Buy Here Pay Here Dealer in Philadelphia, PA
Life without a car can be pretty tough. You have responsibilities, you have places to be, you have friends and family to help. Just getting to work, getting to the store, and getting to the doctor or dentist is all infinitely more difficult if you don’t have your own vehicle. Everyone has their own needs and reasons for wanting to buy a car. Perhaps you’ve never had your own car but are itching to get one. Maybe your vehicle was damaged and is undriveable, and you now need a replacement.
Coming up with the money you need is rarely easy, especially if you have a poor credit score. If you depend on your car or truck for your livelihood, this only makes things even harder. You may be losing business, driving your income down and your debts up, which contributes even more to a negative credit score. Sound familiar? Are you worried, uncertain, searching for a solution? Welcome to EdenAutos. We’re dedicated to helping you get the ideal used car or truck at the most competitive prices in Philadelphia, no matter what your credit score is.
What Affects Your Credit Score?
We all know poor credit ratings can hold you back. Few of us can afford to walk into a dealership and pay for a car outright, with the cash ready and waiting to get you on the road. Loans are the only way so many Americans afford their cars, but problems with your credit score may be holding you back. You might have already tried to secure a loan from banks or other dealerships, all of which insist upon a good credit rating. Missed payments or other debts can add up over months and years, leaving you unable to live life as you need to. A credit score below 620 is considered bad; 620 – 659 is poor, while a 660 – 719 is considered good, and a score of 720 or above is excellent.
What affects your credit score? There are multiple contributing factors:
Payment HistoryYour payment history tends to have the biggest impact on Americans’ credit ratings. If you normally pay all your bills on time for years and years, your credit score is likely to be in good condition. However, missed or late payments can have a negative effect on your rating.
UtilizationAnother major factor affecting your credit score is the overall amount of credit available to you, according to limits on your credit cards, in comparison to the credit you actually use. If you can maintain a low ratio (30% or lower is usually ideal), your score is likely to be healthy.
AccountsYour credit background incorporates the number of accounts you have, and their balances. Basically, it’s recommended to have more accounts with a balance of zero, rather than multiple accounts with varying balances. This shows you can manage your credit well over time.
UsageLenders like to see a good, long history of credit usage rather than a shorter one. Why? Because it shows you’re trustworthy and able to keep making payments on a regular basis. If you try to get a loan without that usage history, lenders may be reluctant to approve the loan.
VarietyYour credit score will be affected by the number of credit cards and loans you’ve had in the past. If you have too many of the same type of cards or loans, this can count against you.
All of this can be daunting. However, we’re not telling you this to be worried – we’re trying to help you understand why you may have developed a negative credit score over the years. You may not even realize you have a poor credit rating until you apply for a loan, and it can come as a nasty surprise. And some businesses can be ruthless, with no intention of extending you the respect or courtesy you deserve. We understand how tough money worries can be, and how they can weigh you down, which is what makes us different from the rest.
At Eden Autos, we pride ourselves on the quality of our Buy Here Pay Here (BHPH) system. We care about our customers. We care about our vehicles. We care about treating everyone who walks into our dealership respectfully and fairly. Our Buy Here Pay Here program is essential to this, having helped many satisfied customers drive away with a new vehicle. Whether you have bad credit or no credit, you can trust us to put you a car or truck at very affordable rates.
How Does Buy Here Pay Here Work?
Buy Here Pay Here is an outstanding solution we embrace wholeheartedly. This means you can arrange your loan and make payments right here at Eden Autos. In effect, we’re a one-stop shop for your new vehicle, without the need to getting disappointed by a bank or loan company.
We provide you with approval for your loan in a far faster, more convenient process than any bank or competing dealership in the Philadelphia area. Being able to secure financing in such a hassle-free way can provide invaluable peace of mind, reassurance, and security. Our expert financing team has handled thousands of customers’ payment plans, and will talk you through the process in a friendly, hassle-free way. Just drop by and see us. We’ll discuss your credit score, show you our extensive range of pre-owned vehicles, and do everything we can to get you behind the wheel again.
Why Should You Come to Eden Autos?
Now you know what Buy Here Pay Here is, and how much it can help you, but why else should you come to Eden Autos?
A Passionate TeamOur team is professional, experienced, and knowledgeable. We take training every member of our staff incredibly seriously, and work hard to ensure everyone on our team is able to get our customers the exact vehicle they need. We’re friendly. We’re honest. We listen. When you step into our dealership, we’ll discuss your needs, your preferences, and your budget. We’ll look at your lifestyle, your responsibilities, and offer you all the clear advice we can to get you into the driver’s seat of the perfect vehicle.
Improve Your Credit ScoreMaking on-time payments towards your loan doesn’t just bring that new car closer to being completely yours, it has another big benefit - boosting your credit score. In order to make these on-time payments, you need a loan in the first place. By providing you with Buy Here Pay Here financial support, Eden Autos is setting you on a path towards a rising credit rating. We’ll work out a suitable payment plan and offer the help we can to make sure you stay on-track.
Instant ApprovalYou can walk into Eden Autos and get approval instantly. You don’t need to wait days while we run credit checks or sign your way through endless forms. Instead, all you need to do is complete our simple application form to receive approval in a matter of minutes. It’s quick, easy, and convenient.
Money Back GuaranteeEden Autos offers you a full 5-day money back guarantee if you’re not happy with your car of choice. This is incredibly important to us; we want every customer to enjoy absolute peace of mind and genuinely love the car they purchased. There’s no need to settle on a vehicle if you’re not 100% satisfied with it.
Used Cars in Philadelphia at Unbeatable Prices
More and more Americans are buying used cars. These are more affordable, without the expensive gimmicks or overpriced extras you might feel are simply unnecessary. As the cost of brand new cars continues to rise, the more practical prices attached to used cars is more appealing.
Eden Autos has an inventory of used cars for Philadelphia area drivers catering to all tastes. Whether you’re a new driver simply looking for a vehicle to get you from point A to point B, a soccer mom in need of a sturdy family car, or you just want the most stylish thing on the lot, we’ll help you find it. We have more than 150 used vehicles in stock, from SUVs and trucks to minivans and sleek cars. And every single one comes complete with a three-month or 4,500-mile bumper-to-bumper warranty, and a CarFax report for added reassurance.
Want to talk about setting up a loan? Want to know how we can help you drive away with the ideal car? Drop in and see us, or give us a call on 215-977-4772. We look forward to meeting you, and helping you get on the road in one day.