Top 13 Buy Here Pay Here Dealers in Arkansas AR

Looking for a used car dealer in Arkansas AR but your credit is in bad shape?

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

  • Car-Mart of Russellville, AR

  • Car City, AR

  • Countryside Motors Inc, AR

  • Car-Mart of Searcy, AR

  • Car-Mart of Jonesboro, AR

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

  • R & T Auto Wholesale Inc, AR

  • Car-Mart of North Little Rock, AR

  • Brockinton Auto Sales, AR

  • Byrider Sherwood, AR

  • Lloyd’s Auto Sales, AR

  • Did you know? These BHPH Arkansas AR 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 Arkansas 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.

  • Malco Motors, AR

  • University Auto Sales of LR, AR

  • Best Used Cars, AR

  • Why buy here pay here Arkansas AR 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 Arkansas AR 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 Arkansas AR 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 Arkansas AR Works

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

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

    The buy here pay here Arkansas AR 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 Arkansas AR 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 Arkansas AR 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 Arkansas AR

    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 Arkansas AR

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

    While buy here pay here Arkansas AR 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 Arkansas AR 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.

    Arkansas AR buy here pay here Reviews

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

    1. buy here pay here Arkansas dealer review by Tailor Elliott

      Tailor Elliott rated Car-Mart of Russellville

      I highly recommend Preston! He’s an amazing person and sales man. He made sure we were comfortable and knew all of our options! I will be coming back for our next car. I was depressed and exhausted when I got there but was smiling ear to ear when I left.

    2. buy here pay here Arkansas dealer review by Mrs. Bossy

      Mrs. Bossy rated Car-Mart of Russellville

      Love this place...very friendly staff

    3. buy here pay here Arkansas dealer review by Joshua Johnson

      Joshua Johnson rated Car City

      Our salesman was Jason May very knowledgeable about what vehicles he had in inventory very respectful gave you his full attention till we were satisfied even with all our questions. I would recommend Jason to anyone he's the guy you wanna see if your like us you want something that's good and will last as the old saying goes would you put your grandmother in it Jason will tell you straight up 5 ? ? ? ? ?

    4. buy here pay here Arkansas dealer review by Calvert Mcgee

      Calvert Mcgee rated Car City

      My wife and i has had some really great experiences at car city of searcy also of beebe thank you Jason may for making us feel welcome as a family member

    5. buy here pay here Arkansas dealer review by Robert Payne

      Robert Payne rated Countryside Motors Inc

      I have bought and sold many cars and trucks in my lifetime and by and far my experience with Countryside motors has been one of the best and easiest transactions that I have ever made. Jason was honest, professional, attentive, and very knowledgeable. I flew from Nashville Tennessee to Little Rock to purchase the vehicle site unseen. The truck was exactly as described and depicted on their web site. Jason picked me up at the airport and had the paperwork ready to go. It was a seamless and easy transaction. It was well worth the trip from Nashville because I saved a ton of money compared to what the same vehicle cost in Nashville. The next time I’m in the market for a vehicle I’m going to call Countryside Motors. I very rarely recommend anyone but I feel strongly enough about my great experience with Jason and Countryside that I want everyone to know that they are great, professional, honest folks, that are eager to help. Thank you Jason. I love my new truck. Robert Payne Nashville, TN

    6. buy here pay here Arkansas dealer review by Eddie Myers

      Eddie Myers rated Countryside Motors Inc

      I have never in my life had such a easy, honest and pleasant experience in purchasing a vehicle. Jason Broach is a honest automobile dealer. I will do business with Countryside Motors Inc again for sure. Selected my SUV, signed paperwork, paid and was out on the road with my new rig in 5 minutes. Jason also made for sure every little thing on my new purchase was correct and working in tip top condition. I am going to use them for keeping my purchase in tip top shape as well. God bless you!

    7. buy here pay here Arkansas dealer review by Gary Speakman

      Gary Speakman rated Car-Mart of Searcy

      Amy is a wonderful woman. She is understanding and patient with me, being as I am now employed over the road and out if state. I really appreciate all she has done for me. Thanks Amy! I am glad to keep business healthy and strong!

    8. buy here pay here Arkansas dealer review by Bruce Wayne

      Bruce Wayne rated Car-Mart of Searcy

      Sales guy here is very nice I do not recall his name but he had a beard he was just super friendly and really nice

    9. buy here pay here Arkansas dealer review by Raven Mason

      Raven Mason rated Car-Mart of Jonesboro

      Keith was amazing!! I was desperate and he got me exactly what I needed with no hesitation! Incredibly kind, and helpful it was the best car buying experience I’ve ever had! If you need a vehicle, come see Keith he will not disappoint!

    10. buy here pay here Arkansas dealer review by Mallory Torres

      Mallory Torres rated Car-Mart of Jonesboro

      I always have a great experience with Car-mart. Bill and Todd are always friendly. They always do everything they can to help me get in the vehicle I want. They always have a smile on their face. I haven't been to another place that are as friendly and helping as they are. The employees are always nice. I would recommend anyone that is looking for a vehicle to go to Car-mart and see Bill! He will definitely help you get in the vehicle you want!!

    11. buy here pay here Arkansas dealer review by Scott Bates

      Scott Bates rated R & T Auto Wholesale Inc

      My wife and I had a great experience working with Trent and the his team at R and T Wholesale. We found a great car at a fair price and Trent made sure the car was road ready and in great condition. Our negotiations were straightforward and Trent provided a car history report so we could see the car's history. In addition, Trent even helped with some advice for getting a temporary tag so we could drive this car north out of state to tag it and title it. They earned our trust and our business. Thanks!

    12. buy here pay here Arkansas dealer review by jim cluckey

      jim cluckey rated R & T Auto Wholesale Inc

      Trent is easy to deal with, up front with no gimmicks. No pressure, friendly service. Get your financing figured out because cash talks.

    13. buy here pay here Arkansas dealer review by Amber Kaser

      Amber Kaser rated Car-Mart of North Little Rock

      Had a wonderful experience shopping here for a car. My boyfriend and I came in and were greeted right away, they helped us find a budget friendly option and got us into a amazing car that day! Monique was an absolute GEM! Loved working with her and everyone we worked with there. The entire staff is very friendly and I would recommend this Carmart to anyone! Thanks again for the great experience.

    14. buy here pay here Arkansas dealer review by Stephanie Blackmore

      Stephanie Blackmore rated Car-Mart of North Little Rock

      A big shout-out to Conner & Masha Victor and Brittany for helping me with my car

    15. buy here pay here Arkansas dealer review by Ricky Mize

      Ricky Mize rated Brockinton Auto Sales

      Great place to buy a vehicle.

    16. buy here pay here Arkansas dealer review by Joshua Wilson

      Joshua Wilson rated Brockinton Auto Sales

      Great folks to do business with. Easy to work with.

    17. buy here pay here Arkansas dealer review by Iesha McDonnell

      Iesha McDonnell rated Byrider Sherwood

      I’ve been a customer with Byrider for two years and I’ve had great experiences. Brooke has sold me my second car. Anthony, Mary and Loreta have been such a great help. The facility is managed well and the people are super friendly. My car note comes right out of my account with no issues and on time! Thank you Byrider!

    18. buy here pay here Arkansas dealer review by TASHA LYNETTE

      TASHA LYNETTE rated Byrider Sherwood

      I am absolutely ecstatic!!! I was rear-ended by a school bus just before Thanksgiving, and my car was totaled. I was in need of a dependable car quick and fast, so my daughter and I could carry on with our daily routine. Keith and LaTesia of J.D. Byrider on Landers Rd. were amazing, and got me approved fast and in a car I'm happy with in 24 hrs, & with an affordable note! I am so thankful ?for all their help and would recommend them to anyone!!!

    19. buy here pay here Arkansas dealer review by Nic Mans

      Nic Mans rated Lloyd’s Auto Sales

      Wild Bill was so helpful when it came to me getting my car he listen to my needs of an SUV and was okay taking the time to show me cars I went to 27 other car places across Arkansas an hands down this guy was the best for helping making sure I understood all before I left and getting me set up! If your looking for a car go check them out they are amazing friendly and helpful

    20. buy here pay here Arkansas dealer review by Nurve Damage

      Nurve Damage rated Lloyd’s Auto Sales

      Look if you don't have any credit this is the place to go.. good selection of vehicles and that will work with you to get you rolling.

    21. buy here pay here Arkansas dealer review by Helen Daniels

      Helen Daniels rated Malco Motors

      I've purchased 3 cars through them and working on 4th. They are good people who will work with you to make you a returning customer. Communication is the key. ?

    22. buy here pay here Arkansas dealer review by Gregory Dennis

      Gregory Dennis rated Malco Motors

      The best staff in the world

    23. buy here pay here Arkansas dealer review by BIgManVlogs

      BIgManVlogs rated University Auto Sales of LR

      This is the best place tou can go to get a great car. The salesman make you feel like your apart of their family. I'm glad there's still good people in this world

    24. buy here pay here Arkansas dealer review by Brittany Nichols

      Brittany Nichols rated University Auto Sales of LR

      I cannot express what a great car-buying experience this was. Ali had high quality cars on the lot and freely gave his advice on buying used (which I appreciated and took to heart!). Lue took care of me in the office and very clearly talked numbers. They worked with me on my trade in, which I was VERY upside-down on from my last car buying experience... I drove into the lot in a Kia, and drove off the lot in a Prius... These guys took great care of me.

    25. buy here pay here Arkansas dealer review by Nick West

      Nick West rated Best Used Cars

      Had a great experience here. They helped me get my first car at a price i could afford and i love it. Really great people, super friendly.

    26. buy here pay here Arkansas dealer review by Branden Whiting

      Branden Whiting rated Best Used Cars

      Great place, Very nice staff. Helpful!

    BHPH Arkansas AR dealer

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