Top 11 Buy Here Pay Here Dealers in Chicago IL

Looking for a used car dealer in Chicago IL but your credit is in bad shape?

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

  • D & A Motor Sales, IL

  • Capital Motors Credit Inc.,, IL

  • The Auto Warehouse, IL

  • Chicago Car Center, IL

  • The Auto Warehouse, IL

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

  • World Discount Auto, IL

  • The Auto Warehouse, IL

  • Chicago Car Center, IL

  • Baha Auto, IL

  • CHICAGO CAR CONNECTIONS, IL

  • Did you know? These BHPH Chicago IL 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 Chicago 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.

  • S & M Auto Sales, IL

  • Why buy here pay here Chicago IL 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 Chicago IL 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 Chicago IL 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 Chicago IL Works

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

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

    The buy here pay here Chicago IL 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 Chicago IL 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 Chicago IL 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 Chicago IL

    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 Chicago IL

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

    While buy here pay here Chicago IL 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 Chicago IL 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.

    Chicago IL buy here pay here Reviews

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

    1. buy here pay here Chicago dealer review by Laurie Lopez

      Laurie Lopez rated D & A Motor Sales

      This place is the great! I bought two cars from here and the service is just amazing! There is no words to express how the staff is. This last time I had an issue and Sam and Pablo went above and beyond to make me happy. If I was to rate D and A motors outta 5 I would give them a 10! Yes I am a very happy costumer. Will come here over any where else!

    2. buy here pay here Chicago dealer review by MIKE METEOR

      MIKE METEOR rated D & A Motor Sales

      LET'S SEE, AT MY AGE I HAVE PURCHASED AND HELPED PURCHASE MANY VEHICLES (3 CHILDREN, 8 GRAND CHILDREN) AND USUALLY WILL GO WITH PRIVATE SELLERS. MY VISITS TO "USED CAR" ESTABLISHMENTS HAS CREATED A BAD OPINION DUE TO FAST TALKING SALESMAN WITH A KNOWLEDGE LEVEL OF 1 STAR (IF THAT) MY KNOWLEDGE OF CARS IS PROBABLY BENEFICIAL DUE TO MY EARLY YEARS AS A MECHANIC, HOWEVER WITH ALL THE TECHNOLOGY ADDITIONS TO VEHICLES IN THE LAST FEW DECADES I HAVE BECOME A NOVICE. HERE IS MY REVIEW: SOMETHING ON THE CORNER CAUGHT THE CORNER OF MY EYE WHILE DRIVING TO MY MECHANIC FOR AN OIL CHANGE. I SAW A 2005 DARK BLUE JEEP CHEROKEE SOOOOOOO I PULLED OVER AND GOT OUT OF MY CAR TO TAKE A LOOK SEE. I WAS SOON GREETED BY "PABLO" WHO OF COURSE ASKED IF I WOULD LIKE SOME INFORMATION OR IF I WOULD LIKE TO LEARN MORE ABOUT THE JEEP. I FIGURED HERE COMES THE HARD SELL AND THE PRESSURE. WHAT HAPPENED WAS "PABLO" SAID "TAKE YOUR TIME HERE ARE THE KEYS AND I WILL BE CLOSE BY IF YOU NEED ME". I DID JUST THAT AND IN FACT HE DID NOT HOVER OVER ME, HE JUST LET ME EXAMINE THE VEHICLE. AFTER POPPING THE HOOD, STARTING THE ENGINE, SHIFTING AND LISTENING FOR SNAPS I WENT THRU A PRETTY THOROUGH CHECK EVERYTHING MODE. I WAS ACTUALLY PRETTY IMPRESSED. FOUND A FEW VERY MINOR ISSUES. I CALLED THE YOUNG MAN OVER AND (HERE COMES THE CLINCHER) TOLD HIM I WAS SOMEWHAT INTERESTED IN THE CAR BUT WOULD LIKE MY MECHANIC TO CHECK IT OUT WHO JUST HAPPENS TO BE A HALF BLOCK AWAY. HIS REPLY WAS "IF YOU CAN MAKE AN APPOINTMENT FOR TOMORROW MORNING I WOULD BE ABLE TO TAKE THE CAR OVER MYSELF". (HMM NO SIGN OF FEAR!) I CALLED MY MECHANIC OF 32 YEARS CICERO AUTO REPAIR - GOT TO GIVE HIM A PLUG) TOLD HIM ABOUT THE INSPECTION AND ALL WAS OK. FOLLOWING MORNING MY MECHANIC CALLED AND SAID THE CAR IS IN VERY GOOD CONDITION AND I WOULD BE OK TO FOLLOW THRU IF I WANTED TO PURCHASE THE CAR. THIS REVIEW IS LENGTHY FOR A REASON, THAT BEING IT'S SELDOM I EVER WRITE ABOUT A GOOD EXPERIENCE AS THEY ARE FEW AND FAR BETWEEN. PROS: KNOWLEDGEABLE PERSONNEL, CAME TO FIND OUT THAT THE CARS THEY HAVE ON THE LOT ARE ACTUALLY INSPECTED BY A REPUTABLE MECHANIC, (NOT MINE BUT ONE I AM FAMILIAR WITH) AND SERVICED IF NECESSARY. HELPFUL NOT PUSHY, REASONABLE PRICE AND PLEASANT EXPERIENCE. KICKER: ONE OF MY DAUGHTERS WHO LIVES DOWNSTATE TOLD ME ABOUT 2 MONTHS AGO, (HINT HINT),THAT HER VAN OF EIGHT YEARS NEEDED TOO MUCH WORK TO KEEP IT IN GOOD RUNNING SHAPE. GUESS WHERE GOOD OLD DAD IS TAKING HER, (UPCOMING VISIT MID SEPTEMBER). "PABLO I WILL SEE YOU SOON"

    3. buy here pay here Chicago dealer review by Vicky At Pronto

      Vicky At Pronto rated Capital Motors Credit Inc.,

      I love working with this dealership. I've been working with this team for some time now, and they run a very good business--always doing what they can to help their customers. Andres is always so helpful, and Mo always puts his customers first.

    4. buy here pay here Chicago dealer review by Marchella Collins

      Marchella Collins rated The Auto Warehouse

      Raquel Is The Best Sales Person Help me get into a car with 500 down and was able to get me a good car note that I can afford. When u come in ask for Raquel.

    5. buy here pay here Chicago dealer review by Marcy Marie

      Marcy Marie rated The Auto Warehouse

      I was immediately assisted by Raquel and my experience was smooth and honest from the start. She went above and beyond to give me the best service and deal! I feel blessed for coming in and having her assist me. She was even on the phone following up with me when I had any questions. I’m very grateful to Raquel and this Auto Warehouse location! I hope she and the rest of their team have a beautiful and blessed holiday season. Visit and ask for Raquel.

    6. buy here pay here Chicago dealer review by Darrol Wright

      Darrol Wright rated Chicago Car Center

      Man come see these guys. They really want you too succeed in building and drive off. Fernando was awesome & whole office team. Give them a A+

    7. buy here pay here Chicago dealer review by Diane Hardy

      Diane Hardy rated Chicago Car Center

      Thank you Jovan and Elias for my first financed car. You guys are amazing. I definitely refer you guys to anyone I know looking for a car. Thank you again.

    8. buy here pay here Chicago dealer review by Briana Webb

      Briana Webb rated The Auto Warehouse

      Great customer service. Really clean and respectful. I would recommend this place to anyone looking for their first car. You can reach out to Kevin for any questions or concerns

    9. buy here pay here Chicago dealer review by Ave Horowitz

      Ave Horowitz rated The Auto Warehouse

      Started running this business location in 1998. Since the beginning I believed in taking care of my customers at all costs. I found doing business this way is actually a lot of fun:)

    10. buy here pay here Chicago dealer review by Senetta Scott

      Senetta Scott rated World Discount Auto

      My Car Owner Rick has some of the most beautiful cars around. I have been buying cars from him for years. His customer service is also great!

    11. buy here pay here Chicago dealer review by Josie Redmon

      Josie Redmon rated World Discount Auto

      Nice cars! I came all the way from South Bend, IN and I just bought a 2012 Chevy Malibu from here. Car is perfect, runs great, no problems. I have already recommended this place to several of my friends looking to buy. Name your payment price and the amount of time you want to pay it off and they will do it!

    12. buy here pay here Chicago dealer review by Krystal Banks

      Krystal Banks rated The Auto Warehouse

      I came to the Auto Warehouse after being denied by 5 other dealers. I came and worked with James Lopez, he studied my situation and he helped me get an amazing approval, and got a a very nice car!!! He heard me out and worked with what I had to put down, he wasn't being pushy and he explained everything very well. I highly recommend them.. 10 stars out of 10!!! Come check them out today, ask for James Lopez. He is honest and helpful

    13. buy here pay here Chicago dealer review by Nathan Edwards

      Nathan Edwards rated The Auto Warehouse

      Oh my God I don't know where to start Auto Warehouse have to be some of the nicest people that have some of the best deals in the nicest cars they make it super easy for you to walk out with a car they pretty much guarantee you if you come in there you're going to walk out with a nice car with low mileage I really don't understand how other car lots are even surviving with Auto Warehouse been alive make sure y'all stop in there Franco going to make sure y'all walk out the right way walk like us or get walked over #AUTOWAREHOUSE

    14. buy here pay here Chicago dealer review by Mary Hurmetian

      Mary Hurmetian rated Chicago Car Center

      I came here to inquire about buying a car and was pleased with the service I received. Elena was very knowledgeable about all the vehicles I was interested in buying which made my experience so pleasant and easy! I highly recommend business here. Will be coming back again in the future!

    15. buy here pay here Chicago dealer review by Jackie Alonzo

      Jackie Alonzo rated Chicago Car Center

      Per my mother and I, I can honestly say that Elena is a great Sales Manager. She is very polite to my mother and I. We paid off two vehicles from Chicago Car Center. The first time I meet Elena she made sure I drove off the lot with a smile. It’s always a pleasure doing business with Elena, she haves great customer service skills and fantastic way of showing how appreciative to see us smile due to our happiness of the vehicles we financed from Chicago Car Center. If we have any concerns Elena makes sure we stay satisfied customers. Elena and team has greets customer with respect, pleasure, and satisfies them to the up most. Thanks West Cermak Team for going above the call of duty! ????

    16. buy here pay here Chicago dealer review by anthony feliciano

      anthony feliciano rated Baha Auto

      At first I was skeptical of the dealer and their vehicles but this team while they may take their time to get you what you want if you’re patient they will definitely come through my 2017 Acura is everything I wished for and more still has manufactures warranty low miles and was also give gap insurance at a cost that wasn’t bad either extended warranties they got em too all in all I gotta give it to them they deal with a lot esp from impatient individuals like myself I realize their jobs aren’t as easy as I thought!! but they will keep their word and end of day that’s what matters most in today’s world solid people here I will definitely continue to do business with them again!!

    17. buy here pay here Chicago dealer review by Michelle Ortiz

      Michelle Ortiz rated Baha Auto

      I am so grateful for Baha for getting me the CHevy Equinox I needed for my family, and they worked with me for 4 days to make sure I have the approval. They were so kind to finance me with my own bank Capital One. Sending the lord's blessing to these fine people

    18. buy here pay here Chicago dealer review by Said Jawdat

      Said Jawdat rated CHICAGO CAR CONNECTIONS

      Great experience

    19. buy here pay here Chicago dealer review by Travis Edmonds

      Travis Edmonds rated CHICAGO CAR CONNECTIONS

      I love the place the staff are wonderful they best cat dealership I been to out of 48 years on this earth

    20. buy here pay here Chicago dealer review by Jesus Duran

      Jesus Duran rated S & M Auto Sales

      Excellent service and excellent vehicles, I buy a truck with them and the service was excellent and with great finance options

    BHPH Chicago IL dealer

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