2531 West Liberty Ave. Pittsburgh, PA 15226 412-343-3334

Buy Here Pay Here and Special Financing

>> Bad Credit, No Credit No Problem! 

>> Down Payments as Low as $500 (plus Tax & Tags) 

>> Repossession, Divorce, Bankruptcy 

>> Online Applications! Get an Answer Now! 




We can get you a car loan! Have income? You’re approved! Bad credit, no credit, slow credit, good credit? NO PROBLEM! We accept buyers have had credit problems like bankruptcy, repossession, divorce and more. We work with multiple sub-prime lending companies and can get anyone financed. 

 We don't care about your credit. We utilize a network of lenders that will finance even those with bad credit history. What our lending partners care about is your "stability and ability" or your ability to pay and the stability of your current situation. 


How To Buy A Used Car In Pittsburgh, PA

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How To Buy A Used Car in Pittsburgh


1)    Figure out what type of car best suits your needs.  Although you may have always dreamed of owning an exotic sports car, practical considerations may not make this the best type of vehicle for you.  If you have a family, you would be better off with a roomy family sedan; or, if you have a large family, you may need a 7 passengers SUV or mini-van to accommodate everyone.  Pittsburgh also can have tough winters, so if you live on top of one of its many steep hills or cobble-stone streets, consider a 4 wheel drive or all-wheel drive vehicle.  Finally if you drive a lot and are on a tight budget, a vehicle’s gas mileage is more important than if you only drive short distances.  Used Car World of West Liberty has a large selection and variety of vehicles to suit almost any of your vehicle needs.


2)    Make a budget and determine how much you can afford to spend on a vehicle.  Life is full of expenses, including housing, utilities, food, health care, and transportation.  Making a budget that lists your income and expenses is the best way to determine how much you can afford to spend on a used car.  After all your other expenses are paid, see how much is left over for your vehicle payments, gas, and vehicle maintenance and repair.  Even the best vehicle needs routine maintenance, including oil changes, brakes, exhaust, etc. and this should be included in your budget to ensure a happy vehicle ownership experience.  Used Car World and its lenders will work hard to ensure that your vehicle payments will fit your budget.


3)    Locate pre-owned vehicles for sale in your area.  Now you’re ready to locate pre-owned vehicles that suit your needs and your budget.  It can be challenging shopping for a car online.  Many dealerships have very little information about their cars listed on their website.  They may also have very few pictures of the vehicle available or pictures that are small and hard to see.  Used Car World of West Liberty prides itself on listing as much information about a vehicle as practical and having multiple exterior and interior pictures of every vehicle available for you to view from the comfort of your home or office.  We do the work so you don’t have to, making your car selection process care-free and easy.


4)    Make sure the vehicles you are looking at have a current Pennsylvania State Emissions and Safety Inspection.  Fortunately Pennsylvania has one of the county’s most rigorous state inspection policies and procedures to ensure that vehicles on the road are safe.  At Used Car World of West Liberty we go the extra mile to make sure that all our vehicles have current PA emissions and safety inspection completed prior to the sale.  You take your family’s safety seriously and so do we.   We partner with an independent network of Pennsylvania State Licensed motor vehicle repair facilities to service and inspect all our vehicles before we put them on our lot.  Finally, remember Pennsylvania’s strict vehicle inspection laws before driving hours to view that “incredible deal” on vehicles in other states.  That “great deal” may not be so great when you take your vehicle to get inspected in Pennsylvania.


5)    Check the vehicle’s history report.  A car can be maintained and inspected but still have had problems that aren’t visible to the naked eye.  That’s why Used Car World of West Liberty has chosen to be a Carfax Advantage Dealer and offers a free Carfax report on every vehicle in our inventory.  The Carfax vehicle history report is an important tool to determine if a used vehicle has an open recall or has previously been involved in a serious collision that damaged its frame or drivetrain.  It can also list prior ownership, repair and maintenance history.  This information is extremely helpful in selecting a quality pre-owned vehicle which is why Used Car World if proud to be a Carfax Advantage Dealer.


6)    Contact dealers and make an appointment to view and drive the vehicle. Now that you’ve narrowed your list to cars that meet your needs and budget, are inspected and have a favorable history report, it’s time to go see and drive the vehicles you’ve selected.  Avoid any dealer that discourages test drives.  Used Car World of West Liberty encourages prospective customers to test drive its vehicles to ensure a satisfactory buying experience.


7)    Close the deal.  Once you found the right vehicle for you and your family it’s time to close the deal.  Negotiate the best deal possible with your salesperson.   You also need to make sure you have insurance for the car you just bought before you drive it away.  Review the dealership sales contract thoroughly.  It lists the cost of the vehicle, a documentation fee, sales tax and license fees.  Also, the salesperson may try to sell you a number of additional items such as an additional warranty, anti-theft devices, prepaid service plans or fabric protection. Some people want the peace of mind that comes with extended warranties, so this is something you might want to consider.  Used Car World of West Liberty does not sell any “add-ons” except extended warranties, which offer additional protection against unforeseen mechanical breakdowns. 

CarFax Advantage Dealer

Carfax is the vehicle history expert for used car buyers, sellers and the automotive industry. Carfax created the Vehicle History Report in 1986 and is trusted by dealerships across North America to help acquire, advertise and retail used cars.  CARFAX is the leading source of vehicle history information for buyers and sellers of used cars. Today, CARFAX has the most comprehensive vehicle history database available in North America. In fact, millions of consumers trust CARFAX to provide them with vehicle history information every year.

And for good reason - CARFAX receives information from more than 91,000 data sources including every U.S. and Canadian provincial motor vehicle agency plus many auto auctions, fire and police departments, collision repair facilities, fleet management and rental agencies, and more.

Records included in each CARFAX Report reveal important information about a car’s history, such as an odometer reading, existence of a branded title such as a salvage/junk title, or past registration as a fleet vehicle. A CARFAX Report may not include every event in a vehicle’s history, but will include the data that is reported to CARFAX for a specific vehicle identification number (VIN).

CARFAX Vehicle History Reports™ are available on all used cars and light trucks model year 1981 or later. Using the unique 17-character vehicle identification number (VIN), a CARFAX Report is instantly generated from our database of over ten billion records.

Every CARFAX Report contains information that can impact a consumer's decision about a used vehicle. Some types of information that a CARFAX Report may include are:
• Title information, including salvaged or junked titles
• Flood damage history
• Total loss accident history
• Odometer readings
• Lemon history
• Number of owners
• Accident indicators, such as airbag deployments
• State emissions inspection results
• Service records
• Vehicle use (taxi, rental, lease, etc.)

Plus, the exclusive CARFAX Buyback Guarantee reduces the risk involved in buying a used car. If the CARFAX Report fails to include a DMV-issued branded title (such as salvage, fire or flood damage, and odometer problems), CARFAX may buy the vehicle back for the full purchase price*. You can also use the free CARFAX Lemon Check to help avoid cars with problems.

The Carfax Advantage™ Dealer Program distinguishes Carfax- subscribing dealers that are committed to transparency. Through the program, participating dealers can set themselves apart from their competition. Used car shoppers know they can buy with greater confidence when shopping at any Carfax Advantage dealership.
According to recent research, more than 80% of used car shoppers surveyed said they would prefer to shop at a Carfax Advantage dealership. Carfax Advantage dealers have another way of building confidence with used car buyers and help customers make faster buying decisions.

As part of the program, participating dealers have unlimited access to Carfax Vehicle History Reports and Carfax Auction Quick Check, plus a Consumer Information Pack for every car being retailed. “Transparency greatly influences consumers when making their dealer choice,” said Bill Eager, vice president of Carfax. “Thousands of consumers we tested said that the Carfax Advantage program means trust and confidence. They know immediately that a Carfax Advantage dealer will show them the Carfax.  That's why Used Car World of West Liberty Avenue is proud to be a Carfax Advantage Dealer!  We offer our customers the facts and nothing but the facts by showing them the Carfax.

Bad Credit Car Loan FAQs

Q.  Do lenders just look my credit score when considering me for a vehicle loan?  

A. No.  Lenders also look at other factors including a person’s
 ability to repay the loan and their stability, such as how long you have lived at your residence or worked at your current job.

Q. Can I get financed for a vehicle if I have one or more repossessions?  

A. Yes!  We routinely get people financed who have previously had one or more vehicles repossessed.  Although repossessions negatively impact your credit, our subprime lenders understand that your vehicle may have gotten repossessed due to factors beyond your control, such as an accident that results in the total loss of the vehicle, major mechanical failure, illness, or job loss.  Also our Buy Here Pay Here program guarantees approval with no credit check if you put 50% down on the retail price of any vehicle plus tax and tags.

Q. Can I get financed for a vehicle if I have declared bankruptcy?  

A. Yes, we can get you financed after a bankruptcy.   We and our lenders understand that sometimes people have to file for bankruptcy to get relief from overwhelming debt. 

Q. Can I get financed for a vehicle if I have a very low or no credit score?  

A. Yes, we can get you financed even if your credit score is below 500, or if you have no credit score at all.  Our lenders look at other factors besides your credit score to make lending decisions and our Buy Here Pay Here program guarantees approval with no credit check.

Q. Can I get financed for a vehicle if I already have an auto loan?  

A. Yes!  If you have sufficient income to support a second auto loan, our lenders may approve your application for a second vehicle because they know that people sometimes need a vehicle for their significant other or spouse.

Q. I’ve contacted other bad credit used car dealers who told me I was approved for an auto loan, only to go there and be told that they couldn’t get me financed.  How can you get me financed when other dealerships turned me down?  

A. Used Car World of West Liberty Avenue’s finance team consists of several professionals who have over 30 years of individual experience with subprime auto financing, and our family of dealerships has been in business for over 18 years in the Pittsburgh area.  Consequently our finance department can frequently get our subprime lenders to make exceptions and extend financing to people who have been turned down elsewhere.

Q. I’ve been to other bad credit used car dealers who got me approved for a vehicle, but when I added up my payments I realized that I was paying a lot more than the book value of the car.  How is your dealership different?  

A. At Used Car World of West Liberty Avenue, we post the prices of all our vehicles on our website as opposed to just posting a monthly payment.   Our prices are based upon the vehicle’s NADA book value and our lenders use these values to determine the amount of the loan because the vehicle is the collateral for the loan.  This ensures that the price you pay for the vehicle is based on its book value.  Of course there is a price to be paid for having bad credit.  People with bad credit pay a higher interest rate than people with good credit because loans to people with bad credit are considered riskier than loans to people with good credit.  The interest rate our lenders offer is related to your credit profile.  However, many states, including Pennsylvania have limits on how high lenders can set interest rates for loans.

Q. What documentation do I need to bring with me to get approved for a vehicle loan through a subprime bank?  

A. You will need to bring the following documentation to get approved for bank financing: a) Proof of income in the form of your latest pay stub, a job letter, SSI award letter, bank statements, or other proof of income as appropriate.  Even if you are self-employed or don’t get a regular pay stub, our special finance professionals can show you how to prove income to our banks; b) Proof of residence in the form of a phone bill, utility bill, or checking account statement that is mailed to your residence on a monthly basis; and c) A valid driver’s license from the state in which you reside.

    Q. Do I need anything else to get approved for a vehicle loan?  

A. Yes, you will need to bring a down payment and pay the sales tax and tag fees for the jurisdiction in which you reside.  You will also need to provide proof of full coverage insurance when financing a vehicle.  Our finance team can help you obtain insurance if needed and can get you approved for a vehicle loan with as little money down as possible.

Q. Why should I choose Used Car World of West Liberty for my next vehicle?    

A. There are many reasons why Used Car World of West Liberty Avenue is your number one choice when shopping for a pre-owned vehicle.  First, our dealership prides itself on providing “good cars to people with bad credit” and all our vehicles are safety checked and serviced prior to sale.   We are based in Pittsburgh Pennsylvania, which mandates both emissions and safety inspections on all vehicles.  Inspection standards vary by state, with fewer than 20 states now requiring that vehicles be inspected.  Pennsylvania has some of the most rigorous state inspection requirements in the country so when you finance a vehicle from our dealership you can be assured that it will have a current Pennsylvania inspection that is performed by an independent repair facility which is licensed by the Commonwealth.  Second, our overhead is far lower than new car dealership as well as many used car dealers and our buyers have many years of experience in the auto industry.  As a result they know how to purchase quality pre-owned vehicles at the right price and extend the savings to you.   Our discounted cash prices are generally far below a vehicle’s book value.  Finally, unlike most other dealerships, we offer both subprime bank financing, Buy Here Pay Here Financing with No Credit Check, and discounted cash prices for cash buyers or people with good credit who want to secure their own financing.  This combination ensures that our customers get the best deal possible on their vehicle.

Getting A Car Loan With Bad Credit

1)      How can Used Car World of West Liberty Avenue help me get a car loan if I have bad credit?  Used Car World of West Liberty Avenue offers both subprime bank financing and Buy Here Pay Here Guaranteed Financing with no credit check to help people with bad credit or no credit get a vehicle loan for a pre-owned car, truck or SUV.

 2)      What is subprime bank financing?  Subprime bank financing is financing offered by banks that specialize in providing auto loans to people with less than perfect credit.  Your past mistakes shouldn’t continue to prevent you from getting a chance to rebuild your credit and get an auto loan, but many banks and credit unions won’t give loans to people who have even minor blemishes on their credit history.  Our subprime lenders say, “Yes” when others say, “No”.  We work with a variety of subprime lenders who offer different financing programs for any type of credit, no matter how low a person’s credit score.  These lenders look at your individual credit profile, and take into consideration factors besides your credit score like measures of stability, such as length of time you have worked at your job and lived at your residence.  Based on your credit profile these banks will tell you how much you need to put down to get an auto loan.

3)      What is Buy Here Pay Here Guaranteed Financing with No Credit Check?  Buy Here Pay Here Financing is an in-house financing program where the owner of the dealership extends you credit directly.  It is exactly what it sounds like, you buy your car here and you make your payments here.  Unlike some dealerships who advertise that they are a Buy Here Pay Here lot but sell the financing to outside lenders, we offer true Buy Here Pay Here in-house financing, and never sell the car loans to someone else.   Because our dealership finances people directly, the program guarantees approval with no credit check to anyone who puts half down of the retail price of any vehicle plus tax and tags.

 4)      What are the advantages and disadvantages of subprime bank financing?   Subprime bank financing has two major advantages.  First, these lenders typically require far less of a down payment than the 50% down required for approval with Buy Here Pay Here financing.  Second, subprime banks report to credit bureaus and making timely payments on your auto loan will significantly improve your credit score.   However, subprime bank financing has some disadvantages.  First, they require you to provide proof of income and proof of residence before they give you a loan.  This means that you will have to provide them with pay stubs or a job letter if you work for someone else, an award letter if you get SSI or disability, or bank statements if you work for yourself.  They also require you to verify your residence by providing a phone, utility bill, or bank statement mailed to your residence every month.

5)      What are the advantages and disadvantages of Buy Here Pay Here Guaranteed Financing?  Buy Here Pay Here Financing has several advantages.  First, it allows us to finance someone who cannot meet the requirements of bank financing.  Second, it allows people who have a significant cash down payment to afford to buy a car that would otherwise be beyond their budget by making some payments directly to our dealership.  The disadvantages of Buy Here Pay Here Financing is that it typically requires significantly more down than bank financing, and that it does not help you re-establish your overall credit history.

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