35 Millbrook St, Worcester, MA 01606

(508) 595-3245

buy here pay here alternative
The Buy Here, Pay Here Alternative in MA
Zero Credit, Bad Credit, No Problem! Mass EZ Credit of Worcester, MA is here to help you buy your next car, regardless of credit.

Have you been turned away from car dealerships in Leominster, Fitchburg, and the greater Worcester area because of your credit? Here at Mass EZ Credit, we aim to help everyone with their next car purchase – even if you have bad credit, or if you are a first-time buyer with zero credit in Central MA.

We keep car buying safe and simple, in just three easy steps:

Step One: Get Pre-Qualified Online! Fill out our short credit application form for a bad credit, no credit car loan.

Step Two: Select Your Next Vehicle! Work with our specialists and pick out your next vehicle based on your loan pre-qualification.

Step Three: Enjoy Your New Car, Truck or SUV! It really is as simple as 1-2-3!

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Three Reasons To Avoid Buy Here, Pay Here Dealers in MA

Yes, buy here, and pay here sounds great in theory, and it is perceived as a great way for people with poor credit to qualify for a car loan – but buy here, pay here programs have several major inconveniences.

Buy Here, Pay Here have very high interest rates. If you are looking to shop at a BHPH dealership lot, you should expect to pay anywhere from 20-30% in interest on whatever loan amount you are qualified for.

Could pay more than what the car is worth. Traditional lenders and institutions like those Mass EZ Credit is partnered with limits the loan amount to what is the vehicle’s true value. Whereas Buy Here, Pay Here car lots do not follow similar rules, so they can allow you to borrow and pay more than the car is worth. Ultimately, financing with a Buy Here, Pay Here dealership in Massachusetts, could put you upside down the instant you leave the lot.

Lenders may install a tracking device. Yes, you heard that correctly. Since you are considered a higher credit risk, BHPH dealers may feel inclined to track your vehicle so they can repossess your car if you miss a single payment.

Why Mass EZ Credit is The Best Buy Here, Pay Here Alternative

We work with a variety of qualified financial institutions and lenders who will find the best possible rate for you, regardless of your credit history. Our lending partners will only provide a loan equivalent to the actual cars worth, and we will never track your vehicle.

Who can Mass EZ Credit help finance?

We recognize that there are a lot of hard-working individuals who have been turned down by traditional banks and other financial institutions when trying to purchase a vehicle. That is why our Bad Credit, or No Credit auto financing services was created, to help you finance your next vehicle with the best possible rates.

We proudly accept anyone with the following circumstances (just to name a few):
  • Zero Credit or Poor Credit
  • Recent College Graduates with No Established Credit
  • Student Loan Debt
  • Trouble Proving Income or Self-Employed

If you have any questions about our car buying process, please call us at (508) 595-3245 or email us help@massezcredit.com.