Top 17 Buy Here Pay Here Dealers in El Paso TX

Looking for a used car dealer in El Paso TX but your credit is in bad shape?

Connect with top 17 buy here pay here El Paso TX car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of El Paso'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 El Paso TX

  • Auto Team, TX

  • RightDrive, TX

  • Indianapolis Motors, TX

  • Triangle Motors since 1978 Celebrating 40 Years, TX

  • Best Deal Auto Sales, TX

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

  • Finn’s Discount Auto, TX

  • Sport Auto Center, TX

  • Stogner Auto Sales, TX

  • No Credit Motors, TX

  • Texas Grand Auto World, TX

  • Did you know? These BHPH El Paso TX 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 El Paso 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.

  • Francia Motors, TX

  • Gael Auto Sales, TX

  • S&S Motors, TX

  • Affordable Car Buys, TX

  • Fiesta Motors East, TX

  • The phrase buy here pay here El Paso TX 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. El Paso 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.

  • Juniors Auto Group, TX

  • 4 U Motors, TX

  • Why buy here pay here El Paso TX 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 El Paso TX 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 El Paso TX 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 El Paso TX Works

    When the bank says no to your car loan, the buy here pay here El Paso TX 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 El Paso TX 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 El Paso TX 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 El Paso TX Car lots Dealership

    The one thing is very true about buy here pay here El Paso TX 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 El Paso TX 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 El Paso TX – Fast Approval Low or no credit score

    The buy here pay here El Paso TX 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 El Paso TX 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 El Paso TX 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 El Paso TX

    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 El Paso TX

    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 El Paso TX, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here El Paso TX 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 El Paso TX 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.

    El Paso TX buy here pay here Reviews

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

    1. buy here pay here El Paso dealer review by Annett Rodriguez

      Annett Rodriguez rated Auto Team

      I brought a car recently and it was like brand new , really good interior condition , low miles, and excellent price . I am to pay it off in a month and i pay it in a year , at first it was hard because they ask for half of the price down payment but is worth it. Recommend!!!

    2. buy here pay here El Paso dealer review by Emilia Jaquez

      Emilia Jaquez rated Auto Team

      Awesome customer service! Great prices, nice, clean vehicles.

    3. buy here pay here El Paso dealer review by Ryokifirekit .

      Ryokifirekit . rated RightDrive

      We were shopping for a vehicle for my husband. Found a good deal through Right Drive. They certainly took care of us and Rey was as friendly and respectful as one can get. They did great!!! My husband loves his vehicle!

    4. buy here pay here El Paso dealer review by Benjamin Welsh

      Benjamin Welsh rated RightDrive

      Had an amazing car buying experience from RightDrive! We were looking for something very specific, which can sometimes be difficult, but they were patient with us and worked hard to find the perfect car for us at a great price! I will never shop for a car anywhere else except for RightDrive! Their friendly staff, excellent service and huge selection of cars made for the best and least stressful car buying experience we've ever had! Highly, highly recommend! Thank you RightDrive!

    5. buy here pay here El Paso dealer review by Pedro Ayala

      Pedro Ayala rated Indianapolis Motors

      The sales team works as a team with a the main goal being customer satisfaction. It is extremely uncommon to feel among friends at a car dealership, especially at a used car lot, but the environment here is just that, friendly and service oriented. The large selection has various makes and options. I loved it so much, I immediately called my daughter and had her come down and buy her next car! Phenomenal people that care about the guest's needs. Finance was smooth and explained clearly without any smoke or trickery. They have earned my business for years to come. Thank you to the entire team that worked on my purchase!

    6. buy here pay here El Paso dealer review by Jazmin Elizalde

      Jazmin Elizalde rated Indianapolis Motors

      I came in to just look at a vehicle that I found online. Keep in mind I was just looking. Tony approached me and we chatted about it. He was the friendliest and honest salesman I've ever had and I had been to many other lots. They understood my budget and needs which I appreciated. I never got pressured to go for something bigger. They even went above and beyond to fix little cosmetic issues on the vehicle before purchasing it. Fantastic customer service, they have a great team looking out for their customers. Thank you guys!

    7. buy here pay here El Paso dealer review by K Northup

      K Northup rated Triangle Motors since 1978 Celebrating 40 Years

      Vehicles have clear titles. Vehicles sold as is but fairly priced. Everything wrong with the car I purchased was pointed out. They even insisted I take the new car to my own mechanic for peace of mind. An excellent place to buy a vehicle.

    8. buy here pay here El Paso dealer review by J Rod

      J Rod rated Triangle Motors since 1978 Celebrating 40 Years

      1998 Chevy S10 Purchased Sept 2016: The owner was very respectful and easy to work with. I told him I was looking for a truck. He had a 98 S10 that just arrived and wasn't ready for sale. I saw that his mechanics were detailing the truck and making sure it looked good. Although the paint wasn't in great condition, but what do you expect from a work truck. The vehicle drives great and I have had no problems since purchase of the truck. I am planning on purchasing another vehicle soon. I hope that he has what I'm looking for again and welcomes my business again. Note: all fluids were new and tires. Engine oil, transmission fluid, diff oil, brakes, and coolent all new. Thank you Joshua Francis.

    9. buy here pay here El Paso dealer review by Bianca Belle

      Bianca Belle rated Best Deal Auto Sales

      Very happy that we were able to walk out with a jeep thanks to Eddie. We really thought we weren't getting approved but Eddie made it happen. Compared to other places in Alameda this place is definitely worth it as the cars are in better condition, low miles and they work hard to get you approved :)

    10. buy here pay here El Paso dealer review by jackie ybarra

      jackie ybarra rated Best Deal Auto Sales

      My fiancé and I were in a tough spot with our previous car and Jesus Muñoz was super generous in helping us when nobody else would. Thank you Jesus for all your help! We are in love with our new car it is perfect.

    11. buy here pay here El Paso dealer review by Kathia Ortega

      Kathia Ortega rated Finn’s Discount Auto

      I really recommend Finn's Discount Auto. I am a first time buyer and first car owner and I am really satisfied with my purchase. They are amazing at what they do and are really well coordinated. Jorge helped me and made my purchase fast and easy and efficient have no complaints what so ever and would love to come again in the near future. Anybody looking for a car or SUV I highly reccomend y'all come check them out you will Not be disappointed!

    12. buy here pay here El Paso dealer review by Jorge Corral

      Jorge Corral rated Finn’s Discount Auto


    13. buy here pay here El Paso dealer review by Alfredo Chavez

      Alfredo Chavez rated Sport Auto Center

      I have 3 vehicles. I get my inspection sticker year after year. Never too busy. Very friendly service. This place started as a little patio cover building and now is a mechanic shop, car lot and inspection shop. Great and expert personnel.

    14. buy here pay here El Paso dealer review by Ivan Cuevas

      Ivan Cuevas rated Sport Auto Center

      Good professional people, with a great selection of second own cars

    15. buy here pay here El Paso dealer review by Grace Jones

      Grace Jones rated Stogner Auto Sales

      I had such a fabulous experience here. Cameron & Bobby were unbelievable. I'm sure I talked too much. I wanted to trade in my truck for one more fitting to me & they gave me a very fair price & I found a truck that was PERFECT!!!! I am so happy today....and my boyfriend is PROUD of me!!!!! Thanks you guys!

    16. buy here pay here El Paso dealer review by Angela Fortaleza

      Angela Fortaleza rated Stogner Auto Sales

      Good customer service, very transparent seller, awesome selection of luxury cars, hence a repeat customer!

    17. buy here pay here El Paso dealer review by Massimo Botello

      Massimo Botello rated No Credit Motors

      Best place to finance cars! Great service definitely check it out!

    18. buy here pay here El Paso dealer review by Moeflavor Cortez

      Moeflavor Cortez rated No Credit Motors


    19. buy here pay here El Paso dealer review by Jesus Moralez King's Living Water

      Jesus Moralez King's Living Water rated Texas Grand Auto World

      Great. Service and nice cars might be getting a BMW for me my two kids El Paso Be Strong as a single Father and minister I have to have something reliable and Reasonable thank you

    20. buy here pay here El Paso dealer review by david fanning

      david fanning rated Texas Grand Auto World

      I bought a car from this location back when it was Thrifty. I recently inquired some information about my vehicle (bought in 2006, mind you) and the current staff has been more than kind to answer my questions. They have even followed up to check if I had any luck finding what I needed on my end. Polite, friendly. If I was still stationed in the area, I'd pay them a visit for my auto needs. I don't say that about any dealership.

    21. buy here pay here El Paso dealer review by Aldo Holguin

      Aldo Holguin rated Francia Motors

      Excellent customer service! I was able to buy my mother in law a great Jeep Compass. The vehicle was delivered after they completed a detailed car wash. They helped me through the whole financing and answered all my questions. They didn’t push me to purchase anything but simply helped me with my needs. I highly recommend them.

    22. buy here pay here El Paso dealer review by Larry Sosa

      Larry Sosa rated Francia Motors

      Best place to buy a vehicle

    23. buy here pay here El Paso dealer review by Gabriel Saldana

      Gabriel Saldana rated Gael Auto Sales

      Great customer service, easy to work with. No matter what your credit is they will work with you. Two purchases from Gael auto sales and I will go back to purchase another one without a doubt. I will recommend them 100%

    24. buy here pay here El Paso dealer review by Estephania Trejo

      Estephania Trejo rated Gael Auto Sales

      Great service and also fast love my car already

    25. buy here pay here El Paso dealer review by Christopher Bauldree

      Christopher Bauldree rated S&S Motors

      Celeste done a terrific job getting us in a car! Great customer service! Very pleased!

    26. buy here pay here El Paso dealer review by Bernice Estrada

      Bernice Estrada rated S&S Motors

      The sales consultant Celeste Stark gave us great customer service. She helped us get ther car we wanted. Its a great place to buy cars really recommend this place

    27. buy here pay here El Paso dealer review by Lisa Marez

      Lisa Marez rated Affordable Car Buys

      Greatpeople hood deal

    28. buy here pay here El Paso dealer review by Corey Saenz

      Corey Saenz rated Affordable Car Buys


    29. buy here pay here El Paso dealer review by Arturo H.

      Arturo H. rated Fiesta Motors East

      They were always looking for a way to help me getting my car, i liked a lot how they treated me

    30. buy here pay here El Paso dealer review by ROBERT ALMARAZ

      ROBERT ALMARAZ rated Fiesta Motors East

      WOW! What an amazing place to buy a car. Coming from Las Vegas, Nevada i was really impressed. I went to a lot of independent dealerships here in El Paso and I was displeased. Fiesta really knows how to take care of their cars. I bought an F-150 from them and ill definitely be going back there for my wife's car. Ask for Andre he was very helpful!

    31. buy here pay here El Paso dealer review by Ruben Avila

      Ruben Avila rated Juniors Auto Group

      Great service beautiful ladies ?

    32. buy here pay here El Paso dealer review by Ana Nava

      Ana Nava rated 4 U Motors

      Have been doing business with them for a while, I bought a 2008 Scion XB and that car is still going strong! I went back to buy another, and they fixed every concern I had before I left with it. I have had financial problems lately and they still work with me and give me chances to catch up. Some people have had bad experiences but I genuinely think they have worked really well with me!

    33. buy here pay here El Paso dealer review by erny garcia

      erny garcia rated 4 U Motors

      well i bought a 2010 charger here and yeah at first i was skeptical about it because of the reviews and on top of that the car broke down a day later. took the car to them and they fixed it within a week but not only that, for the mean time they let me borrow one. I work out of town so sometimes i dont make it to give them the payment and they are really cool and nice about it. Not like other dealerships that keep calling and calling, no, they trust you and understand and wait!

    BHPH El Paso TX dealer

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