BUYERS ZONE INC - West Palm Beach, FL
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At Buyers Zone If you work, You RIDE!! Let us know how we can help you today! We specialize in helping people with credit challenges! * BAD CREDIT * BANKRUPTCY * DIVORCE * NO CREDIT * INTERNATIONAL ID * SELF EMPLOYED * HARD TO PROVE INCOME * REPOSSESSIONS * NO SOCIAL SECURITY * WE APPROVE EVERY ONE WITH A JOB!
 

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4115 S Dixie Hwy - West Palm Beach, FL (561) 659-6210 -

BUYERS ZONE INC - West Palm Beach FL, 33405

Buyers Zone has a continuous history selling high quality pre-owned vehicles to people with good and bad credit in the West Palm Beach market since 1970. Buyers Zone is not the typical dealer. We believe that used car dealerships can treat people with respect.



This is especially important since many of our used car customers are in the process of rebuilding their credit. We understand that bad things can happen to good people. This is why we were the first in Palm Beach to offer guaranteed financing on used cars. Every customer is evaluated based on their financial condition, not just on their Beacon score. We want our used car customers to rebuild their credit. This is why we report their positive payment history to the credit bureaus. Reporting to the bureaus is very expensive for the dealership. This is why most used car dealerships who offer in house financing don't report to the credit bureaus. The negative of failing to report to the credit bureaus is that years from now a person can be in the same credit situation in spite of the fact that they have been paying religiously on their loan.



The differences with Buyers Zone don't stop with the way we treat our valued used car customers either, the actual vehicles are different as well. We have more recent model vehicles that are in better condition than at the other Buy Here Pay Here dealerships. We currently have 150+ various model used cars and trucks to choose from. Since the used vehicles are in better condition, the car loan customers don't have the level of repair costs to their used cars or truck that they would at a typical Buy Here Pay Here dealership. Lower repair bills mean the loan customer is getting a better car for less money overall. The great working condition of Buyers Zone's vehicles also allows it to offer a FREE 90 DAY LIMITED WARRANTY with every financed vehicle! This is due to the increased confidence that the vehicles will be on the road for the term of the loans. We are so confident in the quality of our inventory that Carfax reports are available on all of our vehicles.



Buyers Zone is also a great place to work. We believe that employees who are treated well will treat their customers the same way. The same is true for employees that are treated poorly. Look at some of the local high stress dealerships as evidence of this. A stressed out employee will not give their customers the respect and time that it takes to make a good buying decision. Why would you want to deal with a stressed out salesman? At Buyers Zone, we encourage our representatives to take the time to help all of their customers find the right used car for them. This is why we have more long term employees than is typical for the car business.



The bottom line is that Buyers Zone is a much better place to buy a used car for good credit customers as well as bad credit customers who find that they can't get bank financing. You will receive a vehicle in much better condition your positive payment history will be reported to the credit bureaus, and most of all, you will always be treated with respect. Guaranteed!



We look forward to seeing you soon!



Credit Challenges That Buyers Zone Can Help With:



Credit challenges can come in a variety of forms. Buyers Zone in Palm Beach can help! Below are some of the most likely situations that cause consumers with damaged credit to have difficulty when buying a car.



Bad Credit: Many South Florida residents now have damaged credit. Often this is the first time that credit scores have dipped below the "Good" level. Credit scores can be low due to financial distress brought on by a variety of causes. Regardless of the cause of the damaged credit, Buyers Zone in West Palm Beach can help! Traditional dealerships do not make the lending decision. They instead rely on a network of lending institutions. Unfortunately for many, the lending restrictions of these banks will prohibit those with damaged credit from buying a vehicle. Credit reports can show challenges in different areas:



- Slow Payment: Financial distress typically causes a borrower to slow down on making payments which results in damaged credit. The credit bureaus see this and lower the beacon score accordingly. This may be enough to prohibit a borrower from getting the car loan that they want. Buyers Zone will look at this, but we also look at the whole picture. Even though your credit score may not reflect improvements in your financial condition we can often get past this.



- Repossessions: This most often results in an automatic turn down at the banks. Their lending standards do not allow for lending to anyone who has an auto repossession on their credit report. Buyers Zone will look at this, but we also look at the whole picture. We can often get past this. The banks deal more in black and whites and will most likely turn you down if you have damaged credit.



- Bankruptcy: This most often results in an automatic turn down at the banks. We look at many people with discharged bankruptcies as a much better credit risk because they have no debt. We will look at the current financial picture and make a decision based on your current ability to pay.



- Divorce: Divorce can lead to financial distress in many cases. It is very expensive and can result in the need to support two households in place of one. Emotions often take over and result in bad financial decisions that ultimately lead to damaged credit scores. Banks hate uncertainty! We will look at all aspects of your current financial picture rather than what has already transpired.



No Income Verification: While the government requires citizens to document their income and pay taxes, this is sometimes easier said than done. If employers don't provide the proper documentation, the worker is in a tough spot. To report the employer, the worker will most likely lose their job. In times of economic strain, there are more cases of this than you would imagine. We can help many individuals in this situation. The common theme here is that we look beyond the credit score and traditional income documents. Remember, we are the bank. It is up to us!



No Citizenship Documentation: This is an automatic deal killer at the traditional dealerships. Banks will not lend to anyone without documentation of citizenship. The real fear is that the individual has no roots in the community and may try to flee with the vehicle. The banks would rather avoid this risk. We can help many individuals in this situation. The common theme here is that we look beyond the credit score and traditional income documents. Remember, we are the bank. It is up to us!



First Time Buyers: First time buyers typically don't have bad credit, as a matter of fact, they might have a very good score. The problem is that their credit is based on small purchases. They might have a credit card or store credit with a relatively low limit. The problem with this scenario is that the banks like to see that the customer has paid successfully on something of similar or greater value. Typically dealerships will ask for a cosigner in this case. Buyers Zone will look at your ability to pay for the vehicle that you are trying to purchase. If you have a job and some cash, we should be able to help you!



Disability: Disability poses some challenges with traditional bank financing. Typically the income level is fairly low with no prospects of an increase. In addition, the borrower may or may not be able to drive. There are question marks here which the banks try to avoid. Buyers Zone understands that you may need to get to doctor's appointments and need transportation. If you can repay the loan, we should be able to help you!



Self Employed: Many self employed individuals fall into the no income verification category. Small business ownership is still the most likely path to millionaire status in this country. Unfortunately, while starting up, the business typically draws down the owner's resources. This can cause banks to shy away due to an out of whack balance sheet. We can help you! Call today!



We hope you noticed the trend here! Where the banks are at times overly conservative, Buyers Zone can help. Let us help you buy your next vehicle today!

Buyers Zone VS Buy Here Pay Here

In Recent years the US economy, and to a greater extent, the Palm Beach and South Florida economy has suffered. Employment in the Palm Beach housing industry was a significant percentage of the overall work force. The collapse of this segment of the job market has left many Palm Beach area residents unemployed, or under employed. The loss of these jobs, and the decrease in housing values, has caused a negative effect on the credit ratings of Palm Beach, Martin, Broward and Miami-Dade County residents.

The factors listed above have made it far more difficult for many Palm Beach county residents to buy a vehicle. Typical dealerships do not offer financing. Vehicles are financed or leased through a network of lending institutions. These banks have minimum credit standards that are typically above the level of those that have recently gone through, or are in the midst of financial issues such as Bankruptcy, Divorce, and Real Estate Loan Modification.

For those Palm Beach, Martin, Broward, and Miami- Dade County residents that have found themselves in need of a vehicle, but fall below the minimum beacon score level of the financial institutions, Buy Here Pay Here dealerships can be the solution.

Buy Here Pay Here dealerships offer in house financing for the vehicles that they sell. As a result, bad credit car loan customers can often buy the car they need. Buy Here Pay Here dealerships do come with a set of challenges for the consumer. Most Buy Here Pay Here dealerships offer high mileage, inexpensive vehicles, and require large down payments, on extended term loans. The end result is that the bad credit car loan customer ends up with a vehicle that is likely to require substantial repairs to keep it running until the loan is paid off. The typical Buy Here Pay Here dealership will try to collect most or all of what it has invested in a vehicle with the initial deposit from the bad credit car loan customer. This minimizes the risk to the Buy Here Pay Here dealership. The goal is to collect as much as possible before the car dies. When the car dies, the dealership starts the cycle again, but this time the bad credit car loan customer is coming to the transaction with a balance owed from the previous vehicle. This is a cycle that can be hard to escape from. The worst part about these dealerships is that the customer can pay religiously and find that their credit is unaffected. The reason for this is that the typical Buy Here Pay here dealership does not report payments to the credit bureaus.

This is where Buyers Zone comes in. Buyers Zone reports payments to the credit bureaus for the bad credit car loan customers. This process is very expensive, but is the only way that bad credit car loan customers can rebuild their credit. Buyers Zone stocks a wide range of vehicles to suit the desires and financial abilities of the bad credit car loan consumers, as well as its more traditional customers. The vehicles have lower miles and are in much better condition than at the typical Buy Here Pay Here dealerships. Every customer is evaluated based on their financial condition, not just on their Beacon score. This allows good people that have gotten themselves into a bad situation, to get the reliable transportation that they need. Since the vehicles are in better condition, the bad credit car loan customers don't have the level of repairs to their vehicles that they would at a typical Buy Here Pay here dealership. Lower repair bills mean that, in many instances, the bad credit car loan customer can get a better car for less money overall. The great working condition of Buyers Zone's vehicles also allows it to collect a lower percentage of the initial purchase up front. This is due to the increased confidence that the vehicles will run for the term of the loans.

The bottom line is that Buyers Zone is a much better place to buy a car for bad credit car loan customers who find that they can't get bank financing. You will receive a vehicle in much better condition. Your positive payment history will be reported to the credit bureaus. You will always be treated with respect.

We look forward to seeing you soon!







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