Top 9 Buy Here Pay Here Dealers in Arizona AZ

Looking for a used car dealer in Arizona AZ but your credit is in bad shape?

Connect with top 9 buy here pay here Arizona AZ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Arizona'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 Arizona AZ

  • Drive Now., AZ


  • Lalo’s Auto Sales, AZ

  • Horne Dodge Chrysler Jeep Nissan, AZ

  • Arizona Car Sales – Downtown Mesa, AZ

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

  • In-Power Motors LLC, AZ

  • USA 1 Auto Sales, IN

  • EZ Pay Car And Truck Sales, AZ

  • Orozco Auto Sales, AZ

  • Why buy here pay here Arizona AZ 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 Arizona AZ 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 Arizona AZ 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 Arizona AZ Works

    When the bank says no to your car loan, the buy here pay here Arizona AZ 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 Arizona AZ 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 Arizona AZ 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 Arizona AZ Car lots Dealership

    The one thing is very true about buy here pay here Arizona AZ 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 Arizona AZ 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 Arizona AZ – Fast Approval Low or no credit score

    The buy here pay here Arizona AZ 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 Arizona AZ 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 Arizona AZ 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 Arizona AZ

    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 Arizona AZ

    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 Arizona AZ, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Arizona AZ 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 Arizona AZ 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.

    Arizona AZ buy here pay here Reviews

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

    1. buy here pay here Arizona dealer review by Lexxx M

      Lexxx M rated Drive Now.

      Abraham was super helpful. No pressure sales walked in looking for a car left in less than a hour with a brand new car.

    2. buy here pay here Arizona dealer review by Albert Avila

      Albert Avila rated Drive Now.

      Abraham is the man we came in and he hooked us up, drove out happy

    3. buy here pay here Arizona dealer review by John torabi

      John torabi rated MAGIC AUTO SALES & SERVICE

      I bought my used car at Magic Auto and had the best experience from the test drive, assistance with financing, no bull, clear fees and very fair pricing. I knew upfront what my costs would be with no surprises and was given a 3month warranty. I go back there time to time to get my car serviced at their mechanic shop. The staff is always friendly and helpful. The customer service is great and the mechanics are always honest and quick. I highly recommend them for anyone trying to buy a used car, or have mechanical issues. Not your typical dealership.

    4. buy here pay here Arizona dealer review by Guy Gines

      Guy Gines rated MAGIC AUTO SALES & SERVICE

      Tell them Guy Gines sent you! Go see Michelle, awsome professional service! I'm so happy with my purchase!

    5. buy here pay here Arizona dealer review by Brandy Moreno

      Brandy Moreno rated Lalo’s Auto Sales

      I bought a vehicle about two weeks was in excellent condition and anything that needed to be fixed was fixed as promised. I HIGHLY recommended these guys. Friendly and honest! I'm very pleased choosing them to buy a car from.

    6. buy here pay here Arizona dealer review by priscilla urrutia

      priscilla urrutia rated Lalo’s Auto Sales

      Amazing Experience beyond what was expected!!!! I wanted to make sure to leave a review for after my car buying process was all finalized so here is my experience. My husband and I originally came here settling for a jeep we seen online and walk away with his dream truck. When we first arrived at the lot we were not harrast or annoyed by any sales men like you do at other lots we got to look around just in case we changed our mind about the vehicle we wanted. We made our way to the office where Jorge introduced himself and right away let us know he seen us and wanted to give us the opportunity to look around first which we really appreciated. We were on a tight budget because we are already paying a car payment for my vehicle so my husband's had to be under $300 Jorge not only got his payment under what we wanted but also got us a 4% interest rate and gave us the opportunity to pay a portion of our down payment in reasonable payments I could not believe what I was hearing under $300 for a truck!!! I thought he was full of it!! Never have I ever had a smooth car buying process and I have previously owned two other vehicles. Jorge made sure to communicate about everything and if we had a question he would get back to us right away. I would definitely recommend Lalo's to anyone. Thank you Jorge&Ricardo you guys are awesome!!!

    7. buy here pay here Arizona dealer review by Annette Shayne

      Annette Shayne rated Horne Dodge Chrysler Jeep Nissan

      Its the only car Dealership we have and when you buy a New car here in Globe AZ they have them ready for you and the sales team don't try to push anything down your throat they are Happy to show you what you're looking for!!!

    8. buy here pay here Arizona dealer review by Joseph Hammer

      Joseph Hammer rated Horne Dodge Chrysler Jeep Nissan

      Excellent service. Very fast oil changes.

    9. buy here pay here Arizona dealer review by Jon Elliott

      Jon Elliott rated Arizona Car Sales – Downtown Mesa

      I had a great experience here. I went late after work because my car was on its last leg and giving me troubles. Roger did a fantastic job showing me cars, asking questions, and gauging my reaction to find a good fit for me. He was also just a genuinely good person and good to talk to when we were waiting on financing information. Paul was able to work with me and my payment range(and use a bit of magic, I'm sure) even though I had some negative credit history. It was easy to tell he wanted me to be happy with every bit of the process, educating me on anything I had questions about. Finally, Lindsey did a great job teaching me about the news bells and whistles of the car, bringing me into the 21st century. I strongly suggest looking here first. The individual awesomeness and excellent teamwork these three showed to get me into a car I liked, with payments that met my needs, and the knowledge not to break things amazed me. They even stayed late to help me get what I wanted, answering whatever random questions popped into my head as the evening wore on, being upfront about everything. I had tried other dealers prior and didn't receive any of the quality brought by this crew. Go here.

    10. buy here pay here Arizona dealer review by jason joseph

      jason joseph rated Arizona Car Sales – Downtown Mesa

      We had an amazing buying experience for my wife's 2012 Chevy Tahoe. Paul, Ivan, Chris and the GM were completely on our side for the entire process. Even with some past credit issues, Paul was able to get us financed at a local credit union at 4.9%... the best rate we have ever had. We are going back in a few months to get our daughters first car from them also. We will definitely recommend them for their professionalism, care, and most importantly, their knowledge. Thank you again. You just earned a family for life!

    11. buy here pay here Arizona dealer review by Luis Romero

      Luis Romero rated In-Power Motors LLC

      I’ve been to other car dealerships and this one hands down has been my best experience. Their rep, Gigi, really helped me and answered all my questions. She treated me like a valued customer and with the outmost respect. Definitely going to recommend family and friends as their first stop when it comes to shopping for cars.

    12. buy here pay here Arizona dealer review by Derris Woods

      Derris Woods rated In-Power Motors LLC

      Armando and crew were very easy and friendly they did everything easy and simple helping me get the exact vehicle I wanted!! Thank you guys again!!! 2301 w. Buckeye Phoenix

    13. buy here pay here Arizona dealer review by Brittney Grose

      Brittney Grose rated USA 1 Auto Sales

      Guys here are very nice. We have got two cars from them

    14. buy here pay here Arizona dealer review by Erika Miller

      Erika Miller rated USA 1 Auto Sales

      Great place with great service! Love my Edge!

    15. buy here pay here Arizona dealer review by Matthew Kent

      Matthew Kent rated EZ Pay Car And Truck Sales

      I recently purchased a car from here and all I can WOW on the customer service and the level of customer care. They were receptive to what I was looking for and offered a clear up front view of my purchase. Hard to find good people that back up what they offer, they exceeded my expectations! Good guys and would buy from again. A++++ service.

    16. buy here pay here Arizona dealer review by Phil Renovations

      Phil Renovations rated EZ Pay Car And Truck Sales

      The owner Joe and his side kick Lenny are great people . I bought an Audi A8 from these guys and I love it. The check engine light came on when I first bought it but they said they will take care of it no problem. Just need time since it's my daily driver. The will work with you when no one else will and give you a chance with bad credit. I can say my personal experience with this company has been top notch and I thank you for that .

    17. buy here pay here Arizona dealer review by ALISKA TABBYTITE

      ALISKA TABBYTITE rated Orozco Auto Sales

      They were very helpful with helping me get my new SUV..great place to buy a car or SUV..

    18. buy here pay here Arizona dealer review by Tony Robles

      Tony Robles rated Orozco Auto Sales

      Love these guys I bought my Tahoe from these very helpful nice respectful people. I encourage any of you out there looking for a used vehicle they are top notch. I had a problem with my transmission it was still under warranty they put a new one in in two days Awesome! I'd give them 100 stars if there was a ?!!

    BHPH Arizona AZ dealer

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