the terms we can offer, not your credit score. When you need a vehicle now, remember that while traditional dealerhips that use outside financing sources will expect at least a FICO score of 600. Not at Byrider! Everyone should be able to drive a safe and dependable vehicle, regardless of their credit score. Visit us today, and drive away happy.