Top 19 Buy Here Pay Here Dealers in Clearwater FL

Looking for a used car dealer in Clearwater FL but your credit is in bad shape?

Connect with top 19 buy here pay here Clearwater FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Clearwater'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 Clearwater FL

  • Superior Auto Source, FL

  • DriveTime Used Cars, FL

  • DriveTime Used Cars, FL

  • US Auto Sales, FL

  • Vip Auto Group, Inc., FL

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

  • Enterprise Car Sales, FL

  • P.J.’s Auto World Classics, FL

  • Regal Cars of Florida / Clearwater Hybrids, FL

  • USA Cars, FL

  • P J’s Auto World-Classics, FL

  • Did you know? These BHPH Clearwater FL 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 Clearwater 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.

  • Dynamic Motors, FL

  • Land & Sea Motors Inc, FL

  • Fitzgerald Used Car Outlet Center Clearwater, FL

  • Yancar’s Used Cars Inc, FL

  • PJ’s Auto World, Inc., FL

  • The phrase buy here pay here Clearwater FL 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. Clearwater 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.

  • Florida Auto Exchange, FL

  • Hertz Car Sales Clearwater, FL

  • Donny Mills Auto Sales, FL

  • J Linn Motors, FL

  • Why buy here pay here Clearwater FL 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 Clearwater FL 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 Clearwater FL 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 Clearwater FL Works

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

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

    The buy here pay here Clearwater FL 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 Clearwater FL 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 Clearwater FL 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 Clearwater FL

    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 Clearwater FL

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

    While buy here pay here Clearwater FL 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 Clearwater FL 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.

    Clearwater FL buy here pay here Reviews

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

    1. buy here pay here Clearwater dealer review by Fairy Queen

      Fairy Queen rated Superior Auto Source

      These guys are amazing. We found our sons car. Very professional, straightforward, and honest. We have never had such an amazing experience. We are soooooo happy about our new vehicle purchase for our son. Car is in great condition and we are very Happy Customer. And personally as a professional business owner these guys are top notch. I am greatly impressed and feel so blessed that we have come here. We will be back here to get our new car in a couple of months.

    2. buy here pay here Clearwater dealer review by Monica Grace

      Monica Grace rated Superior Auto Source

      Tom made the whole car searching/buying process very easy and frustration-free. No fuss, very straight forward, and accommodating. My husband is excited about the great car we got, and even more so, the awesome deal that we got! We came from about 2 hours away to do business here, and we are extremely glad that we did. Tom is a pleasure to work with, and thanks to Superior Auto Source for the great car!

    3. buy here pay here Clearwater dealer review by Katie Kelly

      Katie Kelly rated DriveTime Used Cars

      This place is fantastic! I've never purchased a car before so I had many questions. Paul was so kind and so patient with us! All of the cars that we were shown fit all of our needs, so it was hard to get our choice down to one! We picked the Chrysler Town and Country! They work with credit and they give a fair chance to everyone! Love love love.

    4. buy here pay here Clearwater dealer review by Dawn Mckenna

      Dawn Mckenna rated DriveTime Used Cars

      The wait sucks as usual BUT the staff here make it enjoyable. Chris Cox was very pleasant and down to earth which made me very comfortable. After a couple bad situations with the past cars(dealerships) this place was a breath of fresh air.

    5. buy here pay here Clearwater dealer review by Margaret Heim

      Margaret Heim rated DriveTime Used Cars

      Efficient, friendly, honest - from the moment we walked in to the moment we left with a new car. The process of car buying is explained simply and effectively and left me feeling - as someone who’s bought numerous cars through the decades - highly confident in my purchase. I’ve rarely had that experience. If you want excellence, please see Dave Fitzwater! Thank you Dave and thank you Drive Time!!

    6. buy here pay here Clearwater dealer review by Brandon Hutchison

      Brandon Hutchison rated DriveTime Used Cars

      Extremely smooth process. David made sure I explored my options to find the best fit for me, and was very patient and kind. I would recommend that anyone in the market for a used car stop by DriveTime to take a look at what they have to offer.

    7. buy here pay here Clearwater dealer review by Antwan Hunter

      Antwan Hunter rated US Auto Sales

      Just want to say CRYSTAL was amazing. She knew my situation with my old car, contacted me first thing in the morning, had my approval by noon and had me rolling by 6 (would had been sooner but I was at work). Crystal's dedication and positive attitude led me to getting the vehicle I wanted in no time. I enjoyed the her customer service more than getting my new car, but the new is the icing on the cake. Highly recommend Crystal as the go to sales woman at USA Auto Sales. Everyone was great from management and down. Their attitude and attention to detail was the most enjoyable I ever had buying a new car. Crystal positive attitude excels any customer service experience you will have.

    8. buy here pay here Clearwater dealer review by Lisa Pratt

      Lisa Pratt rated US Auto Sales

      Nelly was awesome! She got me the best possible deal, made sure I understood everything and helped me through the whole car buying process. I would recommend Nelly and US Auto Sales for anybody who needs a great reliable car at a great price!

    9. buy here pay here Clearwater dealer review by James J

      James J rated Vip Auto Group, Inc.

      The vehicle I had purchased was in pristine condition, had low mileage, and was very well maintained. There was no haggling or pressure because the vehicle was such a good deal. Albert was great working through the numbers to keep my monthly payments manageable. I would highly recommend checking him out the next time you are in the market for a used vehicle. Very pleased with this purchase and look to drive this vehicle for a long time.

    10. buy here pay here Clearwater dealer review by Robert Saletnik

      Robert Saletnik rated Vip Auto Group, Inc.

      Best place to buy a used car these guys are extremely honest and have nice and well-maintained vehicles

    11. buy here pay here Clearwater dealer review by sea shell 0714

      sea shell 0714 rated Enterprise Car Sales

      Great experience start to finish. Michael went the extra mile to find us the perfect vehicle. Extraordinary customer service! Jesse, Boris, Allison and Jordan were awesome in getting everything ready for us to make the purchase quick and easy! Highly recommend this team and dealership. Really happy with our new vehicle!

    12. buy here pay here Clearwater dealer review by Michelle Ohnemus

      Michelle Ohnemus rated Enterprise Car Sales

      This was a great place! We go to Clearwater several times a year and have gone to other locations but this is by far the best!! We will be going back again! Very friendly helpful staff, good experience!

    13. buy here pay here Clearwater dealer review by Shawney Spicer

      Shawney Spicer rated P.J.’s Auto World Classics

      The food is great!! Love. Love. Love.. Atmosphere is welcoming. You can still have conversations an still enjoy the music too. We had a great time.. The cost is even affordable. Especially for the amount of food you get.

    14. buy here pay here Clearwater dealer review by Romuald Pinsard

      Romuald Pinsard rated P.J.’s Auto World Classics

      A such place. Cars are in great condition. Boss and his team are very nice. 64 convertible mustang that I bought, fas in great condition.

    15. buy here pay here Clearwater dealer review by Bob Hughes

      Bob Hughes rated Regal Cars of Florida / Clearwater Hybrids

      Excellent customer service and warranty. Bought a Highlander hybrid and 3 days later the ABS Pump went out. Gary replaced it with no hassle. The Highlander runs great. I would buy a vehicle here again.

    16. buy here pay here Clearwater dealer review by Henry Keiler

      Henry Keiler rated Regal Cars of Florida / Clearwater Hybrids


    17. buy here pay here Clearwater dealer review by Peter Maduri

      Peter Maduri rated USA Cars

      Great guys to deal with. Sent me several emails with info I requested about the 2019 truck I was interested in. Always answered the phone and was able to get answers to my questions. Gave me a nice truck and a drastically reduced price compared to other dealers, and picked me up at the airport to get it. Truck was washed and waxed upon arrival and ready to go, drove it all the way to NY with no problems at all. Highly recommend, will buy from them again, AAA+.

    18. buy here pay here Clearwater dealer review by -GQ- S.

      -GQ- S. rated USA Cars

      Great people. Nice cars.

    19. buy here pay here Clearwater dealer review by Thomas Bakke

      Thomas Bakke rated P J’s Auto World-Classics

      Beautiful cars. Some refurbished. Some original. All in mint condition. Passionate staff. Great collection of some of the all time classics.

    20. buy here pay here Clearwater dealer review by Jan Halaxa

      Jan Halaxa rated P J’s Auto World-Classics

      I had a very pleasant chat with the owner although I wasn't potentially buying nor selling any car. Got a free magazine and some tips related to classic cars in Tampa.

    21. buy here pay here Clearwater dealer review by Gaston Escamez

      Gaston Escamez rated Dynamic Motors

      Best team to work with! Friendly, helpful, excellent deal on a fantastic truck for my family. I could not be happier with the service we received. Mike is exceptional in his truck/car knowledge and assisting with the very best vehicle for us! Highly recommend

    22. buy here pay here Clearwater dealer review by Antonio Johnson

      Antonio Johnson rated Dynamic Motors

      I was in the market searching for a car and happened to find a car that Aaron chicco posted. I contacted him about the car and told him I was out of state due to thanksgiving. He held the car for me until I got back. He provided the best customer service when I got there. Gave me a great deal way under the price value. Go see Aaron the best sales man ever

    23. buy here pay here Clearwater dealer review by Jolene Mize

      Jolene Mize rated Land & Sea Motors Inc

      Got my car there, 8 months in so far so good

    24. buy here pay here Clearwater dealer review by Capt Matt Bruce

      Capt Matt Bruce rated Land & Sea Motors Inc

      Dave and his Sons have always treated me fairly! If you need a car or truck and your credit's NIT so hit. This is the place to go. $500 down is all it takes to get started...

    25. buy here pay here Clearwater dealer review by Abel Rosario

      Abel Rosario rated Fitzgerald Used Car Outlet Center Clearwater

      Awesome experience here! Christian Q was a great salesman. Low pressure, very understanding, very personal and easy to work with. All that we were looking for! The night that we decided to go a seal the deal with the car we wanted, the servicing department was already closed for the day but he went ahead and washed the car himself and got it all ready before giving it to us! Really satisfied with everything that they did. Highly recommend checking them out.

    26. buy here pay here Clearwater dealer review by Sarah Powers

      Sarah Powers rated Fitzgerald Used Car Outlet Center Clearwater

      After many weeks of searching for a car finally pulled into Fitz used auto. Chet listened to what we were looking for and we fell in love with the first car he showed us! He certainly knew what we were looking for. Everyone that has seen our car say they can't believe we got such a fantastic car at such a great price! I have already reccomended Fitz to all my family and friends :)

    27. buy here pay here Clearwater dealer review by Timothy Lindell

      Timothy Lindell rated Yancar’s Used Cars Inc

      Vinnie treats you well.

    28. buy here pay here Clearwater dealer review by Vicent Yancar

      Vicent Yancar rated Yancar’s Used Cars Inc

      Great place to buy lowest prices in Pinellas county

    29. buy here pay here Clearwater dealer review by Evelyn Turton

      Evelyn Turton rated PJ’s Auto World, Inc.

      This is my 4th car from pj’s and I love it

    30. buy here pay here Clearwater dealer review by John Guthrie

      John Guthrie rated PJ’s Auto World, Inc.

      Excellent people to buy a car from great deal great Arrangements thank you guys!

    31. buy here pay here Clearwater dealer review by Heidi Bartolomeo

      Heidi Bartolomeo rated Florida Auto Exchange

      Really friendly staff. I wasn't sure if I would be able to get this done but Ryan & the management team made it work & I was able to get the car/SUV I not only wanted but was super excited to get! Thank you so much Ryan for all your help & hard work not to mention showing up on your day off to get all the paperwork done ?? I can't thank you enough! As well as the Management team thanks so much for everything.

    32. buy here pay here Clearwater dealer review by Anthony Spooner

      Anthony Spooner rated Florida Auto Exchange

      Paula was wonderful, help us once we got there, and the first car we looked at was the one for my fiance and I. Paula gave us amazing prices. Will definitely be the place I get my 2nd car!!

    33. buy here pay here Clearwater dealer review by Lindsey Schwemmin

      Lindsey Schwemmin rated Hertz Car Sales Clearwater

      I'm very happy with my experience at Hertz. Salesman Mike Mancini made it the least painful car buying experience I've been a part of. It took about 2 hours for the whole transaction. No pressure to buy, and helped us make an educated decision. They were able to match my credit union's loan rate with an associated lender, which I was very happy with. On top of the buying experience, they replaced my battery when it failed a month later when they had no obligation to do so. Thanks to manager Mike Stevens.

    34. buy here pay here Clearwater dealer review by Janos Zsoter

      Janos Zsoter rated Hertz Car Sales Clearwater

      Very good place and great service.

    35. buy here pay here Clearwater dealer review by Kathryn Miller

      Kathryn Miller rated Donny Mills Auto Sales

      This entire experience was excellent! I got there and was shown the exact car I wanted in my exact price range. They were extremely upfront about every detail about the car and helped me in every way. They are personable, honest, and really easy to work with. During my time ringing up the car they made sure I was comfortable and taken care of. 10/10 would go back

    36. buy here pay here Clearwater dealer review by Jessica ONeal

      Jessica ONeal rated Donny Mills Auto Sales

      No pressure, Great customer service, Great price for a great car ? Thank you ?

    37. buy here pay here Clearwater dealer review by Jimmie Gibson

      Jimmie Gibson rated J Linn Motors

      I needed a secondary car/truck. I found one online here, at J Linn Motors. Went in and I was immediately greeted by Fred. A wonderful and caring individual who was all about you. I told him I liked the truck and he immediately got the keys and said take it for a ride. Once I decided to purchase it, we went into the office and he set up everything. The buying process was a breeze. We negotiated a little bit and it was fun. I got what I wanted and he got what he wanted. I just may go back for another daughter will be driving soon (uggg). I met a few other personnel while I was there and they were all great. If you need a used car or truck and want a great buying experience, make your way to J Linn motors.

    38. buy here pay here Clearwater dealer review by Gardy Modl

      Gardy Modl rated J Linn Motors

      They were Friendly and Honest. Will definitely get more vehicles from them

    BHPH Clearwater FL dealer

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