How to Prepare for Uncle Joe’s Buy Here Pay Here Financing in Spartanburg?

Buy here pay here financing may feel like an overwhelming ordeal. You might think there are tons of terms and conditions that you will have to satisfy before the dealership can approve your auto loan. After all, you are getting no credit check auto financing. Aren’t people supposed to take advantage of you? Not at all. At Uncle Joe’s buy here pay here, the process is simple and straightforward. We process your auto loan quickly and do not bombard you with a host of rules. If you come prepared, you can leave our dealership with a new used car in no time at all and never visit us until you need an upgrade after a few years.

Here’s what you need to do before coming to Uncle Joe’s.

1. Arrange for solid proof of your monthly income

Why do we need it?

In our buy here pay here car dealership near Moore, SC, we do not look at your credit score to approve your auto loan. Neither do we ask you to produce a co-signer who can shoulder your credit risk. We keep our financing offers all about you and your monthly income statement is the only collateral we use to give you the required auto loan. The pay check papers that you receive from your employer work with us. Even your bank statement reflecting a steady monthly cash flow from an organization is also solid proof. If you have a job, your auto loan is approved at Uncle Joe’s and the income statement is your way of saying the same to us.

2. Download your credit report

Why do we need it?

Although we do not look at your credit score in our buy here pay here in Spartanburg, SC, we do ask for your credit report for the following reasons. One, your credit report is maintained by an accredited authority. And the report contains your personal details like name, address and driver’s license number. These details prove that you are indeed you and an American citizen who can buy a used car in the country. For legal matters, we verify these details from your credit report. And two, we use the report to calculate the amount of auto loan we can give you. Depending on your monthly income and current debt, we come to a figure that you can afford every month and decide the net loan amount accordingly. At no point, do we wish to drive you to bankruptcy or repossess your car. We want you to keep ownership of your new used car.

3. Title and maintenance papers of your current car

Why do we need it?

You can opt for our no down payment buy here pay here financing by trading your current car with us. We will buy it from you at a competitive market rate and you can use the dollar value as the down payment for your next used car. No need to pay anything from your savings; a functioning old car is all you need. For the trade-in to work, we will naturally need the title as you are selling to Uncle Joe’s. And the maintenance papers will help us to understand the internal working of the car and value the same. With these, you are done. Until any exceptional cases come up, you do not need anything else to finish financing your new used car in our dealership.