At some point in your life, you’ve probably heard a car commercial—maybe even a J.D. Byrider commercial—talk about being a “buy here pay here” dealership. But what exactly does that mean?
When you shop at a buy here pay here dealership, you both pick out your car and finance it through the dealership. In other words, there are no third-party banks or other financial institutions to wrestle with. All the services you need in order to buy a car—a stocked vehicle lot and financing—are available in-house at a buy here pay here dealership.
Buy Here Pay Here vs. Traditional Dealership: What’s the Difference?
Okay, so we’ve covered what a buy here pay here dealership is, but what’s the big deal? What makes a buy here pay here dealership different from any other run-of-the-mill car dealership?
If you’re struggling in a cycle of bad credit or no credit, you may have found that getting financed for a loan through a bank or other financial institution is a tough task (if not impossible). When you shop at a traditional car dealership, that’s exactly where they go in order to get you financed for a car—third-party banks or other financial institutions. That means it’s just as difficult and just as unlikely that you’ll get financed for the vehicle you want.
At a buy here pay here dealership, though, financing is done in-house. Because of that, it’s much easier to get financed even if you have bad credit or no credit. At J.D. Byrider, we believe everyone deserves a way out of the cycle of bad credit or no credit, so we do our best to get you approved for the loan that will finance your new ride.
The demands of today’s life make it tough to get by without a car. So don’t let yourself be held down by bad credit or no credit—stop by your Palmyra J.D. Byrider and we’ll work with you to get you behind the wheel.
J.D. Byrider: Going the Extra Mile
You probably know already that there are a lot of buy here pay here dealerships out there. So you may be asking yourself, “Why should I choose J.D. Byrider over the others?” That’s a fair question! Here are just a few of the things that make J.D. Byrider stand out from the competition:
• Easy, on-site credit approval process
• Affordable payments scheduled on your paydays
• 92-point quality inspection***
• Services, computer-tested and reconditioned cars
• Clean-title verified
• 24-Month / 24,000 Mile Limited Warranty
• Low-cost service and repairs—often the lowest in town
• We help put you in a position to improve your credit
A Wide Selection of Quality Vehicles
Nobody wants to drive a car they don’t love. When you work so hard to earn the money to make your payments on a vehicle, you want to feel like you’re driving something to be proud of.
That’s why J.D. Byrider makes sure to have a steady flow of quality inventory in our lots. With a wide selection of quality vehicles to look forward to, you can stop by your Palmyra, PA, location and be sure to find something that stands out to you.
Clean Title Verified
When you buy a used car, probably the scariest thing is the thought of where your car has been (and what it’s been through!) before arriving on the lot. But at J.D. Byrider you can put your mind at ease. We check all our vehicles’ titles with sources like Carfax and Autocheck, and you can drive easy knowing that we don’t sell cars with salvaged, restored or rebuilt titles.
Fair, Quality Service
Driving a J.D. Byrider car gets you exclusive access to our in-house service garages, which only service J.D. Byrider customers. But what exactly does that mean for you?
For one thing, getting your car serviced at one of our garages means you’ll be saving a big chunk of change and significantly decreasing the cost of owning a vehicle. We offer lower hourly service rates than other competitors, so you can be sure you’re getting the most bang for your buck when your car needs servicing.
And if that deal doesn’t sound like good enough, we also can save you money on parts! That’s because we have partnerships with suppliers like AutoZone and can get the parts your car needs for some of the best prices in town.
But even with all these servicing amenities, who wants to have to take their car to the garage? That not only costs money, but it’s also a big drain on your time. So, to prevent you from having to go to the garage any more than necessary, we make sure all our vehicles undergo an extensive, thorough 92-point inspection before getting a place on the lot. Here are just a few things we check during that inspection:
• Engine mounts, oil and filter, leaks and the intake manifold
• Seatbelts, spare tire, airbag warning lights and the interior and exterior mirrors
• Heating and A/C systems, along with the control knobs and switches
• Frame, underbody and the hood, trunk and gas releases
• Electrical system, including headlights and taillights and the turn signals
• Transmission, suspension, steering, fuel and braking systems
Convenient, Simple Payment Options
When you’re making a payment, convenience should be a given—especially in today’s world of digital tools that make transactions instantaneous. So at J.D. Byrider, we’re proud to offer you several convenient ways to make your payments, including:
• By phone
• By text
• Western Union
• Automatic withdrawal
• Mobile app
These tools are all great for making it effortless to submit your payments, but one of them—automatic withdrawal—makes it so that you don’t even have to think about submitting your payments on time. We can work with you to schedule automatic withdrawals for your paydays, so you can make on-time payments and build up your credit without even thinking about it. That’s convenience!
An Opportunity for Better Credit
When you shop at J.D. Byrider, one of the biggest advantages you’ll get is the opportunity to improve your credit standing with your on-time payments on your vehicle. When you shop at a traditional dealership, you may never even get the chance to show your credit worthiness in the first place, or, if you have bad credit, you may be denied for financing from the get-go. It turns into a nasty cycle if you need to finance a big, important purchase like a car, and it often feels like a hopeless situation.
Other buy here pay here dealerships may get you past the first step—approval. But what you may not know is that they often don’t report your payment activity to the major credit bureaus. When your payment activity isn’t reported, your credit score won’t change. If you’re making on-time, full payments on your vehicle, you want to be recognized for that. At J.D. Byrider, we want you to be recognized for that, too. That’s why we report your payment activity to the major credit bureaus. If you make your payments on time and in full, your credit score will gradually increase.
What does that mean for you? In a surprising number of ways, it means a better life. When you have good credit, several doors are opened to you that are closed to those with bad credit or no credit—things ranging from opening new credit cards to buy necessities, to getting better interest rates on your existing loans, even to being able to buy a home. We here at J.D. Byrider want to help open those doors to you.
After you’re behind the wheel of your great new ride, there are a few things we’ll remind you of:
• All our vehicles receive a fresh oil change and a new filter.
• We replace any excessively worn tires.
• We always conduct the factory-recommended service based on the vehicle’s mileage, so you can drive knowing you’re fit for the road until the next time your vehicle needs routine servicing.
• You can bring your vehicle back to J.D. Byrider to get repairs done at an affordable price.
• All oil changes will be around $10 to help you stay on top of your maintenance and within your budget.
What You Need to Bring
Ready to hop in and drive? If so, swing by your Palmyra J.D. Byrider and bring:
• Your valid driver’s license
• Your most recent pay stub
• Your most recent utility bill, to establish proof of residence
• Down payment
• Contact information and addresses of references
• Trade title, if you have a trade-in
Just stop by with these things in hand, and we’ll work with you to get you into the driver’s seat and out of the cycle of bad credit.
What Our Customers Are Saying
We’ve got over 25 years of business under our belt, and we know that it’s because of our customers that we’ve gotten where we are today. It’s important to us to hear back from our customers and get their thoughts on their J.D. Byrider experience, so we created a simple-to-use website just for that. See what our customers are saying at JD-Byrider-Reviews.com and see how J.D. Byrider has helped them onto the road to better credit and a better life.
Ready… Set… Go!
If you’re ready to rev up your new engine and speed off toward better credit standing, come in to your Palmyra J.D. Byrider today! We’ll do our best to get you into a great vehicle and on your way to a better life.