Top 14 Buy Here Pay Here Dealers in Charleston SC

Looking for a used car dealer in Charleston SC but your credit is in bad shape?

Connect with top 14 buy here pay here Charleston SC car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Charleston'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 Charleston SC

  • Car Coast Auto Sales, SC

  • Southern Motor Company, SC

  • Fair Price Auto Sales llc, SC

  • Everyone Drivez Auto Sales, SC

  • Quality Plus Motors, SC

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

  • New Life Auto Sales, SC

  • Northwoods Auto Sales, SC

  • Windham Select, SC

  • J & J Auto Sales, SC

  • Azalea Motors, SC

  • Did you know? These BHPH Charleston SC 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 Charleston 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.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • US Auto Sales, SC

  • Ark Auto Sales, SC

  • Dorchester Automart, SC

  • Auto Mart, SC

  • Why buy here pay here Charleston SC 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 Charleston SC 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 Charleston SC 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 Charleston SC Works

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

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

    The buy here pay here Charleston SC 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 Charleston SC 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 Charleston SC 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 Charleston SC

    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 Charleston SC

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

    While buy here pay here Charleston SC 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 Charleston SC 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.

    Charleston SC buy here pay here Reviews

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

    1. buy here pay here Charleston dealer review by Trae Glidewell

      Trae Glidewell rated Car Coast Auto Sales

      Good place with many of great cars along with a stress free car buying experience. Rick and Andy are both very knowledgeable and very fair with lots of nice quality cars. I picked up my 04 Mazdaspeed Miata and have had a blast every time I drive it. Andy made sure I was able to get my dream car even with many looking at a rare car. I will definitely be back to pick up another car soon.

    2. buy here pay here Charleston dealer review by Robin Wilmeth

      Robin Wilmeth rated Car Coast Auto Sales

      Absolutely the most stress free car buying experience of my entire life! Andy and Rick are the best. I love my 2013 Volvo. Many quality cars to choose from that have been personally selected, quality checked, cleaned and ready to go! They even set me up with a bank for the loan and extended warranty. From start to finish, a great experience! Our family will be buying 2 more cars this year, and I can't think why we would go anywhere else!

    3. buy here pay here Charleston dealer review by JC Adams

      JC Adams rated Southern Motor Company

      We had a great experience at Southern Motor Company. Fantastic staff and owner. They were freindly and patient. The car was a great price and finance process was easy and painless, we got a lower rate than we excepted. I would recommend the company to everyone that is looking for quality car at a great price.

    4. buy here pay here Charleston dealer review by white rabbit

      white rabbit rated Southern Motor Company

      I had been shopping around for a particular vehicle for sometime here in Jax, Florida - a BMW 335i in particular - when I came across (a more rare) blue 2011 335iS w/ 77k from Southern Motor Co in South Carolina. Upon a few back n forth's with Randy and Chris (the owner), I made my way up 2+hrs to look at the vehicle. The car was as shown, practically flawless and ran beautifully. After some discussion on the numbers I decided to purchase the vehicle, trusting the quality of service I had been shown. Transaction was smooth and I purchased a warranty with the deal and drove the car home that night. Now after driving the car for practically three months it still runs great! Couldn't be happier with it. The issue was when I brought the vehicle in for an inspection, and had some oil gasket leaks that of course needed to be replaced after 80k miles, very normal on these cars, the warranty is supposed to cover it. Well they did, but only half the job, Labeling some of the leaks like the oil pan housing, "pre-existing", which made no sense because the car was inspected by Southern Motor Co. and it had passed. And I had driven it 4,000k + since then. Issue SOLVED: Regardless, not only was Southern Motor Co. responsive in hearing out my issue - 3 months later, they were quick to thoroughly investigate, and take care of the problem, correcting the discrepancy, THANK YOU! Chris only wants quality cars sold off his lot, but even more what is fair to his customers, that's the kind of people they are. The car he sold me is a quality car, that later on just needed some regular maintenance - being a performance vehicle - when the warranty company plopped on their full obligation Souther Motor Co was quick to correct the problem. Looking for a car can be stressful, you never know who you can trust. Southern Motor Co. made me feel great about my purchase knowing they had my back, and when it mattered they actually did. I wholeheartedly recommend them to anyone shopping around for a quality used car. Thank you Chris!

    5. buy here pay here Charleston dealer review by Carolina Make Ready

      Carolina Make Ready rated Fair Price Auto Sales llc

      Top quality used vehicles, Fair Prices, Great people. This is my 2nd purchase.

    6. buy here pay here Charleston dealer review by masters studios

      masters studios rated Fair Price Auto Sales llc

      How I was treated as a customer left an impression on me. It was obvious that Abdul's focus was on being helpful and running a a great business. I am not surprised that almost all his reviews ar 5 star.

    7. buy here pay here Charleston dealer review by Mike Young

      Mike Young rated Everyone Drivez Auto Sales

      I've been dealing with Maggie and her team of professionals at Everyone Drivez for almost two years. Be it sales, finance or warranty administration their friendly "can do" attitude is always on display. If you're looking for a good car or SUV at a fair price and appreciate being treated with respect, check out the deals and finance options available at Everyone Drivez.

    8. buy here pay here Charleston dealer review by Shafee Bennett

      Shafee Bennett rated Everyone Drivez Auto Sales

      Just got me a car from there the girls there were very nice and very helpful and made me feel very important if anybody wants to get a good car at a good price please go there and see any one of the fine ladies there and they will help you get into a ride they help me get into one

    9. buy here pay here Charleston dealer review by Dylan Steele

      Dylan Steele rated Quality Plus Motors

      Go see josh (there is two of them so you can't go wrong) and they will take care of your car buying needs. They run a tight ship, and are very knowledgeable. You wont feel pressured at all into something you don't like!!!

    10. buy here pay here Charleston dealer review by Nick Spaulding

      Nick Spaulding rated Quality Plus Motors

      Super easy to work with, made my first car buying experience great!

    11. buy here pay here Charleston dealer review by Shaniya Jones

      Shaniya Jones rated New Life Auto Sales

      I got my car from new life about 2 years ago. It’s still in perfect condition still rides very well LOVE IT! My step dad purchased his car from here about 3 years ago still in perfect condition and then my mom just purchased a car for my sister from New life so I highly recommend they have great car choices and affordable at that! ??

    12. buy here pay here Charleston dealer review by Abby Gardner

      Abby Gardner rated New Life Auto Sales

      This was the perfect place to find my first car! Service was amazing, and the car is perfect:)

    13. buy here pay here Charleston dealer review by Tiffany Miller

      Tiffany Miller rated Northwoods Auto Sales

      Great guy! The owner is very personable, professional, and helpful. He never pushed us and just answered

    14. buy here pay here Charleston dealer review by Timmy Rush

      Timmy Rush rated Windham Select

      I can't say enough about windhams select! These guys are the best. I walked in knowing what I wanted the salesman walked me around to the vehicles I was interested in answered any questions I had and most importantly never pushed me to do anything. I bought a very nice Truck and will be back in two years to buy my son's first truck. Thank you windhams!!!! You have my business for life.

    15. buy here pay here Charleston dealer review by Micky Hitchcock

      Micky Hitchcock rated Windham Select

      I drove 3 hours to buy from this lot. The truck I was interested in turned out to have more blemishes than I could see in the pictures. They sold me a truck that I feel like was a nicer model, and to make up for the inconvenience of the other truck, they lowered the price without me asking. They treated me very well, and I highly recommend them.

    16. buy here pay here Charleston dealer review by KAREN DIAZ

      KAREN DIAZ rated J & J Auto Sales

      I'm still driving an SUV I purchased 4 years ago. The lemon that someone is talking about, I purchased for my grandson and he's still driving it ( not a lemon) . Their very friendly , and their word is bond. Would purchase again...

    17. buy here pay here Charleston dealer review by Twins mommy taylor

      Twins mommy taylor rated J & J Auto Sales

      Had a car with them was very cheap and afford able they worked with me when I was late and never towed my car very nice people

    18. buy here pay here Charleston dealer review by Leo Pate

      Leo Pate rated Azalea Motors

      Azalea. Motors. I. Have. Delt. With. This. Business. Many. Tlmes. And. Have. Been. Asked. To. Repair. Some. Of. Their. Vehicles. On. Occasion. The. Late. Mr. Buddy. Martin. Was. A. Good. Friend. Mine. And. He. Will. Be. Saddley. Missed. Like. I. Said. I. Have. Repaired. A. Few. Of. Buddys. Vehicles. And. He. Always. Insisted. On. Quality. Workmanship. And. He. Would. Always. Want. To. Haggle. On. The. Repair. Prices. There's. Nothing. The. Matter. With. That. After all. If. He. Keeps. The. Repair. Prices. Low. He. Can. Sell. The. Vehicle. At. A. Low. Price. Thats. Just. Common. Sense. Anyway. Even though. My. Friend. The. Owner. Is. Gone. He. Has. Left. The. Business. In. Very. Good. Hands. And. They. Are. Carrying. On. With. His. Ideals. And. Salesmanship. Of. Truly. A. Great. Place. To. . Buy. A. Vehicle. THX. !!!!!!!!!!!!!!!!******

    19. buy here pay here Charleston dealer review by Mikey Tuned

      Mikey Tuned rated Azalea Motors

      Great place good people decent prices and good mechanic can't beat it

    20. buy here pay here Charleston dealer review by Regina Johnson

      Regina Johnson rated US Auto Sales

      Renee is the best there's ever been. Thank you Renee for giving the best gift he could ever have. She is very sweet and awesome. She will help you in every way possible to get you in your new car. Thanks Renee for everything??

    21. buy here pay here Charleston dealer review by Angela Williams

      Angela Williams rated US Auto Sales

      This place is GREAT! You're treated with great dignity while still feeling that down home Southern charm. Debbie was fantastic and outstanding! She personally sees to it that you walk in & drive out. Everything is thoroughly explained and she talked me from the late model SUV I was looking at, that had 103,000mi on it, to a 2012 SUV with only 80,000mi. It was cheaper, too! I don't have the loveliest credit, but I sure did drive home listening to the CD I'd brought with me, just in case I was approved. If/when you go there, tell her I sent you. Thank you, Debbie! =D

    22. buy here pay here Charleston dealer review by Anthony Hayes

      Anthony Hayes rated Ark Auto Sales

      They are very very nice people and very truthful on the history of any car they sell you Andrew is phenomenal his staff is just as good if you’re ever in the Charleston area looking for a car ask auto hands-down is the best place to buy a car I’ll give these guys 10 stars out of 10 stars Thanks Andrew for being a real good dealer in our area and somebody that we can trust someone we look forward to dealing with for years to come thank you ask auto for supporting our area

    23. buy here pay here Charleston dealer review by Ken Mercer

      Ken Mercer rated Ark Auto Sales

      Friendly staff. Good cars for a good price. Ask for Jason, very helpful.

    24. buy here pay here Charleston dealer review by Tanya Haynes

      Tanya Haynes rated Dorchester Automart

      Satisfied customer. Very calm and easy going process to purchasing a decent car. Office staff very polite and knowledgeable. Down payment listed on the cars so No hidden cost or fees. They are not like other car lots where you spend hours or days on a lot trying to get a car. Will buy here again. Thanks

    25. buy here pay here Charleston dealer review by kimberly english

      kimberly english rated Dorchester Automart

      I purchased a Volvo on yesterday it was a excellent experience and the we're quick to serve. I went to the speedway gas station to fill my tank and noticed a leak and bought it back they repaired the problem with no charge. Thanks

    BHPH Charleston SC dealer

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