Need help finding a car? Credit troubles?

A Buy Here Pay Here dealer may be able to help. Auto dealers that will carry a note (loan) for you provide a great service to their local communities. Often, a buy here pay here dealer will offer financing to folks that would otherwise be unable to find financing on their own.

Generally the individual will pay a high rate of interest, however, the other option is to have no vehicle at all.

Buy here pay here dealers are generally willing to lend money to high risk individuals unlike credit companies. Now you may ask, "Why they are willing to take this risk?". First of all, unlike large creditors, an auto dealer that will carry (tote) the note for you is selling to "You". At a tote the note dealership a customer is not just another pile of paperwork that comes across the desk or fax machine for a "yes" or "no".

 Second, a tote the note dealer often lives in the same community as potential customers. Unlike a finance company several states away, a tote the note dealer understands the economic factors that may be affecting your area.

 With all of these factors in mind, lending from a buy here pay here dealer may be the solution if "credit challenged" describes you.

Keep in mind several several factors regarding this market. For the most part tote the note dealers are honest and genuine businessmen. They provide a service to an under serviced market.

 Remember they are not in business to repo vehicles as many people may believe. But as always buyer beware! Read your contract, and don't sign it if any spaces are blank or have been omitted to be filled in later.

Keep in mind the complexity of the calculations involved in motor vehicle finance. If you receive a hand written contract the calculations and amortization of your sale may be wrong. For example, in Texas, dealers should be using software approved by the OCCC.

Most states have a web site containing information for consumers.

 Carlotservices.com has done some of the leg work for us and provided a handy list of links for consumers. If you are interested in tools to verify your contract please see Comptroller of the Currency Administrator of National Banks to get "win apr" a great loan calculator often used by auditors.

This page has been provided as a service to those in need of financing outside the conventional routes. Our list of dealers currently includes only Texas dealers.

 OCCC approved auto dealer software indicates that the state of Texas has reviewed the calculations performed by the software for accuracy.

The information herein is provided as is. The information contained on this website and from any communication related to this website is for information purposes only. Radiant Concepts, INC and out many other web sites do not hold themselves out as providing any legal, financial or other advice.

This information cannot supersede any professional advice from financial counselors, attorneys or any other entity charged with advising consumers or businesses on financial matters.

 Comptroller of the Currency Administrator of National Banks and aprwin are in no way related to Radiant Concepts, INC. Information regarding aprwin is available at http://www.occ.treas.gov