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Joplin Buy Here Pay Here Dealer

About Our Dealership

Car Credit is a used car dealership located in Joplin, MO to serve our customers in the four-state region. We serve many Southwest Missouri municipalities such as Joplin, Webb City, Carthage, Neosho, and Carl Junction.

Address: 3203 N Rangeline Rd, Joplin, MO 64801
Phone: 417-624-8500
Hours: Mon-Fri 9am – 6pm

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Will I Be Approved FAQ’s

What is required to get approved?

Customers typically must have a valid driver’s license, at least $1300 in provable monthly income and have no other current open car loans to be eligible for our in-house financing. However, every situation is looked at uniquely so feel free to contact us to discuss your options.

Other dealers turned me down, can you approve me?

We set the financing criteria so we have a lot more flexibility in getting you approved then a typical lending bank. If you have bad credit, no credit, repossessions, bankruptcies, fixed income, and no pay stubs we can help!

Do I need a huge down payment?

No, our down payments are flexible to help you get the transportation you need. Call us to learn more about our low down payments.

Is provable income a problem?

We have a lot of flexibility in income verification, call us and see what documents you can bring to replace a paystub.

Can I get approved with a prior bankruptcy?

Yes, you’re still eligible to buy from us. Car Credit is a buy here, pay here car dealership, so we can approve you based on other information like monthly income. In fact, Car Credit can help you reestablish a good credit history.

Can I get approved with prior repossessions?

Yes! Prior repossessions make it hard to get auto financing; at Car Credit we can help put that behind you with a good car loan on your credit! 

Can I get approved if I have no credit?

Yes, Car Credit’s low credit or no credit financing options allow you to get around the demanding credit approval process of other dealers.

Are the vehicles for sale at Car Credit reliable?

Yes, a common misconception is that buy here, pay here dealers sell bad cars. On the contrary, because you make payments to us we are extra invested in making sure you drive off in a dependable vehicle. That is why we certify all our vehicles and offer a nice warranty. Other dealerships that sell your loan off to a bank have far less of an investment if your car breaks down or if your payments are out of your budget.

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