Top 6 Buy Here Pay Here Dealers in Anchorage AK

Looking for a used car dealer in Anchorage AK but your credit is in bad shape?

Connect with top 6 buy here pay here Anchorage AK car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Anchorage's BHPH dealers is compiled after an extensive research based on customers’ reviews, rating, and location.

Favorable Outcomes:

  • Bad credit accepted
  • No or little down payment
  • Hassle-free process

Best Buy Here Pay Here Dealers in Anchorage AK

  • Affordable Used Cars Inc, AK

  • Floris Auto Sales, AK

  • New 2 U Auto, AK

  • Lyberger’s Car & Truck Sales, AK

  • Best Buy Auto Rental, AK

  • Have you ever considered buy here pay here Anchorage AK car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in Anchorage AK compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Anchorage buy here pay here dealerships and a typical local dealership is that with buy here pay here dealers, nearly everything goes through your local auto dealer directly. This means that the monthly bills are made to your local auto dealer, not through some bank or other outside lender, and that the actual financial contract for your car is between you and the dealer only, instead of a bank or other outside lender. Here we have listed best such dealers sorted by reviews rating and everything you need to know about. We have also created a complete profile of each dealer so you can get everything including of contact details at one place for your next car purchase.

    When a buyer needs to purchase a vehicle, they will need to approach the Anchorage dealer with financing needs. The financing will depend on many things, including the amount of the down payment, the credit score of the buyer, and the income of the buyer in Anchorage. Many people fail to take the time to do proper research when they are shopping for a vehicle. They either go with the first financing company that they see or end up getting sold a "bad credit borrower" vehicle.

  • Three Brothers Auto, AK

  • Why buy here pay here Anchorage AK car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here Anchorage AK car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH Anchorage AK dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here Anchorage AK Works

    When the bank says no to your car loan, the buy here pay here Anchorage AK car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here Anchorage AK dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here Anchorage AK car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here Anchorage AK Car lots Dealership

    The one thing is very true about buy here pay here Anchorage AK is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these Anchorage AK dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here Anchorage AK – Fast Approval Low or no credit score

    The buy here pay here Anchorage AK dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH Anchorage AK Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH Anchorage AK dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership Anchorage AK

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer Anchorage AK

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in Anchorage AK, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Anchorage AK accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH Anchorage AK is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    Anchorage AK buy here pay here Reviews

    Here is what users says about Anchorage BHPH dealers listed here. You can read reviews of individual dealer at their profile page.

    1. buy here pay here Anchorage dealer review by William Huff

      William Huff rated Affordable Used Cars Inc

      Great place to find a great vehicle at a great price! The staff is professional, honest, and friendly. I traded in a vehicle here (my salesman was Tom, a very friendly guy and he made the whole process very easy) and they offered top dollar for my trade in. I ended up driving off in a 2015 GMC Canyon that was just out of factory warranty. Within a couple days of owning the truck the electronic power steering cut out on me intermittently. I did some research and found that there was a recall on this year and model for my exact issue, but not for my trucks VIN (only a couple thousand were actually recalled). I've had similar experiences in the past and was told by a used car dealership to go trade my newly purchased vehicle in somewhere else, and got no help with my issues because it was sold "as is". I expected the same from any used car dealership, but that's not how Affordable Used cars does business! I reached out to Affordable about a question on my paperwork. I told them them in passing about my power steering issue, and to to my surprise they told me that they wanted to fix it! Again, this was an as is truck so I was very surprised to have them offer to fix the issue and make the truck right for me, even though they were not obligated to. They had me take it to their mechanic and had the power steering fixed on their dime. No issues since the fix, and they told me to let them know if it came back. If you are looking for a good used car and a no pressure dealership that will stand behind the quality of their vehicles, check this place out!

    2. buy here pay here Anchorage dealer review by J P

      J P rated Affordable Used Cars Inc

      Always a pain free stress free environment buying a car here . Shawn in finance got us driving home in our new Mercedes Benz in about an hour! That's a record for my 15th purchase ? Highly recommend if you are looking for a good deal and friendly service. Speaking of service that you for fixing the cracked windshield and fixing a couple other little hiccups in our new ride!

    3. buy here pay here Anchorage dealer review by Shane Chapple

      Shane Chapple rated Floris Auto Sales

      We had never been to Floris Auto Sales before, but after reading some reviews decided to give them a try. We went to two other dealerships first, and we really shouldn’t have, but it reminded us how much we HATE the whole car buying experience. When we got to Floris it was totally different from the moment was got out of the car. We weren’t “chased down” but instead greeted by our salesperson who we had talked to on the phone about 30 minutes earlier. He had the key to the 2017 Jeep Patriot Sport we wanted to test drive in his hand, and simply asked if we wanted to take it for a spin. He handed us the key and said, “take your time.” After about 15 minute test drive we got back. He asked if we liked it and what we thought, and politely invited us in saying, “well come on in and I’ll see what else I can do for you on the price.” We hadn’t even asked. He was very straightforward and without asking told us what they (the dealership had paid for the vehicle), how they acquired it, and what they’d sell it to us for. There was no need to go back and forth on the price, because of his honesty. I’ve sold cars before, and even though I’ve sold them I HATE buying them. This was the easiest car buying experience my wife and I’ve ever had. Before you go anywhere to buy a vehicle you need to stop here first. You won’t regret it. If you’ve already been somewhere to look make this the only and LAST place you need to go.

    4. buy here pay here Anchorage dealer review by Courtney Kearns

      Courtney Kearns rated Floris Auto Sales

      I was with a friend last fall 2018 when they purchased a Chevy Spark from Flori. They worked with him to have it checked out with my friends mechanic. They then helped secure a full size spare at their price as my friend was about to drive the car through Canada that next month. Their drive was great and the car is still doing fabulous. My own vehicle died in January 2019 after nearly thirteen years of use so I needed to go car shopping. I did my due diligence in spending time researching ect. The day came to go out to the dealerships (scour fb and cl) and I brought my mechanic along. In the end I went back to Flori and purchased the 2016 Chevy Trax. It's a reconstruct and all info (carfax) including pictures of the damage were offered to me. I appreciated not feeling pressured and the honesty I recieved from Flori. Flori included a good set of summer tires in addition to the winter set already on the vehicle (in good condition) and helped me secure a spare key at a discount. I could not be more grateful. As is from any place or anyone, it is always wise to do your due diligence in thoroughly checking out the vehicle you purchase with a mechanic. Since my new Trax is a reconstruct it does not come with a warranty however there were other vehicles on the lot that came with a two year warranty. I absolutely would recommend Floris Auto Sales to anyone.

    5. buy here pay here Anchorage dealer review by SoVi Life

      SoVi Life rated New 2 U Auto

      We had a great buying experience with Anthony and Jim! We are so happy with our van and with their customer service! They provided a great space for our kids to hang out in while we completed all of the paper work so that we were not overwhelmed. Thank you for your patience and for answering all of our questions! We will make sure to recommend New 2 U to anyone wanting a used vehicle!

    6. buy here pay here Anchorage dealer review by Makalani Williams

      Makalani Williams rated New 2 U Auto

      This was by far the best experience i have had purchasing a vehicle. The genuine attention of making sure my wife and i understood the process and what all would be involved. It was an easy decision to trade-in and purchase with these guys. Thanks again Jim and Anthony, my wife loved the idea and opportunity of purchasing additional warranty for our New 2 U Automobile.

    7. buy here pay here Anchorage dealer review by Rob Pabel

      Rob Pabel rated Lyberger’s Car & Truck Sales

      These guys were awesome. Steven was our salesperson (with a little help from Luke). They were not pushy, very transparent with the process, and super easy to deal with. The price of the vehicle was fair and upfront. They didn't try to add on a bunch of fees and services that we didn't need or want. We were in and out in about 2 hours (took that long because of my insurance company moving so slow.) I would recommend this dealership to anyone.

    8. buy here pay here Anchorage dealer review by Curtis Bringhurst

      Curtis Bringhurst rated Lyberger’s Car & Truck Sales

      WONDERFUL service. They make you feel like family. Some dealerships have complimentary Coke products...but Lyberger's offers complimentary ice cream. It isn't just your standard, cheap ice cream—it's the good stuff!

    9. buy here pay here Anchorage dealer review by Dakotah Krapfl

      Dakotah Krapfl rated Best Buy Auto Rental

      Great people, really good service and selection, next time I get another car it will be with them, afforable and honest folks

    10. buy here pay here Anchorage dealer review by Marcelo Leone

      Marcelo Leone rated Best Buy Auto Rental

      Straightforward place to rent vehicles. Azem treats you fairly and will take care of you when unforeseen issues come up. I will definitely come here the next time I need to rent.

    11. buy here pay here Anchorage dealer review by Douglas Morrison

      Douglas Morrison rated Three Brothers Auto

      Nick hooked me up big time great price!!! And they stand behind their cars!!!

    12. buy here pay here Anchorage dealer review by Nicolai andray

      Nicolai andray rated Three Brothers Auto

      Hey , I bought a car from these guys. Now days it's hard to find people who take pride in their work like they do. I had a minor issue with my car, took it over to have it looked at and fixed it for free within 10 minutes. I'm going to recommend everyone to these guys! Thanks.

    BHPH Anchorage AK dealer

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