Buy here pay here Houston no credit check. Yes, it’s true. You can buy your next car here, and pay here, without a single credit check! We know this sounds too good to be true! So that’s why we’ve decided to put together some tips on how to get your next car with no credit.
The first tip to buying a car without a credit check is to start saving. If your current car works well now and can keep going for a few weeks, or a month or two, start saving.
The 50/30/20 rule is a good way to afford more car.
Put a little bit of your paycheck aside each month. That way, when it’s time to get your next car, you have a down payment all ready to go!
If you’re unsure what to save, or how to even budget for your next car, try the 50/30/20 rule Nerdwallet. This rule helps you break up your take-home pay for an easy way to manage your budget. So how does it work?
- 50% for needs. Like food, clothes, rent, your car, and it’s related costs, like gas and insurance.
- 30% for wants. These are things like dinner’s out, movie tickets, and anything else you don’t actually need.
- 20% for savings. This is for credit card payments and saving for long term goals. This portion is perfect for going towards your next car’s down payment.
Once you have that all saved up, you can move on to the budget trick!
The Budget Trick
You might look at this and think, “Great. How can I afford a car with a Bluetooth radio now?” We understand. A lot of people look at this and think it’ll only nab them a busted up Geo. However, if you apply this budget trick, you can actually afford more car than you originally thought.
How does it work? Well, let’s look at the budget again.
It’s often said that your monthly car payment shouldn’t be more than 10% of your overall budget. However, you can afford more car if you take part of its monthly payment from the wants section.
To see this trick in action:
Say you’ve applied the 50/30/20 budget on your paycheck and realize you can afford about $150 for your next car. Then, as you cruise the lot you spot the perfect car. It’s the make and model you want and it has all the features you dream of. The only problem is the monthly payment is about $50 more. So how can you afford this hot new ride?
By taking that extra $50 out of your wants budget. Then plan each month knowing you’ll have $50 less for entertainment.
Check Out Our Cars
Okay, by now you should have a good idea of what monthly payment you can afford. The next step is to think about the features you want in a car.
First, separate your needs from your wants. What are things you like, but can go without?
What are your must-haves? Maybe:
- A Bluetooth radio
- AUX cord to connect your phone
- Built-in GPS
- Back-up camera
- Extra storage space
What about features you don’t mind missing, like leather seats? Whatever those features are, get them down on paper. This makes it easier for when you check out our inventory. That way you won’t waste your time on cars with features you don’t like or cars that are missing features you need.
Yes, you can use our financing to build credit.
Visit Us in Person
While we have an online listing of our inventory, we suggest giving us a call or stopping by in person. There two good reasons for this:
1. You might fall in love with a car online only discover it’s just been purchased. Not fun.
2. By talking to us directly we can go over your car needs, and help you find the perfect car for you within your budget. We can also talk about all the financing options we have available and what your down and monthly payment might look like. That way, you’re not faced with price shock when you sit down to buy.
Build Credit with Us
Imagine this a moment: You’ve been saving up money for a car but don’t have any credit. It’s not your fault. You’re young and didn’t think you needed a credit card. Now you find out that without one, you don’t have any credit. Many things like cars and apartments suddenly seem out of reach.
Then you find our website. “Wait,” you think. “I can buy here, pay here in Houston, WITHOUT a credit check?” Yes, you can. Not only that, but we also report your car payments to creditors. That means you could get your next car without a credit check AND build credit with it’s payments.
It’s an easy way to get the ride you need and build credit!
BUY HERE PAY HERE HOUSTON NO CREDIT CHECK TODAY!
It’s always good to know what you want so you can know where to look.
Buying a used car from Liquidators Auto Sales comes with a lot of benefits. With the various financing options that many dealers provide their customers nowadays, buying a car isn’t hard for anyone. If you need a car, come check out our in-house financing today or call 713-681-1200.