Top 10 Buy Here Pay Here Dealers in Denver CO

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

Connect with top 10 buy here pay here Denver CO car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Denver'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 Denver CO

  • Magic Financing, CO

  • Nations Auto Inc II, CO

  • Auto Mart Mitsubishi, CO

  • Cherry Creek Automotive, CO

  • CarHop Auto Sales & Finance, CO

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

  • Georgei Auto Sales, CO

  • Ultimate Machines Inc, CO

  • Denver Autos Inc., CO

  • Unlimited Motors LLC, CO

  • Nile Auto Sales, CO

  • Did you know? These BHPH Denver 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 Denver 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.

    Why buy here pay here Denver 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 Denver 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 Denver 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 Denver CO Works

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

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

    The buy here pay here Denver 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 Denver 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 Denver 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 Denver 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 Denver 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 Denver CO, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Denver 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 Denver 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.

    Denver CO buy here pay here Reviews

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

    1. buy here pay here Denver dealer review by Kayelee Blake

      Kayelee Blake rated Magic Financing

      Magic Financing is by far the best car dealership I have ever been to. Typically when you go into a car dealership they make you wait for hours, they aren’t genuinely friendly, and they over price every car you look at but Maurizio went above and beyond for me and my family and helped us get the car we came in to look at. Everyone that worked there made us feel comfortable. I will be recommending Magic Financing to friends and family,l. ??????????

    2. buy here pay here Denver dealer review by Luciferian Insectus

      Luciferian Insectus rated Magic Financing

      My name is Darren Peterson. I came into the dealership with no hope expecting nothing and Maurizio, Yvonne and Isabella were warm to me right from the start and very understanding. worked really hard to get me a great ride (TOTALLY ABOVE ANYTHING I HAVE EVER OWNED) and had me leaving feeling like family. I highly recommend this place to ALL LOOKING TO GET A RELIABLE, SAFE AND SLICK LOOKING RIDE! I give these people an 11 out of 10! They really deserve all the business and to be forever successful!

    3. buy here pay here Denver dealer review by Budderz719 B

      Budderz719 B rated Nations Auto Inc II

      Cierra at Nations Auto II off Alameda was absolutely amazing! Her customer service was beyond exceptional the selection of cars was amazing! She got me in the vehicle I wanted along with a great price and monthly payment! I will definitely be back for my next purchase! I absolutely recommend this business to anyone searching for a car!

    4. buy here pay here Denver dealer review by Brittany Aragon

      Brittany Aragon rated Nations Auto Inc II

      The dealership and employees were very helpful and professional! Ciera was sweet and helpful, and made us feel very comfortable with our buy! I will definitely be coming back again soon! I recommend them!

    5. buy here pay here Denver dealer review by Jesus gutierrez

      Jesus gutierrez rated Auto Mart Mitsubishi

      I have been looking for a car for a while and have visited several dealerships and drove several cars. After a very negative experience at another dealership this week, I ended up at Auto Mart USA to test drive one of their pre-owned cars. I wasn’t sure I would purchase something today but wanted to see if I liked this particular car. I spoke, at length, with Salesman yesterday and had a very candid conversation of what I was looking for and what would make me happy regarding a transaction if I liked the vehicle. I was very honest with him, and I feel that he was also very honest with me about the possibilities. I must say, the service I received, the no pressure sales experience, and open and honest communication, the time he spent with me, and the deal he put together with me was an exceptional experience. I love my new car and would highly recommend Auto Mart USA !!

    6. buy here pay here Denver dealer review by james timothy

      james timothy rated Auto Mart Mitsubishi

      Everyone is really nice and provide excellent customer service. They also check to see if repairs are covered under the auto warranty or extended warranty in order to help customers save money. The waiting lounge is really nice with comfortable chairs which makes the waiting time a lot more pleasant. I would recommend having your car serviced here. This is the only shop I receive repairs on my car from.

    7. buy here pay here Denver dealer review by J ClintonConsuner

      J ClintonConsuner rated Cherry Creek Automotive

      Hands down the best experience I’ve had with any transaction involving a vehicle, new or used bought or sold. I had a newer vehicle I wanted to sell and stopped by Cherry Creek Automotive based on their Google reviews. The entire staff were courteous, helpful, cool, and seemed very genuine. I met with the owner, Justin, and he took time to understand my needs, after which he provided me with various options. He was sharp,, knowledgeable, transparent, and provided me with guidance on both the time he believed it would take to sell my vehicle, as well as what I could expect to get for it. I chose to sell the car on consignment, and the car was sold in the time frame I was provided as well as the amount I was told I should get for it. Easy and stress-free experience -highly recommend.

    8. buy here pay here Denver dealer review by John G

      John G rated Cherry Creek Automotive

      Got a great deal on a GX460. There was an issues that came up immediately after I picked it up. The owner corrected the issue immediately and was apologetic about the experience. This is a used car lot, they didn't have to do anything to fix the problem, but they did, and I appreciate that! Also must mention that Luis is a great salesman.

    9. buy here pay here Denver dealer review by Alyssa Kloiber

      Alyssa Kloiber rated CarHop Auto Sales & Finance

      Sherry the manager of this location is amazing! My boyfriend and I are going through tough times Right now and sherry is doing everything in her power to make sure that I am as stress free as possible. She is truly a great person, with your best interest in her mind. Words can not express how great full I truly am for her in a time like this. I definitely recommend car hop for your new vehicle! Thank you again you are heaven sent ????

    10. buy here pay here Denver dealer review by alphonso gonzales

      alphonso gonzales rated CarHop Auto Sales & Finance

      My second time at this location. Cory Knight and Mrs B helped me with my purchase. They are awesome and was a great experience!

    11. buy here pay here Denver dealer review by Jaylon Koehn

      Jaylon Koehn rated Georgei Auto Sales

      A very good experience! They were very helpful and respectful. They know their stuff. Very reasonable prices on all their vehicles and you can tell they care about them. Very clean. Overall I would go there again and recommend to anyone buying a used Toyota.

    12. buy here pay here Denver dealer review by Anastasia Schwed

      Anastasia Schwed rated Georgei Auto Sales

      It was hard for me to find the right car but thanks a lot for helping me with a choice. They’ve suggested Toyota Tacoma and I am pleased and satisfied. Thank you so much for your perfect job.

    13. buy here pay here Denver dealer review by Scotty McLovin Ammon

      Scotty McLovin Ammon rated Ultimate Machines Inc

      Mile High salute to Ultimate Machines and their all-star salesman Tommie Mitchell for putting my in the seat of a beautiful pre owned Chevy and at an incredible price and payment. After an injury kept me out of work and my credit tanked, John B. was the only one to get me approved.

    14. buy here pay here Denver dealer review by Rafael sanchez

      Rafael sanchez rated Ultimate Machines Inc

      I am amazed by the ultimate machines after weeks maybe even months of searching every dealership wanted 4,000 to 5,000 down to even drive a vehicle off the lot i stopped here got help withing minutes i put down a less down payment That t was fair and i got to Drive my Chevy Silverado off the lot i am here to say and give 5 stars for there awesome cooperation i recommend to check this location out.

    15. buy here pay here Denver dealer review by chris k

      chris k rated Denver Autos Inc.

      I did not buy a car from Denver Autos, my review is based on selling my vehicle there, and my dealings with the owner, Lucas. I went there on the recommendation of my mechanic at K&J Auto, whom I trust. After getting the pertinent details of my car, Lucas asked me how much I was looking to get for it. I told him and he agreed to buy it, only he wanted to give me more than I asked. He kind of sensed my surprise and explained it was worth more and he just wanted to be fair. Really, who does that? He didn't screw with me at all, just a good guy making a fair deal...what a concept.

    16. buy here pay here Denver dealer review by Olivea Swaney

      Olivea Swaney rated Denver Autos Inc.

      This was my second time getting a car from here and everyone is amazing and very helpful! They have a great selection of cars and are reasonably priced! I was very well taken care of and will continue to do business with them!

    17. buy here pay here Denver dealer review by N H

      N H rated Unlimited Motors LLC

      Neil was a great help to my family and I. Incredibly professional and helped us pick the perfect car. Hope to come here in the future or just share the great experience we had with others.

    18. buy here pay here Denver dealer review by Lauren Hill

      Lauren Hill rated Unlimited Motors LLC

      I bought a LR2 here and I love the car! This dealership was the only one in Denver that I could find that gave details about any issues in the advertisement. I spent 16 hours on line and went to 14 different dealerships before stopping at Unlimited. I was ready to give up my search. Every dealership I went to there were a range of issues from cars not starting to engines knocking and they wanted more for the vehicle than the one I got here. The Lr2 I got was in decent condition with some slight hail which I knew it had from the advertisement and a small rip in the seat. I got a pre-sale and the LR2 needed brakes in about 15k miles and some of the belts would need replacing down the road. All things I was prepared for knowing the car was not new. I have had the car now for over a year and am bringing my son next week to get his first car. I am excited that he gets to make his first car purchase with them. Look forward to seeing you guys again. I hope Vicki is still there I would love to stop in and say hello.

    19. buy here pay here Denver dealer review by Oscar Gallegos

      Oscar Gallegos rated Nile Auto Sales

      Don't judge a place by it's looks. They have great vehicles at a great price. The owner gave me a good deal and even fixed a couple of issues I noticed on the truck for free. They will work with you with financing. I will most definitely come back to see them all the way from the Springs to buy another vehicle in the future.

    20. buy here pay here Denver dealer review by Jeremy McRae

      Jeremy McRae rated Nile Auto Sales

      Everyone that we had contact with was wonderful. They made our experience shopping for the right car for our daughter simple and easy. They held the car for us for a week so it could be a surprise for her birthday and the car (2012 Jeep Patriot) has been stupendously wonderful! Thank you again guys for the wonderful car buying experience.

    BHPH Denver CO dealer

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