Indianapolis’ ‘Buy Here Pay Here’ Solution

What is Buy Here Pay Here?

Many banks, credit unions, and third-party auto lender are restricted, beholden to the established conditions for approving financing. Recognizing that most consumers require the assistance of financing in order to purchase vehicles, Buy Here Pay Here dealers were developed as a means of granting that assistance.

By stepping into the role of the lender, dealers are able to eliminate the lending institution as an intermediary. Lending directly to, and receiving payment directly from their customers, dealers are able to guarantee to finance to those customers. And with regular on-time payments made (and reported to the credit bureau) dealers are able to provide their customers with the first step in repairing their credit.

For many credit-challenged customers, Buy Here Pay Here can be the perfect solution. It all comes down to finding the right, reputable dealer.

Addressing the Elephant

We’ve seen them too. From newspaper articles to televised reports, there have been countless Buy Here Pay Here dealerships exposed for their bad practices. Ranging from limited inventory to arbitrarily high-interest rates, unreported payments to unjustified repossession, these are unforgivable transgressions.

Buy Here Pay Here dealerships are intended to help customers, not to prey on them. At McCluskey Auto we take great pride in the steps we take to empower our customers, one vehicle at a time.

The McCluskey Difference

To be completely honest, it does not take much to open a car dealership: with the right financial backing, some paperwork, and an inventory to start with, pretty much anyone can become an auto dealer. With that in mind, it can be easy to assume that all dealerships are the same, with the same sort of inventory, the same financing process, similar types of salespeople, and the same overall approach to selling cars. In reality, however, there are huge differences between one dealership and another when it comes to the sort of experience you will have and the type of financing options available to you.

If your credit is not great, or you do not yet have much in the way of a credit history, then securing financing for your vehicle can be quite difficult. Here at McCluskey Auto, we put all of our resources at your disposal when it comes to looking for the right car, figuring out how to afford it, and enjoying your vehicle in the years ahead. It all starts with our inventory, which gives you a huge selection of vehicles to choose from at a wide range of price points. We know there is no one car that is perfect for everyone, so by offering a wide variety of models for you to shop from, it is easier to find the one that is right for you.

A big part of this is our patented Nationwide Search system, using our own special software, which gives us access to a massive network of more than 250,000 vehicles from all across the country. If we have the car you are looking for here at our dealership, then that is great – but if we do not, then it is easy for us to widen our search and put all of our energy into finding your new dream car. Even if your credit is not great and you are not sure what you can afford, we can utilize our incredible buying power and nationwide reach to show you a wide range of affordable vehicles to fit your budget.

Of all the things that set us apart from other dealerships, and there are too many to count, one that we are proudest of is our exclusive Free Lifetime Mechanical Warranty, which we provide on every new and used vehicle we sell. You do not pay a thing for this coverage, it is complimentary, and all you have to do is follow your schedule for oil changes to keep your vehicle in great shape. As long as you do that, then you get free coverage for as long as you own your vehicle, with no mileage limit. This warranty covers all the major parts of your engine and drivetrain, including the engine block, transmission, drive axle, gear cases, cylinder heads, and much more.

Extensive Selection

Cast aside your thoughts of some rural, roadside car lot with a handful of dust-covered beaters made available to those deemed unsuitable by slick, big city dealerships.

First things first, McCluskey Auto is proud of the fact that our customers come from all walks of life. With that in mind, we are equally proud of our ability to offer an equally wide-range of vehicles, ensuring the perfect vehicle for all budgets.

Whether you’re looking at cars and crossovers, SUVs or trucks, we invite you to come and explore our dealer inventory. We take great pride in knowing that buying from McCluskey Auto comes with an assurance of safety, reliability, and satisfaction.

And as a GM-certified dealer, we are glad to offer a variety of Certified Pre-Owned Chevrolet, Buick, and GMC vehicles. If you’re not familiar with GM’s Certified Pre-Owned program, we recommend that you take a closer look. In terms of added assurance, backed by both McCluskey Auto and General Motors, it doesn’t get much better.

Making Financing Easy

If you are looking into Buy Here Pay Here financing, then you probably have had some bad experiences with trying to buy a car in the past. Most people interested in BHPH options have poor credit or very little credit history, and you might have even been turned away from other dealerships because of this. If you have experienced this a time or two (or even more), then we understand that the financing process can seem impossible or fill you with dread. That is an unfortunate reality with a lot of other dealerships, but it is not what you will find here at McCluskey Automotive.

Instead, we work hard to make sure the financing process is as easy and rewarding for you as possible – it might seem strange for us to call it “rewarding,” but it really should be. Ultimately, financing is not a dirty word or something that should be designed to cause you anxiety; all it really comes down to is figuring out the best way for you to afford the vehicle you need. Everyone deserves a great car, truck, or SUV, and with financing that fits your budget and lets you sleep at night.

It all starts with our easy online financing application process, which lets you get started right now from the comfort of your own home or while on your break at work. The process is simple, requires only a little bit of information, and is a pre-qualification application that will not affect your credit score at all, so you do not have to worry about too many hits on your credit at once. This is a great place to start that helps you figure out what kind of financing you can get, along with other tools that let you look at payment calculations for different models, valuate any trade-in you have, and more.

Whether you have questions about our easy online financing application or you simply prefer the personal touch, our financing experts are here to help you with everything you need. We have seen pretty much everything you can imagine when it comes to financial situations and credit history, so you do not have to worry about the unexpected. Our Guaranteed Credit Approval program is even better than the BHPH options you will find at other dealerships because it puts you on the road to fixing your credit. Getting the right financing not only means you end up with a fantastic vehicle, but it can help you repair poor credit or build a new credit history.

The First Step to Repairing Your Credit

For a lot of people, the process of repairing or building credit can seem like an impossible struggle or an indecipherable maze of confusion. Unfortunately, some other car dealerships and businesses like it this way because it allows them to have a position of power over you when you are trying to figure out financing. The good news, however, is that you do have people on your side who are ready to help you rebuild your credit and make the right moves toward a brighter financial future.

One of the easiest ways to improve your credit is to get a car loan and make all of your payments on time, every time. That might seem a bit contradictory for some since loans are a form of debt, and we are all taught that debt is bad and leads to bad credit. In reality, uncontrolled debt, or owing more than you can possibly pay back, is certainly a bad thing and often results in people getting into trouble. Some debt, that you can manage and pay back on time, can be helpful for building good credit – especially something big like a car loan.

Your credit history and score is all about showing potential lenders that you can be trusted to pay back what you owe. So when we work with you to finance your next vehicle, we are helping you to find a lender willing to trust you with their finances. As you pay that loan back, you are demonstrating that the trust was well-placed; every payment you make slowly but surely builds positive credit for you. It can take awhile, but it is worth it.

The key, however, is to always make your payments and to make them on time. Do everything you can to not make a late payment and work hard to never miss a payment – we know this can be difficult with the uncertainty in life, but it really is vital. Making your payments on time will rebuild your credit, and you will find it even easier to get great financing for your next car.

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