Top 13 Buy Here Pay Here Dealers in Ann Arbor MI

Looking for a used car dealer in Ann Arbor MI but your credit is in bad shape?

Connect with top 13 buy here pay here Ann Arbor MI car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Ann Arbor'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 Ann Arbor MI

  • Broadway Auto Care & Sales, MI

  • Cromax Automotive, MI

  • BMW of Ann Arbor, MI

  • Varsity Ford, MI

  • Dunning Toyota, MI

  • Have you ever considered buy here pay here Ann Arbor MI 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 Ann Arbor MI compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Ann Arbor 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 Ann Arbor 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 Ann Arbor. 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.

  • LaFontaine Buick GMC of Ann Arbor, MI

  • Fox Ann Arbor Acura, MI

  • Suburban Chrysler Dodge Jeep Ram of Ann Arbor, MI

  • Fox Ann Arbor Hyundai, MI

  • Cueter Chrysler Jeep Dodge RAM, MI

  • Did you know? These BHPH Ann Arbor MI dealers are also good sources for full coverage vehicles. They will cover every repair and maintenance detail on a vehicle when the buyer makes a purchase here. This is because the vehicle's title will not have to be immediately released after the buy here pay here transaction. This ensures that the buyer will be fully protected in case of a repossession.

    The used-car buying experience is extremely easy when it comes to buying from a buy here pay here Ann Arbor dealership. The financing will actually be handled directly by the lending institutions that finance many different kinds of auto loans. Therefore, the buyers will never even have to step foot into a dealership to get the job done. The financing will be offered to them at the comfort of their own residence. Buyers are never under any obligation whatsoever to purchase anything from this particular dealership. As long as they can afford the payments, they can choose to buy here pay here.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • Suburban Cadillac of Ann Arbor, MI

  • Dunning Subaru, MI

  • Auto Village, MI

  • Why buy here pay here Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI Works

    When the bank says no to your car loan, the buy here pay here Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI Car lots Dealership

    The one thing is very true about buy here pay here Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI – Fast Approval Low or no credit score

    The buy here pay here Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI 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 Ann Arbor MI

    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 Ann Arbor MI

    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 Ann Arbor MI, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Ann Arbor MI 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 Ann Arbor MI 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.

    Ann Arbor MI buy here pay here Reviews

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

    1. buy here pay here Ann Arbor dealer review by Mohammed Hasan

      Mohammed Hasan rated Broadway Auto Care & Sales

      Come in here to get my car repaired. Good and fast service. Defiantly recommend this place to whoever needs their car repaired

    2. buy here pay here Ann Arbor dealer review by Xiao Zhang

      Xiao Zhang rated Broadway Auto Care & Sales

      Great service and nice people here! Did the oil change and have them checked out power steering fluid, pretty good job and I have everything explained. Decent price as well!

    3. buy here pay here Ann Arbor dealer review by Michael masserant

      Michael masserant rated Cromax Automotive

      I've had a good relationship with service for automotive repair from this family-owned business ; these folks all here are genuinely pleasant, respectful, helpful- in suggesting affordable low cost options, so this means they are also flexible. To say that they are concerned about your best interests, rather than capitalizing on any customer vulnerability- truely shows they can about their fellow man. Also they are astute / very skilled in domestic as well as import Auto repair, maintenance, and performance work- but don't inflate their rates doing so. I haven't felt this close to persons in a auto service shop ever, and value them as an asset in our community as well.

    4. buy here pay here Ann Arbor dealer review by Frank Simmons

      Frank Simmons rated Cromax Automotive

      Good people. Down to earth. Fair.

    5. buy here pay here Ann Arbor dealer review by Farra Mathews

      Farra Mathews rated BMW of Ann Arbor

      Beau made the process of trading up and purchasing a new car as easy as possible. Even after encountering a few snags, he and the sales staff made every effort to make the transaction pleasant. I couldn't be happier with my new car. Beau chose the perfect car for me and my finances.

    6. buy here pay here Ann Arbor dealer review by dinesh kvb

      dinesh kvb rated BMW of Ann Arbor

      Quick and great service! Dustin Harrison took care of everything, highly recommend !

    7. buy here pay here Ann Arbor dealer review by Peter Poma

      Peter Poma rated Varsity Ford

      I contacted Amanda Roach for info regarding a 2020 F150. After giving her details about what I would like in a truck, Amanda sent me information that interested me. She is customer oriented, courteous and professional and was able to find a truck that was perfect. Her attention to detail is unmatched. It was then, we decided Amanda Roach and Varsity Ford would be our choice to purchase from. Also, important to us, was to feel that we could reach a trade-in amount that we would be happy with. In my opinion, the offer was more than fair and we accepted (thank you, Keith). We did purchase a beautiful 2020 F150, very nicely equipped and we are very happy customers. Varsity Ford has a massive inventory and the choices are abundant. It is a busy dealership and I feel that is representative of how they treat their customers delivering excellent products and excellent customer service! Amanda Roach and the Varsity Ford Team treated us like Family from the moment we walked through the door. They will have all our future vehicle buying and service business. Thank You so much! Pete and Kathy Poma

    8. buy here pay here Ann Arbor dealer review by Mark Mercieca

      Mark Mercieca rated Varsity Ford

      I waited too long to say what excellent service I receive from Kathy Harper. I've bought many Ford's from Kathy and every the purchase has been flawless. She has everything ready for me when I get to the dealership. I referred my brother to her and he thanked me. I just bought a 2020 F-150 Supercrew Lariat and I love it. If I had the truck built it would be the one I bought. Kathy found my dream truck for me. Thank You Kathy Harper.

    9. buy here pay here Ann Arbor dealer review by Cheryl Thomas

      Cheryl Thomas rated Dunning Toyota

      We just bought a Rav4 through Tony Kahil and it was a great experience. He was very knowledgeable but not the least bit pushy. We bought the car we wanted and got the financing we desired. I will definitely make this the only place I will buy a car/truck! Thank you Tony for all the extra you had to go through to get us this car!

    10. buy here pay here Ann Arbor dealer review by Tori Holmes

      Tori Holmes rated Dunning Toyota

      We loved working with Jeff Root for our trade-in and used car purchase. He was incredibly friendly and really advocated for us to get the best deal possible on our trade AND purchase. I'm very weary of salespeople in general but he made the whole experience enjoyable, stress-free and no BS. Same with Tom Mallon who bent over backwards to set us up with the best financing rates and extended warranty package. Jeff even brought out a big red bow to put on the hood of our new car so I could take a cute photo (the photo of me, Jeff, our Audi and the big red bow is posted in the photos). Would absolutely recommend this place to anyone in the market for new or used vehicles!

    11. buy here pay here Ann Arbor dealer review by Kristen Yoder

      Kristen Yoder rated LaFontaine Buick GMC of Ann Arbor

      Colin was amazing! He not only gave me an excellent price, he was extremely efficient, was quick to respond to messages, and stayed true to his word. If you’re looking for a great vehicle, at a great price, give him a call!

    12. buy here pay here Ann Arbor dealer review by Mark Michels

      Mark Michels rated LaFontaine Buick GMC of Ann Arbor

      The delivery and simultaneous lease turn in was a non event. The total transactions went smoothly and efficiently; the experience was like I was family.

    13. buy here pay here Ann Arbor dealer review by Jesse Howell

      Jesse Howell rated Fox Ann Arbor Acura

      After finding a vehicle we liked online, a 2011 Lexus IS 250, we went in to the dealership without making an appointment. Michael Onwuegbuna greeted us when we arrived, and arranged a test drive for us there on the spot. Even though it was right before the time they were supposed to close, they were accommodating and never mentioned the fact that they are scheduled to be closed shortly. There was a slight hiccup in the process, as after we started the car, it shut off, and turned out it was out of gas. Not a problem though, Michael apologized and then this was quickly remedied and we were off on the test drive. We were pleased with the car and negotiated a fair sale immediately afterwards, which was straight forward, and we were pleased with the acceptable price and overall experience. The next day we signed the financing paperwork and drove the car off the lot. Michael, and the financing person, and the dealership manager were all pleasant, professional and polite. I would recommend Michael and the rest of the team there at Fox Ann Arbor Acura for your car buying experience.

    14. buy here pay here Ann Arbor dealer review by Chris Pulver

      Chris Pulver rated Fox Ann Arbor Acura

      Always professional and friendly service. We are on car #3 with Acura and love the experience that comes with a great vehicle and excellent service.

    15. buy here pay here Ann Arbor dealer review by Susan Mitchell

      Susan Mitchell rated Suburban Chrysler Dodge Jeep Ram of Ann Arbor

      Great experience each time I bring my vehicle in for maintenance. Travis has assisted me the last few times I have visited and he is always professional and courteous going out of his way to bring value. Great area to wait in with coffee and water available.

    16. buy here pay here Ann Arbor dealer review by Jack Carlson

      Jack Carlson rated Fox Ann Arbor Hyundai

      Simply put... this is the best dealership I've ever encountered in 40 years of car buying. It is quite rare nowadays for employees of a car dealership to consistently exhibit an abundance of morality, kindness, patience, and "expert-level" knowledge of their product. Ryan and Alex are those people. I am so grateful to have found them and highly recommend these incredible and trustworthy people. I am a Fox Ann Arbor Hyundai customer for life because of them. BTW... the Santa Fe is awesome, too!

    17. buy here pay here Ann Arbor dealer review by Olivia McKinney

      Olivia McKinney rated Fox Ann Arbor Hyundai

      This service department is great. I’ve been working with Eric Rahrig the last few years & he really is exactly what you want in a service representative, including professional, upbeat, & incredibly helpful. He’s taken exceptional care of me, & worked with Hyundai on my behalf several times so that they’ve taken great care of me. I feel completely comfortable when I have to take my car in for service, & that itself speaks volumes. I recently had to pick my car up when Eric was out of the office, & I had a wonderful experience working with Matt as well. They make up the best service team that I’ve had the pleasure of working with.

    18. buy here pay here Ann Arbor dealer review by Theresa Schwartz

      Theresa Schwartz rated Cueter Chrysler Jeep Dodge RAM

      I purchased a 2016 Jeep Patriot on Christmas Eve, made the commercial true. Not only were Jerry, Randy and the finance lady extraordinary, they listened to me and gave me the perfect vehicle within my budget and my personality. I've owned Honda sedans and was really hesitant, Randy helped me step out of my comfort zone into a Jeep I absolutely love. I would recommend this dealer and will return for future purchases. The sales department is hands down the best I've ever dealt with!

    19. buy here pay here Ann Arbor dealer review by Matt Furtney

      Matt Furtney rated Cueter Chrysler Jeep Dodge RAM

      Could not be happier with my experience at Cueter! While the dealership is very nice, it was my sales rep that made our experience great. Ben Heusel is now the sales rep that I will be referring to my friends and family. He went way above and beyond to make our purchase exactly what we wanted for the price we needed.

    20. buy here pay here Ann Arbor dealer review by Sheila Crowe

      Sheila Crowe rated Suburban Cadillac of Ann Arbor

      Worked with Andre Demin and found him to be exceptionally thorough and polite. The car came to us with a full tank of gas, new tires, and clean thorought. A big upgrade from previous used car transactions.

    21. buy here pay here Ann Arbor dealer review by Mary Goodman

      Mary Goodman rated Suburban Cadillac of Ann Arbor

      Favorable service is POLITE

    22. buy here pay here Ann Arbor dealer review by alena presley

      alena presley rated Dunning Subaru

      This was my first time purchasing a new car from a dealer and it was by far the best experience I could hope for. I worked with Darren and Blaine for the most part, but every person in the building gave me an expectation mal experience. There was none of that pressure and sleaziness that one associates with car dealerships. They were extremely friendly and helpful. I would recommend this dealership to anyone looking to buy a new car. Thanks a bunch guys!

    23. buy here pay here Ann Arbor dealer review by Kathleen Heger

      Kathleen Heger rated Dunning Subaru

      The staff at Dunning Subaru are outstanding. From the get-go, Sales woman Amy was helpful in every way possible; she LISTENED to us, worked with us to select a vehicle, retrieved the cars so we could drive them, faithfully answered all of our questions, and assisted us through the paperwork process. The Dunning Subaru team made us feel like we were the most important people there. They also have an amazing coffee bar. If you're in the market for a Subaru, CHOOSE DUNNING. Excellent Service. Excellent Customer care. They listen more and talk less.

    24. buy here pay here Ann Arbor dealer review by Edward Perdomo

      Edward Perdomo rated Auto Village

      Great service, informative, and patient. These guys are selling used vehicles and if you’re not buying new it’s especially important you do your own research. You have to know what you’re buying if you want to know what to expect. I bought a good priced truck from them and I am happy.

    25. buy here pay here Ann Arbor dealer review by Juan Rotten

      Juan Rotten rated Auto Village

      The staff at auto village were polite and very honest with me . I had an issue and they went above and beyond to make things right . give them a chance to get you on the road!

    BHPH Ann Arbor MI dealer

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