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See common questions posted by our other visitors, and
the best answers.
Information for those attempting to purchase a car, or
secure a car loan.
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Buy Here Pay Here
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Richmond Virginia Area Auto Dealers
UsedCarSale.com Financial Services:
Available As Of May 20, 2016
Send Application To Local Bad Credit Car Dealers
Submit a two minute application to auto dealers and/or lenders in your area that
can, and will, approve those with a bad credit history. Must have steady income.
Apply To Local Buy Here Pay Here Car Dealers
Submit an application to local buy here pay here dealers, or
auto dealers who offer in house financing. Must have income, and stable residency.
Apply For A Car Loan - No Credit History
Submit an application to local auto dealers who can assist those
with no prior credit history. Must have income.
UsedCarSale.com is an online forum for those in the Richmond Virginia area
looking to purchase a new, or used, car, or Richmond area auto dealers looking
to display available autos for sale.
Richmond Virginia Auto Loan Programs For All Credit Types
addition to the aid for those seeking to purchase a new or used car, and
to the Richmond area auto dealers seeking to sell them, UsedCarSale.com can
connect those with a bad credit history, or no credit history at all, to area
lenders, and auto dealers, who can, and will, approve an auto loan application,
based on the applicant's current income and residency in the Richmond area.
For those who have been turned down due to past repossessions, bankruptcy,
late payments, or issues resulting from divorce, UsedCarSale.com can connect you
with Richmond area auto dealers who can help. In most cases, a couple of copies
of recent pay stubs, or tax forms, combined with copies of recent utility bills,
is all you need to purchase the car or truck you want, and deserve.
Apply For A First Time Buyer Program
Submit an auto loan application to local dealers who
can assist first time buyers with no credit history. Must have proof of a
Richmond Virginia Area Buy Here Pay Here Auto Dealers
For those in the Richmond area with the most severe credit problems, one
option may be a buy here pay here auto dealer. Although these dealers will often
include a higher interest rate, they generally adopt an "everyone approved"
policy when extending in house credit.
Unlike more conventional auto dealers, buy here pay here dealers monitor the
customers payments very closely, and will be quick to repossess the vehicle if
the customer begins to fall behind on his, or her, payments. It is important,
when agreeing to terms with this type of auto dealer, that you do not get in
over your head. These auto dealers generally accept customers that come with a
high credit risk, and conduct business accordingly.
Buying a new car with a bad credit
Posted: March 5, 2015
There are a number of reasons a new car dealer
would approve a car loan for those customers with a bad, or shakey, credit
background. For starters, a new car has more
value, therefore provides for more collateral value.
Another consideration is the low likelyhood that a new car will come with
unexpected repair cost that could prevent the customer from making his car
payments in a timely manner.
When looking to purchase a car with a bad credit history, shop around for
those dealers with the best interest rates. Dealers are eager to service all
customers....even those with bad credit, and they will compete with lower
When Buying An Auto, With Bad Credit...........
Posted July 5, 2013
Without question, those with a bad credit history, will leave the
auto dealership with a vehicle
that will cost them more, in the end, then
that same vehicle will cost those with a good credit history. Just a couple
of interest points can increase the average monthly car payment by $20, $30,
$40 or more. Although that may not sound too bad, when you multiply that
number by 60 months, those with a bad credit history could pay over $2500
more for a vehicle simply because they have had negative issues on their
That being said, it is even more important for those with a bad credit
history to shop very carefully, when they visit their local auto dealership.
In today's marketplace, most auto manufacturers are building, and selling
vehicles designed to have low operating cost, that can offset the higher
More Dealers And Lenders Added To Our Network
Posted May 21, 2103
UsedCarSale.com has announced an expansion of their dealer network to better
serve people in need of auto loans with bad credit. Headed by a team of
automotive experts with many years of experience in the finance industries,
UsedCarSale.com matches applicants in need
credit approval with a dealer or lender willing to fund their loan.
The process is largely automated, thanks to our proprietary placement
engine, which maps consumer applications to dealers and lenders based on
income, location, and other factors. This ensures that each applicant gets
matched to the right type of dealer or finance company, significantly
minimizing the risk of credit denials - an unfortunate yet prevalent
experience for car shoppers with credit scores of 620 or lower.
Interested parties can access the our secure online application here.
Now UsedCarSale.com has expanded our network through the addition
of new dealer and lender partners. This is part of a larger initiative
to continue increasing the our lending clients as the same rate that the
company's consumer user base has been growing. This directly translates into
higher placement and approval rates for our clients. In effect, each
application that enters our system now has a greater number of potential
funders, thereby maximizing the chance of approval. This is an enormous
advantage for anyone with whose credit places them in a subprime finance
tier, because of the risk of credit denial when applying to lenders on a
Working with reputable, honest dealers and lenders is of prime importance to
UsedCarSale.com, and this expansion, if anything, only strengthens the
quality of our network.
Where To Find The Best Deals
Posted May 6, 2013
The more used vehicles there are in a market
segment, the better the potential values. For each category ripe for deals,
we list three-year-old models that had higher-than-average sales when new
and are in plentiful supply now.
Compact: Deal! More new-car choices in
recent model years plus buyer interest in fuel efficiency mean more used
choices -- and relatively attractive prices. Shop for: Toyota Corolla, Honda
Midsize: Deal! Lease returns this fall
will boost models in the used market, and new-model sales will spur trades.
Shop for: Toyota Camry, Honda Accord, Nissan Altima
Hybrid: No deal. Sales have been
limited, and green vehicles hold their
well. You may be able to find a bargain on the ubiquitous Toyota Prius, but
until there is an oversupply of other hybrid models, don’t expect to find
Luxury: Deal! These automakers kept
leasing through the recession, so there are plenty of cars to choose from.
Shop for: BMW 3 Series, Mercedes-Benz C-Class and E-Class
Small crossovers: No deal. Folks
transitioning from larger SUVs are seeking them out for more miles per
gallon, so demand is high and supply is tight.
Midsize/large crossovers and SUVs:
Deal! Larger crossovers and body-on-frame SUVs don’t enjoy the demand they
once did, thanks to high gas prices. Shop for: Toyota Highlander, Honda
Pilot, Ford Explorer
Full-size sedans: Deal! Even though
there aren’t a ton of choices in this category, demand is down due to their
less-than-stellar fuel economy. Shop for: Chevrolet Impala, Ford Taurus,
The Test Drive
Posted May 1, 2013
You can’t put it off any longer. There are too many good deals to pass up, and a trip to the car dealership is in your near future. But how can you be sure that hunk of metal, plastic, and rubber you’re eyeing is right for you? How can you best acquaint yourself with what will be not only one of your largest investments but also a trusted, long-term companion in your everyday life? A test drive, of course. Making the most of it is a simple matter of common sense, careful observation, and knowing what to look for.
**Bad Credit Auto Dealers**