Individuals who have had credit problems – or who have not yet established credit – may consider Charleston 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.
If you’ve had experience dealing with Charleston dealers offering tote the note financing, you understand that these offers aren’t everything they’re cracked up to be. While they do allow customers with bad credit the chance to get into a vehicle, they may be doing so with low quality cars and trucks. If you have bad credit history but still want a vehicle with benefits like a pre-purchase multi-point inspection* with an included 30-day/1,500 mile limited warranty, don’t go with Charleston tote the note dealers; choose DriveTime!
The flexibility of payment options at Charleston dealers with tote the note financing are often considerably less than at used car dealerships like DriveTime. Tote the note dealerships typically only accept in-house payments, removing the customer’s ability to leave on extended vacations, move cities or avoid the embarrassment of getting caught by a friend making a payment. Conversely, DriveTime offers a wide range of payment options to meet the unique needs of our customers.
While we love what Charleston tote the note dealers do for those with bad credit history, it’s worth noting that DriveTime may be a better option. While we do not offer tote the note financing in Charleston, we do offer easy approvals, flexible payment options, a good selection of cars and trucks, 30-day/1,500 mile limited warranty, and friendly return policies. These are all options you won’t often find when searching for tote the note financing.
* 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.