Traditional Autos offers in-house financing. For most customers, our financing process is simple and seamless, and we work hard to get you into the perfect vehicle quickly and conveniently.
Click on each question to see the answer.
What is Buy Here Pay Here financing?
Buy Here Pay Here financing is a type of auto financing where the dealership acts as the lender. You can buy a car and make payments directly to the dealership, with our many financing options.
What do I need to bring with me to Traditional Autos at my scheduled appointment?
If you have secured your full approval through our online application system you will simply bring your Photo ID and your initial investment funds to your vehicle selection appointment.
Bring the following items with you to the dealership in order to Fast-Track your vehicle selection.
Where can I make my payments?
Our payment options are easy. You now have the convenience to make your payments online or in person. Just click on the “Make a Payment” button on the top of the page or click here to make a payment now.
Is it possible for me to take my vehicle home today?
Yes, in most cases, you can drive your vehicle home the same day.
Do you offer a Limited Warranty on your vehicles?
Yes, we stand behind all of our vehicles with a 3-month/3,000 mile Limited Warranty for your peace of mind.
Can you provide financing for me even if I have bad credit?
Yes, we offer financing to all applicants who submit a completed credit application with required documentation, regardless of their credit history. Our financing decisions are made in-house.
What is the required down payment?
The required down payment amount depends on several factors such as your creditworthiness, income level and stability, residence stability, and the vehicle you wish to purchase. Offering a larger down payment may increase the number of vehicles available for you to choose from.
Do you report my payment history to credit bureaus?
Yes, we report your payment history to Transunion on a monthly basis. This allows your on-time payments to contribute positively towards your credit history and score.
Will you be checking my credit report?
Yes, as part of our evaluation process to determine a reasonable financing amount and payment and down payment terms, we do pull your consumer credit file from one or more of the major credit bureaus.
What are the requirements for Buy Here Pay Here financing?
The specific requirements may vary, but typically you’ll need a valid ID, proof of income, proof of residency, and a down payment. Credit history is not the primary factor considered by us.
How does Buy Here Pay Here financing help improve my credit score?
By making timely payments on your Buy Here Pay Here loan, you can establish a positive payment history. Consistently meeting your financial obligations can contribute to improving your credit score over time.
What happens if I miss a payment on my Buy Here Pay Here loan?
If you miss a payment on your Buy Here Pay Here loan, it’s important to contact the dealership immediately. They may provide options such as a grace period or restructuring the loan to help you catch up on payments.
Are there any advantages of choosing Buy Here Pay Here financing over traditional lenders?
Yes, there are several advantages to choosing Buy Here Pay Here financing over traditional lenders. Some of the benefits include: