Location Transport

What is the difference between rent to own or buy here pay here?

I too have been suffering from poor credit and have been without a car for over a year. I totalled my car last year in an accident and have been financially unable to replace it. For the most part using the local public transportation system has been fine except for some reason employers are requiring that you have your own vehicle. I have not been able to get a job since the accident (I was working temporary at the time). What is up with this must have a car requirement? Using the bus has worked fine until it is grocery time and that becomes a hassle and some doctors appointments are not located on the bus line and require me to use a taxi other than that public transport has been good to us. I have been searching the internet for deals but I have no money to put down. There are programs out there for people in my situation rather than use the rent-to-own places but I was wondering about that difference between those and the buy here pay here places.

Public Comments

1. Many employers think that they will eliminate the "my bus was late" excuse for being late for work, and that's the reason for the "your own transportation" rule. I don't think its remotely fair. Most work places that have that rule don't pay enough to buy OR maintain a car! Minus one for the little people. Buy Here Pay Here programs mainly do not require good credit, but you MUST have a steady job and usually some type of down payment, and the interest is usually higher. It sounds like you would still need someone to sign with you. :^( Rent-to-own for cars I've never dealt with, but if it's anything like the RTO furniture program... RUN!! GET AWAY!!! You will end up paying significantly above what the car is worth, and until you pay it off you will be restricted in it's use. Sorry I don't have any good news for you...