When it comes to buying a used vehicle, there are several options that you can explore. However, if you are looking for 500 down used cars or have poor credit, it may seem like you do not have many options. It is true that it will be difficult to find options such as used cars 500 down at a traditional dealership. The good news is that you can find great deals and get a car – even if your credit score is low – by looking at buy here pay here dealerships.

What Are No Credit Car Dealerships?

No credit car dealerships and buy here pay here car lots are two ways of describing the same thing. This type of dealership can help you get into a used car even if you have no credit or a low credit score. Buy here pay here dealerships can do this by providing financing in-house instead of using banks or other traditional financing options. This means the dealership can determine if you qualify for a loan based on factors other than credit score.


Buy here pay here dealerships can benefit you by helping you get into a car when other dealerships will not. In addition, financing a car through a buy here pay here lot is a way for you to start building your credit back up. Taking out a loan and paying the payments on time will eventually start improving your credit score.

Buying Process

The buying process will require you to provide some basic information and documentation. You will need to provide a valid driver’s license, proof of income such as a paystub, proof of residence such as an electric bill that was recently mailed to you, and eight references. You will work directly with the dealership to find a car and secure financing. Your credit score will not hold you back from getting financing when you choose to go through a buy here pay here dealership.

If you need a car but have poor credit, look for a buy here pay here in Phoenix Arizona to help you get approved to purchase a car. Auto Action is a buy here pay here dealership with multiple locations in Phoenix and surrounding areas. You can explore the current inventory at Auto Action and get started on the financing application online.