Top 17 Buy Here Pay Here Dealers in Buffalo NY

Looking for a used car dealer in Buffalo NY but your credit is in bad shape?

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

  • Buffalo Motor Works, LLC, NY

  • Weco Tire & Auto Sales, NY

  • Smiling Ted’s Quality Used Car, NY

  • E-Z Loan Auto Sales of Niagara Falls, NY

  • 716 Automotive World, NY

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

  • River Front Auto Sales, NY

  • Liberty Auto Plus Inc, NY

  • E-Z Loan Auto Sales of Buffalo, NY

  • Rayz Auto Center, NY

  • eAutoDiscount, NY

  • Did you know? These BHPH Buffalo NY 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 Buffalo 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.

  • Duncan Motor Car Sales And Service, NY

  • Abbott Motors, NY

  • Basil Resale Delaware, NY

  • Village Motor Sales, NY

  • A Plus Auto Inc, NY

  • The phrase buy here pay here Buffalo NY 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. Buffalo 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.

  • C Ray Automobile Sales, NY

  • Jerry Gradl Motors Inc, NY

  • Why buy here pay here Buffalo NY 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 Buffalo NY 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 Buffalo NY 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 Buffalo NY Works

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

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

    The buy here pay here Buffalo NY 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 Buffalo NY 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 Buffalo NY 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 Buffalo NY

    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 Buffalo NY

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

    While buy here pay here Buffalo NY 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 Buffalo NY 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.

    Buffalo NY buy here pay here Reviews

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

    1. buy here pay here Buffalo dealer review by Tracey Eastman

      Tracey Eastman rated Buffalo Motor Works, LLC

      The guys at Buffalo Motor Works are amazing. They made my first hybrid purchase easy and painless. They explained the car's workings patiently and gave me lots of good tips for keeping her running smoothly. I have complete faith in their expertise and was so impressed with their customer service. My Toyota Prius is a fantastic car. the best I've ever had. and I'm so happy I found Buffalo Motor Works and plan to buy all my cars from there in future.

    2. buy here pay here Buffalo dealer review by Clark Dever

      Clark Dever rated Buffalo Motor Works, LLC

      A wonderful car buying experience! Andre has deep expertise on hybrid and electric vehicles. He walked me through the different options they had on the lot, it was very low pressure. More like talking to a friend than a sales guy. I've had Dan (their mechanic) work on other vehicles that I own in the past, he is extremely thorough and detail oriented. I bought with confidence knowing that he had prepared the 2006 Prius I ended up buying. I've had the car a few months now and it's been wonderful. The gas mileage is great (I average 45mpg in almost all city driving, I was closer to 55mpg when I drove from Buffalo to Rochester). The nicest part about the purchase is the freedom it gives you to travel. Their level of service was outstanding. Andre picked me up at my office and drove me to their lot to see the cars and let me test drive one. This was also the first time I've ever financed a car, Andre worked closely with me and the loan officer at Buffalo Metro Federal Credit Union to get the funds transferred. I've already recommended their dealership to a few friends looking for vehicles. I am 100% happy with my purchase and the car buying experience.

    3. buy here pay here Buffalo dealer review by Kathleen Morrisey

      Kathleen Morrisey rated Weco Tire & Auto Sales

      Honest. Good service for a fair price. I keep trying to find a place closer to where I live and I keep going back to Weco because I trust them! Recommend!!

    4. buy here pay here Buffalo dealer review by Thomas Papke

      Thomas Papke rated Weco Tire & Auto Sales

      Great place to get your car fixed !!they do a wonder thro job and fair price e !!!

    5. buy here pay here Buffalo dealer review by Katie Sante

      Katie Sante rated Smiling Ted’s Quality Used Car

      I just recently got my second car through Ted- I honestly would never go anywhere else! He is absolutely fantastic and the most honest guy you'd ever meet. If you have a certain car in mind- he will find it and get it to his lot for you. He does not sugar coat anything and will let you know if a car you're looking at wouldn't actually be a good fit for you and the reasoning of why. He doesn't push you to buy what so ever and will take all the time you need to make that decision. My entire family goes to him. I HIGHLY recommend smiling Ted's!! You'll never see me at another car dealer shop. He has really helped and took care of me through the years and I guarantee he will do the same for you. So don't look any further and call him! :)

    6. buy here pay here Buffalo dealer review by Tim Geiger

      Tim Geiger rated Smiling Ted’s Quality Used Car

      The first dealer that I have worked with who actually answered all of my questions and provided a trade quote through email. Very easy to work with and made the entire car buying experience a breeze.

    7. buy here pay here Buffalo dealer review by mark saunders

      mark saunders rated E-Z Loan Auto Sales of Niagara Falls

      Ramon was incredibly helpful and worked with us to make sure we got what we wanted. He was very accommodating to times and exceeded our expectations. I highly recommend going here for the friendly service.

    8. buy here pay here Buffalo dealer review by Shayla Sylvester

      Shayla Sylvester rated E-Z Loan Auto Sales of Niagara Falls

      Great staff and service. Everything was done in literally a day, No BS. Taylor was amazing! Very helpful and attentive, he found exactly what I was looking for ? left the lot a very happy woman ?

    9. buy here pay here Buffalo dealer review by Tiffani Jackson

      Tiffani Jackson rated 716 Automotive World

      Excellent customer service he got me in a vehicle in no time and the vehicle I wanted. Great car great service

    10. buy here pay here Buffalo dealer review by nae dew

      nae dew rated 716 Automotive World

      This is a good lot they DO EVERYTHING THERE (plate insurance etc ) Roman is Great Young but very knowledgeable on his stuff and Marquan was great as well pointed us in the right direction and i have a nice AFFORDABLE CAR ???? HIGHLY RECOMMEND

    11. buy here pay here Buffalo dealer review by JoAnne Casey

      JoAnne Casey rated River Front Auto Sales

      After spending weeks online in search of the perfect used car for my retirement, I found the vehicle that I was looking for at River Front Auto Sales in Buffalo, New York. The folks at this family-owned business were very helpful from the moment that I first contacted them. Jimmy was terrific. He took the time to answer all of my questions and provided additional information along the way to make the entire purchase process go smoothly. I love my new car and I would definitely recommend River Front Auto Sales to anyone in the market for a quality used vehicle. They offer excellent customer service and have a nice selection of great cars to choose from.

    12. buy here pay here Buffalo dealer review by Stephen Reed

      Stephen Reed rated River Front Auto Sales

      Jimmy was great. Funny guy, made my fiancee and I very comfortable right from the first minute we walked on the lot. We worked out a GREAT deal on a car that I love driving.

    13. buy here pay here Buffalo dealer review by Mike R

      Mike R rated Liberty Auto Plus Inc

      I was leaning towards purchasing a vehicle here and intended to get in touch with these guys the following day after test driving it. A sudden opportunity came up that morning to purchase a vehicle a little bit more suitable for entry and access for my senior mom so I had to hurry and go for that one instead. However, I wanted to at least give them a good review for being very helpful, very nice and polite. No pressure tactics and I could tell they were genuine. I'll be looking for a second vehicle in the summer and I will check out their inventory when I can afford it. Sorry it didn't work out but it had nothing to do with the service here. Thanks, guys.

    14. buy here pay here Buffalo dealer review by Precious Tillman

      Precious Tillman rated Liberty Auto Plus Inc

      I love this place. They are always professional. Service is Great and they get you in and out! Precious (Jeep Liberty)??

    15. buy here pay here Buffalo dealer review by Mark Parry

      Mark Parry rated E-Z Loan Auto Sales of Buffalo

      Jason was absolutely wonderful - From start to Finish. He sat down and asked me about my needs, and what I’m looking for. He helped me pick out a vehicle tailored just towards myself and my needs/wants. He was extremely helpful through the entire process - and understanding as well. He worked as fast as he could to get me right in the vehicle. On top of the great service - they worked amazingly towards getting me into the budget I wanted. They’re a great place, and Jason has been absolutely spectacular!!

    16. buy here pay here Buffalo dealer review by Imani Fluker

      Imani Fluker rated E-Z Loan Auto Sales of Buffalo

      Jason was great to work with. I wasn’t disappointed at all. I was in and out the same day.

    17. buy here pay here Buffalo dealer review by Rose Mcdonald

      Rose Mcdonald rated Rayz Auto Center

      Rayz is amazing!!! Great cars, and great staff. They make sure to go that extra mile to be sure your car is safe before you drive off with it. My mom bought a car and so did I from rayz. No regrets. He is 100% honest about the cars and I honestly don't know where else you can find that. Thank you rayz once again ???

    18. buy here pay here Buffalo dealer review by Dakota Holiman

      Dakota Holiman rated Rayz Auto Center

      Ray and his team are very refreshing in the used car world. He and his team are very helpful and a pleasure to deal with. I didn't end up purchasing the car I was looking at, but would definitely consider looking at his selection again.

    19. buy here pay here Buffalo dealer review by darren frayne

      darren frayne rated eAutoDiscount

      They have great prices and quality vehicles... Jim Jason And Mike where super helpful... Amazing selection

    20. buy here pay here Buffalo dealer review by Nikolas Bodine

      Nikolas Bodine rated eAutoDiscount

      Great service and such wonderful people. Last month I bought a 2010 Chrysler Town and Country Touring Mini-Van from them and so far I love it and when I noticed that there was water in the light I took it to them and they got it repaired in less than an hour. Total 100% recommend them if you are looking for your first car or any vehicle where you don’t want to pay a ton of money on

    21. buy here pay here Buffalo dealer review by Faith Anderson

      Faith Anderson rated Duncan Motor Car Sales And Service

      Thanks to Duncan Motor my family and I finally have something that is reliable and safe. They were very understanding and worked with us on everything. We were having a very hard time trying to get a truck and Duncan motors was the only company that was willing to help us. Thanks to them we are now driving a new set of wheels thanks again.

    22. buy here pay here Buffalo dealer review by vincent catalano

      vincent catalano rated Duncan Motor Car Sales And Service

      I purchased a truck from. Duncan motors there’s a couple things wrong with the vehicle and I bought it they promised to fix it they hold steady to there word was very pleased with the financing and also with customer service about the vehicle If you’re looking for a vehicle recommend this place you know what you’re buying before but. Vince catalano

    23. buy here pay here Buffalo dealer review by Angie Branka

      Angie Branka rated Abbott Motors

      Been to many auto shops over the years and I can honestly say this was the best overall. The staff at Abbott Motors were extremely professional and informative. Tim, specifically, was more than accommodating and saved me money in areas he could, being that I have a Cadillac and parts are pretty expensive. Communication was top notch. Everything was discussed before the work was done. I wouldn’t hesitate to send my family and friends here. I will certainly return if any more issues arise with my car. Highly recommend. A+! Thank you for the great service!

    24. buy here pay here Buffalo dealer review by JulieNY69 .

      JulieNY69 . rated Abbott Motors

      Family owned and operated over 50 years. Great cars, great service, great financing options!

    25. buy here pay here Buffalo dealer review by Cara Tv

      Cara Tv rated Basil Resale Delaware

      I traveled from Erie, PA and set up my deal over the phone to confirm I would be in the ball park and cash for the vehicle I purchased Lauren Allison was a women of her word and made my trip worth while. Everyone was very nice but Lauren was great. Thank you.

    26. buy here pay here Buffalo dealer review by Laurie Blair

      Laurie Blair rated Basil Resale Delaware

      Everybody was so helpful! We had a great experience. I would not hesitate to work with them again!

    27. buy here pay here Buffalo dealer review by Grace Simmons

      Grace Simmons rated Village Motor Sales

      Friendly people and very helpful. Helped make my first car buying experience a good one. DJ, the salesman, was awesome. Appreciated dealing with kind people. Went to many other car dealerships that were very rude and talked down to me, so I was happy to do business here! Good selection and appreciated the cleanliness of the cars.

    28. buy here pay here Buffalo dealer review by alexis black

      alexis black rated Village Motor Sales

      Pretty upset I couldn’t go through with my purchase of a 2012 Ford Focus. It was very well maintained and detailed very nicely. However insurance was so high for me I couldn’t afford it. DJ gave me other options on how to purchase the vehicle, Unfortunately it just didn’t work out. He was very nice and tried helping me every which way possible. Thank you for that DJ!

    29. buy here pay here Buffalo dealer review by Dan Winans

      Dan Winans rated A Plus Auto Inc

      Great place to buy a vehicle..I highly recommend this place to anyone Dave is a great guy and is the best in the business when it comes to selling great cars and how he treats his customers..I won't ever buy a car anywhere else they have my business for as long as they are around!!!!

    30. buy here pay here Buffalo dealer review by joe carpino

      joe carpino rated A Plus Auto Inc

      Best mechanic I know mr. Ten

    31. buy here pay here Buffalo dealer review by Brenda Santos

      Brenda Santos rated C Ray Automobile Sales

      Reasonable price Vehicles......

    32. buy here pay here Buffalo dealer review by Christopher johnson

      Christopher johnson rated C Ray Automobile Sales

      Great use cars for a great price and he stands by his guarantee

    BHPH Buffalo NY dealer

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