Top 16 Buy Here Pay Here Dealers in Colorado CO

Looking for a used car dealer in Colorado CO but your credit is in bad shape?

Connect with top 16 buy here pay here Colorado CO car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Colorado'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 Colorado CO

  • Street Smart Auto Brokers, CO

  • Mike’s Auto Inc., CO

  • Preferred Preowned, CO

  • D1 AUTO CREDIT, CO

  • NORTHERN COLORADO AUTO SALES, CO

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

  • Colorado Auto, CO

  • Adventure Auto Sales, CO

  • Springs Automotive Group Denver, CO

  • Phil Long ValuCar of Academy, CO

  • Rocky Mountain Auto Brokers, CO

  • Did you know? These BHPH Colorado CO 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 Colorado 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.

  • Econo Auto Sales, CO

  • Mark’s Auto Sales Inc, CO

  • Sam’s Automotive, CO

  • Happy Motors, CO

  • Mister Auto, CO

  • The phrase buy here pay here Colorado CO 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. Colorado 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.

  • Hertz Car Sales Colorado Springs, CO

  • Why buy here pay here Colorado CO 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 Colorado CO 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 Colorado CO 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 Colorado CO Works

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

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

    The buy here pay here Colorado CO 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 Colorado CO 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 Colorado CO 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 Colorado CO

    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 Colorado CO

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

    While buy here pay here Colorado CO 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 Colorado CO 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.

    Colorado CO buy here pay here Reviews

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

    1. buy here pay here Colorado dealer review by Sarah Torrescano

      Sarah Torrescano rated Street Smart Auto Brokers

      The crew at Smart Street Auto Brokers are amazing!! It was so easy to get into a vehicle there.They work with you on financing, the cars are newer and clean as a whistle.Austin is great! Very knowledgeable about both vehicles and financing. No one there is pushy. Again great customer experience.

    2. buy here pay here Colorado dealer review by Aaron Flippin

      Aaron Flippin rated Street Smart Auto Brokers

      Rory is easily the best car salesperson in Colorado Springs. I came in looking for a specific car, when we got there I explained why I liked that specific car and Rory showed me another car they had just gotten in that stole my heart. It was ridiculously affordable too! 10/10, would absolutely buy from Rory again!

    3. buy here pay here Colorado dealer review by Alisha Bean

      Alisha Bean rated Mike’s Auto Inc.

      I am very happy with my experience with Mikes auto. We have had bad luck with purchasing vehicles with issues and they went above and beyond helping us to feel comfortable with the truck we bought. Doing additional testing upon my request and fixing the brake pads. I highly recommend this place and feel they are honest and care to take the time to take care of their customers.

    4. buy here pay here Colorado dealer review by Faith Miller

      Faith Miller rated Mike’s Auto Inc.

      Everyone there is very kind and more than willing to help. If you need a car, Mike’s Auto will be sure to help you find the perfect one.

    5. buy here pay here Colorado dealer review by Heather Robinson

      Heather Robinson rated Preferred Preowned

      I was impressed with this dealership. Zach went above and beyond for me. I test drove a car that I liked but was out of my price range. I was set on a specific make and model of car, making my search difficult. Zach listened to my specific car request but he also listened to why I wanted that particular car. I got a text from him a couple of days later. He had searched the inventory of Dealing Doug stores and found a comparable car of a different make and model that was priced to sell at a sister store in Denver. He picked up the car and drove it back to the Springs for me to try and it is now mine. After test driving I had two complaints about the car. One issue was fixed while I was completing the paperwork and they promptly called me the next business day to schedule the other fix. Everyone I dealt with was professional and friendly and I now have a car that I love for the low end of my budget. I highly recommend Preferred Preowned and ask for Zach.

    6. buy here pay here Colorado dealer review by Carrie C

      Carrie C rated Preferred Preowned

      Flew from St. Louis, MO to buy a Jeep. Zach was extremely helpful and made the entire car buying process a breeze. Dwayne in the service department was extremely knowledgeable and even had the Jeep looked over before I purchased it. Traveling to another state to buy a vehicle seems crazy, but Zach and the rest of Preferred made the entire experience enjoyable and easy!

    7. buy here pay here Colorado dealer review by Ashley Pacheco/Reid

      Ashley Pacheco/Reid rated D1 AUTO CREDIT

      I never thought it would be possible to purchase a nice reliable car i have been turned down so many times from other places so i decided to take one more chance and wow all the possibility i was looking at the staff here was super friendly explained everything to me so i could understand and if i didn't understand they would take the time to explain it in ways so i did understand they worked with me on building a financial plan that works for me and really pushed for me to get approved they were honest with me and never made me feel pressured in to anything couple hours later i was driving away in a dream that never thought would come true they truly care about you it was a great experience and i recommend this place to everyone

    8. buy here pay here Colorado dealer review by Michelle Shinn

      Michelle Shinn rated D1 AUTO CREDIT

      Bought two cars from them over the past four years. Loved both cars. Now I'm planning on getting a truck.

    9. buy here pay here Colorado dealer review by Hunter DePriest

      Hunter DePriest rated NORTHERN COLORADO AUTO SALES

      The guy here really knows his stuff. He carries mostly trucks but it's important to get the right truck to fit your needs. He was really helpful in being honest with us and telling us what we needed to hear, not what we wanted to hear. Prices are reasonable. We didn't end up buying here, but this is the only dealership in town that I went to that I would feel comfortable buying a used truck from. Highly recommend!

    10. buy here pay here Colorado dealer review by Pam Uehran

      Pam Uehran rated NORTHERN COLORADO AUTO SALES

      I bought a very reasonably priced used 99 jeep wrangler for my son who lives in Nebraska to use as a commuter vehicle. Jake was great to work with as my son didn't pick up his certified letter containing the paperwork for registration and Jake issued an additional temp tag and then resent the paperwork :) The jeep had almost 100k on it and I was leary about purchasing it with that mileage but the mechanic said it was sound and 11 months later no issues...satisfied I made the purchase!

    11. buy here pay here Colorado dealer review by Natasha Wright

      Natasha Wright rated Colorado Auto

      Purchased this car after a rough time with a repossession, they took care of me and I love my lil egg!?

    12. buy here pay here Colorado dealer review by felina ramirez

      felina ramirez rated Colorado Auto

      Colorado auto is an amazing car dealership. If you ever want a reliable car this is the place to go. I have bought three cars from them, and never had a problem with my cars. Thank you to everyone that works their. They are always so nice, and are the most understanding car dealership. Thanks again Colorado auto.

    13. buy here pay here Colorado dealer review by Ricci Lasco

      Ricci Lasco rated Adventure Auto Sales

      Easy to work with. Very nice. I feel like it is a great deal for the car I got!

    14. buy here pay here Colorado dealer review by William C. Heaney

      William C. Heaney rated Adventure Auto Sales

      Best people ever. Buy your next car here.

    15. buy here pay here Colorado dealer review by Felicia Paz

      Felicia Paz rated Springs Automotive Group Denver

      My 18 year old daughter went in on her own to buy her 1st car, and I did not feel that she got a good deal. I felt the car was overpriced but, she's young and just didn't know any better. However, I went in with her the next day and Shana Haines worked with us and made right! ? I can honestly say, this is a stand up place and because they made right, I would definitely recommend them and will likely go back when it's time to purchase a vehicle for my son. Thumbs up to Springs Automotive Group Denver ???

    16. buy here pay here Colorado dealer review by Fred Ceasar

      Fred Ceasar rated Springs Automotive Group Denver

      Rob down at service is beyond amazing. He is very understanding and helping and no matter will always do what he can to help. I will definitely go back

    17. buy here pay here Colorado dealer review by Nick Morris

      Nick Morris rated Phil Long ValuCar of Academy

      Kalib was great at getting me EXACTLY what I wanted and going out of his way at making sure I was happy with the deal that was made. Thank you Kalib for helping me with getting an awesome ride

    18. buy here pay here Colorado dealer review by Lonnie Terry

      Lonnie Terry rated Phil Long ValuCar of Academy

      This store is incredible! Helped a friend find a new Subaru here, and gotta say, I was pretty impressed. Not only was the sales guy John super helpful, but the manager Jeremy helped to get things in the right place to make this a perfect buy. Even the finance manager, Cliff, was as friendly and honest as they come. If you want a good car, for a better price, with no issues; then Phil Long ValuCar of Academy is the place to go. I will actually be going back in the next couple of weeks to purchase a car for myself!

    19. buy here pay here Colorado dealer review by Jeremy Jeffery

      Jeremy Jeffery rated Rocky Mountain Auto Brokers

      Caleb Young did an outstanding job getting my son into his first vehicle. He worked with me on finding the best car and the right price. Caleb also took his time and had the vehicle checked out making sure any issues were clearly resolved or noted. This is my second vehicle to buy from Caleb because his honesty and integrity are unmatched. I would recommend buying a car from him and the dealership again.

    20. buy here pay here Colorado dealer review by Alysia Saarela

      Alysia Saarela rated Rocky Mountain Auto Brokers

      What a great experience from beginning to end! I had Caleb for a salesman and you couldn't ask for better customer service! I highly recommend you go see these people they help you out even if you're not buying the most expensive vehicle. I will be coming back when I trade this car in :-)

    21. buy here pay here Colorado dealer review by Michael Butts

      Michael Butts rated Econo Auto Sales

      I would like to thank Wes and Ali for their amazing work ethic and patience. The selection of vehicles in multiple price ranges was excellent. They're honest about their vehicles' condition and helped narrow down my choices with my field of work and commute in mind. Excellent, honest and fair. All I can recommend is to be prepared with your documents so you can make everything go smoothly.

    22. buy here pay here Colorado dealer review by Eric Storms

      Eric Storms rated Econo Auto Sales

      Brought our daughter here to purchase a car. Had a good down payment and was able to easily finance the balance. Service was quick and straightforward. Had a large section of cars in her price range (which was low). No up-selling or pressure. Definitely recommend!

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

      Google User rated Mark’s Auto Sales Inc

      This was by far the best experience in looking for a car. Curtis helped me and was the best. He was patient in my search. I will most definitely recommend friends and family to Mark's Auto Sales.

    24. buy here pay here Colorado dealer review by KING AMA

      KING AMA rated Mark’s Auto Sales Inc

      Mark's Auto Sales is by far the best buy here pay here dealership ive ever been too Danny and Jon help me out the most even Mark himself made sure i was happy with the vehicle i got approved for Treated me like family for sure this is going to be the place i buy my cars from for here on out

    25. buy here pay here Colorado dealer review by Nicholas Stef

      Nicholas Stef rated Sam’s Automotive

      This is a great place to buy a car. They gave me great customer service and a great deal on the car. Absolutely would recommend this place.

    26. buy here pay here Colorado dealer review by caro tx

      caro tx rated Sam’s Automotive

      I had a great experience at Sam‘s I felt very supported and 0 pressure shopping for a car. They had great knowledge and Tipps for me and I ended up buying a car and it was very easy and again they explained all details and I am happy with the car!

    27. buy here pay here Colorado dealer review by StarShadow

      StarShadow rated Happy Motors

      I am so happy with my Honda CRV. AWD Yes it has high miles however it was very well taken care of and it is very mechanically sound I must have saved about $4,000 on it. great customer service. I am so happy they worked with me to help me so much to get into this car of my dreams and I am so appreciative of it and I recommend this dealership to anyone who's searching for a quality used car. check these guys out first

    28. buy here pay here Colorado dealer review by Michelle A

      Michelle A rated Happy Motors

      This was the best car shopping experience I’ve ever had!! Robert was tremendously helpful. From start to finish he was assuring. I walked away with a good car considering my credit history and down payment. I’m definitely looking forward to coming back and doing business with them again.

    29. buy here pay here Colorado dealer review by Nallely Morelos

      Nallely Morelos rated Mister Auto

      I’ve gotten 5 cars from mister auto over the years and not once have I been disappointed. They are all so helpful and never once have I had a bad experience thank you guys for always helping us out and getting us the best interest available!! We appreciate all of you

    30. buy here pay here Colorado dealer review by Barbara Shecter

      Barbara Shecter rated Mister Auto

      The staff who helped us were all extremely friendly and helpful in taking care of us and preparing the car we chose. The interaction with them was enjoyable with NO pressure and fair dealing. They fixed 2 small issues with the car on the spot and took care of a third one that we didn't even see as a problem! We felt very good about our experience and would be pleased to recommend them to others.

    31. buy here pay here Colorado dealer review by Ess Essen

      Ess Essen rated Hertz Car Sales Colorado Springs

      Awesome experience! I'm glad my wife and I came here to purchase a car and the sales team and Tyler the finance manager were very quick and made the purchase quick and efficient. I have purchased many cars and this was by far the best and they have the best prices on Vehicle Service Contracts! It's around half what I've paid at other places for the same protection. Very thrilled will come back for sure! And recommend the protection plan!

    32. buy here pay here Colorado dealer review by Brian

      Brian rated Hertz Car Sales Colorado Springs

      John was excellent to work with and made the transaction smooth and easy. I highly recommend him!!! AAA+++

    BHPH Colorado CO dealer

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