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Is it better to pay cash for a used car?

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Is it better to pay cash for a used car?

So you're ready to buy a used car for sale near you. As an Elkhart used car dealer, USA-1 is an unparalleled resource for help. Not sure whether you should pay cash or finance your next car? Let's review the benefits and disadvantages of paying cash for a used car in Elkhart! Whatever decision you make, you can trust our car lot near you to provide a positive experience. 

Is there a downside to paying cash for a car?

If you are willing and able to pay cash for a car, is it a good idea? Whether you're shopping for a used SUV or a used truck for sale near you, buying a car is expensive. Let's consider the consequences of draining your savings account for a used car for sale near you.

  • It can take a great deal of time to save up enough money to buy a car. Your savings could be earning interest or kept available for an emergency. If you need to deplete your life's savings to pay cash for your next used car, it's probably not a good idea.

  • Paying cash for a car at our Elkhart used car dealer will not improve your credit. If you finance your car at our buy here, pay here near you, you can raise or build your credit score over time. For customers with no credit or bad credit, this is an invaluable opportunity to improve your financial health.

There are advantages to paying cash for a used car for sale near you, of course! If you're in a position to pay cash at our Elkhart used car dealer, here are the biggest benefits.

  • You won't have a monthly car payment to deal with. The used car in Elkhart will be entirely yours to do with whatever you please.

  • You won't pay any interest on your next used truck for sale near you. This can save you thousands of dollars over the term of a loan.

  • You'll be forced to stick to a very real budget. If you can't afford a model at our car lot near you, it will be immediately obvious. If you are prone to overspending on impulse, paying cash can be a responsible way to moderate your spending.

  • Paying cash can often provide leverage in negotiations.

Do car dealerships run credit if you pay cash?

No, since you aren't applying for an auto loan, there's no reason to run your credit. If you have a poor credit score, paying cash is an easy workaround. However, USA-1 is a buy here, pay here near you, which means we finance customers with bad credit all the time. Don't let your low credit score prohibit you from applying for a car loan at our Elkhart used car dealer! Whatever your financial situation might be, our car lot near you is here to help. We'll go above and beyond to help you get into a safe and reliable used car for sale near you.

 

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Exterior: 
Black
Interior: 
Black Leather
Mileage:
47,717
Engine:
6cyl, 3.6 L, 285 HP
Model #: 
JKJP74
VIN:
1C4BJWEG7HL711249
Stock #:
711249
Internet Price:  
$24,900
This used 2017 Jeep Wrangler Unlimited Smoky Mountain 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2017 Jeep Wrangler Unlimited Smoky Mountain 4x4 features a Black Clearcoat Exterior with a Synthetic Leather Interior and has only 47,717 miles.TECHNOLOGY FEATURES: This Jeep...   Read More
Exterior: 
Gold
Interior: 
Chestnut w/Ebony Accents 
Mileage:
32,626
Engine:
6cyl, 3.6 L, 310 HP
Model #: 
4ND56
VIN:
5GAERDKW1LJ157752
Stock #:
157752
Internet Price:  
$26,900
This used 2020 Buick Enclave FWD Avenir is for sale today at our dealership in Elkhart, IN.This fwd 2020 Buick Enclave FWD Avenir features a Champagne Gold Metallic Exterior with a Synthetic Leather Interior and has only 32,626 miles.TECHNOLOGY FEATURES: This Buick Enclave Includes: WiFi Mobile...   Read More
Exterior: 
Black
Interior: 
Graphite 
Mileage:
35,619
Engine:
6cyl, 3 L, 300 HP
Model #: 
90419
VIN:
JN1EV7AR0KM558927
Stock #:
558927
Internet Price:  
$19,900
This used 2019 INFINITI Q50 3.0t LUXE is for sale today at our dealership in Elkhart, IN.This awd 2019 INFINITI Q50 3.0t LUXE features a Midnight Black Exterior with a Fabric Interior and has only 35,619 miles.TECHNOLOGY FEATURES: This INFINITI Q50 Includes: Remote Engine Start, Navigation System,...   Read More
Exterior: 
Brown
Interior: 
Dark Titanium/Jet Black 
Mileage:
20,485
Engine:
6cyl, 3.6 L, 305 HP
Model #: 
1GY69
VIN:
2G11Z5S38K9143844
Stock #:
143844
Internet Price:  
$19,900
This used 2019 Chevrolet Impala LT is for sale today at our dealership in Elkhart, IN.This fwd 2019 Chevrolet Impala LT features a Pepperdust Metallic Exterior with a Fabric Interior and has only 20,485 miles.TECHNOLOGY FEATURES: This Chevrolet Impala Includes: Remote Engine Start, WiFi Mobile...   Read More
Exterior: 
Red
Interior: 
Black 
Mileage:
46,285
Engine:
6cyl, 3.6 L, 285 HP
Model #: 
JLJL74
VIN:
1C4HJXDG9MW507272
Stock #:
507272
Internet Price:  
$29,900
This used 2021 Jeep Wrangler Unlimited Sport S 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2021 Jeep Wrangler Unlimited Sport S 4x4 features a Firecracker Red Clearcoat Exterior with a Fabric Interior and has only 46,285 miles.TECHNOLOGY FEATURES: This Jeep Wrangler Unlimited...   Read More
Exterior: 
White
Interior: 
Black 
Mileage:
23,732
Engine:
4cyl, 2 L, 147 HP
Model #: 
F1322F45
VIN:
KMHTG6AF4LU020923
Stock #:
020923
Internet Price:  
$17,900
This used 2020 Hyundai Veloster 2.0 Premium is for sale today at our dealership in Elkhart, IN.This fwd 2020 Hyundai Veloster 2.0 Premium features a Chalk White Exterior with a Fabric Interior and has only 23,732 miles.TECHNOLOGY FEATURES: This Hyundai Veloster Includes: Remote Engine Start,...   Read More
Exterior: 
Silver
Interior: 
Jet Black 
Mileage:
33,859
Engine:
6cyl, 3.6 L, 310 HP
Model #: 
6NH26
VIN:
1GYKNDRS3JZ246926
Stock #:
246926
Internet Price:  
$19,900
This used 2018 Cadillac XT5 Luxury is for sale today at our dealership in Elkhart, IN.This awd 2018 Cadillac XT5 Luxury features a Radiant Silver Metallic Exterior with a Fabric Interior and has only 33,859 miles.TECHNOLOGY FEATURES: This Cadillac XT5 Includes: WiFi Mobile Hotspot, Remote Engine...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
37,802
Engine:
4cyl, 2 L, 208 HP
Model #: 
CLA250C4
VIN:
WDDSJ4GB4JN554981
Stock #:
554981
Internet Price:  
$19,900
This used 2018 Mercedes-Benz CLA 250 4MATIC is for sale today at our dealership in Elkhart, IN.This awd 2018 Mercedes-Benz CLA 250 4MATIC features a Night Black Exterior with a Fabric Interior and has only 37,802 miles.TECHNOLOGY FEATURES: This Mercedes-Benz CLA 250 Includes: WiFi Mobile Hotspot,...   Read More
Exterior: 
Gray
Interior: 
Charcoal 
Mileage:
16,830
Engine:
4cyl, 2 L, 141 HP
Model #: 
27210
VIN:
JN1BJ1CW9LW651465
Stock #:
651465
Internet Price:  
$19,900
This used 2020 Nissan Rogue Sport SV AWD Xtronic CVT is for sale today at our dealership in Elkhart, IN.This awd 2020 Nissan Rogue Sport SV AWD Xtronic CVT features a Gun Metallic Exterior with a Fabric Interior and has only 16,830 miles.TECHNOLOGY FEATURES: This Nissan Rogue Sport Includes:...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
35,068
Engine:
4cyl, 3.2 L, 271 HP
Model #: 
KLJE74
VIN:
1C4PJMLNXKD150560
Stock #:
150560
Internet Price:  
$19,900
This used 2019 Jeep Cherokee Latitude Plus 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2019 Jeep Cherokee Latitude Plus 4x4 features a Diamond Black Crystal Pearlcoat Exterior with a Fabric Interior and has only 35,068 miles.TECHNOLOGY FEATURES: This Jeep Cherokee Includes:...   Read More
Exterior: 
Blue
Interior: 
Navy Pier 
Mileage:
20,652
Engine:
3cyl, 1.5 L, 181 HP
Model #: 
R9C
VIN:
3FMCR9C68PRD61084
Stock #:
D61084
Internet Price:  
$24,900
This used 2023 Ford Bronco Sport Outer Banks is for sale today at our dealership in Elkhart, IN.This 4x4 2023 Ford Bronco Sport Outer Banks features a Alto Blue Metallic Tinted Clearcoat Exterior with a Fabric Interior and has only 20,652 miles.TECHNOLOGY FEATURES: This Ford Bronco Sport Includes:...   Read More
Exterior: 
Red
Interior: 
Jet Black 
Mileage:
29,555
Engine:
6cyl, 3.6 L, 305 HP
Model #: 
1GY69
VIN:
1G11Z5S30LU115248
Stock #:
115248
Internet Price:  
$22,900
This used 2020 Chevrolet Impala FWD LT is for sale today at our dealership in Elkhart, IN.This fwd 2020 Chevrolet Impala FWD LT features a Cajun Red Tintcoat Exterior with a Fabric Interior and has only 29,555 miles.TECHNOLOGY FEATURES: This Chevrolet Impala Includes: Remote Engine Start, WiFi...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
47,997
Engine:
8cyl, 5.3 L, 355 HP
Model #: 
TK10543
VIN:
3GTU9DED5LG299995
Stock #:
299995
Internet Price:  
$39,900
This used 2020 GMC Sierra 1500 4WD Crew Cab Short Box SLT is for sale today at our dealership in Elkhart, IN.This 4x4 2020 GMC Sierra 1500 4WD Crew Cab Short Box SLT features a Onyx Black Exterior with a Fabric Interior and has only 47,997 miles.TECHNOLOGY FEATURES: This GMC Sierra 1500 Includes:...   Read More
Exterior: 
Blue
Interior: 
Jet Black 
Mileage:
24,022
Engine:
4cyl, 1.5 L, 160 HP
Model #: 
1ZC69
VIN:
1G1ZB5ST9JF170905
Stock #:
170905
Internet Price:  
$15,900
This used 2018 Chevrolet Malibu 1LS is for sale today at our dealership in Elkhart, IN.This fwd 2018 Chevrolet Malibu 1LS features a Blue Velvet Metallic Exterior with a Fabric Interior and has only 24,022 miles.TECHNOLOGY FEATURES: This Chevrolet Malibu Includes: WiFi Mobile Hotspot, Wireless...   Read More
Exterior: 
Black
Interior: 
Black/Light Graystone 
Mileage:
18,730
Engine:
6cyl, 3.6 L, 283 HP
Model #: 
RTKH53
VIN:
2C4RDGBG9KR684652
Stock #:
684652
Internet Price:  
$19,900
This used 2019 Dodge Grand Caravan SE is for sale today at our dealership in Elkhart, IN.This fwd 2019 Dodge Grand Caravan SE features a Black Onyx Crystal Pearlcoat Exterior with a Fabric Interior and has only 18,730 miles.TECHNOLOGY FEATURES: This Dodge Grand Caravan Includes: All-in-one key,...   Read More
Exterior: 
Gray
Interior: 
Ebony 
Mileage:
41,672
Engine:
6cyl, 3.5 L, 365 HP
Model #: 
U2A
VIN:
1FMJU2AT3HEA08620
Stock #:
A08620
Internet Price:  
$22,900
This used 2017 Ford Expedition Limited is for sale today at our dealership in Elkhart, IN.This 4x4 2017 Ford Expedition Limited features a Magnetic Exterior with a Fabric Interior and has only 41,672 miles.TECHNOLOGY FEATURES: This Ford Expedition Includes: Navigation System, WiFi Mobile Hotspot,...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
25,898
Engine:
4cyl, 2.4 L, 173 HP
Model #: 
JCDH49
VIN:
3C4PDCABXLT254066
Stock #:
254066
Internet Price:  
$15,900
This used 2020 Dodge Journey SE Value is for sale today at our dealership in Elkhart, IN.This fwd 2020 Dodge Journey SE Value features a Pitch Black Clearcoat Exterior with a Fabric Interior and has only 25,898 miles.TECHNOLOGY FEATURES: This Dodge Journey Includes: Keyless Start, Primary display...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
96,372
Engine:
4cyl, 2.4 L, 184 HP
Model #: 
KLJL74
VIN:
1C4PJMAB2HW611630
Stock #:
611630
Internet Price:  
$12,900
This used 2017 Jeep Cherokee Sport 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2017 Jeep Cherokee Sport 4x4 features a Diamond Black Crystal Pearlcoat Exterior with a Fabric Interior and has only 96,372 miles.TECHNOLOGY FEATURES: This Jeep Cherokee Includes: Wireless streaming,...   Read More
Exterior: 
Black
Interior: 
Jet Black 
Mileage:
30,164
Engine:
6cyl, 3.6 L, 310 HP
Model #: 
6NH26
VIN:
1GYKNDRS1KZ260258
Stock #:
260258
Internet Price:  
$24,900
This used 2019 Cadillac XT5 Luxury is for sale today at our dealership in Elkhart, IN.This awd 2019 Cadillac XT5 Luxury features a Stellar Black Metallic Exterior with a Fabric Interior and has only 30,164 miles.TECHNOLOGY FEATURES: This Cadillac XT5 Includes: Remote Engine Start, WiFi Mobile...   Read More
Exterior: 
White
Mileage:
47,332
Engine:
4cyl, 2 L, 268 HP
Model #: 
81210
VIN:
3PCAJ5M30LF102178
Stock #:
102178
Internet Price:  
$24,900
This used 2020 INFINITI QX50 LUXE AWD is for sale today at our dealership in Elkhart, IN.This awd 2020 INFINITI QX50 LUXE AWD features a White Exterior with a Fabric Interior and has only 47,332 miles.TECHNOLOGY FEATURES: This INFINITI QX50 Includes: Remote Engine Start, Keyless Start, Wireless...   Read More
Exterior: 
White
Interior: 
Charcoal Black 
Mileage:
33,462
Engine:
4cyl, 1.5 L, 179 HP
Model #: 
U9H
VIN:
1FMCU9HD1KUB41440
Stock #:
B41440
Internet Price:  
$19,900
This used 2019 Ford Escape SEL is for sale today at our dealership in Elkhart, IN.This 4x4 2019 Ford Escape SEL features a White Platinum Metallic Tri-coat Exterior with a Fabric Interior and has only 33,462 miles.TECHNOLOGY FEATURES: This Ford Escape Includes: Remote Engine Start, WiFi Mobile...   Read More
Exterior: 
Black
Interior: 
Black 
Mileage:
46,259
Engine:
6cyl, 3.2 L, 271 HP
Model #: 
KLJE74
VIN:
1C4PJMLX6JD562734
Stock #:
562734
Internet Price:  
$17,900
This used 2018 Jeep Cherokee Latitude Plus 4x4 is for sale today at our dealership in Elkhart, IN.This 4x4 2018 Jeep Cherokee Latitude Plus 4x4 features a Diamond Black Crystal Pearlcoat Exterior with a Fabric Interior and has only 46,259 miles.TECHNOLOGY FEATURES: This Jeep Cherokee Includes:...   Read More
Exterior: 
Black
Interior: 
Black/Light Graystone 
Mileage:
43,973
Engine:
6cyl, 3.6 L, 283 HP
Model #: 
RTKH53
VIN:
2C4RDGBG5KR781153
Stock #:
781153
Internet Price:  
$18,900
This used 2019 Dodge Grand Caravan SE is for sale today at our dealership in Elkhart, IN.This fwd 2019 Dodge Grand Caravan SE features a Black Onyx Crystal Pearlcoat Exterior with a Fabric Interior and has only 43,973 miles.TECHNOLOGY FEATURES: This Dodge Grand Caravan Includes: All-in-one key,...   Read More
Exterior: 
Red
Interior: 
Black 
Mileage:
47,294
Engine:
4cyl, 2.4 L, 180 HP
Model #: 
KLJE74
VIN:
1C4PJMLB7LD617330
Stock #:
617330
Internet Price:  
$19,900
This used 2020 Jeep Cherokee Latitude Plus 4X4 is for sale today at our dealership in Elkhart, IN.This 4x4 2020 Jeep Cherokee Latitude Plus 4X4 features a Velvet Red Pearlcoat Exterior with a Fabric Interior and has only 47,294 miles.TECHNOLOGY FEATURES: This Jeep Cherokee Includes: Remote Engine...   Read More
Exterior: 
Silver
Interior: 
Black 
Mileage:
49,573
Engine:
4cyl, 2 L, 152 HP
Model #: 
JRA
VIN:
JF2GTAAC0JG262065
Stock #:
262065
Internet Price:  
$19,900
This used 2018 Subaru Crosstrek 2.0i is for sale today at our dealership in Elkhart, IN.This awd 2018 Subaru Crosstrek 2.0i features a Ice Silver Metallic Exterior with a Fabric Interior and has only 49,573 miles.TECHNOLOGY FEATURES: This Subaru Crosstrek Includes: Wireless streaming, Bluetooth...   Read More
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