Buy here pay here cars no money down

Finding the Right Car

Every Electric Car Available for Sale in 2022

There's never been more variety if you are shopping for a new electric car.

Jul 28, 2022

Finding the Right Car

The New Electric Delorean: Back to the Future and Then Some

It'll be powered by electricity, but no word on whether there's a flux capacitor onboard.

Jul 25, 2022

Finding the Right Car

2022 BMW i4 Review: Take That, Tesla

Does this luxury electric car have enough to disrupt Tesla's market share?

May 25, 2022

Buy A Car With No Money Down

Used Car Financing

Has your inability to come up with a down-payment been hindering your ability to finance cars for sale in Killeen, TX? There are numerous things to keep in mind when thinking about used car financing without putting much money down. For example, many dealers will look at a less than perfect credit score and turn you away. McLeod seeks to change the way that people find the low down-payment finance options they need. We're proud to accept loans from outside institutions or do our absolute best to help you figure out what will best suit your situation.

If you intend to find a loan, it's smart to ensure you're getting a competitive price on it. Paying too much after taking out a loan could end up costing you much more than you thought in the long run. Fortunately, we keep our rates as fair as we can here at our Killeen used car dealerships so you can avoid this potential risk.

Financing Options

Did you know that you can sign up for an extended warranty and have it added to your monthly costs? When it comes to used car financing, it can pay off to ensure you're protected. Fortunately, our no money down car dealers can help you have valuable peace of mind without paying more upfront. Be sure to inquire with any member of our sales team about our extended warranties to mitigate a situation before it even happens!

Although you might not be able to put money down when financing at our Killeen used car dealerships, your trade-in may significantly help with your costs. Trading in a vehicle can potentially allow you to save a good deal of money both initially and in the long run. Allowing your trade-in to act as a sort of down-payment is a wise move that many shoppers take instead of coming with cash in hand.

Find a Cosigner

Sometimes, another great move to make when looking into used car financing is to find a cosigner. If you have a cosigner with you that has a steady income and good credit score, it can improve your chances of tracking down an ideal no-down-payment loan. These are also things you'll want to keep in mind for yourself since variables such as income, steady employment, and low debt can impact your eligibility.

Here at our Killeen used car dealerships, we want to find options that are suitable for your financial situation.

Have negative marks on your credit history in the past made it seem next to impossible to find low or no-down-payment options? If your answer is yes, we're here to let you know that there are flexible lenders that will look past your bad credit. Many lenders these days tend to focus on a loan-to-value ratio when determining your APR. This ratio demonstrates how much you borrow for a car compared to what the car is worth, giving many the option to finance that normally wouldn't. Other factors, such as your employment status, residency, and more, also will determine whether you'll be eligible for used car financing with no money down.

Did you know that even putting a small amount of money down can make an enormous difference? Sometimes, even just a few more hundred dollars down could mean knocking your APR down a significant amount. At the same time, not everyone can wait to get their next vehicle, which can often be a lifeline. Whether you're able to put money down or not, our Killeen used car dealerships work 6 days a week to make your life easier. If you happen to have any questions pertaining to no-down-payment used car financing, don't hesitate to reach out to our experts today!

We here at C&P AUTO CENTER GUARANTEED CREDIT APPROVAL to everybody  When we say everybody!!!! that means everybody, If we can't get you approved will pay you $500.00.

Bad Credit!! No Problem, Repossess!!!! No Problem, Bankrupt, Foreclosure, No License NO PROBLEM!!!!!, We take all. Dealers around us say we are crazy approving everybody No Problem, we are the bank,we approve everybody we want so come down and visit us or Call us at 323-778-7172 or 888-312-2754.

Things we need to get you approved

1. Proof of Income with a minimum of $850.00 per month

• Paystubs.
• We accept 3 Recent Bank Statements.
• Social Secutity with Direct Deposit, or copies of checks with Award Letter.
• Alimony and Child Support.
• Copies of Cancelled Checks from your Employer. Have them print it Online from there Bank, Front & Back of checks for 2 month Pay.
• Retirement
• Temp Employment Service or Agencies.
• Job Letter

Question: I get paid cash under the table, can I Qualify?

Answer: Yes, if you Deposit it into the bank. If you can’t prove it, dont worry will find a solution.

2. Proof of Residence.The Banks wants to know where you live.

• Light, Water or Gas. Any Utility Bill.
• Phone or Cell Bill.
• Bank Statement

Any of these Bills need to have your Name and Address where you Live.

Question: I don’t have Any Utilitys Bills under my name Would that be a problem?

Answer: NO!! Just Inform us upfront and will resolve it for you.

3. References Needed

• 8 References with Name Address and Phone Number.
• They must all Live in different Addresses and have different Phone Numbers.
• We also need Landlord or Mortgage Name, Address and Phone number and it can’t be used as a reference.

Question: Do I need all 8 references?

Answer: Yes we do need it. Ask Co-Workers, Friends and Family.

4. Bank Account

• Not Needed but will give a better deal if you have it
• Need 3 Recent month if using as a Income for Self Employed.

Questions: I don’t have any Bank Account, Do I need it to get Approved?

Answer: No, Will get you Approve without the account or Bank Statements.

5. Down Payment

Down payments are hard to give on this page. Each individual will have different down payment requirements. The amount down that is required is a function of your overall credit tier, and the car you want to buy. We will work hard to make sure that your down payment is as affordable as we can make it. Be realistic, if you have a fresh repossession, or two, your down payment requirements will be higher than a person that has paid off a car loan recently. The down payment is also determined by the car you pick out. If you just had a repossession, and you only have $1000 down, please do not expect to buy a lifted F250 Diesel, or a BMW Sports car. We can get you approved, but the vehicle will be dependant on your down payment

• If all you have is $1500 and have had 2 Repossessions it will be basic reliable transportation, not a luxury car. Nationaly the average down payment is about $2500.00 but don't worry let us know what you have now and we will try our best.

Let us know what your situation is, Here at C & P Auto Center our main goal is to make sure that you can afford to make the payments on your new car. That includes the Down Payment, and the monthly payment so that you can get re established

• We do not want to let you get into a position where you can not afford to make the payments, and let your chance at new credit get ruined.

Question: I don't have my down payment all today, but you have the car I really want now, what do I do?

Answer: Call us, or submit an application

• If you agree to the terms, we will make sure you don't miss out on your car.

6. Driver License or Social Security

• No Matter where your driving License from.
• No Social Security Just bring your ITIN Card or Letter from the IRS

Question: Can I still get Approved without a Driver License or Social Security?

Answer: Yes!! Just Bring your ID and Just Bring your ITIN Card or Letter.