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We have a lot of people from Bardstown KY that visit our dealership here in Louisville looking for buy here pay here cars. We have a huge selection of cars, trucks, and SUV’s and have customers from as far west as Brandenburg, then east to Frankfort, South to Bowling green, and as far north as Seymour Indiana that visit our dealership to shop our cars.

On the Lot Financing for Credit Repair

Not everybody that comes to our car lot wanting to make a buy here pay here purchase leaves with one. Our main focus is in helping our customers by getting them conventional bank financing instead of sending them the BHPH route. The reasons for this are simple.

1) The payment on a conventional bank loan happens once a month and can be mailed in or setup on auto pay, making it a lot easier for the customer to stay current and on time with the payments. Buy here pay here payments on the other hand have to be made every 2 weeks in person at the dealership or called in and made via credit card.

2) Conventional financing goes a long way towards repairing bad credit. If all of the loan payments are made on time and schedule, the borrowers credit score steadily rises. Buy Here Pay Here does nothing to help a buyers future credit score.

3) The cars we can sell that are bank financed are always in better condition than your typical buy here pay here cars. Actually what makes a car a buy here pay here car is that it’s in such bad shape, so old, or has so many miles on it, that a bank will no longer finance it. If it’s not in a degraded condition then the down payment on it will usually be half the value of the car.

Things That You Need to Bring When Buying a Car

We try to make it easy as possible to purchase and drive home the same day, and if you’re planning a visit to our dealership there are some items that you typically need to bring with you the day you come.

1) Drivers License: You do need to have a drivers license to buy a car.

2) Current Pay Stubs or bank statements – Social Security Award Letters: It will be necessary for you to prove your income.

3) Proof of Address – Any bill you receive at home: We will need to be able to approve your residency to potential lenders.

We look forward to helping you with your next vehicle purchase. If you have any questions please feel free to call us at 502-744-5555

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