January 16, 2016
Financing Bad Credit
Financing Bad Credit is our specialty. Our programs are designed to help people with credit problems such as bankruptcy, no credit or bad credit get reliable transportation and a car loan, at payment and terms they can afford. Most car dealerships cannot lend to you if you have these types of issues, or they require a very high (50% or more) down payment on the car. We have some of the lowest down payments available and one of the easiest loan approval processes. Just bring in your Utah driver’s license, pay stubs, and proof of address (power or gas bill) to one of our car dealerships and a friendly, no-pressure sales person will help set up a plan for you.
We Can Help
We’ve helped thousands in Utah get the SUV, car, minivan or truck they want. We can help you get a car today! Apply Now to set up an appointment with one of our friendly sales representatives. Our #1 goal is to set you up in a plan and car you can afford with your income and budget to ensure you’re successful in the purchase and payoff of your car.
Summary: Financing Bad Credit
We know the pains of qualifying for a loan when you have credit issues. We’re not here to judge you, We’ll treat you with the respect and candor you deserve. The program is very simple and only takes a few minutes to see what plan you qualify for. If you can’t afford one of our cars due to payments higher than you can afford, we’ll tell you what it will take to be able to afford it!
January 12, 2016
Low Down Payments
If you’re looking for a used car dealer in Utah that offers low down payments, you’ve found one of the best. We specialize in low down payments and the average hovers around $77-$300 down. A large amount of our customers get approved for $77 down.
What are the required down payments to buy a used car at Lucky’s Auto Credit?
Our locations start at a $77 low down payment. This depends on the vehicle you pick as well as a few other factors. For example, we want to make sure you can afford the car and the payments. The lower the down payment, the higher the monthly payment, so we help you by showing you if you make enough money to afford your payments. Our goal is to see our customers succeed!
Common questions we get when people come in with $77 down is that they expect to qualify for every car on the lot with that down payment. While we frequently do down payments on expensive cars for $77 down, it’s not always the case and it really depends on your income, stability, and job history.
As an example, if you qualify for a $6,999 price car at $77 low down payment, but you decide you really want the 4-door 4×4 truck that costs $16,999. If your budget can’t support the higher payment, then you’ll need to put more money down until the payment is affordable. Some people do this with stored up savings, tax refunds, borrowed money from friends and family, or they save up over time. We never want to put a customer into a car they can’t afford. That doesn’t help the customer, and it definitely doesn’t help us.
Ok, I get it. Where do I start?
To know for sure, you just need to come in to one of the Utah car dealerships and do a 5 minute application. We’ll have you approved and let you know which cars you qualify for and explain our low down payments.
August 24, 2015
Used Cars and Trucks in Utah
We have the used cars and trucks in Utah that you’re looking for. Need a Sedan? SUV? Minivan? Truck? We have many used cars and trucks in Utah, across locations in Ogden and Salt Lake City, Utah. We carry automobiles of all types, years, and mileages and will help you get exactly what you need. Every vehicle passes safety and emissions and is serviced and cleaned at our own in-house service center, so you can be sure of clean, safe, reliable transportation.
Perks of Buying a Car from Lucky’s
Each vehicle includes a 24 Month/24,000 Warranty, Oil Changes, and Safety & Emission inspections, so you can rest assured your purchase with us is protected and will last as long as possible. If you’re shopping for used cars and trucks in Utah, apply now!
With the variety of weather in Utah, we realize that you need a selection to choose from. Whether you need to travel through snow or mountains, or if you need a commuter car that gets good gas mileage, we carry it all.
View our used car inventory.
Below is a list of used vehicles we typically sell:
June 24, 2015
What are the requirements for purchasing a vehicle at Lucky’s Auto Credit?
The requirements are EASY! To purchase a car at Lucky’s you will need a valid Utah Driver’s License, a piece of mail like a utility bill or something similar that shows evidence of your name and address, and your most recent pay stubs or proof of income. You will talk to one of our friendly sales professionals and we’ll show you vehicles that fit your budget and credit situation. It’s easy to understand how to purchase a vehicle at Lucky’s Auto Credit and it only takes a few minutes. We have very convenient utah dealership locations in Utah to serve you: Ogden and Salt Lake City.
Do I have to have Good Credit?
We don’t require good credit, or any credit at all. In fact, we don’t care about your credit history at all. Your approval is based on a stability assessment that your salesperson goes over with you. Most people are amazed an how much they qualify for, and how little money they need to put down.
Our Goal is to Help You
At Lucky’s Auto Credit we want the vehicle and the loan to fit your specific needs. Fill out an application here to see if you pre-qualify! It’s the easiest way how to purchase a vehicle with bad credit in Utah!
March 31, 2015
Short Term Car Loans
There are times, when a customer does not qualify for credit from the banks, and they keep wondering, whom to approach for the money. Well, they might still be eligible for the short term loans, which are available for less than one year. These can be used for financing their temporary requirements or to build their good car credit.
How Long are Short Term Car Loans?
These are the loans which typically have a maturity period of less than three years, and are termed as the short term loans. Given below are some of the features of such loans:
- These loans can help in providing immediate funds for purchasing a used car.
- These loans can be repaid back in monthly instalments at simple rates of interest. And, the lump sum amount can be repaid back at any time.
- The documentation for taking these loans is quite easy, and is free of hassles. There are no complicated procedures to be followed.
- There are absolutely no prepayment charges, unlike some other car loans.
- Customers can get the loans very quickly, and it gives them a lot of flexibility.
- The loans are disbursed without doing a lot of checking of the customers credit history.
- The costs involved in long term debt may be higher than the short termed loans.
- There is a potential increase in interest rates on these types of loans due to the increased risk to the car dealership and/or finance company.
These short term loans, usually found an buy here pay here dealers, provide a great deal of flexibility for buying materials and services, and these can be repaid back at a later date. And, when all the other doors are shut, these loans can become quite helpful.
Apply Now for a Short Term Car Loan.
September 27, 2014
What is a Buy Here Pay Here Car Dealership?
Purchasing a vehicle is not always easy. One of the hardest things to do when you have bad or no credit is purchase a vehicle. You may try and you may have the funds, but a lender is not going to trust you because of your credit history, or lack thereof. When you desperately need a vehicle, this can leave you stranded and without any assistance. Visiting a buy here pay here car dealership, though, can help. This will give you the chance to purchase a used car without worrying about a third party lender having any say in whether you can purchase it.
This type of dealership does not use a third party lender. Typically, the third party lender is the one that does not want to lend to people with bad or no credit. It is their money on the line, after all, and their only priority is getting a good return on their investment. To determine who will make the best investment, they only have your credit report to look at and to judge. If your credit report does not meet their standards, it is unlikely that they will give you anything. They will not view you as a solid, reliable, and profitable investment.
A buy here pay here car dealership makes the choice alone. Usually, instead of looking at credit, they will look at other factors, such as income. This type of dealership does not look at credit at all. When trying to purchase a vehicle when you have no or poor credit, this is your best option. You can increase the likelihood of acceptance and you can get a vehicle that you like. It is easy to do, too. It is exactly like your average dealership, but you pay directly to the dealership and your car loan comes directly from them. It eliminates any third party involvement in the purchase.
It is safe to use a buy here pay here car dealership. This is one of the best options on the market because of the possibilities available. If you have never heard of one of these car dealerships, but stand to gain from their services, you may want to start using one. This will give you access to the funds that you need to make a purchase as well as the vehicles that you will actually want to drive. It is entirely safe to use, as well.