Top 9 Buy Here Pay Here Dealers in Boulder CO

Looking for a used car dealer in Boulder CO but your credit is in bad shape?

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

  • McCaddon Cadillac, CO

  • Fisher Honda, CO

  • DriveTime Used Cars, CO

  • Green Eyed Motors, CO

  • Victory Motors of Colorado, CO

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

  • Vista Auto Sales, CO

  • Longmont Auto Sales, CO

  • McManus Motors, CO

  • Frontline Auto Brokers, CO

  • Why buy here pay here Boulder CO 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 Boulder CO 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 Boulder CO 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 Boulder CO Works

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

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

    The buy here pay here Boulder CO 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 Boulder CO 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 Boulder CO 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 Boulder CO

    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 Boulder CO

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

    While buy here pay here Boulder CO 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 Boulder CO 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.

    Boulder CO buy here pay here Reviews

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

    1. buy here pay here Boulder dealer review by Jackson Crawford

      Jackson Crawford rated McCaddon Cadillac

      Best car-buying experience I've had. None of the pushiness or attitude you often get at dealers, just a good retail experience of buying something you need from people who have it and who don't want to hassle you about it. I worked with John Clark in sales and Justin Gasman in financial services and would recommend them to anyone who just wants to get in a new set of wheels and go.

    2. buy here pay here Boulder dealer review by Jamie Hines

      Jamie Hines rated McCaddon Cadillac

      I had my car serviced for oil change during this pandemic and it was easy everyone did an amazing job. Everyone here is so friendly and knowledgeable, they explained everything over the phone as if I was standing there right in front of them. Justin returned my car clean and serviced. I will definitely bring my car back for the next oil change.

    3. buy here pay here Boulder dealer review by Ben Dougherty

      Ben Dougherty rated Fisher Honda

      We had a fantastic experience with Fisher Honda. My wife and I were in the market for a new vehicle and Ron Samoray was wonderful to work with. He was accommodating, driving the vehicle from Boulder to Denver for us to test drive. He was knowledgeable and patient with us, making the buying process incredibly smooth. Overall, Fisher Honda provided wonderful service and prices. Highly recommended!

    4. buy here pay here Boulder dealer review by Tongen Touch Massage Therapy

      Tongen Touch Massage Therapy rated Fisher Honda

      The folks at Fischer Honda always take great care of my car. I appreciate that they have a shuttle service so I can work while my car is getting the oil changed. They recently renovated their service center, and it feels great there and the customer service is top notch

    5. buy here pay here Boulder dealer review by Cleo Wiley

      Cleo Wiley rated DriveTime Used Cars

      I walked into DriveTime on Colfax hoping to get a vehicle that I so needed. John R was so very warm and welcoming to me that it made my car experience (first time buying) the best experience ever! John worked hard to get me in my 2017 Ford Escape! I didn't know what to say but thank you and I was in tears that I got approved for a newer SUV and it had everything that I have been looking for! If you're looking for a good vehicle and a really good price and someone that will take you step by step through the car buying process, ask for John R. I am recommending him to my friends and family! Thank you so much for my SUV!

    6. buy here pay here Boulder dealer review by Rick Ruthstrom

      Rick Ruthstrom rated DriveTime Used Cars

      The process was not a long drawn out ordeal. They pulled my credit without questioning my personal issues. I appreciated that. We had a choice of vehicles and loan options. In a previous purchase elsewhere, we were not given a choice. Sara was a total delight to work with.

    7. buy here pay here Boulder dealer review by bluerailcolo .

      bluerailcolo . rated Green Eyed Motors

      I had a very positive experience with this dealership specifically Shae fun down to earth friendly guy! I've been shopping around for over a year now and found the truck of my dreams. I hope all of you guys at Green Eyed Motors the very best!

    8. buy here pay here Boulder dealer review by Kelsey Conroy

      Kelsey Conroy rated Green Eyed Motors

      GEM blew me away!! I love this business! I recently moved to Boulder and knew that the first thing I would need was a car. I started looking at used car deals online where I found GEM. They happened to have the exact model/mileage car I was looking for so I called them right away. Fred answered and so kindly and patiently answered all of my questions. I made my way there in the afternoon to test drive it and some other models. Fred was with me all the way, giving me all the time and space I needed to make decisions, and also weighed in with genuine concern when I asked his opinion. He even steered me away from a higher-priced vehicle based on what I was looking for. I told him I wanted to sleep on it, and that my only concern was that the clutch would give out soon at the mileage it was at. He was very considerate and told me he’d hold onto it for the next 24 hours while I thought it over. I arrived the next day to sign and pay. What a TREAT of a day it was! Firstly, I noticed that Fred had added in some of the floor mats and trunk privacy accessories from another identical model car on the lot that I was eyeing the day before. Secondly, when we sat down, Fred surprised me!! He said that after getting his colleagues and the house mechanic to take a second look at the clutch, they were going to replace the clutch for me for free, and not until it truly needed it!! I jumped out of my chair to hug him. What a kind gesture! Really—they didn’t have to do that. He already had my sale. Lastly, I wanted to make sure I was doing full due-diligence and requested that I take it to a 3rd party shop for a run down before finalizing. They also accommodated this, trusting me to take it home for 4 days until my appointment at AutoHaus, and were willing to void the sale if anything came up. It passed with flying colors. I now have an awesome new Mini Countryman that I love and am confident in. If/when the clutch begins to give me trouble, all I will have to do is take it back to GEM and take them up on their agreement to replace the clutch. I also truly feel that if at any point this car no longer works for me, I’ll be going straight back to GEM to trade/buy with them. I didn’t know car buying could be this comfortable. Thank you GEM for making a big decision much easier. Thank you GEM and Fred for a soft landing and a kind, honest experience! 5+ stars!!

    9. buy here pay here Boulder dealer review by Joel Wilson

      Joel Wilson rated Victory Motors of Colorado

      This is a great place with excellent customer service. Great prices and they are very accommodating. Everyone is really pleasant there. I had the pleasure of working with Jordan who is a very nice and professional salesman (he also gets things done very quickly and answered all my questions almost immediately). Highly recommend this place.

    10. buy here pay here Boulder dealer review by BongEatBong

      BongEatBong rated Victory Motors of Colorado

      I purchased a 2010 Chevrolet Tahoe LS from this dealership and have been very happy with the vehicle. Brian was extremely helpful throughout both the purchasing and post-sales experience, giving me a ton of information that I did not know prior to visiting Victory Motors. I would absolutely consider purchasing from them again. The only thing I do recommend is that you read the terms and limitations of any third-party vehicle warranty they attempt to sell you VERY carefully as it may not be a good value for you.

    11. buy here pay here Boulder dealer review by robin sedillo

      robin sedillo rated Vista Auto Sales

      Absolutely wonderful experience! Adriel was a pleasure to work with, very responsive and informative. They delivered our truck to the Springs, same day, and it’s perfect! Beautiful truck, nicer than advertised! Truly wonderful customer service and great experience. We will definitely be returning here for our next vehicle purchase!

    12. buy here pay here Boulder dealer review by Florencio Batrez

      Florencio Batrez rated Vista Auto Sales

      Great service and good quality vehicles

    13. buy here pay here Boulder dealer review by jason Larson

      jason Larson rated Longmont Auto Sales

      Happy and confident in my purchase after having a horrible sales experience with my first car with a different dealership years ago, everything was upfront no pushy sales and my total bill was explained to me! No extra cost or fees were hidden just car price, a warranty That would cover mechanical issues for x amount of miles and of course taxes! Over all I had a great experience.

    14. buy here pay here Boulder dealer review by Estefania Corral

      Estefania Corral rated Longmont Auto Sales

      Absolutely great place. A friend recommended this place and I'm glad I went. They were all great but Jim was the best! He made sure I was happy with my choice and made sure I got the best deal possible. Now I have a great car that I'm ecstatic with and that will take me on new adventures. When you go, ASK FOR JIM! and tell him I sent you. You won't regret it.

    15. buy here pay here Boulder dealer review by Robert Potter

      Robert Potter rated McManus Motors

      I contacted Trevor about buying a small 4WD vehicle for my family. I gave him a budget of what I could spend and a list of the vehicle requirements. He said no problem! He hunted for the perfect vehicle and found one in great condition with low mileage. It literally took me 20 minutes to finalize the purchase. AMAZING! The car gets great gas mileage and it's fun to drive. I'm very happy with the car and the service. Recommended!

    16. buy here pay here Boulder dealer review by Steve Morrisette

      Steve Morrisette rated McManus Motors

      Sean and Trevor went above and beyond at 530pm so close to closing to make sure I still have time to go for a test drive and even time to switch all the old items from my old truck!! Would recommend to a friend looking to rebuild their credit with a dealership ran with integrity!

    17. buy here pay here Boulder dealer review by sadeyesduran303 .

      sadeyesduran303 . rated Frontline Auto Brokers

      I purchased a vehicle few months ago , it's always a little scary getting into a used car. But these guys were good ,had a minor issue with my car a couple days into it. I called and they took care of it no charge to me , really appreciate that. My car is running great , will definitely be my go to place when I need a car thanks guys ?

    18. buy here pay here Boulder dealer review by Jason Nomof

      Jason Nomof rated Frontline Auto Brokers

      Luis was great and sold me great car at a good price, no pressure worked within my budget very well. If I ever need a car again I know where I'll be going and you should go there too!

    BHPH Boulder CO dealer

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