Top 17 Buy Here Pay Here Dealers in Boise ID

Looking for a used car dealer in Boise ID but your credit is in bad shape?

Connect with top 17 buy here pay here Boise ID car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Boise'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 Boise ID

  • Ace Auto Sales, ID

  • Maverick Car Company, ID

  • Instant Equity Auto, ID

  • Big Sid’s Auto Sales, ID

  • Hawkes Motors, ID

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

  • Fairly Reliable Bob’s Used Car, ID

  • Boise Auto Clearance, ID

  • Combs Car Corral, ID

  • Dale’s Auto Sales, ID

  • Brad’s Bargain Barn, ID

  • Did you know? These BHPH Boise ID 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 Boise 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.

  • Ozzy’s Car Company, ID

  • Hot Wheels N’ Deals, ID

  • Boise Auto Sales LLC, ID

  • Wholesale Auto Dealers Inc., ID

  • Gem State Auto, ID

  • The phrase buy here pay here Boise ID car lots might have been coined recently to draw in buyers who don't have a lot of extra money to spend on their cars. Boise Buy here pay here car lots are those that do not require you to leave your home before you can buy your new car. These lots accept your payment in advance and usually give you a lot of time to shop around for the best deal. The reason these lots are so attractive is because you do not have to worry about financing your vehicle while at the same time still giving the dealer an opportunity to earn their fee. In order to make sure you are getting the right car, you want to be sure you are getting the best price possible.

  • Sunset Motors, ID

  • Vista Auto Sales, ID

  • Why buy here pay here Boise ID 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 Boise ID 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 Boise ID 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 Boise ID Works

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

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

    The buy here pay here Boise ID 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 Boise ID 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 Boise ID 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 Boise ID

    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 Boise ID

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

    While buy here pay here Boise ID 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 Boise ID 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.

    Boise ID buy here pay here Reviews

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

    1. buy here pay here Boise dealer review by Kassie Shearer

      Kassie Shearer rated Ace Auto Sales

      Wonderful little Lot. Always willing to work with us as long as we kept communication. Bought 2 cars off Kari and will definitely refer her to others! Thank you for everything Kari!

    2. buy here pay here Boise dealer review by Jeremy Breland

      Jeremy Breland rated Ace Auto Sales

      Keri at Ace Auto Sales is an awesome person to work with, she was willing to work with us during a hard time in our lives, we have bought two fantastic vehicles from her over the years and we will return to her when it’s time to buy another.

    3. buy here pay here Boise dealer review by Estacia Bullington

      Estacia Bullington rated Maverick Car Company

      This dealership is the Best! What a great team all around. Our best experience with any Idaho dealer by far. With these guys there is no B.S. just straight forward hard working employees! They go above and beyond to help you out and more. I wish I could give 10 Stars! Crystal and Jeremy are amazing! Keep up the hard work guys!

    4. buy here pay here Boise dealer review by Matt Capell

      Matt Capell rated Maverick Car Company

      What can I say.....great people, great owner, great service. I have them do work on my cars several times, and have a great experience each time. I'm very happy with Maverick, and you should consider using them or buying a car from them. Like I said wonderful local business, doing the right things in the community!

    5. buy here pay here Boise dealer review by Shellie H

      Shellie H rated Instant Equity Auto

      These guys are the best when it comes to going above and beyond to take care of customers and balancing budgets and vehicle needs. They are highly intuitive about what best fits their customers and have integrity above most dealerships to actually do right by customers not just make a quick buck. I am an out of state customer but these guys totally took care of my little family and we are truly thankful for them. These guys clearly are a cut above any other car dealerships out there. A bunch of great guys with good values and care. Definitely trustworthy and caring.

    6. buy here pay here Boise dealer review by Gary Pickens

      Gary Pickens rated Instant Equity Auto

      The most fantastic car buying experience ever!!! Most car dealers have a mission to wear you down, keeping you on their lots for hours and trained to pressure you into buying a vehicle. I used to sell cars locally at one of the largest dealerships and the daily training on how to brow beat customers, taking control of the sale, not allowing customers to give a NO answer is horrible. NOT with Instant Equity Auto in Meridian. I took my son out yesterday to buy his first truck crossing the valley a couple times completely avoiding the big companies and when we pulled into Instant Equity Auto we met the owners son, a very polite young man who will someday continue making his father proud by carrying on the best car buying experience I have experienced in the Treasure Valley. A very relaxed atmosphere where their main goal is making you the customer happy. They even took time to drive down to their other store in Boise and return with the F-150 we were just interested in seeing, going far and beyond expectations, they could have easily told us to drive to the other location and look, but no they went and brought it back for my son to drive. Pricing was more than fair. Like I mentioned, I used to sell cars and know how to value a vehicle and they bent over backwards to give us a more than fair price and quick easy financing. Now get this.... from the time we drove onto the lot and left with the F-150 was less than 1 1/2 hours and this included a test drive without a salesman hovering and constantly pointing out features in the truck. You want a home town experience in buying a vehicle? Well then I highly recommend you make Instant Equity in Meridian your first stop! Thank you Dean for your professionalism, honesty and knowledge. Much appreciated!!!

    7. buy here pay here Boise dealer review by Elizabeth Hiller

      Elizabeth Hiller rated Big Sid’s Auto Sales

      We purchased our first vehicle from Big Sid’s a little over two years ago and came back for a second vehicle this year. We’ve experienced excellent customer service, they even delivered our new van to eastern Oregon, as we recently had twins and were unable to travel. They really treat you like family and gave us a great deal on our trade in!

    8. buy here pay here Boise dealer review by Erin Adolfson

      Erin Adolfson rated Big Sid’s Auto Sales

      I highly recommend these folks to anyone looking for a vehicle. They are all personable, friendly and a hoot to be around! I didn't have much to bring to the table, but Dusty still went out of his way to make sure I got a fantastic deal and exactly the vehicle I searching for. They are honest and full of integrity and you can tell they take pride in what they do. I would prefer to buy all of my vehicles from Big Sids from here on out!

    9. buy here pay here Boise dealer review by Jacob Tadje

      Jacob Tadje rated Hawkes Motors

      Hawkes Motors is awesome! My family and I have been long time customers here and always know who to go to when we are looking for a new car. I recently was in the market to get a new car to take to school and the guys at Hawkes Motors were very friendly and helpful to find the car that was the perfect match for me. These guys really care about their customers. I would 100% recommend Hawkes Motors to anybody looking for their next car.

    10. buy here pay here Boise dealer review by Tina Bennett.smith

      Tina Bennett.smith rated Hawkes Motors

      Hawkes Motors or Image Auto gets big points from me. Ryan and Matt are great at what they do. I felt very comfortable and was very pleased with my purchase of my Chevy Cruze. They answered all my questions. I did a lot of research on auto dealers in the area and they are by far the best. Thank you guys for helping me make the best decision. I love my new car and I will be back and let others know of my great experience.

    11. buy here pay here Boise dealer review by Corina North

      Corina North rated Fairly Reliable Bob’s Used Car

      Where do I begin; Johnny is one of the best, most personable people I have ever worked with. He takes pleasure in finding the RIGHT vehicle for you. I am not one that normally gets excited about the car buying process; but with Johnny and the team there, I felt welcome and comfortable. Johnny was sincere in his desire to find me the right car for my needs and within my budget. 5 stars and will be sending family and friends your way. Thank you from my heart! PS. I had my 6yr son there; they adored him, were patient with him and included him. What a rare treat to find a place too that is so kind to little ones!

    12. buy here pay here Boise dealer review by Justin Kobbe Solace

      Justin Kobbe Solace rated Fairly Reliable Bob’s Used Car

      Hands down I've never had a better experience getting a car. Even my extremely skeptical wife was totally thrilled with the experience. I let Johnny Russell know what I was looking for and he found the perfect fit. The process was easy and enjoyable. Never going anywhere else!

    13. buy here pay here Boise dealer review by Karlie Gladfelder

      Karlie Gladfelder rated Boise Auto Clearance

      The guys at Boise auto clearance are pros... Shane is phenomenal. They treat you like family and do exactly what needs to be done to get you the lowest rate possible. They are understanding and not pushy. I bought a jeep wrangler and I thought that was really out of reach for me but they made it possible.. would highly recommend to family and friends. And lower prices than other lots. Dream come true! Thanks guys! :)

    14. buy here pay here Boise dealer review by Mike Bryant

      Mike Bryant rated Boise Auto Clearance

      Great experience all the way around with the entire staff. Hats off to Joe Johnson for his sincere, honest, and kind hearted service. Found the perfect vehicle for my growing family at the best price in town.

    15. buy here pay here Boise dealer review by Mike Davis

      Mike Davis rated Combs Car Corral

      We bought a Chevy a few months back and wanted to wait to see how much we love it before we wrote a review. We have never had a vehicle this nice and reliable! Your customer service is superb! Shout out to Liz she always is so helpful and friendly!

    16. buy here pay here Boise dealer review by Veronica Lopez

      Veronica Lopez rated Combs Car Corral

      Amador is an amazing auto tech. Auto techs don’t get the recognition they deserve! It’s because of them that we have that peace of mind when we drive off the lot in our “new to us” car. Kudos to ALL the auto techs at Combs Car Corral!!!!

    17. buy here pay here Boise dealer review by Candie Branham

      Candie Branham rated Dale’s Auto Sales

      I bought my Dodge Grand caravan through Dale's Auto and they went through a big ordeal to help me buy it. After having it for a couple of weeks the transmission went out on me during rush hour. I got a hold of Gary at Dale's Auto and I had it towed there. Dale found a used transmission and put it in for me. He was so nice and even split the costs of getting the transmission and the labor to have it done. They could have said it's not their problem and that it would have all been on me, because I didn't have a warranty, but they got it fixed and agreed to pay half for me. If anyone is looking for an honest dealership to buy a vehicle I would beyond highly recommend buying at Dale's. You get a great vehicle and fantastic service from extremely great people.

    18. buy here pay here Boise dealer review by Candie B.

      Candie B. rated Dale’s Auto Sales

      I have been trying for so long to get financed for a vehicle. Unfortunately I'm disabled and on very limited income and even though I'm cleaning up my credit, it's still not the greatest. I called Dale's auto and the salesman Gary worked really hard for me. He got me into a 2002 dodge grand caravan and helped me get the right financing to get the lowest payments possible to fit my budget. I highly recommend Dale's Auto Sales. The best company in the area.

    19. buy here pay here Boise dealer review by stephanie leal

      stephanie leal rated Brad’s Bargain Barn

      I love brads bargain barn, their always so friendly, and helpful. They also have really good car deals and they have a variety if cars to choose from. My dad has bought two cars from brands bargain barn and they’ve turn out great my dad hasn’t had any problems with the cars he bought from brad at all. I highly recommend going to check out brands bargain barn it’s a great car place with great service and great help.

    20. buy here pay here Boise dealer review by Carmen Brimley

      Carmen Brimley rated Brad’s Bargain Barn

      I definitely recommend! My and my family and friends have bought cars from Brad for over 8 years. Always fair and honest and terrific deals!

    21. buy here pay here Boise dealer review by Colleene Iuliano

      Colleene Iuliano rated Ozzy’s Car Company

      Devin was awesome! I was super surprised that I was able to get a car even though I already am a co signer on another car loan, they bend over backwards to get you approved for a car loan. All the employees at Ozzy's are very friendly. When my sugar level was dropping really low they were so kind as to give me a banana and cookies to bring my sugar level up. I highly recommend buying a automobile from this car company. They are fantastic and they are not pushy at all not to mention they really care and they make sure you get a quality vehicle !!!! :)

    22. buy here pay here Boise dealer review by Jack L

      Jack L rated Ozzy’s Car Company

      Had an outstanding experience purchasing a used vehicle at Ozzy's yesterday. I am one that dreads going to car lots to look at cars because the second you set foot on the lot you are ambushed by the ninja cars sales people that come out of the woodwork to "make the sale.". My wife, children and I were treated with outstanding customer service and not once did I feel like we were being pressured into anything that we did not particularly want. It was strange. For once I felt like Ozzy legitimately cared about doing the right thing. No used car is perfect or without its issues, but I feel that Ozzy went above and beyond to take care of all of the little issues that we had. I am extremely impressed and will definitely be returning to Ozzy's when it's time for another vehicle.

    23. buy here pay here Boise dealer review by chris guti

      chris guti rated Hot Wheels N’ Deals

      We went in to buy a ram 1500 laramie scott worked with our creditor, let me take the truck for half a day to get it inspected and have a gps tracker installed .. brought the truck back after 6pm ... he waited a few days later till i got his check and the deal was done after 6pm when he waited for us Overall the truck was solid

    24. buy here pay here Boise dealer review by Rick Baker

      Rick Baker rated Hot Wheels N’ Deals

      Bought a convertible mustang from them last year. About a week after buying the engine light went on for bad O2 sensors. Engine light would go away on its own but always came back on. Even though it took me almost a year to order the parts and find time to swing by, he still changed it out for me free of charge.

    25. buy here pay here Boise dealer review by Jonny Kerr

      Jonny Kerr rated Boise Auto Sales LLC

      I have to say I am not a fan of used car lots but I found what looked like a great deal on Facebook. I went in and John was very nice, helpful and not pushy at all. The car was clean and very fair priced. It was a great experience all around, he even had movies and coloring books to help keep the kids occupied. So if you are looking for a great deal and a great salesman this is the place.

    26. buy here pay here Boise dealer review by Robert Watson

      Robert Watson rated Boise Auto Sales LLC

      Great staff. Great deals on cars. They were very honest and easy to deal with. Definitely 5 stars. I liked them so much I asked for a job!

    27. buy here pay here Boise dealer review by Joshua Bradshaw

      Joshua Bradshaw rated Wholesale Auto Dealers Inc.

      I couldnt have had a better experience elsewhere. everyone was super friendly and willing to help. It took a little to find a vehicle that was right for me, but we did! Doug was such a great help. I am super happy with my Toyota. I was impressed with the service, explanations, and end result.

    28. buy here pay here Boise dealer review by David Gay

      David Gay rated Wholesale Auto Dealers Inc.

      I bought a car from Wholesale Auto Dealers recently and was completely satisfied with the experience and the vehicle. I felt they were upfront and honest about the car and the purchase went quickly. I appreciate that they provided the Carfax history on their website. Based on my experience, I recommend Wholesale Auto Dealers.

    29. buy here pay here Boise dealer review by Jem Kim

      Jem Kim rated Gem State Auto

      Bought a car here recently . Dave is so helpful and my car runs great and looks great inside and out. He does not rip you off like majority of most car dealerships! Dave really cares and is very honest and tries to work with your financial situation to the best of his ability. Thank you Dave!

    30. buy here pay here Boise dealer review by The Reynman

      The Reynman rated Gem State Auto

      I have never been to a car dealership that cares so much about its people that buy from there. I had a couple of incidents where money was tight and they always understood and let me come up with payment plans. Definitely good people.

    31. buy here pay here Boise dealer review by Garrett Smith

      Garrett Smith rated Sunset Motors

      Herb was awesome to work with. Not pushy, honest, with very fair pricing. He doesn't charge dealer doc fees or any other bogus fees. His vehicles are super clean and reliable. The whole process was seamless and a great experience. I would definitely buy another vehicle from his lot in the future and would recommend him to friends and family.

    32. buy here pay here Boise dealer review by Rana Hahn

      Rana Hahn rated Sunset Motors

      Herb was an absolute dream to work with! We live in Lolo, MT and were purchasing a suburban from him in Boise. He was more than helpful when my father-in-law was looking at vehicles for us, he was great about keeping in contact with me through the whole process as well. There were a few things that needed fixing and Herb made sure it was done in a timely manner! A couple hours after purchasing the vehicle there was an issue, we called Herb, and he got us taken care of right away and the issue was resolved. Herb was the most honest salesman I’ve ever met, and not pushy at all! I would recommend Herb to anyone I meet! Thank you Sunset Motors for being so honest and hard working for us!

    33. buy here pay here Boise dealer review by Trisha Harvey

      Trisha Harvey rated Vista Auto Sales

      I can't say enough good about Vista Auto Sales ! Dene has worked with me with the Taurus and sold my first car (Buick La Sabre). Best service I have ever had with a dealership ! And they are like family to me .. he may be 100% honest when I am in a bind but.. that's business and you have to admire Brent and Dene for their professionalism! Thanks !

    BHPH Boise ID dealer

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