Top 10 Buy Here Pay Here Dealers in Durham NC

Looking for a used car dealer in Durham NC but your credit is in bad shape?

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

  • Imotors, NC

  • The Auto Finders Car Dealership of Durham, NC

  • Boulevard Preowned, NC

  • Craige Motor Company of Durham, Inc., NC

  • CBS Quality Cars, NC

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

  • Byrider Durham, NC

  • R32 Auto Sales, NC

  • J & R Auto Group, NC

  • Reliable Motors, NC

  • RTP Auto Sales, NC

  • Did you know? These BHPH Durham NC 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 Durham 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 Durham NC 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 Durham NC 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 Durham NC 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 Durham NC Works

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

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

    The buy here pay here Durham NC 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 Durham NC 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 Durham NC 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 Durham NC

    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 Durham NC

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

    While buy here pay here Durham NC 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 Durham NC 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.

    Durham NC buy here pay here Reviews

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

    1. buy here pay here Durham dealer review by Jose Cortes

      Jose Cortes rated Imotors

      Very thankful for finding Imotors. Mr. Young is very friendly and a kind guy, he made me feel good about choosing the car that I did. I highly recommend people to come buy their car at Imotors, I guarantee that you will be very very satisfied. I came with no credit and with very low down payment but Mr Young was able to work with me and look out for me. Getting my car from Imotors is the best decision I could’ve ever made, I feel that more people should look into it!!

    2. buy here pay here Durham dealer review by Alexis Byrd

      Alexis Byrd rated Imotors

      Saw a car fell in love with it drove over a hour Mr. Young was so nice and helpful. His knowledge made it a quick and enjoyable experience. I highly recommend imotors

    3. buy here pay here Durham dealer review by Stefanie Bolt

      Stefanie Bolt rated The Auto Finders Car Dealership of Durham

      Me and my husband purchased a Jeep Patriot from Mike. I had a light pop on dealing with the ETC. I had no idea what it was but they were quick to get me in and get it to a shop for me and let me use a loaner car to get home. I never have had anyone even major dealership do that for me. It was always up to me to get appointments to the shop set up and sitting there all day as they try and fix my car. They were amazing to me and my husband.

    4. buy here pay here Durham dealer review by Davia Ingram-Terry

      Davia Ingram-Terry rated The Auto Finders Car Dealership of Durham

      Mike and Pat are absolutely amazing. They worked with me and helped me way past closing time. This was the first time I ever bought a car and they made it soo easy and were very helpful. I’m definitely coming back here for my next one and will be bring my friends here as well. THANKS GUYS

    5. buy here pay here Durham dealer review by Tashina Chavis

      Tashina Chavis rated Boulevard Preowned

      I love Kyle and all he does for people like me. Great dealer and leader

    6. buy here pay here Durham dealer review by Scott Garcia

      Scott Garcia rated Boulevard Preowned

      Brought my car in to see what I could get for it. Kyle was friendly, knowledgeable and very transparent. He even shared the vehicle history report along with a report detailing what the retail value was for my car and similar cars sold recently. I left equipped with the knowledge I needed to effectively sell my car, along with fair offers from him for cash & consignment should I be unable to sell it. If you’re planning to sell your car, you’d be remiss if you didn’t bring it here first. Thanks again for all the help Kyle.

    7. buy here pay here Durham dealer review by Matthew Etter

      Matthew Etter rated Craige Motor Company of Durham, Inc.

      A Credit to Durham I have every expectation that you will be treated as fairly and honestly as I was by Craige Motor Co. They may not have the extensive inventory and glitz of larger, national establishments, but you owe it to yourself to check here first if you're in the market for a used-but-solid car in Durham. No B.S., no hard sell, no games. Just good people taking pride in their work. When they say they'll call/text back, they do. When they say "we'll take care of X", they do. When my oldest is in need of his first car, this will be the first place I visit.

    8. buy here pay here Durham dealer review by Gary Green

      Gary Green rated Craige Motor Company of Durham, Inc.

      I purchased a 1998 toyata camry le from craige motor. The car ran excellent from 2008 until now. Craiges service center kept me rolling at a fraction of what dealers and other garages estimated. I returned this year because my family demographic has changed. Walt welcomed the camry back as a valuable trade, and my next purchase from him, a mini-van, is functioning as steady and ready as the camry. I am dedicated to their service center and look forward to many more years of association.

    9. buy here pay here Durham dealer review by Cel Fields

      Cel Fields rated CBS Quality Cars

      Great place to go talk to about a car. Cathy and Jani are a pleasure to work with. Thank you for all of your assistance ladies.

    10. buy here pay here Durham dealer review by Ashley Stanfield

      Ashley Stanfield rated CBS Quality Cars

      I had an amazing experience today! Rocky Watson is an incredible guy! Very helpful, with an awesome personality! Thanks!

    11. buy here pay here Durham dealer review by Montravias King

      Montravias King rated Byrider Durham

      I had a great experience here. The entire staff is amazing. I especially appreciate Scottie and Jen for going the extra mile to make me smile. The experience and service at Byrider is second to none. Don't wait, check them out today!

    12. buy here pay here Durham dealer review by Carolyn Tilley

      Carolyn Tilley rated Byrider Durham

      I came into my appointment a few minutes early and Michael got started right away. He was very professional and made me feel very comfortable. He explained things in a way I understood and was ready to do everything possible to put me in the car I wanted. This was by far the best less stressful car buying experience ever. Thank you Michael for making it so easy and stress free!

    13. buy here pay here Durham dealer review by first base

      first base rated R32 Auto Sales

      Jorge helped through the entire car search! He made sure my first car was near, polished, and ready! I highly recommend customers (especially teens) come here for looking for their first car! An amazing experience with excellent customer service!

    14. buy here pay here Durham dealer review by Taquasia Mason

      Taquasia Mason rated R32 Auto Sales

      Jorge and rod were very helpful . I never experienced great customer service they provided. I’m very happy with my car after I got it checked by my mechanic. Highly recommended R32 auto sales

    15. buy here pay here Durham dealer review by Roger Sutton

      Roger Sutton rated J & R Auto Group

      Been here two years in a row for my NC car inspection. Both times the staff very attentive and nice. Service was quick and easy and I was back on the road in no time. Also met this little guy at their office.

    16. buy here pay here Durham dealer review by Laura King

      Laura King rated J & R Auto Group

      Had car inspected here twice. The man that works here was so nice. The first time my battery died before he could inspect it and he tried everything he could to jump it for me, and spent a long time trying to help. Will continue to bring my business here.

    17. buy here pay here Durham dealer review by cassandra elliot

      cassandra elliot rated Reliable Motors

      • It was my first time that I think of spending my savings to buy a new car. It was my hard earned money and I wanted to spend it on right vehicle. Reliable Motors helped a lot to buy a vehicle according to my needs. Their way of working and dealing with people is best and that is best in them.

    18. buy here pay here Durham dealer review by Alan Hicks

      Alan Hicks rated Reliable Motors

      Tony and Sam were very helpful and patient with my son's need of a car. The price and financing terms were unbelievable. They have good cars and great financing options.

    19. buy here pay here Durham dealer review by Stephen Ramos

      Stephen Ramos rated RTP Auto Sales

      Good experience and good custmer serivice.

    20. buy here pay here Durham dealer review by ItsChelo504

      ItsChelo504 rated RTP Auto Sales

    BHPH Durham NC dealer

    Hope you like our list of buy here pay here Durham NC dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.