Buying at the Dealership vs. Buy Here Pay Here Lot

Beaver Toyota Used Car Lot

Flexible Finance Options/How to buy a car using credit:

At Beaver Toyota of Cumming, we understand that life happens, and sometimes situations beyond your control can negatively affect your credit. As you know, with challenged credit, it can be more difficult to finance a vehicle. Here at Beaver Toyota, we have finance specialists who will work with you to help you find the best possible loan so that you can buy the car that fits your needs, lifestyle & budget. See the bottom of the finance page for our wonderful Finance specialists who will take great care of you. (Se habla espanol tambien, y tenemos un equipo de financiamento hispano si esta mas comfortable haciendo todo in espanol).

Our finance specialists will help you check your credit score and review your credit history to see how they can best help you. You can also obtain a free copy of your credit report from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion) once a year at annualcreditreport.com. This will give you an idea of what potential lenders will see when they review your credit application.

Additionally, if you are approved for a loan, it’s an excellent way for you to begin rebuilding your credit. We’d like to help you get back on the road to better credit, which will lower your borrowing cost over time.

Here are some of the more commonly asked questions about financing a car:

What will my monthly payments be? 

The factors that make up your car payment amount include:

  • The car price.
  • Any amount that is applicable if you have a trade-in.
  • Your down payment.
  • Interest rate.
  • The number of months financed.

What type of Car or Truck will I be able to buy?

Depending on your credit score, income, and down payment, we can help you find the maximum amount you can borrow on your loan to get you the vehicle that best fits your budget & lifestyle.

How is Beaver Toyota different than A “Buy Here, Pay Here” Lot?

“Buy Here, Pay Here” lots often carry older vehicles with higher mileage. They often do not use CarFax or another reputable source to tell you the history of the vehicle you are buying. Buy here, pay here lots may or may not accept your trade, leaving you with having to sell a car before purchasing your next one. Plus, Beaver Toyota has a huge selection of all makes and models of preowned & New Toyota vehicles, whereas Buy Here Pay Here lots typically have very limited inventory.

Please click HERE to start the credit pre-approval process. We look foward to helping you find your next vehicle!