Top 11 Buy Here Pay Here Dealers in Connecticut CT

Looking for a used car dealer in Connecticut CT but your credit is in bad shape?

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

  • Shantok Motors Manchester, CT

  • Jazzi Auto Sales, CT

  • Shantok Motors, CT

  • Platinum Motors, CT

  • Yantic Auto Center, CT

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

  • Shantok Motors II, CT

  • United Auto Group, CT

  • Universal Motors LLC, CT

  • Byrider Meriden, CT

  • Melillo Motors, CT

  • Did you know? These BHPH Connecticut CT 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 Connecticut 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.

  • James Auto Ltd, CT

  • Why buy here pay here Connecticut CT 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 Connecticut CT 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 Connecticut CT 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 Connecticut CT Works

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

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

    The buy here pay here Connecticut CT 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 Connecticut CT 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 Connecticut CT 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 Connecticut CT

    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 Connecticut CT

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

    While buy here pay here Connecticut CT 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 Connecticut CT 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.

    Connecticut CT buy here pay here Reviews

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

    1. buy here pay here Connecticut dealer review by Ann Golon

      Ann Golon rated Shantok Motors Manchester

      I just purchased a new to me manual shift juke. Will and Edwin made this process so easy and their customer service was excellent. Never once did I feel pressured which is great because let's face it the cars sell themselves!

    2. buy here pay here Connecticut dealer review by chy

      chy rated Shantok Motors Manchester

      Had trouble selling my old car. I tried other dealerships and had no luck and at this point had lost hope of getting a new car.. I got a call from Shantok Motors and immediately they asked me a few questions, said they had the right car for me and had me come in to finalize some paperwork. I immediately received my car in great condition, really low miles for a great price and a newer car. Really satisfied with this car and I’m glad I went to Shantok Motors in Manchester CT! This is the place to go!

    3. buy here pay here Connecticut dealer review by melinda collins

      melinda collins rated Jazzi Auto Sales

      Great Wonderful staff at Jazzi Auto. Very professional, friendly, and really go all out for there customers. My sister and I were out car shopping, and Jazzi Auto was our first and only stop. The staff treat you as if you were like family. Every one works extremely well with one another and as a team. Kudos to the Staff at Jazzi Auto. Not only did myself and sister walk away with a vehicle; I’m going to recommend this business to all my family and friends as well. Keep up the Good Work! # The dynamic duo Twins....

    4. buy here pay here Connecticut dealer review by Alicia Almedina

      Alicia Almedina rated Jazzi Auto Sales

      Went in doubtful, drove my car home a few hours later!. Sammy and Mary did everything possible to put me in a car that I love at a price I can afford! I loved the way were we treated and I would recommend this place to all my friends and family.

    5. buy here pay here Connecticut dealer review by Omar Hernandez

      Omar Hernandez rated Shantok Motors

      I’ve been here multiple times, to help my sister find a car and find a car for myself. Larry and J were helpful and patient with helping me find the perfect car. I comfortably explored all of my options, and never felt rushed. I felt like their main priority was seeing my drive off happy.

    6. buy here pay here Connecticut dealer review by Kristen Kowalski

      Kristen Kowalski rated Shantok Motors

      Larry and J were awesome! I came in not really knowing what I was looking for but knowing that I wanted low mileage. They got me into a car that I love with super low mileage! Definitely recommend for your next car purchase. Approved the same day I came in and the process was quick and easy!

    7. buy here pay here Connecticut dealer review by Marissa Russo

      Marissa Russo rated Platinum Motors

      Joey really took very good care of me. Being a new driver he made my first experience buying a car fast and easy. He is an honest business man that you can trust for all your car needs. He gave me a great deal for a beautiful used car that looks and runs practically brand new! I would definitely recommend Platinum motors for your new used vehicles!

    8. buy here pay here Connecticut dealer review by Marie Roberts

      Marie Roberts rated Platinum Motors

      Have bought 5 cars from Joe over the years and have had a great experience through all of them. They work with you to get you what you want and need, very personable and really love their customers.

    9. buy here pay here Connecticut dealer review by Thomas Holland

      Thomas Holland rated Yantic Auto Center

      By far the hardest working group of I have met in a long time. Johnny put in more than enough effort helping me get the vehicle I wanted. Cant thank them enough. And having two teens that are eager to drive , I'll absolutely be back in the future!

    10. buy here pay here Connecticut dealer review by Scott Horner

      Scott Horner rated Yantic Auto Center

      Well..... 2 plus years later and I still have the Avalon I purchased- ZERO problems. Despite being “ a Volvo guy” and still owning two, I’m buying my next “ newer” car from Yantic Auto Center because they are excellent!!!!!

    11. buy here pay here Connecticut dealer review by Reiva Dean

      Reiva Dean rated Shantok Motors II

      Brian was caring, knowledgeable and well mannered. He was a joy to work with, a very happy and upbeat funny guy! He made our car buying experience quick and painless. Definitely easier than the big dealerships. There was very little we had to do, besides picking out our car and a little paperwork. He made car buying pleasurable and a breeze! The other staff were just as pleasant and social with us, making us feel welcomed. Our 4 year old even got a little treat! The down payment options were EXTREMELY reasonable and less than most places we looked at. Getting approved was quick, easy and painless! Brian had our car registered in minutes on delivery day and with a few signatures we were on our way! Not only was this experience amazing but the vehicles to choose from were gorgeous! It was a little tough to choose my favorite but once I set eyes on the 2013 Ford Focus SE I was done searching. It’s beautiful inside and out, drives like a dream, has super awesome tech and fits well with our family. I LOVEEE ITTT!! ??? Will definitely be buying our next car from Brian at Shantok Motors!

    12. buy here pay here Connecticut dealer review by Carla Zerio

      Carla Zerio rated Shantok Motors II

      I had a fantastic experience at Shantok Motors II!! I had been to several other dealers who gave me horrible deals . When I went to Shantok I had very little hope. But from the moment I walked in I knew this was a right fit. Lauren was very friendly, informative and helpful. She was able to get me into a vehicle that was perfect for me. Thank you!!

    13. buy here pay here Connecticut dealer review by Heather Manuppelli

      Heather Manuppelli rated United Auto Group

      Great selection of cars and trucks. Awesome staff, they treat you like family. Super easy to work with. Great value. Will tell everyone I know. Check them out, you won't regret it.

    14. buy here pay here Connecticut dealer review by ARK ROCHA

      ARK ROCHA rated United Auto Group

      Great selection of vehicles and services!

    15. buy here pay here Connecticut dealer review by A Dngrfld

      A Dngrfld rated Universal Motors LLC

      They were very professional, informative & polite. Any questions i had, they had an answer & if they didn't, they figured it out for me. I'm a first time buyer & they offered me the helping hand any first timer wants/needs. I made sure I was prepared & filled out their financial application online. I also had a vehicle or two in mind that i wanted to try & they made sure those were available & in my finance range. Any of my concerns, they tended to & they really led me in the right direction considering my needs for the vehicle. With my preparation & their attentiveness, i was driving my vehicle off the lot in 24 hours. Would recommend.

    16. buy here pay here Connecticut dealer review by BMWhack s

      BMWhack s rated Universal Motors LLC

      Couldn't be happier with the dealership Adam, Sam and Matt were amazing to work with quick and easy with absolutely no issues if I could give this place more than 5 stars I would they put me in the car of my dreams I have worked with allot of dealerships and this one is by far the best one I HIGHLY RECOMMEND this place if there was something that needed to get done to the car they worked with me and got it done with no problems they definitley have a customer for life.

    17. buy here pay here Connecticut dealer review by johnnise sumpter

      johnnise sumpter rated Byrider Meriden

      Came in with so many emotions , they gave a friendly, warmth, vibes. they made me feel very comfortable. They work with you. Not too many car places will do that. Came in and walked out with a car in one day. The service was amazing

    18. buy here pay here Connecticut dealer review by Vares Lloyd

      Vares Lloyd rated Melillo Motors

      Love them! They are very friendly and family like. Always great prices for a buy here/pay here. On top of that, excellent customer service. Not to mention, everyone is approved ! Cars look and work as brand new even though they're used

    19. buy here pay here Connecticut dealer review by Wally Kripps

      Wally Kripps rated James Auto Ltd

      Anna went above and beyond to get me in a nice car I am totally happy with my experience even replaced my cadalaic converter and alot of other work as well im glad I went to James auto.

    20. buy here pay here Connecticut dealer review by Igor D

      Igor D rated James Auto Ltd

      Just bought my second car from James Auto. Had a really great experience just like the first time. They had great selection of cars to choose from, so picking the right car was not a problem at all. After that everything from financing to registration worked flawlessly - not a single delay. The whole crew, especially Anna, worked really hard to have the car delivered on time as I was promised. Highly recommend! I would surely buy from them again when the time comes.

    BHPH Connecticut CT dealer

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