Buy Here Pay Here Dealerships In Des Moines Access

For six months, Leo made the trek. Every Friday after his shift, he’d drive past the State Capitol, its golden dome gleaming in the sunset, to hand over a stack of twenties.

The gravel crunched under Leo’s boots as he stepped onto the lot of "Mid-State Motors" on Des Moines' East Side. The April wind, still carrying a sharp Iowa chill, whipped past rows of late-model sedans and high-mileage pickups.

The office was a small, wood-paneled trailer. A salesman named Gary met him with a firm handshake and a pot of stale coffee. Gary didn't ask for a FICO score. Proof of Income: He just needed two recent paystubs. buy here pay here dealerships in des moines

Leo wasn’t here for a dream car. He was here because his old Corolla had finally thrown a rod on I-235, and without wheels, his job at the warehouse in Ankeny was as good as gone. With a credit score bruised by medical bills, the shiny glass towers of the downtown banks weren't an option. The Sales Pitch

Leo looked at a 2014 Chevy Impala. The sticker price was nearly double what he’d seen on Craigslist, and the interest rate was a staggering 24%. But in the world of "Buy Here, Pay Here," you aren't paying for the car; you’re paying for the chance. The Contract For six months, Leo made the trek

"Give me $800," Gary said, "and you drive today."

Two years later, Leo handed over the final payment. He didn't get a celebratory gala or a low-interest refinance offer. He got a greasy title and a "Paid in Full" stamp. The April wind, still carrying a sharp Iowa

"Get it to me by Tuesday," Gary sighed. "But don't make it a habit." The End of the Road