Posted on March 22, 2023 by Rick Griffith

Tax Day is just four weeks away, on April 17, 2023. For many Americans, that could mean extra cash from a tax return.

So, if you’re considering upgrading your car this year, tax season is the perfect time to invest in a new-to-you used car and enjoy the many benefits of owning a car. Here are some great tips on upgrading to a vehicle you can afford.

Buying A Car With A Tax Refund

When you’re looking to use your tax money to get a car, there are some things you should consider. You may not be able to pay for the entire cost of the vehicle, but you can use it as a downpayment that could reduce your overall monthly payment.

But make sure you think about everything to consider when buying a car. It really should meet all your essential needs.

After all, purchasing a car is a big financial decision. But before you commit to a specific model, consider all the costs associated with the vehicle itself, everything from monthly car payments to additional expenses such as insurance, gas, vehicle maintenance, and mechanical repair.

Before deciding on one car, you should carefully assess your needs and wants. Do you require something dependable to get you and your family to and from work, school, and the store, or do you need something roomier to accommodate a growing family? 

Considering these factors, you ensure you can afford a new-to-your used car without overextending your budget. Buying a used car is a sensible choice for someone with little or no credit history.

Once you identify your requirements, it’s a lot easier to prioritize your decision. Begin your search at an established buy here pay here (BHPH) dealership to get the right make and model. 

Buying A Used Car From A BHPH Dealership

Buying from a BHPH car dealership is a great way to save money on a limited budget. Used cars often cost less than new cars, so sometimes you can get more for your money.

In addition, other incentives, such as warranties or roadside assistance offered by the dealership, could save you even more. But it would be best if you asked about these incentives upfront at the dealership because these vary from one dealership to another.

If you or someone you know has no credit or bad credit, BHPH dealerships offer an in-house financing solution that can make a huge difference. That means the dealership manages the financing process in-house, so you don’t have to deal with banks or other third-party lenders.

In-house financing is a great choice when buying your car, as it’s a cost-effective approach that can efficiently repair or help build your credit history. Additionally, it can be a viable option if traditional lenders or new car dealerships have denied you.

Contact Your Local Choice for BHPH Dealership, Car Credit

BHPH dealerships offer flexible financing options that make it easier for you to purchase the car you need. The convenience of buying and making payments in one place is best as you don’t have to worry about making payments to a third-party lender. 

As a leading BHPH dealership for the four-state region of southwest Missouri, Car Credit funds loans directly to borrowers using an in-house approval process. Car Credit extends lending directly to customers with a less-than-perfect credit score.

They treat each customer’s unique financial situation individually. The team at Car Credit evaluates your financial history as a whole; rather than measuring your creditworthiness solely on your credit score.

To get started, check out the extensive inventory of cars and SUVs, then complete their online credit application! The team at Car Credit works with you to extend the funds needed to get you into one of their extensively reconditioned, safe, and reliable vehicles.