Top 19 Buy Here Pay Here Dealers in Cleveland OH

Looking for a used car dealer in Cleveland OH but your credit is in bad shape?

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

  • North Coast Auto Mall – Cleveland, OH

  • Next Step Auto Sales, OH

  • ARJ’s Auto Sales, OH

  • Diversified Auto Sales LLC, OH

  • Tradewinds Motor Center Used Cars for Sale Cleveland OH Car Dealerships near me Bad Credit Auto Loan, OH

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

  • LAKE ERIE AUTO CREDIT, OH

  • Dealz Auto Trade, OH

  • Masters Auto Sales, OH

  • Byrider Cleveland, OH

  • Auto Expo USA III, OH

  • Did you know? These BHPH Cleveland OH 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 Cleveland 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.

  • Fastlane Automart Inc., OH

  • National Used Cars Inc, OH

  • American Auto Credit, OH

  • Patriot Auto Sales, OH

  • Power Auto Brokers, OH

  • The phrase buy here pay here Cleveland OH 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. Cleveland 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.

  • Byright Auto Sales, OH

  • Long Bros Car Co, OH

  • 199 Ohio Buy Here Pay Here, OH

  • Platinum Auto Trade, OH

  • Why buy here pay here Cleveland OH 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 Cleveland OH 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 Cleveland OH 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 Cleveland OH Works

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

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

    The buy here pay here Cleveland OH 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 Cleveland OH 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 Cleveland OH 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 Cleveland OH

    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 Cleveland OH

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

    While buy here pay here Cleveland OH 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 Cleveland OH 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.

    Cleveland OH buy here pay here Reviews

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

    1. buy here pay here Cleveland dealer review by Bailey Zech

      Bailey Zech rated North Coast Auto Mall – Cleveland

      If you come here you have to come see Cary, he was very informative and was able to get me apporved and out the door within a couple hours with my new car. This dealership in general was very good at keeping me up to date with my app status. Overall best experience ever!!!

    2. buy here pay here Cleveland dealer review by Jayme Ulichnie

      Jayme Ulichnie rated North Coast Auto Mall – Cleveland

      I worked with Leroy at North Coast Auto in Cleveland and my experience was wonderful. Leroy was able to get me into the SUV I wanted within 2.5 hours which was really fast! The process was very easy and everyone I worked with there was so helpful and knowledgeable. I did not feel pressured at all and I left feeling like I got a great deal (which I did)! I plan on keeping my new Ford Escape for years to come, but I will definitely go back when I need my next vehicle. If you are in the market for a vehicle, check out North Coast Auto and ask for Leroy, you won't be disappointed!

    3. buy here pay here Cleveland dealer review by Stephanie Nocera

      Stephanie Nocera rated Next Step Auto Sales

      I recently purchased a car from Next Step Auto, and couldn’t be happier with my experience! Everything from initial contact, follow through, negotiation, trade in, and purchase of my new car was executed flawlessly. They offered me a fair amount for my trade, and were honest throughout the whole experience and didn’t use any tactics to bait and switch. Definitely would recommend and would purchase from them in the future. Thanks Steve, Matt, and Mike!

    4. buy here pay here Cleveland dealer review by Charles TODD

      Charles TODD rated Next Step Auto Sales

      Excellent staff and facility!! Great selection of vehicles along with Great Financing

    5. buy here pay here Cleveland dealer review by Mark Coleman

      Mark Coleman rated ARJ’s Auto Sales

      This place is awesome, it was a true pleasure working with them. They all took really good care of me. And now my girlfriend and I don’t have to share a car. I highly recommend if your looking for a car/truck/ or SUV make sure this is your first start. I’ll be reaching out to them real soon to purchase a truck. Thanks for everything to all the people over there.

    6. buy here pay here Cleveland dealer review by Aaron Chisolm

      Aaron Chisolm rated ARJ’s Auto Sales

      If you want avery reliable vehicle at a good price,this is the only place you should go,ask for Brian

    7. buy here pay here Cleveland dealer review by Greg Merrill

      Greg Merrill rated Diversified Auto Sales LLC

      Diversified Auto Sales hooked me up! Both my sales guy Vega and the sales manager were very helpful working with my bank and with myself who lives 5 hours away from the dealership. Talking me through a lot of stuff (only second time buying from a dealer/financing) car is in excellent condition and rides like a dream! If something catches your eye, defiantly worth giving them a call! Thanks again guys!

    8. buy here pay here Cleveland dealer review by Michael Bailey

      Michael Bailey rated Diversified Auto Sales LLC

      Appreciate Amanda and DAS! Worth the trip from Jersey

    9. buy here pay here Cleveland dealer review by Nate Walker

      Nate Walker rated Tradewinds Motor Center Used Cars for Sale Cleveland OH Car Dealerships near me Bad Credit Auto Loan

      Rachel was very professional and answered every question that I asked her with confidence. She was not pushy which I thought was another positive attribute to her salesmanship. I will definitely tell other family members and friends. Thank you

    10. buy here pay here Cleveland dealer review by Erica George

      Erica George rated LAKE ERIE AUTO CREDIT

      Robbie was awesome. This will be my second purchase with Lake Erie. They have always been awesome with working with me on repairs. Highly recommend.

    11. buy here pay here Cleveland dealer review by tiashara armstrong

      tiashara armstrong rated LAKE ERIE AUTO CREDIT

      Antwaun is a great car salesman. Helped me get into a vehicle when I needed it the most. I highly recommend him and this dealership.

    12. buy here pay here Cleveland dealer review by Ashley Davis

      Ashley Davis rated Dealz Auto Trade

      Went here to get a vehicle and the experience was amazing I wish all car lots where like this. Kim's had the best customer service and was very polite and helpful. Got my car I'm so excited to be with dealz auto trade thanks

    13. buy here pay here Cleveland dealer review by G Alpha Davenport

      G Alpha Davenport rated Dealz Auto Trade

      I found the car I needed for a great price . Friendly staff.

    14. buy here pay here Cleveland dealer review by Bobby Myers

      Bobby Myers rated Masters Auto Sales

      I came into Masters auto sales looking for a luxury car with a clean history and I got just what I was looking for. The staff was more than helpful and transparent with me and walked me through every step of the process. Everything was clean cut and to the point. We closed the deal within a couple hours. Great service and great cars. I highly recommend Masters auto sales for purchasing a car without headaches.

    15. buy here pay here Cleveland dealer review by Pierre Chelala

      Pierre Chelala rated Masters Auto Sales

      Serving Northeast Ohio since 1986.

    16. buy here pay here Cleveland dealer review by chris barkley

      chris barkley rated Byrider Cleveland

      I walk into Byrider on Lorain ave. and they me feel like family. Pete and Robert help get into the car I wanted and love.They really want me to Happy and I to graceful!! One and All go there and you will see!!

    17. buy here pay here Cleveland dealer review by Bishop, W. F. Houston, Jr.

      Bishop, W. F. Houston, Jr. rated Byrider Cleveland

      This is my wife and I 3rd vehicle from J.D Byrider. The experience was great this time!!! The personnel at the Loraine Ave. location are very professional, friendly, and just plain GOOD!!! Tracy, Tisa, and Amy are awesome. And the Vehicle has been a joy to drive - We have never left the lot unsatisfied. If you are looking for a great car experience the Loraine Ave. car lot is the one to visit. Ask for Tracy you want be sorry you did. Tracy and Tisa is very knowledgeable and will do everything they can to get you into a great vehicle. Amy in CNAC Finance is very knowledge and straight to the point and will help you with financing. There is just not enough great words I can say about this dealership.

    18. buy here pay here Cleveland dealer review by Norell Peterman

      Norell Peterman rated Auto Expo USA III

      I came in just to browse, as this was my first time buying a car, and I was met with kindness. Neil offered me an unbelievable deal for a truck that was worth way more. Gary was amazing, and very polite as well. I came in just to look, but I was sold with kindness. Looking forward to working with these guys in the future.

    19. buy here pay here Cleveland dealer review by nicky collins

      nicky collins rated Auto Expo USA III

      This dealership is one of the few that live up to their word, I bought a car and found out it had an major issue. Since I had just recently bought the car the Owner paid the expenses to get it fixed. Gary and Neil are honest, humble people who truly care about making customers happy. I would recommend this dealership anyday!

    20. buy here pay here Cleveland dealer review by Renina Black

      Renina Black rated Fastlane Automart Inc.

      They treated me very well and I really enjoyed my experience with this dealership. When I first called, Ricka made me feel like “this is definitely my first stop!” After being there I didn’t have to go anywhere else to look for a vehicle. Thanks Mo and everyone at fast Lane ?

    21. buy here pay here Cleveland dealer review by David Gundich

      David Gundich rated Fastlane Automart Inc.

      Great personal will try to work with you to get you a car

    22. buy here pay here Cleveland dealer review by Hamza Alnadi

      Hamza Alnadi rated National Used Cars Inc

      This place is amazing. If your looking for a great car at a great price, this is the place to be. The service is also amazing. They’re patient and will go out of their way to help you. I highly recommend this place

    23. buy here pay here Cleveland dealer review by Google User

      Google User rated National Used Cars Inc

      Good experience. Great communication.

    24. buy here pay here Cleveland dealer review by SHAYLA WRIGHT

      SHAYLA WRIGHT rated American Auto Credit

      Great place , would highly recommended!!! They real professional and have great cars for even better prices! Best car place hands down , and they got a full service shop!

    25. buy here pay here Cleveland dealer review by Olga Rasner

      Olga Rasner rated American Auto Credit

      i had great experience, good people, very well priced

    26. buy here pay here Cleveland dealer review by Deborah Lewis

      Deborah Lewis rated Patriot Auto Sales

      Great place to buy a used car. Personal is friendly service is reliable. I highly recommend this dealership. Affordable for anyone looking to buy a vehicle.

    27. buy here pay here Cleveland dealer review by Lavenia Defranco

      Lavenia Defranco rated Patriot Auto Sales

      I had a very great experience. The customer service was excellent and Chuck is a great and personable salesman I recommend them highly!!

    28. buy here pay here Cleveland dealer review by William Holloway

      William Holloway rated Power Auto Brokers

      On Google posting, 9 times out of 10, people who leave nasty reviews with no profiles are not influencing anyone. I am now in position to make a deal for a cheap used vehicle. They are close and I could walk there. I've heard and seen good things said about them by people who have reputations going back years here. This is one of the good Old Brooklyn businesses.

    29. buy here pay here Cleveland dealer review by J T

      J T rated Power Auto Brokers

      Great selection. Affordable prices. They make it easy to finance your next car.

    30. buy here pay here Cleveland dealer review by Ana Rice

      Ana Rice rated Byright Auto Sales

      I went to ten other car lots all were basically rushing me into buying lemons. Byright is by far the Absolute best place I’ve ever came across I love my new 2014 Kia Forte! Great car great price if you want a car come here! Tommy is the absolute best ( both Tommy’s)!! Couldn’t have got a better car for a better deal anywhere else they do not rush you , make sure u love your new car and had no problems working with my budget!

    31. buy here pay here Cleveland dealer review by Chris Hansen

      Chris Hansen rated Byright Auto Sales

      Got my 2005 WRX here. Went smooth and I'm very satisfied with their business. Thanks Stephanie and Tommy

    32. buy here pay here Cleveland dealer review by Royal Barton

      Royal Barton rated Long Bros Car Co

      Great experience buying my Impala here, awesome staff very friendly and helpful, made the process easy

    33. buy here pay here Cleveland dealer review by Donna Wiliams

      Donna Wiliams rated Long Bros Car Co

      I made 2 trips to this dealership and I couldn't be happier. Jim treated me very well. Took very good care of my wants and needs. I recommend this dealership . I will be going back.

    34. buy here pay here Cleveland dealer review by jr ponce

      jr ponce rated 199 Ohio Buy Here Pay Here

      Amazing, only 199 down and with my Repos lol, it is legit.

    35. buy here pay here Cleveland dealer review by Anytime Accessories

      Anytime Accessories rated Platinum Auto Trade

      The owner Z is "THE BEST"! He helped me out tremendously when I was looking for a vehicle. His asking downpayments are very reasonable and the monthly payments are exceptionally affordable. I can't speak on his financing terms because I was a buy here pay here (BHPH) customer. I can highly recommend Platinum Auto Trade if you are looking for a vehicle. His cars are rust free and have low miles!

    BHPH Cleveland OH dealer

    Hope you like our list of buy here pay here Cleveland OH dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.