When past mistakes have left you with a bad credit history, you may feel like there aren’t any options for you if you need to buy a car. But a buy here pay here dealership like J.D. Byrider in Raleigh-Durham may be the option you’ve been looking for.
J.D. Byrider offers a plan to help pull you out of that situation.
Buy Here Pay Here Dealerships vs. Traditional Dealerships
If you’ve gone to a traditional dealership with bad credit or no credit, you’ve probably found out that it’s not a very pleasant experience. Traditional dealerships only finance through third-party banks or other financial institutions, and so the approval process can be rigid and stressful. On top of that, the terms on any loan you’re approved for may be pretty tough, and the dealership can’t do anything about it to help you out.
But a buy here pay here dealership is different. For one thing, we do all our financing in-house, which means we don’t have to mess with any third-party banks to get you financed for the vehicle you want. And because of that, we can work with you and put together loan terms that work best for you and your budget. We’ll take your credit report into consideration, but we’ll also consider what your budget goals are and what your ability to make on-time payments on your car loan will be.
Ultimately, we want to set you up for success. And the fact that we’re a buy here pay here car lot gives us the freedom to do that.
8 Ways J.D. Byrider is Better than a Typical Buy Here Pay Here
• Easy on-site credit approval process
• Affordable payments scheduled on your paydays
• 92-point quality inspection
• Serviced, computer-tested and reconditioned cars
• Clean-title verified
• 36 month / 36,000 mile limited warranty
• Low-cost service and repairs—often the lowest in town
• Will help put you in a position to improve your credit score
Great Inventory of Affordable, Quality Vehicles
When you stop by J.D. Byrider in Raleigh-Durham, we have two goals: we want to get you financed, and we also want to put you in a car that you’ll love to drive.
We always have a wide selection of inventory in our lots, so no matter what you’re looking for in a vehicle you can be sure to find it at J.D. Byrider.
And to top that, we’re serious about holding our vehicles to the highest possible standards. A stylish vehicle is useless if it doesn’t drive well! To make sure the vehicle you choose to drive away from our lot has what it takes to go the distance, we inspect each vehicle thoroughly and even take it on a 20-minute test drive to make sure everything’s in good working order.
Quick and Simple Financing
For most people who shop at traditional dealerships, purchasing a car isn’t what they would call a fun experience. There are hoops to jump through, hurdles to clear, and a lot of waiting to do. We recognize that this is a problem, and so we do our best to make sure that our customers have a simple and speedy experience when they come into J.D. Byrider to buy their vehicles.
At J.D. Byrider, helping people with bad credit or no credit is our business. As such, you can be at ease knowing you’ll have a positive, pleasant experience. We want to get you behind the wheel of the car you want without making you uncomfortable.
It’s true that loans from buy here pay here dealerships often carry higher interest rates than those from a bank. But, ultimately, that’s just a small price to pay for the opportunity to get financed and improve your credit standing.
But if you’re still not quite sure of taking on a higher interest rate, also consider that you may be able to refinance your loan after you build up some positive payment history. J.D. Byrider reports your payment activity to credit bureaus, so if you never miss a payment and always make your payments on time, your credit score will gradually improve. When that happens, you’ll qualify for better terms on future loans, and you may be able to improve the terms you have on current loans.
All you need to do is come prepared with some required documentation, and a friendly financial associate at J.D. Byrider will work with you to get you through the financing process as painlessly as possible.
What Documents Do I Need to Bring?
When you come to J.D. Byrider to buy a vehicle, be sure to bring the following documents:
• Your valid driver’s license
• Your most recent pay stub
• Your most recent utility bill, to establish proof of residence
• Down payment
• Contact information and addresses of references
• Trade title, if you have a trade-in
If you have bad credit, you know how tough it can be to break the cycle keeping you in that situation. You often need new lines of credit or loans to prove to credit bureaus that you can make payments on time, but you find that you can’t get any new loans or lines of credit.
A car loan that fits into your budget can be just the ticket to improve your credit standing. Of course, buying a car isn’t a small commitment, and you’ll need to decide responsibly. At J.D. Byrider, we will work with you to find not only a vehicle you love, but one you can afford, too. And with flexibility in payment scheduling and other loan terms, we are will do our best to meet you wherever you are in your financial situation.
Not only that, but a car is a tool that can help you maintain and improve other areas of your life—from expanding your job options, to being able to run errands more easily, to being able to take your family on a road trip vacation.
Let us help get you on your way to a better credit score—and a better life.
Honest and Quality Service
Our reputation is important to us. In the car business, it’s essential. We want to achieve a high level of success and satisfaction from our customers, and we want our customers to spread the word to their friends and family.
To keep our customers happy, we offer a warranty on all our cars and make owning a vehicle less costly. Plus, our in-house service garages are partnered with suppliers like AutoZone and service only J.D. Byrider customers, so we can offer gigantic savings to you if you choose to buy your vehicle from us.
In fact, to prevent you from needing to pay for expensive repairs, all our vehicles go through a 92-point inspection before they even hit the lot. Some of the things we check include:
• Engine mounts, oil and filter, leaks and the intake manifold
• Seat belts, spare tire, airbag warning lights, and the interior and exterior mirrors
• Heating and A/C systems, along with the control knobs and switches
• Frame, underbody, and the hood, trunk and gas releases
• Electrical system, including headlights and taillights and the turn signals
• Transmission, suspension, steering, fuel and braking systems
J.D. Byrider makes it a point to only stock clean-title vehicles. That means we verify all our vehicles’ titles with Carfax, Autocheck or other reputable sources, and we don’t sell cars with salvaged, restored or rebuilt titles.
In today’s world of apps and automation, convenience is key. That’s exactly why we provide a broad range of options for you to make your affordable monthly payments, including:
• By phone
• By text
• Through a MoneyGram
• Through Western Union
• By automatic withdrawal
• Through our mobile app
These are all great options that provide you with the flexibility and mobility required in the modern world. And automatic withdrawals provide you with a way to effortlessly make sure your payments are always made on time. It doesn’t get much more convenient than that!
Imagine it—you’ve been approved for financing and have chosen your dream vehicle from our lot. Great! But before you go, we want to make sure you know these last details:
• All our vehicles receive a fresh oil change and a new filter.
• We replace any excessively worn tires.
• We always conduct the factory-recommended service based on the vehicle’s miles; that way, you can drive confident that you’re fit for the road until the next time your car needs servicing.
• You can bring your vehicle back to get repairs done at an affordable price.
• All oil changes will be around $10 or less to help you stay on top of your maintenance and within your budget.
What Are Our Customers Saying?
25 years is a long time. But that’s how long we’ve been in the buy here pay here business, and our reputation is extremely important to us. That’s why we have a website just for our customers to provide their feedback and share their thoughts on their J.D. Byrider experience with the world. You can see for yourself what our happy drivers have had to say about us at JD-Byrider-Reviews.com.
Ready to Drive?
Ready to get behind the wheel, buckle up, adjust the mirrors, and set off on the road to better credit and a better life? Then stop by your Raleigh-Durham J.D. Byrider today and we’ll do our best to get you on your way!