Get Ahead by Getting Behind the Wheel of a Used Car


Woman in a jean jacket smiling out the driver's side window of a black vehicle with her right hand on the wheel


It is no secret that a good portion of America’s population has fallen on hard times. When our own government can’t keep a balanced budget, it should not be surprising that more and more citizens are having money troubles. Financial hardship can be one of the most gut-wrenching, stress-inducing experiences we come across in our lifetimes. During these hard times, it can be tricky to keep food on the table, let alone a car in the driveway. If you are going through a rough patch with your current money situation, it should not stop you from living your life. Worrying about how you will get to and from work, drive to the store, or pick your kids up from school, only adds to your stress. Having reliable transportation is a must when trying to rebuild, which is why it is important to realize that it is possible to buy a car with bad credit.

Despite what you may have heard from other dealerships, buying a car when you are down on your luck can help you rebuild your credit history, and get you back on track for future financial security. Getting ahead of your current situation is vital to getting back on your feet – and one of the best and most tangible ways to do that, is to purchase a used car.



If you are like the millions of Americans who need a reliable car, but who suffer from poor credit, then you have likely heard your fair share of “no” from local dealerships. This two letter word elicits such strong emotions and negativity, that it can be hard to recover from. Hearing it over and over again only adds fuel to the already burning fire, making it harder to bounce back with confidence.

How is it actually possible to get ahead by buying a car, when everywhere you have gone has denied you? The answer is quite simple, and may surprise you. A buy here pay here dealership is an exceptional option for people who need to purchase a car, but can’t because of bad credit. These dealers work with you to provide you with the best possible loan and payment structure suited to your individual needs. These dealerships will even work around your individualized payroll calendar, to help make payments easier.

What you may not know, is that a lot of reputable dealerships have the option for customers to utilize the buy here pay here loan format. Here at McCluskey, we offer drivers this option, and can help you rebuild while you get behind the wheel of a used Chevy, or other vehicle that works for your lifestyle. Rather than risk going with a used car lot that seems “too good to be true,” we give people the option to get a real loan from a reputable and reliable establishment. Our buy here pay here department doesn’t just help you get the keys to your very own dependable transportation, it also helps you rebuild your finances in a tangible way.


Why A Used Car Can Help Rebuild Credit

There are many theories out there for how to rebuild credit. Taking out credit cards, extra loans, buying a house – these are all options that can help with your credit score over a period of time. While these might help down the road, one of the quickest and most effective ways to get that score back to where it needs to be, is by purchasing a used car. Why a car, and not the other items listed above? Let’s take a look at a few of the reasons why we believe buying a car is one of the most effective ways to rebuild credit.

  • Practical: Out of all of things you can buy to help restore your credit, fewer things are more practical than a car. A car is a mode of transportation that can take you from home to work, and can mean the difference between landing the job you need, or getting passed over for someone who owns reliable transportation. A used car also helps you run errands, keep your pantry stocked, and bring your kids safely to and from school. A new speed boat may help rebuild your credit, but in terms of day-to-day practicality, that purchase gets a big fat “F.”
  • Attainable: Buying a used car is not free, and there are obvious costs associated with it. A used car loan can be minuscule compared to other purchases, which makes it more attainable for individuals with bad credit. A house is indeed needed to live in, but securing a home loan with poor credit can be next to impossible. It also requires much larger payments than a used car, and is a much more substantial commitment to your life.
  • Realistic: When trying to rebuild your credit, it is important to be realistic. Buying a car that requires large monthly payments can not only be daunting, but can have the opposite result if you end up making late payments, or missing them altogether. Staying within your means now can return greater flexibility in the future. You may not get the latest and greatest new car, but making sacrifices today will pay off in the long run.
  • Responsible: If you are serious about upping your credit score, buying a used car with a buy here pay here loan might be the most responsible way to make that happen. Racking up thousands of dollars on the credit card to pay off later might seem like more fun, but will only leave you with piles of things you don’t need, and mountains of bills you can’t pay.

Walking into a loan situation with poor credit can be daunting, but it doesn’t have to be. Dealerships like McCluskey truly want to help people restore their financial security, by providing them with reliable transportation and the loan they need to get it. Don’t fall further into a bad credit situation by getting trapped into a mountain of credit card debt, or by purchasing a house that needs endless repairs. Instead, secure a buy here pay here loan and drive confidently into the future, with your financial troubles left to fade from the rear view mirror.