How do people buy cars when their credit isn’t great?
I have been looking into how people manage to buy cars even if their credit is not great. Some go through dealerships that offer in-house financing, while others use credit unions or bank loans for buyers with weaker credit.
Dealerships with in-house financing can be fast and flexible, letting buyers get approved based on income and drive the car the same day. This makes them a practical choice for people who need a car quickly without going through a long credit check process. Credit unions and banks usually offer lower rates, but approval can take longer and be harder with weak credit.
Has anyone here recently purchased through an in-house financing dealership? How did it compare to other options, and did it make the process easier?