How In-House Financing Helps You Get a Used Car Today

Most people in Las Vegas need a car for work, school, and to run errands. Buying a car doesn’t have to be difficult if you have no credit, bad credit, or other past credit challenges. Even if you have been denied an auto loan at other dealerships, at Baja, we offer in-house financing with easy approval. With our car financing, you can drive your new used car home today.

What Does “Baja Will Finance You” Actually Mean?

“Baja will finance you” means we work with people with all types of credit challenges, including:

1. No credit: Most young drivers don’t have a credit history, so they get turned down unless they have a co-signer with good credit. With our in-house program, they don’t need a co-signer.
2. Bad credit: A lot of people have faced financial struggles at some point, leading to dings on their credit report. We believe everyone deserves a second chance.
3. Past repossessions: We understand situations where things were too tight to make a car payment and never hold it against you.
4. Bankruptcy: Sometimes you need a fresh start, but having a bankruptcy on your credit report can make it difficult to secure auto financing.
5. Foreclosures: The housing market is unpredictable, and losing your home shouldn’t stop you from getting a new used vehicle.

We even finance people with good credit because a lot of our vehicles have low, affordable monthly payments. No matter your financial situation or credit history, we can help you find a dependable vehicle in our used car inventory that you could drive home today.

How Does In-House Financing Differ From Traditional Auto Financing?

In-house financing means you are financing the vehicle through Baja, not a bank or credit union. Key differences include:

Payments

1. In-house, you pay Baja directly.
2. Traditional, you pay your bank or credit union.

Approval

1. In-house focuses on your income and job stability, not your credit history and score.
2. Traditional focuses on your credit history and score.

Processing Speed

1. In-house can be approved same-day in most cases.
2. Traditional could take longer for approval.

Interest rates

1. In-house financing can have higher interest rates than traditional financing.

Credit Building

1. Baja reports to major credit bureaus just like traditional lenders.

Can I Qualify for In-House Financing With Bad Credit?

Yes, you can qualify for Baja’s in-house financing option, even when you have bad credit. We base your approval on your income and employment history. You can start the application process online and bring the required documents to finalize your approval when you visit one of our Las Vegas locations.

What Documents Do I Need To Apply for In-House Financing?

To apply for our in-house car financing, this is what you will need to bring with you:

1. Proof of income: Bring your pay stubs from the past few months showing steady employment.
2. Proof of residence: Review your driver’s license and ensure it shows your current address.
3. Eight personal references: We verify basic information during the approval process, and your references can be family, friends, or past employers.
4. Down payment: We require a down payment, and it varies based on the vehicle you want. If you are trading in your current car, you may be able to use your trade-in allowance for your down payment.

Once you are approved, you will have a direct agreement with our dealership. You make your payments to us on a payment plan that works for you. We retain the car title until your loan is paid off. If you need license plates, we can help you get those, along with your vehicle registration.

Why Do Las Vegas Drivers Choose Buy Here Pay Here Financing?

Some of the reasons Las Vegas drivers choose our buy here pay here financing include the following:

1. Quick approvals
2. Low monthly payments
3. Payments to fit your pay schedule
4. Helps rebuild credit when you have bad credit, bankruptcy, or other credit challenges
5. No complicated loan applications or approval processes

People also use our in-house financing when they want a quality used vehicle quickly and don’t want to be locked into long traditional repayment plans, which can now go as long as 10 years.

Can Young Drivers Get Approved for BHPH Financing?

At Baja, we work with drivers of all ages, including young drivers. If you are 18, 19, or in your early 20s, as long as you have a steady job and income, you can get approved. With traditional car loans, banks and credit unions often will deny your application unless you have a co-signer. With us, that is not an issue since we offer financing for all credit types.

What Do I Need To Drive My New Car Home Once I’m Approved for In-House Financing?

You will need to have a car insurance binder from an insurer with full coverage protection. We can refer you to insurance companies if you need help finding one.

You will also need a license plate and vehicle registration. We can help you secure both of those if you don’t have a trade-in. We can also help you transfer your existing plate and registration to your new used vehicle.

Baja Will Finance You, Even When Others Have Said No

We have helped numerous Las Vegas drivers get approved for a new used vehicle, even when other dealers have turned them down. With our buy here pay here financing, you could take your car home today.

You can shop our inventories and start your financing application online before stopping by one of our two Las Vegas dealerships:

1. Baja Auto Sales East: 3333 East Fremont Street
2. Baja Auto Sales West: 824 South Decatur Blvd

Don’t hesitate to contact us directly if you have further questions, need directions, or need assistance with what documentation you need to get approved for a car loan.