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Everything to Know About No Credit Check Car Dealers in Utah

by - Posted 1 year ago

Everything to Know About No Credit Check Car Dealers in Utah

Are you afraid you won’t be able to buy a car because you have bad credit? The good news is that it’s possible for just about anyone to buy a quality used car, even with less-than-stellar credit. Rocky Mountain Motor Cars is one of the top no credit check car dealers in Utah.

For over 15 years, we’ve specialized in selling no credit check cars, trucks, vans, and SUVs to Utah residents, helping them get a vehicle loan that matches their personal situation. We believe in financing someone’s future, not their past! Our “99% Approval Guarantee” means getting a car you love at an affordable price and monthly payment.

What Are No Credit Check Car Dealers?

As the name suggests, no credit check car dealers don’t perform credit checks as part of the vehicle loan process. This makes it easier for individuals with poor or no credit history to get approved for a loan.

How do they do it?

Rather than pulling your credit report, these dealerships typically base their approval decision on factors like income, employment history, the ability to make a down payment, and residence stability. They sometimes require additional documentation or proof of income to assess your ability to repay the loan.

Considerations to keep in mind when buying a used car from a no credit check car dealer are:

Higher Interest Rates

Since buy here pay here dealerships generally assume a higher risk level, they often charge higher interest rates on their loans. Many no credit check car dealers in Utah charge interest rates as high as 40 percent! Rocky Mountain Motor Cars has the best in-house financing interest rates in Utah.

We also help you improve your credit score by ensuring that every one of your on-time payments is reported to the three leading credit bureaus.

Limited Vehicle Selection

No credit check dealerships frequently have a limited vehicle inventory available for purchase. Many only offer older and higher-mileage cars, which may come with a higher risk of maintenance and repair costs. Rocky Mountain Motor Cars offers hundreds of pre-owned vehicles, many of which have mileage below 100K and are only several years old.

Reputation and Credibility

Choosing a used car dealership to buy from involves vigilance and careful research. Signs of a less-than-credible used car dealer include:

     A lack of transparency about the cars it sells.
     High-pressure sales and loan tactics.
     Inconsistencies in vehicle histories.
     A reluctance to allow test drives and inspections.
     Poor online reviews and ratings.
     Unusual loan payment methods.

Unfortunately, some no credit check car dealers in Utah sell overpriced vehicles and practice predatory lending. Be cautious and choose a reputable dealership like Rocky Mountain Motor Cars for your new used car!

Get Your New Used Vehicle Today!

Qualifying for a car loan when you have no, bad, or damaged credit can be challenging. For over 15 years, Rocky Mountain Motor Cars has helped people with bad credit in Davis, Salt Lake, Utah, and Weber Counties get the car loans they need, and we can do the same for you!

Our no credit check vehicles:

  1. Have passed comprehensive inspections.
  2. Come with no-charge 2-year/24,000-mile warranties.
  3. Are available at each of our three locations along the Wasatch Front.

Ready to put yourself behind the wheel of a quality used car? Stop by today to take one for a test drive and then meet with one of our expert team members to discuss your loan options. You can also contact us online to learn more.