Top 4 Buy Here Pay Here Dealers in Billings MT

Looking for a used car dealer in Billings MT but your credit is in bad shape?

Connect with top 4 buy here pay here Billings MT car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Billings'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 Billings MT

  • Magic City Motors, MT

  • Scotties Auto Sales Sports, MT

  • Auto Magic, MT

  • Auto Acres, MT

  • Why buy here pay here Billings MT 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 Billings MT 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 Billings MT 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 Billings MT Works

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

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

    The buy here pay here Billings MT 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 Billings MT 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 Billings MT 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 Billings MT

    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 Billings MT

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

    While buy here pay here Billings MT 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 Billings MT 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.

    Billings MT buy here pay here Reviews

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

    1. buy here pay here Billings dealer review by Beverly S. Lamb

      Beverly S. Lamb rated Magic City Motors

      Reasonable prices. The owner and his employees have always been very helpful and courteous. They treat me like I dont have to be a millionaire or anything else & help me with whatever they can. That's Real Customer Service!

    2. buy here pay here Billings dealer review by Lucas Sullivan

      Lucas Sullivan rated Magic City Motors

      Excellent service, honest people, comfortable environment, negotiable and fair prices. You really can't get any better. This place is the best experience I've ever had surrounding automobiles, perhaps any purchase at all. Cannot recommend enough.

    3. buy here pay here Billings dealer review by Bj Deleo

      Bj Deleo rated Scotties Auto Sales Sports

      I have bought 3 vehicles from Scotties... Steve and Misty have treated me like family every time. Very easy to work with they make buying a new ride fun!!!

    4. buy here pay here Billings dealer review by James Franz II

      James Franz II rated Scotties Auto Sales Sports

      Great place to buy a car

    5. buy here pay here Billings dealer review by Zana Garcia

      Zana Garcia rated Auto Magic

      Just got a Dodge Ram from them and they had great services. Also helped us with the finical part to the best of their ability’s. The truck it self was In such good condition and at a great price.

    6. buy here pay here Billings dealer review by Jared Koenig

      Jared Koenig rated Auto Magic

      The folks at Auto Magic were very helpful and professional. As an out of town customer, they went above and beyond to make sure I knew everything about the vehicle before I made the trip to test drive it. They also helped me find financing with a reputable bank and were able to get me a good loan rate! I called them first thing Monday morning, drove to Billings, and drove home a great truck by the end of the day! They helped make the process quick and comfortable. I will definitely choose Auto Magic for my next vehicle!

    7. buy here pay here Billings dealer review by john dawson

      john dawson rated Auto Acres

      Easiest car deal ever. They also allowed plenty of drive time to be sure everything was to my satisfaction.

    8. buy here pay here Billings dealer review by Dons Carz

      Dons Carz rated Auto Acres

      Man who answered the phone was professional, helpful, knowledgeable, and answered all my questions. Would definitely recommend shopping here!! Very friendly!

    BHPH Billings MT dealer

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