No Games Auto Credit

Providing New England with all of your
Automotive Financing needs for over 12 years!

We specialize in:
Fresh Bankruptcy Discharge Auto LoansOpen Bankruptcy Auto Loans
Prior Repossession Auto LoansBad Credit Auto Loans
No Credit Auto LoansForeclosures, Divorce, Etc.
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Buy Here Pay Here has access to Millions of dollars through a network of lenders that specialize in each unique client situation. can also help you locate the car of your dreams using our powerful locating system, putting thousands of vehicles at your fingertips.

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Trusting In House Car Financing: 4 Car Dealer Financing Benefits

In house car financing refers to an auto loan directly from the dealership. Most buyers get their auto loans from the lending wing of an automaker (e.g. GMAC or Toyota Financial Services), from a bank or from a credit union. In house financing almost always results in higher interest rates than these other options. However, it is an appealing alternative for people who may have had credit problems, or who have no credit history. Before signing on for such a loan, there are several things you should be aware of.

What Is In House Financing?

In house financing exists as a tool for dealerships to sell more cars to more people. Dealerships that offer such services realize that there is a large contingent of potential buyers who are unable to purchase a car through any other means. These dealers are willing to make high interest loans to consumers because the risk is relatively low. If they customer pays off the loan, then the dealership has made a handsome profit in interest alone, if someone defaults on the loan, they can simply have the vehicle repossessed and sell it again. Some of the less ethical dealerships out there may try to convince customers to purchase cars that are beyond their means.

How to Protect Yourself

If you are considering taking out an in house loan, be certain that you can afford the payments, but negotiate a purchase price rather than a payment price. Another old trick is for them to meet your monthly payment criteria by extending the loan term so that they can collect even more interest from you.

Remember that there are a number of companies that specialize in providing auto loans to people who have credit trouble. While these companies have some potentially negative characteristics of their own, you may be able to get a better deal from them. As always, it is best to research all your options before making a decision this important.

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No Games Auto Credit • 147 Samoset Street, Plymouth, MA 02360