Shopping for a used car with a low credit score or poor credit history? Read this before you stop at your local Buy Here Pay Here car lot! If you’ve been turned down for an auto loan or have a past repossession on your record, it’s easy to feel like your only option is a Buy Here Pay Here lot. At DriveHubler Certified Pre-Owned, we work with real lenders, banks, and credit unions, to help drivers get approved and back on the road without the long-term drawbacks of Buy Here Pay Here financing. As a part of the reputable Hubler Automotive Group, we can typically offer more flexible terms, better vehicles, and a path to rebuilding your credit and improving your financial future. Too Long; Didn't Read (TL;DR) Buy Here Pay Here Lots may seem like an easy choice if you have a poor credit history, but they often sell lower quality vehicles at high interest rates and shorter terms; these are high profit for the dealership but high risk for the car buyer. Financing through a bank or other reputable lender may still be possible if you have bad credit and could save you thousands in the long run. If you qualify, you would likely have a lower monthly payment and more flexible terms. Improve your odds of credit approval by having your proof of income and residence ready when you visit the dealership. Having a down payment or trade-in vehicle is very helpful when trying to secure an auto loan with bad or no credit. If a family member can co-sign for you, that can help you secure a loan with a lower APR and payment. Getting an auto loan through a trusted financial institution and making on time payments will help you build your credit over time. This can help you achieve other financial goals in the future. A Buy Here Pay Here loan may not have a positive impact on your credit score. What is a Buy Here Pay Here? Buy Here Pay Here (BHPH) car lots sell used cars with in-house financing. Meaning, the dealership itself lends you the money to purchase the vehicle instead of using a third party financial institution like a bank or credit union. These dealers market heavily to people with bad or no credit and can offer quick approvals, but that often comes with costly trade-offs like short terms, high interest, and few options. The Hidden Downsides of Buy Here Pay Here Financing At first glance, Buy Here Pay Here financing may seem like the easiest option for buying a car, especially if you have never purchased a car before or you know that your credit history isn't the best. While BHPH financing may be appealing, there are some serious drawbacks to consider first: Higher interest rates - BHPH interest rates are often significantly higher that traditional auto loans and can be 20% or higher. As an example, if you finance a $20,000 car in Indiana for 4 years at 22% interest (with no down payment), you will end up spending over $10,000 in interest. Limited Vehicle Selection - BHPH inventory is often limited to older and higher-mileage vehicles. This makes the higher interest rates even more risky because you may be on the hook for a high monthly payment if the vehicle were to have a major malfunction and be inoperable. This also means you may settle for a car that isn't ideal for your needs. If you shop at DriveHubler Certified Pre-Owned, you have over 1,000 options available with third party lenders. Frequent Payments & Shorter Terms - BHPH loans can require payments be made biweekly or even weekly, which can be hard to manage especially if budgets are tight. Since these loans are risky for the dealership, they typically have strict, shorter terms- that means higher payments for you. A bank or credit union may be able to finance a vehicle for 5 or 6 years while buy here lots could require the entire amount be paid in 2 or 3 years. No Credit Reporting - Many buy here pay here lots do not report your payments to credit bureaus. This means that even if you make all of your payments on time and pay off your loan, your credit score does not benefit. A traditional auto loan lender reports to major credit bureaus like Transunion and Equifax so your credit score improves with timely payments and you end up in a better credit situation than you started in. Our auto financing experts can help you put together a payment plan that helps you build a positive credit history so you can upgrade with an even better auto loan next time. A Better Alternative: Financing Through Trusted Auto Lenders Working with a reputable dealership like DriveHubler Certified Pre-Owned gives car buyers the opportunity to finance with a large variety of established financial institutions. This means that your auto loan is backed by a bank or credit union and not the dealership itself; these loans can be available to those with poor or no credit under the right circumstances. Financing through a trusted auto lender, bank, or credit union typically offers: Competitive interest rates and terms - Since we work with a variety of subprime lenders, our finance team can help you pick the one with the best rates. Banks and Credit Unions typically offer much lower APR than Buy Here Pay Here lots, which can save you thousands over the life of your loan and lower your payment significantly. Traditional lenders also may have more flexible monthly payment terms with loans up to 84 months available. Better Selection and Quality Vehicles - Reputable pre-owned dealers, like DriveHubler Certified Pre-Owned in Greenwood, Indiana, can offer hundreds of late model and low mile used cars so you don't have to compromise on the reliable car that you want. Your vehicle may include warranty coverage, like Hubler's Q Certified Warranty, for added peace of mind. Credit Building Opportunity - Since lenders report your loan and payments to credit bureaus, a traditional auto loan gives you the opportunity to increase your credit score as you pay your car off. Increasing your credit score and having a good payment history can help you qualify for other loans in the future like a mortgage or newer car. Bad Credit isn't a Deal Breaker- What You'll Need to Get Approved Many people assume that bad credit automatically means they can't get approved through a bank or credit union. In reality, there are many lenders who specialize in subprime auto financing or have programs available for rebuilding your credit through an auto loan. Even if you've experienced late payments, repossession, or bankruptcy, there is likely an option to secure an auto loan at DriveHubler Certified Pre-Owned. Each credit situation is unique and there are many factors that play into getting your approval. Depending on your situation, lenders may ask for any of the following: Down Payment - This is how much cash up front you are paying towards the cost of the vehicle. While a down payment isn't always necessary, a down payment helps lower the loan amount and improves your approval odds. Co-signer - Having a co-signer with better credit instantly improves your approval odds and may help you qualify for a lower interest rate and longer term. If you have a family member, friend, or spouse who can co-sign on your used car loan, there is a lower risk of nonpayment for the lender. A co-signer is generally not required but can be helpful especially for someone with no credit history. Proof of Income - Lenders want to know how you are going to afford your car payment. They frequently ask for your 2 most recent pay stubs as proof of your employment and income. Proof of Residence - This one is easy- just bring a utility bill or official document showing your address. List of References - In some cases, lenders may require a list of 5-8 references. These references may be friends, family, or even coworkers. This gives the lender another way to confirm your employment as well as a way to find you if there is an issue with payments. How DriveHubler Certified Pre-Owned Helps Car Buyers with Bad Credit- No Buy Here Pay Here Required! As a part of the Hubler Automotive Group, DriveHubler Certified Pre-Owned has been a trusted member of the Greenwood community for years. We have an excellent reputation of helping drivers from all financial backgrounds find reliable vehicles with easy and competitive financing. Our special finance team works with over 40 reputable lenders- many specializing in subprime credit- to bring you more options for low rates and flexible terms. We have decades of experience in subprime credit financing, so we know exactly how to secure the best approval for your specific credit situation. When it comes to bad credit auto loans- we've seen it all! Just tell us what you are looking for and we will search our vast inventory of over 1,200 pre-owned vehicles to find the one that meets your needs and is approved with a real lender. We have already helped thousands of drivers around Greenwood and Indianapolis build their credit while driving the car, truck, or SUV they wanted. Get Approved Get Pre-Qualified with Capital One Frequently Asked Questions (FAQs) Can I get approved for a car loan with bad credit? + Yes, many lenders specialize in working with customers who have bad credit, no credit, or past financial challenges. At DriveHubler Certified Pre-Owned, we work with banks and credit unions that are experienced in subprime financing, giving you more options than you might expect. You can get started with our online credit application. What do I need to apply for a bad credit car loan? + Most lenders will ask for basic information such as proof of income, a valid ID or driver’s license, proof of residence, and sometimes references. The process is usually straightforward and designed to help you get approved quickly. Depending on your situation, a down payment/ trade vehicle or co-signer may be necessary as well. Getting pre-approved online before your arrive at the dealership can help our finance team make a plan ahead of time on what would be required for your approval. Will a car loan help rebuild my credit? + Yes, as long as your loan is through a lender that reports to credit bureaus. Making consistent, on-time payments can help improve your credit score over time and strengthen your financial profile. This can make approval for loans much easier for you in the future. If you purchase from a Buy Here Pay Here lot, your payments may not be reported to the credit bureau. What Lenders Do You Work With? + DriveHubler Certified Pre-Owned at 880 US-31 S Greenwood, IN works with dozens of reputable lenders including Capital One, Everwise Credit Union, Chase, and more. Some of our lenders like Westlake and Santander specialize in subprime credit specifically. We do not offer buy here pay here financing. About DriveHubler Certified Pre-Owned DriveHubler Certified Pre-Owned is a pre-owned dealership located at 880 US-31 S in Greenwood, Indiana right next to Rural King. DriveHubler is located just south of Indianapolis and serves central Indiana communities including Southport, Martinsville, and Whiteland. As a part of the Hubler Automotive Group, we offer over 1,200 pre-owned vehicles of all makes and models. We specialize in financing for all credit types. Most of our inventory includes Hubler's Q Certified warranty. Visit us today or call us at (317) 743-1700 to schedule your visit.
Labor Day Used Car Sale in Greenwood IN
.btn { margin: auto; margin-top: 5px; } HERO / INTRO Labor Day Used Car Specials in Greenwood, IN Looking for Labor Day used car specials in Greenwood, Indiana? DriveHubler Certified Pre-Owned is celebrating Labor Day with exclusive discounts on hundreds of vehicles, giving local shoppers an excellent opportunity to save on their next pre-owned car, truck, or SUV. Conveniently located at 880 US-31 S in Greenwood, we are just 2.5 miles south of Greenwood Park Mall and next to Rural King, making it easy to stop by and explore our large selection. Our Labor Day sales event gives Greenwood drivers access to a large inventory of used and certified pre-owned vehicles from many popular makes and models. Most vehicles also come with a complimentary 2-year/100,000-mile limited powertrain warranty, providing additional peace of mind with your purchase. With quick and easy financing available for all credit types and top-dollar trade-in offers, DriveHubler Certified Pre-Owned is ready to help you save this Labor Day. Shop Used Vehicle Specials Apply for Financing LABOR DAY SAVINGS Exclusive Labor Day Discounts on Hundreds of Used Vehicles This Labor Day, DriveHubler Certified Pre-Owned is offering exclusive discounts on hundreds of used vehicles in Greenwood, giving shoppers more ways to save on their next vehicle. Our extensive inventory includes cars, trucks, SUVs, and certified pre-owned vehicles from a variety of popular automotive brands. Whether you are looking for an affordable commuter car, a family-friendly SUV, or a capable pickup truck, our Labor Day inventory has options for a wide range of needs and budgets. Our used vehicle inventory changes frequently, so Labor Day is a great time to shop and take advantage of available discounts. You can browse our selection online or visit our Greenwood dealership to compare vehicles in person. Our team is here to help you find a quality pre-owned vehicle while making the buying process as straightforward as possible. Shop Labor Day Used Car Specials and Take Advantage of: Exclusive discounts on hundreds of used vehicles Large selection of certified pre-owned inventory Complimentary 2-year/100,000-mile limited powertrain warranty on most vehicles Quick and easy financing for all credit types Top dollar for trade-ins at our Greenwood dealership Convenient location on US-31 next to Rural King Browse Used Vehicle Inventory CERTIFIED INVENTORY Large Selection of Certified Pre-Owned and Used Vehicles If you want additional peace of mind when purchasing a used vehicle, be sure to explore our large selection of certified pre-owned inventory. DriveHubler Certified Pre-Owned offers many vehicles with a complimentary 2-year/100,000-mile limited powertrain warranty, giving you additional protection after you drive off our Greenwood lot. Our Q certified inventory provides another way to shop for quality and value during our Labor Day sales event. Our team can help you compare certified vehicles based on mileage, features, price, body style, and your individual driving needs. We carry all top brands and models like Kia, Nissan, Toyota, Honda, Chevrolet, Ford, and much more. From dependable cars for commuting around Greenwood to spacious SUVs for families in Johnson County, there are plenty of options to consider. Because inventory changes regularly, we encourage shoppers to visit us during the Labor Day event and see what is currently available. Shop Pre-Owned Inventory Quick & Easy Financing for All Credit Types Financing your next used vehicle does not have to be complicated. The finance team at DriveHubler Certified Pre-Owned offers quick and easy financing for all credit types and works with a network of lenders to help customers explore their available options. Whether you have excellent credit, limited credit history, or have experienced credit challenges, our team is ready to help you explore financing solutions. You can save time by getting started online before visiting our Greenwood dealership. Our finance application makes it easy to begin the process from home and gives our finance team an opportunity to review your information. We will work with you to explain your options and help you find a payment solution that fits your budget. Get Started with Financing TRADE IN Get Top Dollar for Your Trade-In in Greenwood If you are thinking about upgrading your vehicle this Labor Day, now is a great time to find out what your current car, truck, or SUV is worth. DriveHubler Certified Pre-Owned is offering top dollar for trade-ins at our Greenwood dealership, helping you get more value toward your next vehicle. A strong trade-in value can make upgrading to a newer or better-equipped used vehicle more affordable. Our team can evaluate your current vehicle and help you understand how its trade-in value can be applied toward your next purchase. You can then browse our extensive inventory and compare vehicles that fit your needs and budget. Stop by DriveHubler Certified Pre-Owned at 880 US-31 S in Greenwood during the Labor Day sales event and see what your trade could be worth. Value Your Trade LOCAL GREENWOOD SEO Conveniently Located in Greenwood, Indiana DriveHubler Certified Pre-Owned is conveniently located at 880 US-31 S in Greenwood, Indiana, making it easy for local shoppers to visit during our Labor Day sales event. We are just 2.5 miles south of Greenwood Park Mall and next to Rural King, providing an easy landmark for customers traveling along US-31. Our dealership is also near Craig Park and Greenwood High School, making us a convenient destination for shoppers throughout the Greenwood community. Whether you live in Greenwood or are visiting from Franklin, Whiteland, Bargersville, or the surrounding Indianapolis area, our location makes it easy to shop our used vehicle inventory. You can browse hundreds of vehicles, meet with our sales team, explore financing options, and get your trade evaluated all in one convenient location. Stop by DriveHubler Certified Pre-Owned this Labor Day and see why local drivers choose us when shopping for a quality used vehicle. Visit DriveHubler Certified Pre-Owned FINAL CTA Don't Miss Our Labor Day Used Car Specials Labor Day is a great opportunity to save on your next used vehicle at DriveHubler Certified Pre-Owned in Greenwood. With exclusive discounts on hundreds of vehicles, a large selection of certified pre-owned inventory, and a complimentary 2-year/100,000-mile limited powertrain warranty on most vehicles, you can shop with added confidence. Our finance team is also ready to help with quick and easy financing for all credit types while our sales team works to provide top dollar for your trade. Inventory and available discounts can change quickly, so don't wait to find your next vehicle. Visit us at 880 US-31 S in Greenwood, next to Rural King and just 2.5 miles south of Greenwood Park Mall. Shop online or stop by our dealership during the Labor Day sales event to take advantage of these special savings. Shop Used Cars Get Pre-Approved FAQ Frequently Asked Questions About Labor Day Used Car Specials What Labor Day used car specials are available in Greenwood? DriveHubler Certified Pre-Owned is offering exclusive discounts on hundreds of used vehicles during our Labor Day sales event. Shoppers can explore a large selection of cars, trucks, SUVs, and certified pre-owned vehicles from a variety of makes and models. Available discounts and inventory can change, so visit our Greenwood dealership or shop online to see the current selection. Do most used vehicles include a warranty? Most vehicles at DriveHubler Certified Pre-Owned are considered Q Certified and come with a complimentary 2-year/100,000-mile limited powertrain warranty. This coverage provides additional peace of mind when purchasing a qualifying used vehicle. Ask our team about the warranty and eligibility for the specific vehicle you are considering. Can I get financing with bad credit? Yes, DriveHubler Certified Pre-Owned offers quick and easy financing options for all credit types thanks to our 99% Approved Program. Our finance team works with a network of lenders to help customers explore available financing solutions based on their individual situations. You can also get started online through our secure finance application before visiting our Greenwood dealership. Does DriveHubler Certified Pre-Owned buy or accept trade-ins? Yes, we accept trade-ins and are offering top dollar for trade-ins at our Greenwood dealership during the Labor Day sales event. Your current car, truck, or SUV can potentially help reduce the amount you need to finance on your next vehicle. Visit us at 880 US-31 S to have your trade evaluated and explore your upgrade options. Where is DriveHubler Certified Pre-Owned located? DriveHubler Certified Pre-Owned is located at 880 US-31 S in Greenwood, Indiana. We are next to Rural King and approximately 2.5 miles south of Greenwood Park Mall, with Craig Park and Greenwood High School also nearby. Our location on US-31 makes us convenient for shoppers throughout Greenwood, Johnson County, and the surrounding Indianapolis area. MAP Visit DriveHubler Certified Pre-Owned in Greenwood DriveHubler Certified Pre-Owned is ready to help you take advantage of Labor Day used car specials in Greenwood, Indiana. Visit us at 880 US-31 S, next to Rural King and just 2.5 miles south of Greenwood Park Mall, to explore our extensive used vehicle inventory. Our team can help you find a vehicle, discuss financing, and evaluate your trade-in all in one convenient visit. Whether you are shopping for a certified pre-owned vehicle or simply looking for a quality used car at a great value, our Greenwood dealership has options to explore. Stop by during the Labor Day sales event or shop our inventory online to get started. We look forward to helping you find your next vehicle. 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Ask our team about the warranty and eligibility for the specific vehicle you are considering." } }, { "@type": "Question", "name": "Can I get financing with bad credit?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, DriveHubler Certified Pre-Owned offers quick and easy financing options for all credit types. Our finance team works with a network of lenders to help customers explore available financing solutions based on their individual situations. You can also get started online through our secure finance application before visiting our Greenwood dealership." } }, { "@type": "Question", "name": "Does DriveHubler Certified Pre-Owned buy or accept trade-ins?", "acceptedAnswer": { "@type": "Answer", "text": "Yes, we accept trade-ins and are offering top dollar for trade-ins at our Greenwood dealership during the Labor Day sales event. Your current car, truck, or SUV can potentially help reduce the amount you need to finance on your next vehicle. Visit us at 880 US-31 S to have your trade evaluated and explore your upgrade options." } }, { "@type": "Question", "name": "Where is DriveHubler Certified Pre-Owned located?", "acceptedAnswer": { "@type": "Answer", "text": "DriveHubler Certified Pre-Owned is located at 880 US-31 S in Greenwood, Indiana. We are next to Rural King and approximately 2.5 miles south of Greenwood Park Mall, with Craig Park and Greenwood High School also nearby. Our location on US-31 makes us convenient for shoppers throughout Greenwood, Johnson County, and the surrounding Indianapolis area." } } ] }