Buy Here, Pay Here in Columbus

If you are looking to buy a car but have poor credit, your options may appear to be limited to Buy Here, Pay Here. In Columbus, though, drivers have a better option – McCluskey Chevrolet’s Buy Here, Pay There program! We specialize in helping out customers who have fallen on hard times and need a hand in setting their finances straight. That’s right! We do not just offer you a chance at a bad credit car loan; we actively help you to repair your credit rating so that you can upgrade to an even newer car at a lower interest rate. We aren’t a Buy Here, Pay Here dealership preying on drivers with no other options; we want to set you up on the road to success so that you can make your dreams of driving a brand-new car a reality!



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The Advantage of Buy Here, Pay There

There are almost too many benefits to count for Columbus drivers who take advantage of our Buy Here, Pay There program. Before we dive into the details, here are some highlights of what you can expect when you visit McCluskey Chevrolet instead of a Buy Here, Pay Here dealership:

  • Guaranteed Credit Approval
  • Lower Monthly Payments
  • Lower Interest Rates
  • Countless Vehicles to Choose From
  • Lifetime Warranty
  • Guaranteed Clean CARFAX Vehicle History
  • Free Home Delivery
  • M-Bucks Rewards Dollars for Referrals
  • Help Rebuilding Your Credit Nationwide

Does that sound too good to be true? Well, we have some advantages that no Columbus Buy Here, Pay Here dealer can offer. To begin with, McCluskey Chevrolet is the largest volume dealer for Chevy in the world. This allows us to offer our customers deals that you simply won’t find anywhere else. And when you work with us, you know that you are dealing with experienced professionals who have a reputation to uphold. Our goal isn’t just to sell you a car but to set you up for a successful car ownership experience that will rebuild your credit rating along the way.

What Is Buy Here, Pay There?

A traditional Buy Here, Pay Here dealership offers financing directly to its customers rather than using a bank or other financial institution. This allows them to offer loans to drivers who have bad credit, but that usually comes at the cost of extremely high-interest rates. While a Buy Here, Pay Here dealership will let you buy a car, it will usually be an older used model, and it will trap you in a cycle of high monthly payments. Because you are paying the dealership directly, those payments usually go unreported to the national credit bureaus and do nothing to improve your credit score. McCluskey Chevrolet takes a different approach with our exclusive Buy Here, Pay There program.

To begin with, our Guaranteed Credit Approval Financing leverages our decades of experience and close working relationships with over 20 national banks, credit unions, and other finance companies. This traditional financing with reputable third-party lenders is the “Pay There” element of our program. Even if you have previously been turned down for an auto loan, our experienced finance team has the knowledge to secure a loan for you. As proof of our commitment, we promise you a $1,000 American Express gift card if we somehow cannot find a lender willing to work with you.

The second component of our Guaranteed Credit Approval Program is our Quarterly Credit Score Improvement Monitoring. Unlike other dealerships, who will set you up with a loan and then forget about you, we remain involved and continuously work to rebuild your credit. Because we work with traditional lenders, every payment you make is reported to the national credit bureaus and helps to improve your credit score. We monitor your score every 90 days, and when it reaches 600, we offer you the chance to trade in your car for a newer model at a lower interest rate! This breaks the cycle that all too many people fall into, reducing your monthly payments and allowing you to enjoy the car of your dreams.

A couple is shown looking at vehicles.

Bad Credit Doesn’t Mean Bad Cars

When you shop with McCluskey Chevrolet, we want you to enjoy the vehicle you drive off in, no matter your credit rating. While we understand that you might not be able to afford your dream car at first, we make sure that you won’t be stuck with a clunker that eats up all your money on non-stop repairs. On top of a guaranteed clean CARFAX vehicle history report, every vehicle that we sell, new or used, comes with a fully-insured lifetime warranty. We thoroughly inspect every car, truck, and SUV before it goes out on our lot, and if something does go wrong, we will fix it for you right here in our certified service center. We believe that every single one of our customers deserves a vehicle that they can count on.

As your credit score improves and you are ready to upgrade to a newer model, we have plenty of options. Not only will you find an extensive inventory of new and used vehicles here at our Columbus dealership, but our Patented Nationwide Search tool allows you to explore over 250,000 vehicles from across the country. With over a quarter-million quality vehicles at your fingertips, you are sure to discover something that you will love driving at a price you can afford. And with the lower interest rates that come from your improved credit score, you will be able to afford far more than you previously thought.

Unlike Buy Here, Pay Here dealerships, our Guaranteed Credit Approval Program doesn’t just cover older used cars – it covers every model on our lot! That means we can help you get behind the wheel of a Certified Pre-Owned Chevy or even a brand-new current model year vehicle. At McCluskey Chevrolet, you never have to settle. Once we help you set out on the path to improving your credit, you will soon find yourself owning a model you love. If you have always wanted a new Silverado, Tahoe, or Camaro, we will help you achieve that dream.

Let McCluskey Chevrolet Lend You a Hand

As the largest Chevy dealer in the world, we believe that we owe it to our community to give back and help Columbus drivers who need a hand getting back on their feet. With the knowledge and experience that we have built up over the decades, we realized that we could offer a better alternative to traditional Buy Here, Pay Here financing that actually helped people rebuild their credit while enjoying all the advantages of driving a newer vehicle. That is why we launched our unique Buy Here, Pay There program.

Over the years, we have seen many success stories from our efforts. Every time we help a Columbus driver break the cycle that too many people with poor credit fall into, it encourages us to keep trying harder. We firmly believe that our Guaranteed Credit Approval Program is the best of its kind you will find, and our inventory of high-quality used, new, and Certified Pre-Owned vehicles gives drivers more options to discover an affordable car, truck, or SUV that they can count on and enjoy driving. Contact us today and discover how we can help you rebuild your credit while driving a car you are proud of.