Top 18 Buy Here Pay Here Dealers in Eugene OR

Looking for a used car dealer in Eugene OR but your credit is in bad shape?

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

  • Crescent Automotive 2, OR


  • Northwest Auto Group, OR

  • Oregon Roads, OR

  • FM Jones and Sons, OR

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

  • Pacific Cars & Trucks, OR

  • Kendall Toyota Used, OR

  • Sheppard Motors, OR

  • Dan’s Automotive, OR

  • Kendall Budget Sales, OR

  • Did you know? These BHPH Eugene OR 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 Eugene 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.

  • Auto Success, OR

  • Success Auto Sales, OR

  • Hertz Car Sales of Eugene, OR

  • Crescent Automotive, OR

  • Kiefer Mazda, OR

  • The phrase buy here pay here Eugene OR 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. Eugene 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.

  • Neill’s Wheels, OR

  • Paul’s Auto Sales Oregon, OR

  • Hyland Auto Sales, OR

  • Why buy here pay here Eugene OR 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 Eugene OR 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 Eugene OR 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 Eugene OR Works

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

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

    The buy here pay here Eugene OR 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 Eugene OR 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 Eugene OR 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 Eugene OR

    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 Eugene OR

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

    While buy here pay here Eugene OR 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 Eugene OR 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.

    Eugene OR buy here pay here Reviews

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

    1. buy here pay here Eugene dealer review by Jolene C

      Jolene C rated Crescent Automotive 2

      Amazing friendly, honest, and no pressure sales!

    2. buy here pay here Eugene dealer review by Patricia Cokel

      Patricia Cokel rated Crescent Automotive 2

      Honest and very easy to work with. Passes on his savings to the customer. Quality vehicles. Straight to the point. Made a bad situation a good experience. Full of information . I will return here in a year to purchase another car. Great experience close to home. Thank you Freedom Auto Inc.

    3. buy here pay here Eugene dealer review by Daryl Chen

      Daryl Chen rated PRIDE MOTORS

      Pride Motor offers a wide range of cars of various types for consumers. I was doing pretty well with Jonathan, he’s professional, patient and easygoing. It took just one hour to drive my favorite Cadillac away. They ll do all of the paperwork for you, clearly and carefully. I highly recommend Pride Motor, just come by if you need a ride!

    4. buy here pay here Eugene dealer review by Linsey Tracy

      Linsey Tracy rated PRIDE MOTORS

      Jonathan was awesome at working hard to find me a finance option! He was honest and helpful through the entire process and had everything ready for me since I’m not from town. I highly recommend Pride Motors for anyone looking for a nice car and helpful salesman. I am very impressed with how clean, and well kept his vehicles are for the prices!

    5. buy here pay here Eugene dealer review by Elaine Sorensen

      Elaine Sorensen rated Northwest Auto Group

      Just finished my second transaction with Brian at Northwest auto group. I highly recommend Northwest Auto group, high levels of integrity, customer service, and a great low-pressure atmosphere. If you are shopping for a car or have one to consign I would definitely recommend checking them out.

    6. buy here pay here Eugene dealer review by Sarah Olivia

      Sarah Olivia rated Northwest Auto Group

      I had a seamless experience buying my car through them. Brian even agreed to get the AC unit checked out and then fixed it when I mentioned it might be going out! Such a trustworthy and caring business that I definitely recommend.

    7. buy here pay here Eugene dealer review by Suzy Q

      Suzy Q rated Oregon Roads

      Carey was our salesman. He was upfront and honest. He printed the vehicle's carfax report and gave us a copy. We took a test drive without anyone tagging along. The price was reasonable.The office is wheelchair accessible, but the restroom door is not.

    8. buy here pay here Eugene dealer review by Xander Taylor

      Xander Taylor rated Oregon Roads

      I had my first experience buying a car from Oregon Roads yesterday. I doubt I'll buy a car any other way again. It happened that they had just the car I wanted sitting on their lot. I walked in and test drove. Their listed price was already in the fair range according to Kelly Blue Book. I proposed a number on the lower end of that range which they accepted. We filled out the paperwork and I drove off. It was the most fun I've ever had buying a car. Alisha was wonderful to work with. Whether you're buying new or used, buy with Oregon Roads. You will be instantly loyal, as I now am!

    9. buy here pay here Eugene dealer review by Jackie Comer

      Jackie Comer rated FM Jones and Sons

      Never had a bad experience at FM Jones and Sons. This is our 8th car our family has bought from them. The sales people are great, the finance guys are awesome and Dean is the best. Highly recommend them to everyone! Thanks a lot guys!

    10. buy here pay here Eugene dealer review by Rebecca Simpson

      Rebecca Simpson rated FM Jones and Sons

      I just got a 2012 Dodge journey this weekend the guys here were SO HELPFUL and it was the best experience I could have had for a first time buyer they worked with me on everything and made sure that I left happy and safe! Great attitudes and a great business I would reccomend them to anyone! :)

    11. buy here pay here Eugene dealer review by Al'ayla moon

      Al'ayla moon rated Pacific Cars & Trucks

      I traveled 400 miles to go see them. The vehicle I needed was something with good fuel economy and seats at least seven. Now I have a beautiful Toyota Highlander 2008. Its features are amazing its fuel economy awesome. The vehicle was a bit past my budget but he worked to make the payments low enough that it won't be hard to pay them off. And he got me a gold standard warranty for the next 5 years. Overall I'm ecstatic.

    12. buy here pay here Eugene dealer review by shadee Willis

      shadee Willis rated Pacific Cars & Trucks

      Excellent company, excellent staff, excellent inventory. If you need a new truck or car, and fellows willing to work a deal, this is the place. Just south of beltline on hwy 99

    13. buy here pay here Eugene dealer review by Wayne Dillon

      Wayne Dillon rated Kendall Toyota Used

      2nd purchase here. Ron is an exceptional sales consultant. Will. Be a 3rd purchase when the time comes

    14. buy here pay here Eugene dealer review by Rebecca Lindstead

      Rebecca Lindstead rated Kendall Toyota Used

      Paula Lente is a WONDERFUL sales person. She really knows her stuff, listens and helps make wise decisions. Go see her!

    15. buy here pay here Eugene dealer review by Anne McGinley

      Anne McGinley rated Sheppard Motors

      Had a great experience buying a Sonata from Sheppard Motors ten years ago. Great car, it's still going strong. Wanted a new car and, ten years later, had another awesome customer experience at Sheppard. Val is simply a great guy and worked to get us the new Tucson we wanted at a very good price - actually $2,000 less than what I said I was willing to pay. The finance guy and the manager were also genuinely friendly and helpful. Definitely recommend.

    16. buy here pay here Eugene dealer review by miguel aguila

      miguel aguila rated Sheppard Motors

      Amazing service! Great team of professionals who know how to treat and take care of customers! Ask for Mark Roberts! He’ll get you squared away with nothing less of a smile and great attitude to make sure you leave happier than when you walked in! Highly recommend this dealership. You won’t be disappointed. Thank you guys!

    17. buy here pay here Eugene dealer review by Larry O'Connor

      Larry O'Connor rated Dan’s Automotive

      I have been to quite a few car lots in my 40 years of driving from Oregon all the way to the east coast, and, honestly, I've never been to one like Dan's. I went there thinking it was going to be just another car lot but boy, was I wrong. I first met Kirk and he was super friendly helping me to pick the best car for what I was needing and letting me know about cars that may not be my best choice. I ended up getting a car and it's been the best decision of my car buying life. They have the best customer service and they really care about their customers, not just to get them out of the lot, but for the whole experience. If you want a lot that will take care of you and treat you like family, then you need to go see Dan. I promise you, you won't regret it.

    18. buy here pay here Eugene dealer review by Courtney Reeser

      Courtney Reeser rated Dan’s Automotive

      Dans Automotive is the best experience I have ever had purchasing a car! Kirk made me feel at home from the moment I walked through the door. They are not pushy like other dealerships and actually listen to your wants and needs. I walked in today and got exactly what I was looking for and left very happy. Great car lot and even better people who work there

    19. buy here pay here Eugene dealer review by Awkward Cat

      Awkward Cat rated Kendall Budget Sales

      If you need a vehicle through financing or just a cheaper vehicle, GO HERE! Talk to Brandon. He is awesome. He and his manager Tony will do their best to get you into a vehicle you love. They helped me out when banks were refusing to give me a loan. I was feeling completely hopeless until Brandon and Tony stepped in to help. I love my 2012 Kia Soul! Thank you, Kendall Budget!

    20. buy here pay here Eugene dealer review by Dumb Whore M

      Dumb Whore M rated Kendall Budget Sales

      Very satisfied and grateful for all the help. Bought a beautiful and wonderful toyota camry from Ron. Great guy! Not the annoying "salesman" type but friendly, funny, and welcoming. Truly a great experience all around and I would absolutely recommend this place to anyone looking for a solid and reliable car!!!

    21. buy here pay here Eugene dealer review by Canyon Amarys

      Canyon Amarys rated Auto Success

      I had a wonderful experience buying my first car here. I needed a car quick and this was the first place I visited. I did financing first to see what I could afford then picked out my car. In and out in a day.

    22. buy here pay here Eugene dealer review by Tony Hewett

      Tony Hewett rated Auto Success

      Bought from them twice now. They're honest and sincere in trying to find you a vehicle that works for you. Highly recommend!

    23. buy here pay here Eugene dealer review by PJ Stacy

      PJ Stacy rated Success Auto Sales

      Great stock and very friendly (not pushy) sales team. That's the reason I came back.

    24. buy here pay here Eugene dealer review by Grant Shwartz

      Grant Shwartz rated Success Auto Sales

      Every time we purchase a vehicle here those guys exceed our expectations. This is our second vehicle from Success Auto Sales in the last 4 years. We always stop by to see what new vehicles they have and boy they have a lot. You can find some amazing deals here. If you need help just let them know and they’re really helpful. If you just want to look alone they’ll do exactly that.

    25. buy here pay here Eugene dealer review by Mike Long

      Mike Long rated Hertz Car Sales of Eugene

      I’ve bought cars from almost every big name lot here in town and Andrew Arnold made my buying experience unforgettable. He really went out of his way to find me exactly what I was looking for. He also was able to get me a great deal!! Andrew didn’t make me feel like he was just trying to put more money in his pocket, like most sales people do. If your looking to buy a car, look no further, you will not get any better service than you will with Andrew.

    26. buy here pay here Eugene dealer review by Angela Turner

      Angela Turner rated Hertz Car Sales of Eugene

      I just purchased a car the other day! Jeff was awesome he helped me every step of the way.Before i even came into the shop. He took the time to explain everything to my husband and I. I was able to get something I wanted with no hassle. Jeff you are aweome!!! Also Brian helped us in the financial department and gave us some good advice on credit building. Thanks guys!!!

    27. buy here pay here Eugene dealer review by fouad mus

      fouad mus rated Crescent Automotive

      We just moved recently to Eugene area, and we were looking around for a family vehicle. And we were so happy to find Crescent Automotive after looking for almost a month. Other places were unprofessional and pricey. This place was fantastic, fabulous and very professional. And they let me took the car to mechanic to check it I would like to thank you very much for your great service

    28. buy here pay here Eugene dealer review by cookie Bannick

      cookie Bannick rated Crescent Automotive

      Excellent service and great willingness to work with people I myself now have a beautiful family vehicle that is a very good car and will sever my family well. I rolled out their lot today with it.

    29. buy here pay here Eugene dealer review by Robert Montgomery

      Robert Montgomery rated Kiefer Mazda

      I was looking everywhere for a new car to fit my family and no other dealership was wanting to to touch me without a cosigner because half my income comes from tips and it's hard to verify. Cameron was able to get me in a car that works for my family as is beyond what I was looking for. I fell in love my new vehicle from the moment I drove it off the lot. The payments they were able to get me were a little higher then I wanted but not out of my budget. Great experience, great service, great car.

    30. buy here pay here Eugene dealer review by Shari Walton

      Shari Walton rated Kiefer Mazda

      Honestly the best car buying experience I have ever had. Got a great deal on a almost new car. Cory the salesperson was amazing. No high pressure sales tactics here. Love my new car,!

    31. buy here pay here Eugene dealer review by Prairie Jeanette

      Prairie Jeanette rated Neill’s Wheels

      Super Helpful. They answer my questions and really helped me out. A couple places had quoted me ridiculously high prices Or told me I had problems -where I didn't. These guys took care of me at a good price. Trustworthy. Love the car I purchased and how awesome they've been with the small things that have come up.

    32. buy here pay here Eugene dealer review by Parris Baarstad

      Parris Baarstad rated Neill’s Wheels

      I have had the best experience ever buying a vehicle from Neils Wheels! They were amazing at working with me to get me in the truck I wanted. These guys are the absolute BEST! And I recommend them to everyone shopping for a new vehicle. I am very happy with them and will only go through them for any future vehicle purchase. They deserve way more than a 5 star!!

    33. buy here pay here Eugene dealer review by Rueben Madrid

      Rueben Madrid rated Paul’s Auto Sales Oregon

      Best experience buying my new car! Great deal for both parties, I 100/100 recommended giving these guys a call and get into the vehicle of your dreams for the right price. Huge thanks to Hung and the dealership for getting me into the right car for me. Go check these guys out and send them more business!

    34. buy here pay here Eugene dealer review by Samantha Monagon

      Samantha Monagon rated Paul’s Auto Sales Oregon

      They guys here are super helpful and knowledgeable. I got great customer service when I went in with my sister. They were able to find a great car in my sisters budget. Will definitely come back when it's time for a new car!

    35. buy here pay here Eugene dealer review by Melissa Hardy

      Melissa Hardy rated Hyland Auto Sales

      Such a GREAT car buying experience! Gina, & the rest of the team went above & beyond to get me back into a vehicle again! Even offering me rides to & from the lot! This is my 3rd time buying a vehicle at Hyland & I have always had the most pleasant experiences! Everyone is very helpful & do whatever it takes to get you into the car you want! I cannot thank your team enough for all your help & hospitality!! I highly recommend buying your next car from Hyland!!

    36. buy here pay here Eugene dealer review by Carol Cox

      Carol Cox rated Hyland Auto Sales

      Back in August I went to Hylands to finance a car, I have had bad credit and a repossession. They made the whole process easy and comfortable. But that seems pretty regular for car sales, where I was really impressed was yesterday I took my car in for a oil change and they noticed a crack on a piece that caused my coolant to leak out. They brought it to my attention and replaced the part for free for me! It wasn't safe for me to drive without it replaced and currently was not in a position to afford work on my car and they went out of their way to make sure I had a safe car to drive for my daughter and I! I will be going back for my next car, and hopefully with better credit next time!

    BHPH Eugene OR dealer

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