Top 19 Buy Here Pay Here Dealers in Columbia MO

Looking for a used car dealer in Columbia MO but your credit is in bad shape?

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

  • DriveTime Used Cars, SC

  • Godwin Motors Inc, SC

  • Columbia Auto Center, SC

  • American Car Center – Columbia, SC, SC

  • Love Chevrolet Company, SC

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

  • Payless Car Sales, SC

  • DRIVESMART, SC

  • Byrider Columbia, SC

  • Capital City Rides, SC

  • Bluff Road Auto Sales, SC

  • Did you know? These BHPH Columbia MO 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 Columbia 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.

  • Capital Car Sales of Columbia, SC

  • K O Enterprises of Columbia, SC

  • Unique Auto Sales Columbia, SC

  • US Auto Sales, SC

  • USA Auto Sales, SC

  • The phrase buy here pay here Columbia MO 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. Columbia 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.

  • Capital City Auto Sales, SC

  • United Auto Sales, SC

  • Hott Cars Inc, SC

  • Broome Auto Sales, SC

  • Why buy here pay here Columbia MO 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 Columbia MO 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 Columbia MO 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 Columbia MO Works

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

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

    The buy here pay here Columbia MO 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 Columbia MO 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 Columbia MO 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 Columbia MO

    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 Columbia MO

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

    While buy here pay here Columbia MO 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 Columbia MO 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.

    Columbia MO buy here pay here Reviews

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

    1. buy here pay here Columbia dealer review by Robert Taylor

      Robert Taylor rated DriveTime Used Cars

      I am very happy to have visited Drive Time to purchase my used vehicle. I consider Trent to be a very close friend with his assistance finding the proper vehicle for my needs. I will recommend Trent to everyone l know of in need of a used car vehicle.

    2. buy here pay here Columbia dealer review by Malex Brown

      Malex Brown rated DriveTime Used Cars

      Had an awesome time with Jon Garrett and Sam Jackson today at DriveTime. Made the experience of buy a car easy and simple. Thanks guys!!!!!!!!!

    3. buy here pay here Columbia dealer review by Eugenia Washington

      Eugenia Washington rated Godwin Motors Inc

      I spoke with Sarita on 4/29/2020 just minutes before closing. I explained my situation to her and she scheduled an appointment for me to come in the very next day. Upon arriving, I received a phone call from Ms. Thomas to get some figures. I initially had my eyes on a specific vehicle but Sarita showed me another option with lower mileage, pricing, fully loaded, etc. which was a much better deal than what I initially wanted. I was able to drive my new vehicle home in less than a 24 hour time frame after speaking with her. She was very patient, kind, considerate and most of all HONEST about everything. My experience was better than any that I've EVER had with purchasing a car from anywhere! If ever you are in the market for a vehicle, contact Sarita Thomas at Godwin Motors! I promise you won't be disappointed!

    4. buy here pay here Columbia dealer review by Dorian Durham

      Dorian Durham rated Godwin Motors Inc

      This is s very good car rental service... They have very good quality car that are dependable.. And most of all the customer service is excellent... This is why you should rent or buy a car from Goodwin motors.. Thanks in advance Sarita...

    5. buy here pay here Columbia dealer review by Carlton Foxworth

      Carlton Foxworth rated Columbia Auto Center

      Daryl has by far an A1 customer service mindset. He makes buying a car feel stress free and gives you all the information you need before you leave office. Great condition of cars. I've had my car for almost 2 years and have yet to have an issue and I drive over 200 miles back and forth to work. He responds to you in a timely manner. I HIGHLY RECOMMEND THIS guy Daryl to my friends and family

    6. buy here pay here Columbia dealer review by Temersa Jones

      Temersa Jones rated Columbia Auto Center

      Darryl is amazing

    7. buy here pay here Columbia dealer review by Anji Greene

      Anji Greene rated American Car Center – Columbia, SC

      Derrell was AMAZING!!! Very straightforward process that was so fast I was able to get it done on my lunch break!! I would definitely recommend getting your next car from here. They WILL make it happen, and go above and beyond to get the deal done!!

    8. buy here pay here Columbia dealer review by Amanda Marie Parker

      Amanda Marie Parker rated American Car Center – Columbia, SC

      Micha helped us out today with our first actual car buy, and let me tell you...I'd go back to him in a heartbeat. I've never net a single salesperson who is more upfront, honest, dependable, and personable than this man. He was extremely helpful, straight to the point the whole time. He listened to our concerns , wants and needs in a vehicle for our family, and he made sure to help us get into the process range we needed! All of the staff there were amazing with us, talked to us like we were all long time friends. If you want a no pressure, easy going car buying experience (not even to mention their amazing rates) definitely come to American Car Center.

    9. buy here pay here Columbia dealer review by Stuart Gregg

      Stuart Gregg rated Love Chevrolet Company

      Got my new 2020 Equinox Midnight edition from Love Chevy and everything was better than I could have imagined. The staff was extremely welcoming and friendly and answered any question i had. They had me in and out quickly and even helped me out when I forgot a bag in my trade. Luke, Buddy, and Josh were wonderful and i would advise anyone in the Columbia area to visit them and see how they can hook you up. Amazing service

    10. buy here pay here Columbia dealer review by Doug Learn

      Doug Learn rated Love Chevrolet Company

      Was helpful friendly and no pressure. Did not have to play a bunch of sales games

    11. buy here pay here Columbia dealer review by Melissa Payton

      Melissa Payton rated Payless Car Sales

      Ty and Larry were very helpful in getting my (Beverly dail) mother into another vehicle that she absolutely loves! Thank you so much. They got her everything she wanted and more she could not be happier! We will definitely be back.

    12. buy here pay here Columbia dealer review by Lily Peace

      Lily Peace rated Payless Car Sales

      Thank you so much Lj and Larry on finding me my perfect car! They were super caring, helpful and very patient with me! I love it!

    13. buy here pay here Columbia dealer review by I AM ClearAsCrystal

      I AM ClearAsCrystal rated DRIVESMART

      Mike was very personable and forthright about all of the vehicles on the lot. Their mechanics are very kind as well. What impressed me the most are the owners. I don't know them personally but in a phone conversation, they made me feel secure in dropping off my vehicle to be serviced during the COVID19 debacle.

    14. buy here pay here Columbia dealer review by Mark Brunson

      Mark Brunson rated DRIVESMART

      Great dealership I got my car from here dedicated service they will work with you. Just be honest.

    15. buy here pay here Columbia dealer review by Paula Johnson

      Paula Johnson rated Byrider Columbia

      Very easy process. Everybody from sales n finance were super friendly n great to work with. They got me into the car I wanted!!

    16. buy here pay here Columbia dealer review by Tanya Godin

      Tanya Godin rated Byrider Columbia

      I've been dealing with jdbyrider for 10 years now and periodically there are some glitches of course.When I go from state-to-state to deal with them. This one here has been by far the best one that I've dealt with. They are very helpful. They"re have been two people that have been very pleasant towards me and helping me get through a few things, things that have come up during my time with them. I feel like I wouldn't have a problem suggesting people go to them... If Asked.

    17. buy here pay here Columbia dealer review by Brian Young

      Brian Young rated Capital City Rides

      Great place friendly people and easy process. Thomas Martin took good care of me. Highly recommend this dealer. Tell Thomas I sent you.

    18. buy here pay here Columbia dealer review by Ashley McNeil

      Ashley McNeil rated Capital City Rides

      Thomas Martin was great with us! He made the experience very enjoyable and memorable.He's a hard worker with a good heart who gets the job done.This place is great.

    19. buy here pay here Columbia dealer review by Eric Blake

      Eric Blake rated Bluff Road Auto Sales

      Relaxing environment with a large new detail shop and service area. Kid friendly lobby.

    20. buy here pay here Columbia dealer review by Angelica Taylor

      Angelica Taylor rated Bluff Road Auto Sales

      Milik was amazing. He went above and beyond to make me feel comfortable in the car buying process. He worked miracles to get me in my dream car. Great prices and great people!! ??????

    21. buy here pay here Columbia dealer review by Andrew F.

      Andrew F. rated Capital Car Sales of Columbia

      For me, Alex did right by me. I got a good trade in value for my old car and got into a newer model car; that, I'm still driving with low miles. They helped me with a better price tag when other places only have high prices for vehicles that aren't worth the window sticker. If you're looking for a good used vehicle with a fair price. Go see Alex. If you have a steady job with a decent down payment or trade-in. I would go there.

    22. buy here pay here Columbia dealer review by erica boyd

      erica boyd rated Capital Car Sales of Columbia

      i have bought 2 cars from Alex and am about to purchase a third, when i got my first car from there i had a very low credit score, i didn't think i could get financed, but they did and with a payment under$300

    23. buy here pay here Columbia dealer review by Brittney Thomas

      Brittney Thomas rated K O Enterprises of Columbia

      My experience with KO Enterprises was great. My salesman Ray was very direct and very friendly. They explained everything to me as far as my payments and all cost. I am looking forward to being a customer and would recommend anyone to come to this establishment!

    24. buy here pay here Columbia dealer review by romanda tucker

      romanda tucker rated K O Enterprises of Columbia

      Mr. Ray is an awsome salesman. He made me feel at home and welcomed. He talked to my husband and I straight forward didn't beat around the Bush or bend any corners. Best customer service ever and I value you that very much. I was so nervous but I kept praying now I have one of my dream trucks I'm forever greatful For him and trusting my extinct... I kept telling my husband if it's meant for us we will have it and it happened... thanks mr. Ray for your excellence in customer service and valuing your customers with honesty and respect. Also a word from god in between... the whole process was incredible and easy financing... everyone at KO's are excellent!!!

    25. buy here pay here Columbia dealer review by Matthew Underwood

      Matthew Underwood rated Unique Auto Sales Columbia

      I took a look ariund happy to help with alot.

    26. buy here pay here Columbia dealer review by Alonso Bess

      Alonso Bess rated Unique Auto Sales Columbia

      I RECOMMEND ANYBODY 2 COME HERE. THEY WILL HOOK YOU UP....

    27. buy here pay here Columbia dealer review by steven graves

      steven graves rated US Auto Sales

      Challenging credit, stable employment my salesman Jeff treated me as a perfect credit customer. He did all he said he would and then some. From the fisrt phone call to closing the deal. No stress just truthful delightful service. Great experience and Jeff was the BEST!

    28. buy here pay here Columbia dealer review by Peley Versace

      Peley Versace rated US Auto Sales

      Amazing experience friendly staff great vehicle's my salesperson Talitha was amazing please pull up on her and let her work her magic and get you riding. If it can be done she can do it I love my new car it's too cute!

    29. buy here pay here Columbia dealer review by Lele B

      Lele B rated USA Auto Sales

      Great place!! They work with you bad credit good credit don’t matter!! The place to go to get a nice car reasonable prices... Hit them up

    30. buy here pay here Columbia dealer review by Michael Mobley

      Michael Mobley rated USA Auto Sales

      Great place to look for car and great customer services. Work with you good credit or bad. Straight forward people. Best I been too.

    31. buy here pay here Columbia dealer review by Janelle Reed

      Janelle Reed rated Capital City Auto Sales

      They will really work with you! I highly recommend Capital City Auto!

    32. buy here pay here Columbia dealer review by Carla Blake

      Carla Blake rated Capital City Auto Sales

      Great place!!! They had a great selection to choose from. I did a trade in and they offered me a great deal with affordable payments.

    33. buy here pay here Columbia dealer review by Whitney Miracle

      Whitney Miracle rated United Auto Sales

      This place was awesome...Leo's the man! My man got a beautiful new truck

    34. buy here pay here Columbia dealer review by Anna Bracy

      Anna Bracy rated United Auto Sales

      I had an amazing experience at United Auto Sales! Very professional staff, this team understands and implements southern hospitality. I couldn’t imagine shopping anywhere else.

    35. buy here pay here Columbia dealer review by Keyshia Belton

      Keyshia Belton rated Hott Cars Inc

      If you need a car this is the place to go

    36. buy here pay here Columbia dealer review by Ahmatam Yasharala

      Ahmatam Yasharala rated Hott Cars Inc

      My car runs like a charm. Mileage is low . Good on gas. I love my 2001 Nissan Maxima. Mint condition.

    BHPH Columbia MO dealer

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