Top 19 Buy Here Pay Here Dealers in Elgin IL

Looking for a used car dealer in Elgin IL but your credit is in bad shape?

Connect with top 19 buy here pay here Elgin IL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Elgin'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 Elgin IL



  • Quick Sales Corporation, IL

  • Biggers Mitsubishi, IL

  • Superior Car Credit – East Dundee, IL

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

  • Affordable Autos Inc., IL

  • McGrath Honda of Elgin, IL

  • Hopkins Ford of Elgin, Inc., IL

  • Napleton’s Elgin Kia, IL

  • Did you know? These BHPH Elgin IL 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 Elgin 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.

  • Biggers Chevrolet, IL

  • Elgin Hyundai, IL

  • Mundo auto sales, IL

  • Your Choice Auto Sales, IL

  • Cars Rent 2 Own / Lease 2 Own, IL

  • The phrase buy here pay here Elgin IL 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. Elgin 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.

  • Triangle Auto Sales, IL

  • CPM Motors, IL

  • Carmelo Auto Sales LLC, IL

  • Lopez Auto Sales, IL

  • Why buy here pay here Elgin IL 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 Elgin IL 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 Elgin IL 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 Elgin IL Works

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

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

    The buy here pay here Elgin IL 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 Elgin IL 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 Elgin IL 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 Elgin IL

    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 Elgin IL

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

    While buy here pay here Elgin IL 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 Elgin IL 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.

    Elgin IL buy here pay here Reviews

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

    1. buy here pay here Elgin dealer review by Rachel Clark

      Rachel Clark rated ROSELLE MOTORS INC

      Came in with my husband to buy a car sales rep Rodrigo and Christopher were amazing help with the process and they made it super easy to get a new car. Thank you!

    2. buy here pay here Elgin dealer review by Dalia Idania Perez

      Dalia Idania Perez rated ROSELLE MOTORS INC

      Great experience at Roselle Motor Inc. with Eva Felix. Completely 100% recommend going there. ??

    3. buy here pay here Elgin dealer review by Diamond Bailey

      Diamond Bailey rated CY MOTORS LLC

      Chris is always a great help to me! You can tell he is genuine and doesn't try to get over on people. He was able to work with me on my down payment and my payments while out on maternity leave from work! Forever grateful!!

    4. buy here pay here Elgin dealer review by christopher lewis

      christopher lewis rated CY MOTORS LLC

      Great people I was very happy to get financed. Excellent car with a warranty . Thanks again Alex.

    5. buy here pay here Elgin dealer review by Mohammad Hossain

      Mohammad Hossain rated Quick Sales Corporation

      5 STAR WILL BE AN UNDERSTATEMENT!! This place is exactly like how an ideal dealership should be! Their employees are very professional and knowledgeable about their vehicle. They always have a mechanic available, so if you have any questions, they have the answer. Their vehicles are usually tested by their mechanic before putting for sale. Moreover, they standby their product and provide 15-30 days warranty (depending on the vehicle). My wife had an accident few weeks ago, and we urgently needed a car. After looking them up, checking their website, and talking to the sales person, I was impressed by their professionalism. I decided to drive 5 hours one way to look at Honda Civic Hybrid. The owner is such a wonderful and honest human being. They knew I drove that far for that particular vehicle. Instead of taking advantage and asking higher price, they worked with me and did everything possible to make sure I walked out with that vehicle. I highly recommended them to my family and friends. I wish them good luck with their business because they are honest and professional.

    6. buy here pay here Elgin dealer review by Joe

      Joe rated Quick Sales Corporation

      My wife and I are extremely satisfied with the high quality service we got from Ralph. We were looking for an SUV that would meet our needs. We were able to get a Lexus NX 200t and a great deal on it in less than a month. Ralph provided options and wise suggestions. He is very professional, persistent, and has many years of experience with cars. He is informative and straight forward. I would highly recommend Quick Sales to anyone! Thank you Ralph! It was a pleasure doing business.

    7. buy here pay here Elgin dealer review by Damen Garcia

      Damen Garcia rated Biggers Mitsubishi

      Had a car accident on Monday and my car was deemed a total loss. I was given a settlement but it did not match what I owed on the vehicle. A big thanks to Jim Casey at Biggers Mitsubishi for taking great care of me. He gave me a great deal on a upgraded new vehicle, rolled what I owed into the new vehicle and my monthly payments barely increased. The price was right and the warranties are the best in the industry. Thank you all for such a great experience!

    8. buy here pay here Elgin dealer review by Leah Z

      Leah Z rated Biggers Mitsubishi

      If you are reading this, and thinking about buying a vehicle, just stop now and go see Jim Casey at Biggers Mitsubishi. He made my experience today as smooth and fast as could be!! He is so relaxed, no pressure, very personable, and very accommodating. I would highly, HIGHLY recommend him to anyone looking for a new or used vehicle. . . Thank you for taking such great care of me today Jim :)

    9. buy here pay here Elgin dealer review by Google User

      Google User rated Superior Car Credit – East Dundee

      Very helpful. Answered all our questions helped me get a nice car. Thank you!

    10. buy here pay here Elgin dealer review by Google User

      Google User rated Superior Car Credit – East Dundee

      Very satisfied! I am in a tough situation & you all took a chance on me & for that I am forever grateful! I can't say thank you enough!

    11. buy here pay here Elgin dealer review by Kandice Pruitt

      Kandice Pruitt rated Byrider Dundee

      Great service and great smiles and friendly faces! I’m a Assistant General Manager at Wendy’s so when I go into places I like for great service and here at this location you will! I came into their shop in a uber sent by them and left driving my own car!!

    12. buy here pay here Elgin dealer review by Arturo mendez

      Arturo mendez rated Byrider Dundee

      Very helpful - we did the whole application over the phone. I was in and out of dealership with my vehicle super quick and was very happy with my selection!

    13. buy here pay here Elgin dealer review by Jowanna Manning

      Jowanna Manning rated Affordable Autos Inc.

      Catalina was very fun to work with very good personality. And funny. Mike was very nice full of jokes I was very pleased with my service today walked in and drove out with a very nice and reliable truck. I will recommend them to anyone eventhough they broke me ???? just playing thanks guys at Affordable Autos.

    14. buy here pay here Elgin dealer review by Rosemary Phelan

      Rosemary Phelan rated Affordable Autos Inc.

      This family-owned business is the best one that I've been to! They're honest and go above and beyond to please their customers!!! I bought a vehicle from them recently and they really went balls out to make sure that I was satisfied! Kudos to you Mike and Dick! Nowadays you rarely find good honest people! I will recommend your business to all of my friends and family! You guys are awesome thank you so much!

    15. buy here pay here Elgin dealer review by Ramona LaBon

      Ramona LaBon rated McGrath Honda of Elgin

      I actually enjoyed my experience working with Taylor Horn! She was easy going and not at all pushy. I felt she was honest, knowledgeable and willing to answer my many questions. I would definitely recommend her to anyone and would come back to her for my next car!

    16. buy here pay here Elgin dealer review by Mark Devino

      Mark Devino rated McGrath Honda of Elgin

      Bought my first Honda here in 2014. From Michael Malak I got my second one last year, another Pilot. I don't much care for the auto buying process but Mike made it at least less distasteful. Service here is generally a breeze, with my last two visits handled by service writer Jason. Wish I knew his last name. Seems they always want to add more services than I came in for, but saying no is easy. I like McGrath Honda.

    17. buy here pay here Elgin dealer review by Deanna Hue

      Deanna Hue rated Hopkins Ford of Elgin, Inc.

      Hopkins made my first car buying experience as stress- free as it could get. Elvis was such a great rep! He made sure we were comfortable, answered any question we had and showed exceptional knowledge that helped me make the right decisions. The whole team worked to make sure they were able to do their job and I was able to leave happy and confident in my purchase. Service, atmosphere, and quality: 10/10

    18. buy here pay here Elgin dealer review by Ricky White

      Ricky White rated Hopkins Ford of Elgin, Inc.

      Ken Witz was my contact and he walked me through the test drive and purchase of a used Focus St. He worked with financing to make the deal happen and I couldn't be happier. I didnt get the weird sales vibe experience. Ken was genuine and our conversation was effortless. His personality maked a huge difference.

    19. buy here pay here Elgin dealer review by Manuel Champo

      Manuel Champo rated Napleton’s Elgin Kia

      Hi was in the market looking for an SUV and I came across this car dealer and ever since they send me the information I requested about a car they were so polite and looking to help me at no cost. They made things easier for me and I even send all the documents needed so they can start all the paperwork for me and to have a nice experience When I arrived to the dealer Sheila was waiting for me and have everything set up. She went above and beyond to make sure I got approve and get the car I was looking for.The GM was also very helpful and even set the SUV outside with a ribbon to surprise my wife to when we pick up the car. It was awesome!! Thanks again Sheila!!! Totally recommend this establishment if you are in the market for a great vehicle.

    20. buy here pay here Elgin dealer review by Kim Dodegge

      Kim Dodegge rated Napleton’s Elgin Kia

      Kostya in Sales and John in the service department are so friendly and accommodating! I’m a first time Kia owner and they have excellent customer service! If you are looking to purchase or need a great service department I highly recommend this duo! Thank you

    21. buy here pay here Elgin dealer review by tjprptch tjprptch

      tjprptch tjprptch rated Biggers Chevrolet

      I was in a bind my truck was in bad shape and I wanted to find a newer truck that I could depend on for many more years and Todd, helped me out greatly with finding what I needed. He went above and beyond in many ways to make sure I found a truck that I liked. I was also very impressed with his dedication to making my experience at Biggers one of the best I have had at any dealership. Thanks again Todd the truck is running great!

    22. buy here pay here Elgin dealer review by Katherine Holt

      Katherine Holt rated Biggers Chevrolet

      My buying experience was a positive, comfortable one due to my sales representative, Tom Hess. I haven't had to purchase a vehicle in 10 years and was completely dreading it. Tom was friendly, professional, honest & very knowledgeable. I was not there ALL day like I remember in past purchases. I believe the entire timeframe (test drive & the deal) was 2-2 1/2 hours. I feel confident that I purchased a great car at a good deal! Ask for Tom Hess! You won't regret it!

    23. buy here pay here Elgin dealer review by Laurie Kreger

      Laurie Kreger rated Elgin Hyundai

      I made an appointment for a service and was able to get an appointment at a convenient time for me. The service dept was very friendly and helpful and very mindful of cleanliness and social distancing that we have to be aware of. My car was done at the time they said it would be and I am happy with this dealership and their service dept. Thank you very much!

    24. buy here pay here Elgin dealer review by Chris Braconier

      Chris Braconier rated Elgin Hyundai

      When you are looking for your new Hyundai - go to Elgin Hyundai and ask for Lou Mocnik! You can even just start on the phone with him and he will get on what you are looking for. This is my 2nd Sonata purchase with Lou and both transactions were pretty painless. I would also recommend the 2020 Sonata Limited - the most technically advanced vehicle in the Hyundai fleet. It can pretty much drive itself.

    25. buy here pay here Elgin dealer review by Brenda C

      Brenda C rated Mundo auto sales

      GREAT SERVICE!!! everyone is so nice and very helpful very friendly we walk out really happy with our purchase they work really hard to get you the best deal and what you want. they go beyond to help the customer Ricardo was our sales person and his super nice and helpful treats you like a forever good friend they all speak Spanish... REALLY RECOMMEND THIS PLEASE..

    26. buy here pay here Elgin dealer review by Adriana Cordero

      Adriana Cordero rated Mundo auto sales

      Great service and friendly people specially Victoria very helpful and great to close deals .! Walked out with what I was looking for ! Thank you

    27. buy here pay here Elgin dealer review by Martell Bailey

      Martell Bailey rated Your Choice Auto Sales

      I visited to purchase a minivan for my wife and growing family. I had the pleasure of working with Andres. He was professional, positive and helpful with the process. I would definitely recommend him and the team at this location. From the sales floor to management, everyone was respectful and helpful. Not too many places operate this way, so it was worth my time and completing this review.

    28. buy here pay here Elgin dealer review by Amber Barringer

      Amber Barringer rated Your Choice Auto Sales

      I met with a wonderful lady. Mariana was awsome. She is super nice. All the cars we drove were in great conditions. I came and got what i wanted and they lowered my price to keep it in the range we were looking to spend. Best experience at a car dealership. Will come back!!!!

    29. buy here pay here Elgin dealer review by Ms. Adams

      Ms. Adams rated Cars Rent 2 Own / Lease 2 Own

      I'm extremely happy with my experience with Absolute. They made my car buying experience easy and actually enjoyable. The staff have always been personable and friendly and responded in a timely manner to all of my questions and concerns. I would definitely purchase from them in the future.

    30. buy here pay here Elgin dealer review by Jaquetta Johnson

      Jaquetta Johnson rated Cars Rent 2 Own / Lease 2 Own

      I have no problems

    31. buy here pay here Elgin dealer review by Greg Sohns

      Greg Sohns rated Triangle Auto Sales

      Best place to buy a quality used car, i woudn't go anywhere else

    32. buy here pay here Elgin dealer review by paul gac

      paul gac rated Triangle Auto Sales

      Need a good deal on a vehicle? This is the place to go. Talk to Joe, or Leo.

    33. buy here pay here Elgin dealer review by Jessica Turner

      Jessica Turner rated CPM Motors

      Bought a car there had great experience

    34. buy here pay here Elgin dealer review by antonio ortiz

      antonio ortiz rated CPM Motors

      Very attentive ! And the vehicles there are in super great shape . Definitely recommend

    35. buy here pay here Elgin dealer review by Dereck Mazargo

      Dereck Mazargo rated Carmelo Auto Sales LLC

      Muy bien recomendado a todos

    36. buy here pay here Elgin dealer review by Michael Fischer

      Michael Fischer rated Lopez Auto Sales

      Great place to buy a car. Tim ( the owner) was fantastic to work with and I'd buy from him again. Straight up and honest....a rarity in that business. Highly recommend them

    37. buy here pay here Elgin dealer review by George Mihaiu

      George Mihaiu rated Lopez Auto Sales

      Stryker had the car I wanted for the right price. PLUS -- they were easy to work with. Great experience!

    BHPH Elgin IL dealer

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