Buy Here Pay Here > Car Lots > Iowa

Buy Here Pay Here, IA

Iowa, car lots with lease here, lease to own, finance leasing for used cars. You'll find a car you want to buy when financing autos from a car dealer with several used cars on the lot to choose from with many dealer loan options for people with bad credit or previous bankruptcy.

Get approved at car dealers with bad credit car leasing in Iowa, IA. At our approved poor credit car centers. You deserve a second chance to recover from a terrible credit rating. With tote the note fresh start guaranteed auto credit, you'll be on your way to rebuilding your auto credit rating and living a better life. To see for yourself how easy it really is, apply online today, and drive today.

Get Approved for Dealer Financing Online Today!

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Realtime BHPH Results for People with Bad Credit in Iowa

Tarrah just qualified for a bad credit car loan in Wallingford, IA.
Jul 7, 2015 - 12:02 am

Lynnville, IA resident Pauletta has been approved for a used car with $0 down.
Jul 7, 2015 - 05:10 pm

Willliam from Cedar, IA pre-qualified using our auto loan calculator.
Jul 7, 2015 - 05:46 am

Iowa Lease to Own Financing

Our Iowa used car lots have in house financing available

Buy a car with bad credit in IA cities through one of the many buy here pay here car lots in IA that are part of our Iowa buy here pay here car dealer network.

Our Iowa buy here pay here dealers also offer financing from the nation's most time-tested sub prime lenders.

When you apply online you can get approved before you visit a dealership in Iowa with in house financing. Our application has zip code routing so we will find a local dealer ready, willing, and able to sell you a car.

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What People in Iowa are Saying

, Iowa  Buy Here Pay Here

"I was very pleased with the service I received. I was treated respectfully and not as someone who couldn't be helped due to credit problems." Derek S.

"I really enjoyed being treated as a person, not at all like the other dealership I went to. No pressure was shown. They cared about the person, not just making the sale." Matt B.

"What a great experience. Our rep was very excellent to work with. We thank you very much for working with us." Jessica K.

"Excellent service and great car. Very satisfied!" Roger P.


Top Iowa Dealer Financing Locations

Poor Credit Auto Financing

Poor credit auto financing may seem like an oxymoron. After all, if you have poor credit, you can't get second chance auto financing, right? Wrong. In today's economy, it's easier than ever to still get qualified for a loan, despite how low your credit score might be. If you know what to look for in a lender, you can manage to get an affordable payment, too.

Poor Credit Auto Financing Finding poor credit auto financing opportunities is easier than you might think. All across the internet, there are lenders willing to work with you. There are a few keywords that you can be on the lookout for to help you find the financing opportunities that you may need. This includes such things as:


When you are looking for a lender online, you want to find a legitimate one. This can be done easily by doing a little research. Check out reviews of the lender before you apply online. Take the time to make sure you are submitting over a secure server. You may even want to check with Standard & Poor to see what the company's financial stability is.

You have the opportunity to shop for multiple lenders. While you will only sign with one, there are hundreds of lenders that will work with you despite the fact that your credit isn't very good. Not all will offer the same interest rates or payment terms. This is why it's important to know what goes into creating your monthly payment.

How to Control Your Monthly Payment

Your monthly payment will be based on multiple things. The cost of your vehicle, the interest rate and the number of months your loan is for will all impact how much you pay each month. Your interest rate can vary from lender to lender, so it's best to see how low you can get it first and then see where you can adjust the other two numbers to make buying a vehicle possible.

Many people assume that because of poor credit, payments will be expensive. This isn't always the case. It all depends on the type of vehicle you're purchasing. It's true that a subprime rate will likely be 20% higher in a monthly payment than one with a prime rate, but you can still try to get your payment low.

Some lenders will issue longer loan periods than others. When you have poor credit, you can lower your payments by spreading your payments out for more time. The average person gets used car loans for a period of 60 months. That means the cost of the car is divided up over 60 months. If you can find a lender that is willing to give you a 72 month payment period, the interest rate may not drive your payment up too high.

Poor credit just means that you are going to get a subprime rate. You're still in control of how much you spend on your monthly payment. Focus on getting a low interest rate. Then go for the longest terms you can find and shop for an affordable vehicle and you won't have any problems affording your payment.

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