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:
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.
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.
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!
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:
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.