Individuals who have had credit problems – or who have not yet established credit – may consider Baltimore dealers with “tote the note” financing for their next car purchase. These establishments often advertise themselves as “Buy Here, Pay Here” dealerships, where customers can make payments directly to the seller. Often, “tote the note” dealers set up in low-income neighborhoods where people are most likely to have credit or income difficulties, as these consumers are prime “tote the note” customers.
One common problem with Baltimore tote the note dealers is the quality (or lack thereof) of the vehicles they stock. Often, these cars carry high mileage and suffer from significant maintenance and repair issues. They may have been reconstructed after severe accidents and present alignment or other structural issues. However, Baltimore dealers with tote the note financing often highly inflate vehicle prices beyond fair market value.
While Baltimore dealers with tote the note financing offer financing opportunities to those with bad credit, it often comes at the expense of high interest rates and low quality vehicles. At DriveTime, we do not associate as an Baltimore tote the note dealer, and we also offer flexible financing and several payment options.
At DriveTime, we do our best to provide a large selection of vehicles and financing options, than local Baltimore tote the note dealers. In addition to helping customers obtain affordable and flexible financing, we stock our lot with a great selection of vehicles to choose from. We stand behind our products and service, as evidenced by our DriveTime difference, including a complimentary 30-day/1,500 mile limited warranty and 5-day no-hassle return guarantee.
* DriveTime is not able to make safety recall repairs, so vehicles may be subject to open recalls. Visit http://www.safercar.gov/ for more information about recalls.