Adjust Payment Terms ×

We want to help you find the perfect car that fits your budget. Please adjust the options below so we can estimate the most accurate monthly payments.

Estimated Credit Score or Interest Rate

Desired Loan Term (months)

How much will you put down?

All tax, title and vehicle registration fees are additional. See dealer for complete details.
Drive Away in 30 Minutes!
Lee's Summit, MO: (816) 524-4000
Olathe, KS: (913) 397-9300
Liberty, MO: (816) 246-3311

¡Se Habla Español!

FAQ About No Credit Check Auto Sales in Kansas City, MO

Get the Car You Want Today – Bad Credit OK!

If you’re one of the millions of Americans who need a car but have bad credit, don’t fret. Instant Auto has helped thousands of Lee’s Summit and Kansas City, MO residents get the vehicles they wanted, even with bad credit. Our no credit check auto sales mean you can drive home today in a new car, even if you have bad credit or no credit history. While many consider your credit score to be an important number, we know that it’s not always easy to maintain good credit. We can qualify you for financing at our no credit check auto dealership, so you can drive home today in a new or used vehicle. Take a look at the answers to some frequently asked questions, and visit us today to get the process started.

What Is a No Credit Car Loan?

A no credit car loan is an alternative for those prospective car buyers who have low or no credit scores. Everyone deserves to be able to buy a car, but traditional auto dealerships typically won’t lend to you if you fall in either of these categories. At Instant Auto, we provide auto financing, so you can drive home in the car you want today. Instead of using a third-party vendor, your loan will be with us, meaning you’ll pay us every month. There’s no credit check necessary, and bad credit is ok! Other terms you might hear for no credit car loans include bad credit loans and buy here pay here car loans. There are pros and cons associated with no credit car loans, but they’re a good way to get a vehicle if you have trouble qualifying for traditional auto loans.

How Do No Credit Car Loans Work?

No credit car loans are actually simpler than you might think. If you’re unable to get a loan at a traditional car dealership, don’t panic. Just come down to Instant Auto, and we’ll get you qualified for a new or used car today. You’ll start by meeting with our finance team, who can determine the amount of the loan for which you qualify. With a no credit car loan, there’s no credit check required, so it doesn’t matter if you have good credit, bad credit, or no credit at all! In many cases, your job is your credit. We know residents of Lee’s Summit and Kansas City, MO work hard for their money and need a reliable and safe source of transportation. Once we know your loan amount, we can then show you the vehicles we have available in that price range. You can learn more about them and take them for a test drive to determine which car is best for you. From there, you’ll make monthly payments just like you would when you buy a car at any other auto dealership in Kansas City.

Can I Figure Out My Finance Rate?

To be honest, it’s going to be difficult to figure out your finance rate ahead of time. The best thing you can do is visit Instant Auto, where you can drive away in 30 minutes! That means the process is quick and easy. If you have a monthly income of at least $1,500 gross, you’ll most likely qualify for one of our no credit car loans. Most often, you’ll have a payment-to-income ratio that does not exceed 15 to 20% of your income. That means that if you make $2,000 a month, your monthly payment should not be more than $400. While your interest rate may be a bit higher with a buy here pay here loan, it’s a great way to get the vehicle you want today.

What Is Covered Under My Financed Vehicle?

Getting a bad credit auto loan from a buy here pay here car lot in Kansas City isn’t too different from a traditional car loan. If you’ve been wondering how to get a loan with bad credit, we can help. Our no credit check auto sales mean you have monthly payments that are made directly to us. In many cases, you’ll be able to drive home in your new vehicle with no down payment. Making your payments on time every month could help you build up your credit for the future. If you’re interested in a warranty for your vehicle, discuss that with one of our knowledgeable and friendly associates.

What’s the Best Auto Dealership for No Credit Car Loans?

The answer is simple. If you’re looking for the best no credit car loan dealership in Lee’s Summit, MO and Kansas City, MO, look no further than Instant Auto. We’re your one-stop-shop and can help you drive home in a new or used vehicle in just 30 minutes. Whether you have no credit or bad credit, we can get you qualified for a car loan, so you aren’t stuck without a vehicle. There’s no credit check required, and you don’t have to deal with a third-party lender who only looks at you as a credit score and not an individual. Now that you know more about no credit check auto financing and how it works, visit Instant Auto today to drive home in the car you’ve been wanting.