How Does “Buy Here, Pay Here” Work?

When you work with a dealer who extends “buy here, pay here” services you are obtaining a loan directly from our finance company. Your payments are made directly to the dealer on a pre-determined schedule for a certain amount—you actually “buy” your car at the dealership and “pay” the loan at the dealership.


Generally, when you work with a “buy here, pay here” dealership like Metcalf Auto Plaza, discussing financing options is one of our primary goals. We want to identify your comfort level in terms of financing before we start shopping. That way you won’t have to waste time looking at vehicles that may not fit your needs.


Once you’ve found the perfect car, we’ll sit down and review all financing options.  From down payments to how you’d like to make payments, we hash it out before you make the final decision.  No high pressure!


Your contract will detail when and how much to make payments on your vehicle. And, with our easy online payment system, you can make payments while you are still in your pajamas!


Still have questions about “buy here, pay here?” No sweat—call Metcalf Auto Plaza today and we’ll be happy to review financing options with you. Call us at 913-652-6700.


Metcalf Auto Plaza is KC's Premier Buy Here, Pay Here Financing Specialist

What makes buying and financing your vehicle in one convenient spot so important? Often buyers find the perfect car, but have trouble securing financing due to credit or not having enough money for the down payment.

When you work with a dealer like Metcalf Auto Plaza you work with a reputable dealer with a heart. Our “buy here, pay here” solution will help you get on your way to auto ownership. Some larger dealers only care about their bottom line, whereas we want to find a way to help you get that reliable set of wheels so you can get on with your life!

Your success is our success at Metcalf Auto Plaza.  We pride ourselves on being able to provide our customers with reliable transportation for a reasonable rate.  We’ve talked to numerous past customers who told us that we were the only dealer in the Kansas City area who would help them with financing their vehicle, which eventually allowed them to get back on their feet and get back into the game of life.

Kansas City's Premier BHPH Lot!

There are many reasons why Metcalf Auto Plaza is Kansas City’s premier “buy here, pay here” dealership, but here are just a few:

  • Down payments starting at $0.99 down
  • Full scale auto servicing department to those who finance through us
  • Payday and online payments available
  • Ability to repair unfavorable credit score—we report your timely payments directly to a national credit bureau
  • We finance the Kansas sales tax
  • Online credit application with instant financing

The choice is clear—Metcalf Auto Plaza is the premier “buy here, pay here” auto dealer in Kansas City. Call Metcalf Auto Plaza today at 913-652-6700 or apply online.

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