How does buy-here, pay-here financing work?

When you buy and finance a car at a traditional car dealership, you choose a car and then the dealer typically passes your information to a network of potential third-party lenders. If you’re approved for a car loan, you make monthly payments to the lender that finances the loan.

At Centsible Auto Sales here in Kalispell, MT we change the car-buying process in a few key ways. We sell and finance the vehicles right here on the spot.  You meet the finance team directly and can explain your individual situation.  We talk to you and maybe even your family.  We care about why you need a car, and how long you've lived in our community.  We don't just feed numbers into a machine.  The human factor is a huge part of our decision making process.

The same local family owns both the dealership and the finance company.  We're not a nameless conglomerate that cares only about the numbers you represent. 

Your personalized buying experience will be tailored to your needs, desires, and budget.  Our sales staff aren't pushy, and don't have quotas or hidden incentives to sell a particular vehicle.  We help you select that's best for you.

When it comes time to pay for your car you'll find that our staff is small. They get to know you, and you them.  We care about you, and your family, when you have a baby, or when your house floods, or if someone is sick and things are tough.

When was the last time a national mega corp sent you flowers ?  It's happened here at Centsible!