Top 11 Buy Here Pay Here Dealers in Chesapeake VA

Looking for a used car dealer in Chesapeake VA but your credit is in bad shape?

Connect with top 11 buy here pay here Chesapeake VA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Chesapeake'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 Chesapeake VA

  • Courtesy Auto Sales, VA

  • Earl’s Credit Auto Sales, VA

  • Holiday Motors, VA

  • All Ride Motors, VA

  • Mid-Atlantic Motors, VA

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

  • Auto City, VA

  • Little Joe’s Autos/Mitsubishi, VA

  • Auto City Professional Auto Sales, VA

  • All-in-One Auto, VA

  • Prestige Auto Group LLC, VA

  • Did you know? These BHPH Chesapeake VA 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 Chesapeake 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.

  • EF Motorsports, VA

  • Why buy here pay here Chesapeake VA 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 Chesapeake VA 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 Chesapeake VA 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 Chesapeake VA Works

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

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

    The buy here pay here Chesapeake VA 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 Chesapeake VA 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 Chesapeake VA 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 Chesapeake VA

    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 Chesapeake VA

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

    While buy here pay here Chesapeake VA 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 Chesapeake VA 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.

    Chesapeake VA buy here pay here Reviews

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

    1. buy here pay here Chesapeake dealer review by Leen Estrellado

      Leen Estrellado rated Courtesy Auto Sales

      5 Stars, of course. I will recommend this dealership to everyone I know if they are in need of a car for sure! Everything was done in a timely manner. What stood out the most is the customer service, and they do their name justice! I had Jason Harris and he did an amazing job! Ask for him and you won’t be disappointed one bit! Thank you so much! I’m a happy customer and drove out of there with a smile!

    2. buy here pay here Chesapeake dealer review by Taya Blount

      Taya Blount rated Courtesy Auto Sales

      Excellent customer service! Steven was my customer service representative and he made an easy-going no pressure environment while showing me the car. He let me take the car on a long test drive. I felt comfortable and anxiety free during the whole experience and he never tried to stop me from leaving the dealership or pressured me to buy the car immediately. Steven and Chuck made the car purchase a fast, no hassle experience with their expertise. Would definitely recommend buying a car from this place!

    3. buy here pay here Chesapeake dealer review by Olivia Robinson

      Olivia Robinson rated Earl’s Credit Auto Sales

      Wonderful company. Very affordable. Great warranty. Love love love the customer service. I'll never shop anywhere else for a vehicle.

    4. buy here pay here Chesapeake dealer review by Carianne Shorb

      Carianne Shorb rated Earl’s Credit Auto Sales

      Excellent customer service, quality and speedy. Would recommend without reservation!

    5. buy here pay here Chesapeake dealer review by Dakota Miller

      Dakota Miller rated Holiday Motors

      Just bought my first car from Holiday Motors and couldn’t be happier. They made the whole process easy and super efficient! In only one day they were able to get me in and out with my desired vehicle. Tom was super helpful answered any and all questions I had. Will definitely be going here in the future and recommend this dealership to anyone looking to buy.

    6. buy here pay here Chesapeake dealer review by Anessa Morris

      Anessa Morris rated Holiday Motors

      Tommy is a awesome salesman. Takes time to listen to your wants and concerns. As well as helping to make sure you explore all your options. I drove 3 hours from NC to get there and I left smiling. Purchased a 2016 purple challenger. Enjoying it and will definitely keep them in mind when ready to purchase again.

    7. buy here pay here Chesapeake dealer review by Lady Belle

      Lady Belle rated All Ride Motors

      What can I say, and where can I start. First God is amazing!!! All ride motors has been such a blessing. This the second car that we have purchased from ARM and we are planning on buying a third in the near future. The honesty,professionalism, and feeling like we are family is what keeps us coming back. The cars are also reliable and safe . If you don't know , please adhere to my words once you try ARM you will keep coming back. Awesome cars and incredible customer service.

    8. buy here pay here Chesapeake dealer review by Ryan Hatcher

      Ryan Hatcher rated All Ride Motors

      Very honest, helpful and upfront. Unafraid to showcase the vehicles, which is what you want. I havent purchased a vehicle, I went in for a test drive. But I look forward to completing business in the near future. God willing.

    9. buy here pay here Chesapeake dealer review by Matthew Rediske

      Matthew Rediske rated Mid-Atlantic Motors

      Great place to buy a car. They car about selling a quality csrs . I recommend this place to everyone. They made things so easy fo us.

    10. buy here pay here Chesapeake dealer review by Shirley Barnes

      Shirley Barnes rated Mid-Atlantic Motors

      Great customer service from the dealer Eric. We were well pleased with our car purchase. Would recommend this car lot.

    11. buy here pay here Chesapeake dealer review by Robin Hope

      Robin Hope rated Auto City

      I am so pleased with the customer service, selection of vehicles and prices of the vehicles at Auto City. David is a wonderful informative sales manager. We will definitely buy from Auto City again in the future because of our great experience. Thank you so much! ?????

    12. buy here pay here Chesapeake dealer review by Ron Mclean

      Ron Mclean rated Auto City

      Smaller dealership locally owned and still family operated. These are used vehicles that are being offered at fair prices. Friendly and knowledgeable staff. Ask for Ed$ (money)

    13. buy here pay here Chesapeake dealer review by Alicia Adams

      Alicia Adams rated Little Joe’s Autos/Mitsubishi

      They are absolutely amazing! I wasn't in the best position walking through the door, but they found the perfect vehicle and got me driving away the same day! Thank you for going above and beyond! You guys are truly outstanding! Massive thanks to Adam Byrd for making this a truly wonderful experience! ??

    14. buy here pay here Chesapeake dealer review by Xavier DeBrough

      Xavier DeBrough rated Little Joe’s Autos/Mitsubishi

      Ariel is not just any Merman... He's a Merman that makes it happen... Going into this car buying process I was uneasy and I didn't trust what dealers had to say... Obviously my credit situation wasn't easy to work with at all... But Ariel with the constant reassurance made me trust him and little Joe's a little more... After 4 entertaining hours... Ariel had my back and I left the lot with an SUV I'm definitely comfortable and satisfied with...Thank you to Ariel and the little Joe's family for taking a chance and providing me an opportunity to drive something nicer and newer! And to the gorgeous girl that sits at the bar in that back corner office as soon as you walk in thank you for providing me great customer service both on the phone and in person. Thank you all so much I will definitely be back in about 10-12 months

    15. buy here pay here Chesapeake dealer review by Dwayne Gyles

      Dwayne Gyles rated Auto City Professional Auto Sales

      Good customer service today

    16. buy here pay here Chesapeake dealer review by Deric Quesenberry

      Deric Quesenberry rated All-in-One Auto

      George is very pleasant to work with.Me and my Wife desperately looking for a dependable vehicle saw a nice affordable one owner Chevy Tahoe online.We went to check it out,it was unbelievable how well taken care of it was.Went for a test drive,it drove like a new car.They were so helpful and in no way pressured us to buy it.In all my experiences of dealing with car dealers have I had a person who stands by his word.Transaction/paperwork was less than an hour.They make you feel like family.Three months later and only an oil change it still runs flawless!I will definitely be doing more business in the future.I highly recommend you check them out today if you need a very dependable vehicle,you won’t be disappointed!

    17. buy here pay here Chesapeake dealer review by Lydell Decquir

      Lydell Decquir rated All-in-One Auto

      Great place to get a quality used vehicle! Mr George and Mr David are the best!!!!!!

    18. buy here pay here Chesapeake dealer review by D

      D rated Prestige Auto Group LLC

      I recently purchased my 2004 Hummer H2 from Gary and Marty over at Prestige and would recommend anyone searching for a vehicle to give them a call. They're easy to work with and aren't satisfied until you're satisfied. They worked as hard as they could to assist me and I greatly appreciate all their hard work and efforts. And Marty, this guy is a true character lol GREAT charismatic guy and always upbeat energetic personality. Stop by and check them out anytime... Much respect and appreciation to these gentlemen right here...

    19. buy here pay here Chesapeake dealer review by Stephanie Conran

      Stephanie Conran rated Prestige Auto Group LLC

      We stopped by Prestige and left with a car! Gary and Marty we’re so wonderful! They worked really hard to get me the best car and the best deal. Gary was so patient! We live in NC and have no problem referring anyone here. I will be happy to do business with them in the future!!

    20. buy here pay here Chesapeake dealer review by Ella Mae Johnson

      Ella Mae Johnson rated EF Motorsports

      I tell you Marcellos IS THE BEST SALESMAN EVER.I TOOK HIM THROUGH WHEN I RECEIVED ANOTHER CAR FROM E F MOTORSPORTS.AND I TELL YOU THEY HAVE BEEN GOOD TO ME AND MR MARCELLOS WAS SO PATIENT AND CALM AND NEVER RAISED HIS VOICE.GOOD COMPANY

    21. buy here pay here Chesapeake dealer review by John Coffman

      John Coffman rated EF Motorsports

      Well serviced cars, good rates, nice people.

    BHPH Chesapeake VA dealer

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