Top 8 Buy Here Pay Here Dealers in Cedar Rapids IA

Looking for a used car dealer in Cedar Rapids IA but your credit is in bad shape?

Connect with top 8 buy here pay here Cedar Rapids IA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Cedar Rapids'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 Cedar Rapids IA

  • Cassill Motors, IA

  • Habhab’s Auto Sports & Imports, IA

  • Budget Car Sales, IA

  • Iowa Auto Brokers, IA

  • Westdale Used Car Superstore, IA

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

  • Best Car, IA

  • McGrath Auto, IA

  • Road Runner Auto Sales and Service, IA

  • Why buy here pay here Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA Works

    When the bank says no to your car loan, the buy here pay here Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA Car lots Dealership

    The one thing is very true about buy here pay here Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA – Fast Approval Low or no credit score

    The buy here pay here Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA 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 Cedar Rapids IA

    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 Cedar Rapids IA

    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 Cedar Rapids IA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Cedar Rapids IA 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 Cedar Rapids IA 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.

    Cedar Rapids IA buy here pay here Reviews

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

    1. buy here pay here Cedar Rapids dealer review by Buckeye Nut

      Buckeye Nut rated Cassill Motors

      It's the owner and his staff that earn a 5 star rating!

    2. buy here pay here Cedar Rapids dealer review by Linda Irwin

      Linda Irwin rated Cassill Motors

      It was a very , very pleasant experience.Bill was our sales person. Super nice man. Very helpful not a pushy sales person. An honest man. Pat handled the finance part. Super nice man as well. Took his time. Got us the very best interest rate. Did not pressure us to buy any of the extras. It was a great experience. I can honestly say I will be buying my granddaughter's car at Cassill Motors when she starts driving. Thank you For all your help and a great car. Many blessings and continued success in your business.

    3. buy here pay here Cedar Rapids dealer review by Tyler Brinegar

      Tyler Brinegar rated Habhab’s Auto Sports & Imports

      Bought an 09 Ford Ranger FX4 in tip top shape, just as described. Great experience with Albert and his wife. Friendly, family operation. Go to Habhab's!

    4. buy here pay here Cedar Rapids dealer review by jeff duve

      jeff duve rated Habhab’s Auto Sports & Imports

      Wow! Super nice people. Clean car lot, great prices. Well worth the drive from DBQ. Thank you Albert and Prentiss for a smooth deal. Looking to purchase a good used truck and found this place. Very happy with Habhabs??

    5. buy here pay here Cedar Rapids dealer review by Elisabeth Stultz

      Elisabeth Stultz rated Budget Car Sales

      If you are looking to buy a new vehicle, I HIGHLY recommend taking your search to Budget- Car & Truck Rental/Sales at 5040 Council St. NE, Cedar Rapids, Iowa. I have purchased two cars from Budget, one today, another a few years ago. Dan Callahan and his crew do a GREAT job, made the whole process easy and stress free! The Cars were clean, serviced..felt like I was buying new!!! Thanks everyone at Budget!

    6. buy here pay here Cedar Rapids dealer review by Axman Productions

      Axman Productions rated Budget Car Sales

      If you want the absolute greatest car buying experience then go here. They make it about as easy as getting groceries and infact it took me longer and was more stressful to get my cell phone. The staff is amazing and super friendly with zero sales pressure. I 100% recomend everyone to go here!

    7. buy here pay here Cedar Rapids dealer review by Mark Dierks

      Mark Dierks rated Iowa Auto Brokers

      I recently made a purchase at Iowa Auto Brokers. The process could not have gone more smoothly. My wife and I arrived shortly before Clint was closing for the day. We did a second test drive of a van we had been in to look at previously and made an offer. The negotiation process was simple and Clint completed the paperwork in less than 20 minutes. We would definitely recommend Iowa Auto Brokers to others.

    8. buy here pay here Cedar Rapids dealer review by Melissa Stagg

      Melissa Stagg rated Iowa Auto Brokers

      Had a great experience at Iowa Auto Brokers a few months ago!! Got a great deal on a Honda Civic and they were extremely willing to work with us and accommodate our crazy schedules! I haven’t had any unforeseen huge issues with my car and am very satisfied with my purchase! Will definitely be a returning customer!

    9. buy here pay here Cedar Rapids dealer review by Mariah Warner

      Mariah Warner rated Westdale Used Car Superstore

      We had a wonderful car buying experience with Josue. He helped us look at a few vans, he even went out to Marion to get one for us to look at. They helped us get set up and in our new van within 24hrs. Great experience with a friendly staff and prompt service. Thank you.

    10. buy here pay here Cedar Rapids dealer review by Maria Cavros

      Maria Cavros rated Westdale Used Car Superstore

      This is the BEST CAR DEALERSHIP!!! Very friendly Sales Staff and they're not pushy!! If you need a vehicle please stop in and see Everett, he was my granddaughter's salesman. Everett found the vehicle that was perfect for her and her family and I am so very grateful! Please mention you saw this from my review!? Thank you

    11. buy here pay here Cedar Rapids dealer review by Raymond Miller

      Raymond Miller rated Best Car

      Bruce is a great person and perfect for the automotive business. He's down to earth and doesn't try to sell you something you don't need.

    12. buy here pay here Cedar Rapids dealer review by Bruce Larson

      Bruce Larson rated Best Car

      Clean and best prices in town

    13. buy here pay here Cedar Rapids dealer review by Christopher Walbert

      Christopher Walbert rated McGrath Auto

      Cody Myers, if you can work with him, your day is guaranteed to go smoothly. Everybody who works here is warm and prudent with your time. Jacob Stallsworth helped us through financial planning, and made the whole knotted process a straight shot. This place sets the bar high for any future dealings I’ll have with automotive service.

    14. buy here pay here Cedar Rapids dealer review by David Witte

      David Witte rated McGrath Auto

      My wife and I decided to go car shopping on the weekend. We had our mind set on a 300. I had bought from McGrath before and it was a good experience so we started looking on their lots. That's where we met Craig Henderson and he showed us the 300 they had but we also liked a charger he showed us. Craig was very helpful and patient. We tend to think things over a lot. Our intentions we decided that week were to buy one of the two the Charger or the 300. When we returned the next weekend Craig had kept looking for us and had a red Charger SXT there for us to drive. It was awsome. Craig took the time to listen to what we wanted in a car. We are so proud of that car. Thanks Craig for finding our dream car. Hats off to the rest of the McGrath staff for another good experience. If your looking for a car go see Craig at McGrath. He is a great guy and we had fun looking at cars with him.

    15. buy here pay here Cedar Rapids dealer review by Kathleen Krempasky

      Kathleen Krempasky rated Road Runner Auto Sales and Service

      I looked online for a vehicle because being a woman alone, I had no clue where to start. A vehicle on the Road Runner lot came up so I called for an appointment. I went in as a customer, but left the first day feeling more like family. The owners did NOT apply any pressure for me to buy a certain vehicle OR to even buy one. The 2nd or 3rd day of looking I made a decision to purchase the 2nd vehicle I looked at. The paperwork went smoothly. I totally had a positive experience here and felt I had been treated very fairly! Buying? You certainly can't go wrong here!????

    16. buy here pay here Cedar Rapids dealer review by Zoey Langton

      Zoey Langton rated Road Runner Auto Sales and Service

      Nice dealership with great selection. Good place to get your car serviced.

    BHPH Cedar Rapids IA dealer

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