Your for a down payment (e.g., $500–$1,000) Your location to find highly-rated local dealers

Some dealers report your on-time payments to credit bureaus, which can help raise your score over time.

Many require weekly or bi-weekly payments that coincide with your payday.

They rarely require a traditional credit check, making them accessible if you have a history of repossession or bankruptcy.

Expect APRs significantly higher than bank rates, sometimes reaching state legal caps.

If you want a list of to look for in a sales contract