How Buy Here, Pay Here Works

At Steve Schmitt Auto Credit, we specialize in Buy Here, Pay Here financing. We can work with nearly any credit situation, whether you have bad credit, no credit, have had a bankruptcy, or have gone through a divorce in Collinsville.

With traditional auto financing, a dealership works with outside lenders like banks or credit unions to provide a loan. Buy Here, Pay Here is different. The financing is done in-house by the dealership itself.

This allows Steve Schmitt Auto Credit more flexibility in who we approve. While we still review your credit, the standards are more lenient than conventional lenders. The key is showing you have sufficient income to make the payments.

Who Is Buy Here, Pay Here For?

Buy Here, Pay Here financing is a good fit for car buyers who have had credit challenges in Wood River. It provides an opportunity to get into a quality vehicle when other financing options aren't available.

Residents of Fairview Heights looking for an easier financing process may also find Buy Here, Pay Here appealing. The process is typically quick and straightforward, handled entirely at the dealership in Troy, IL.

If you live in O'Fallon and have found getting approved at a traditional car dealer difficult, Buy Here, Pay Here could be the solution.

Large Inventory of New and Pre-Owned Vehicles

Our large selection of new and pre-owned vehicles come in a wide variety of makes and models. Whether you are looking for a car, truck, or SUV, we have something for everyone. We even have a selection of vehicles under $10,000. We are determined to help everyone get into a reliable vehicle, regardless of their credit situation.