Top 18 Buy Here Pay Here Dealers in Des Moines IA

Looking for a used car dealer in Des Moines IA but your credit is in bad shape?

Connect with top 18 buy here pay here Des Moines IA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Des Moines'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 Des Moines IA

  • Reliable Motors, IA

  • Byrider Des Moines, IA

  • Tom’s Auto Sales, IA

  • Kia of Des Moines, IA

  • Owen Auto, IA

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

  • Broadway Auto Sales, IA

  • Murray Motors Inc, IA

  • Integrity Automotive Group, IA

  • Certified Auto Sales, IA

  • IA Motors, IA

  • Did you know? These BHPH Des Moines IA 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 Des Moines 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.

  • WOW Auto, IA

  • Car City Inc, IA

  • Aztec Motors, IA

  • CarHop Auto Sales & Finance, IA

  • McKee Auto, IA

  • The phrase buy here pay here Des Moines IA 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. Des Moines 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.

  • Pre-Owned Autos of Des Moines, IA

  • Auto Outlet Inc., IA

  • TBK Wholesale, IA

  • Why buy here pay here Des Moines IA 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 Des Moines IA 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 Des Moines IA 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 Des Moines IA Works

    When the bank says no to your car loan, the buy here pay here Des Moines IA 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 Des Moines IA 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 Des Moines IA 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 Des Moines IA Car lots Dealership

    The one thing is very true about buy here pay here Des Moines IA 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 Des Moines IA 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 Des Moines IA – Fast Approval Low or no credit score

    The buy here pay here Des Moines IA 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 Des Moines IA 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 Des Moines IA 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 Des Moines IA

    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 Des Moines IA

    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 Des Moines IA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Des Moines IA 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 Des Moines IA 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.

    Des Moines IA buy here pay here Reviews

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

    1. buy here pay here Des Moines dealer review by Tashema Copic

      Tashema Copic rated Reliable Motors

      I've known Bobby for almost 33 years. He's a man of his word. Jessica is awesome too. They helped me when no one else, even my own bank, wouldn't. Their lenders are great too. Switching my account to that bank because of how nice and workable it is. My Chevy Equinox is a reliable and efficient on gas vehicle. Nice factory system too. They offer their customers a great deal on maintenance costs as well. Thanks for helping me with the next step to achieving my goals from the lender to the tags and maintenance!

    2. buy here pay here Des Moines dealer review by Jennifer Fern McDaniel

      Jennifer Fern McDaniel rated Reliable Motors

      Both Jessi and Bobby at Reliable Motors were super helpful and easy to deal with in helping my daughter purchase her 1st "new"ish (financed) car and leaving her feeling like she got a great deal! Every step of the process was more of a pleasure than a chore! We would do business with them again in a heartbeat when we are in the market again.

    3. buy here pay here Des Moines dealer review by Colton & Breezy Burge

      Colton & Breezy Burge rated Byrider Des Moines

      Nicole was simply AMAZING! She has been in contact with us the last couple months seeing when we were ready to come in and select a car just for us! When we got here she was so nice and gave us all the information we needed to make our final decision! She even broke down what we liked and didn’t like about two cars we were trying to choose from! Seriously, if you ever need a car! Call Nicole! You won’t be disappointed! We have never had a car payment before and this experience was probably one of the best! And probably won’t go anywhere else! Just amazing! Thank you Nicole!

    4. buy here pay here Des Moines dealer review by Liz Scovel

      Liz Scovel rated Byrider Des Moines

      I highly recommend going to Jd Byrider! They are amazing and will work with you to help you get a new and better vehicle. Nicole is great also! I would also recommend working with her on getting your new vehicle. She helped me more than I expected and I walked out with a new car.

    5. buy here pay here Des Moines dealer review by Aaron Sewell

      Aaron Sewell rated Tom’s Auto Sales

      After going through several cars and several dealers I had a decent vehicle that was supposed to last me a while. Well having a child changed those plans and my wife and I realized we needed more room for when we traveled with our infant and our dog for trips (my parents live in Kansas City). The staff at Tom's Auto were awesome. No pressure, honest thoughts, and if they didn't know an answer they got it for you soon. Working with Bryan was great! He was patient, helpful, and listened to us. It felt like working with a friend. Great place with a lot of car options, and friendly staff.

    6. buy here pay here Des Moines dealer review by Marissa Messinger

      Marissa Messinger rated Tom’s Auto Sales

      I have been looking for a used car for awhile now and nothing seemed to fit right. I went to Tom's Auto Sales and worked with Mr. Brian Applebee to find my perfect car. I walked away with a beautiful 1999 Isuzu Rodeo. While I was doing my test drive the check engine light came on and Tom's did not hesitate to offer to check and fix on the light. A few days later I noticed other small nuances that seemed mildly concerning, when I dropped the car off Tom's took full accountability to ensure this car was trustworthy and reliable. They went 100% above and beyond the standard "used car duties." I wont need another car anytime soon, but I will for sure be sending friends and family to see Brian at Tom's Auto Sales!! Thank you SO much for your work guys!

    7. buy here pay here Des Moines dealer review by Brandon Brookhart

      Brandon Brookhart rated Kia of Des Moines

      Every aspect of the process was professional and done in a timely fashion. I have poor credit and Kim worked hard to get me into the vehicle I wanted. Exceptional service. Would recommend to anyone looking to purchase a new vehicle.

    8. buy here pay here Des Moines dealer review by Sherri Welch

      Sherri Welch rated Kia of Des Moines

      I love KIA of Des Moines. As a single woman walking into a car dealership it can be intimidating. KIA made the whole experience easy and friendly. I never felt pressured or judged. The sales people were actually genuine and treated me with respect. Every person I encountered whilst there was welcoming and friendly. This is the way all car buying should be. I will definitely continue to do business with KIA for years to come. I highly recommend them.

    9. buy here pay here Des Moines dealer review by Ashlynn Ochoa

      Ashlynn Ochoa rated Owen Auto

      Very great workers, Brad and Max are two wonderful men to work with and buy from! I bought a 2008 Chevy impala from them in august and they have both been super helpful, they helped me when my battery died and my gas sensor went out and they sent me a tow truck and fixed my car the next day! If you are looking for a dealership and you don’t have credit go to Owen Auto you won’t regret it!

    10. buy here pay here Des Moines dealer review by Malynda Rumbaugh

      Malynda Rumbaugh rated Owen Auto

      Great customer service, made sure my daughters first car was not only something she liked but safe , and not over here budget, and she eventually paid it off early and was very happy

    11. buy here pay here Des Moines dealer review by Mike Gloden

      Mike Gloden rated Broadway Auto Sales

      Sorry to say they didn't have what I needed this time. The service was awesome they had a lot of great information.

    12. buy here pay here Des Moines dealer review by Rostov SZ!!!!

      Rostov SZ!!!! rated Broadway Auto Sales

      Great prices, nice location and very friendly staff great cars

    13. buy here pay here Des Moines dealer review by Lindsey Stjohn

      Lindsey Stjohn rated Murray Motors Inc

      Best place I have ever been! I was driving a car that was no longer reliable for me or my kids and the same day i stopped in I drove home in my new to me toyota. Everyone here is very helpful and friendly. Tom even offered to pick my car up from my work the following monday to change my oil and drop it back off so that I wouldnt have to miss any work. I highly recommend everybody make this their first stop while searching for a reliable and affordable car!!

    14. buy here pay here Des Moines dealer review by Royal Michaels

      Royal Michaels rated Murray Motors Inc

      I went to many dealerships where we were approved for financing but the sales people tried to talk me into vehicles I didn't want as I was looking for something "special." I was looking for a daily driver that would hold up in winter. Most importantly I didn't want a vehicle I would see parked in every neighbor's driveway. When I found out Murray Motors had a North Face Avalanche I knew it was exactly what I had been looking for. I called Dillon all day making sure it hadn't sold and he was so nice and patient, not patronizing like the other places. I loved when I got there it was obvious this is a family business and I felt comfortable immediately. He had the Avalanche ready to test drive when we arrived. It is a pristine vehicle and they worked with us to make sure I got into the vehicle I wanted and never tried to push a different vehicle. Instead they sat down with us and worked out a down payment and payments we could afford. With only 1700 of these vehicles ever made, I knew I wasn't going to have a vehicle like everyone else. Thanks to Murray Motors, Dillon and the whole family, I was able to get exactly what I wanted in a vehicle. After this experience I would never go anywhere else!

    15. buy here pay here Des Moines dealer review by Ms.Angela

      Ms.Angela rated Integrity Automotive Group

      Terry was very pleasant and professional person. Stands by there name Integrity Automotive. I would say stop in try them out, you will not be disappointed. . I left knowing made a good decision on my purchase.

    16. buy here pay here Des Moines dealer review by Heather Brown

      Heather Brown rated Integrity Automotive Group

      Terry was great! He worked with me and held my vehicle with a down payment. Stayed in constant communication and made sure my vehicle was as appeared in pictures. I definitely recommend if you're looking for a great vehicle along with great service??

    17. buy here pay here Des Moines dealer review by BB 61

      BB 61 rated Certified Auto Sales

      Was in a situation where I needed a vehicle before too long. Bob made the process easy and hassle free. Would recommend to anyone needing something new or used and overall down-to-earth!

    18. buy here pay here Des Moines dealer review by Ronald Carpenter

      Ronald Carpenter rated Certified Auto Sales

      Great people to do business with my stepdaughter is here to buy a car and they do have cars

    19. buy here pay here Des Moines dealer review by Michael Aycock

      Michael Aycock rated IA Motors

      Had an issue with a Buick Enclave & Buddy & Anthony did everything they could to help get it fixed. Highly recommend this company. They stand by their product & are great to work with.

    20. buy here pay here Des Moines dealer review by Emilyronald Gerke

      Emilyronald Gerke rated IA Motors

      Mark really worked some magic and hooked our family up with a great car and buying experience! Totally recommend over any other lot in town!

    21. buy here pay here Des Moines dealer review by Luis Visalden

      Luis Visalden rated WOW Auto

      I’m a repeat customer to their mechanic Andy. Honest, reliable and gets it done quick. Reasonable prices and I will return if I need any work done. GM specialists, so it helped that I drive a GM.

    22. buy here pay here Des Moines dealer review by Terry Landers

      Terry Landers rated WOW Auto

      Great place and amazing staff. Chip was fanominal to work with and made the process very easy! I will be back!

    23. buy here pay here Des Moines dealer review by Scott Griffin

      Scott Griffin rated Car City Inc

      Great car. Great deal. Small mechanical issue handled like pro's. Ali and his manager were awesome. Never have a 2nd thought giving these folks a chance

    24. buy here pay here Des Moines dealer review by Glenda Dykstra

      Glenda Dykstra rated Car City Inc

      Treated us decent, got a good deal on a car

    25. buy here pay here Des Moines dealer review by Tucker Shuff

      Tucker Shuff rated Aztec Motors

      Went in there not really expecting to get a car just kinda looking, didn’t end up getting the car I wanted but Bruce hooked me up with a 2012 Buick LaCrosse that is in fantastic shape, I love the car and I’m glad he showed it to me! Bruce was very good at what he did and I would recommend anyone looking for a car to come here as this was my first stop and my last stop and also the first car I’ve got at a dealership! Thank you guys so much I will definitely be getting another car here when it come that time!

    26. buy here pay here Des Moines dealer review by Dan Ayres

      Dan Ayres rated Aztec Motors

      Very pleased with the deal they worked for me

    27. buy here pay here Des Moines dealer review by Mugsy Boot

      Mugsy Boot rated CarHop Auto Sales & Finance

      Austin helped us get started and mike help see us through the final sale. These guys were great. Extremely polite, very knowledgeable and best of all very honest. They definitely try to set you up to swim not sink. I’m truly pleased with them and my purchase. I highly recommend.

    28. buy here pay here Des Moines dealer review by Brandon Silver

      Brandon Silver rated CarHop Auto Sales & Finance

      I spoke to Mr Mike when he came in to my place of employment the night before last, and he checked around to find me an approval with zero down, and super reasonable payments. He is professional, personable, funny, and a downright expert at his job. It’s only fitting that it was a fellow Baltimorean to be the one to sell me a car. I highly recommend CarHop!!

    29. buy here pay here Des Moines dealer review by Chris Hammond

      Chris Hammond rated McKee Auto

      Keith was my sales man, and he made the experience very fun and enjoyable. He was very knowledgeable about the vehicles, and found the perfect car for me. He made it a very enjoyable experience! There was one issue of miscommunication, and Jay made it right right away, and was so nice and professional about it, that it really surprised me, but I was very pleased. I would recommend them to anyone, as they make car buying a fun and pleasant experience, and make sure that you get what you want and that everything is right!

    30. buy here pay here Des Moines dealer review by Lee Olson

      Lee Olson rated McKee Auto

      I love this place, great place to get treated like a part of a family not just another number. The sales team was amazing, big shout out to Marissa Hill and Brandy Gray for there combined effort to get us into our dream truck

    31. buy here pay here Des Moines dealer review by Nicole Ervin

      Nicole Ervin rated Pre-Owned Autos of Des Moines

      We purchased a car as a daily driver last weekend. It's too early to tell how the car will work out, but they had a wide selection for very reasonable prices - used to seeing those kinds of prices in smaller towns but not in the city. The salesperson was very friendly, even though we came late in the day, and worked well with us. The on-site mechanic will be doing a few of the needed repairs at a discounted rate for us as well.

    32. buy here pay here Des Moines dealer review by Janice Nichols

      Janice Nichols rated Auto Outlet Inc.

      The owner was super friendly. They have great cars. They have financing. They have the greatest X buy here pay here. I would definitely recommend this place to anyone else

    33. buy here pay here Des Moines dealer review by Phillip Rawson

      Phillip Rawson rated Auto Outlet Inc.

      I truly enjoyed dealing with them. I have forgotten salesman's name, but, I felt he was honest what he told me, and, very accommodating while looking and test drives. I did make a purchase, and, feel like I got an honest deal. Would definitely recommend, and, if ever in need again, will contact them. P. Rawson, an Iowa boy!

    34. buy here pay here Des Moines dealer review by Delani Lund

      Delani Lund rated TBK Wholesale

      Picked up our second car from this lot and as returning customers my husband and I think their the best lot around and their partnership with Army post auto only makes future repairs cheap and done right (save thousands on our first time their vs other dealerships quote). Couldn't be happyier and look forward to our next purchase.

    35. buy here pay here Des Moines dealer review by Katie Oberreuter

      Katie Oberreuter rated TBK Wholesale

      I purchased my car from TBK on 01/05/2018. Mark and Curt worked with me on my down payment. Got me into 2009 Chevy Traverse. Car had around 160k miles on it. A year later the car still running good. Got 200k on it now. I have taken care of the car since i purchased it. I see a lot of people saying bad things. I hope you guys know you purchasing a used vehicle and not brand new one. The saying goes "you get what you pay for it" I got mine for over 5k and still spend around 2k in fixing it. Things wear out on cars thats just how it goes. nothing last forever. Take care of the car and car will last you long time. I defiantly recommend TBK if you have trouble with your credit. Since i bought my car my credit went up by 400 points in year. Make payments on time and it will help your credit. Also the customer service is amazing. They understand what you going thru and willing to help. People getting mad because they not getting cars for cheap. Today is hard to find a good running car without any problems for less then 1k. Mark has some cars for around 2k-3k thats a good deal. If you are without a car and need something then start with cheap and work your self up. Hope your next purchase with TBK be great experience. Happy future car shopping.

    BHPH Des Moines IA dealer

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