Top 24 Buy Here Pay Here Dealers in Florida FL

Looking for a used car dealer in Florida FL but your credit is in bad shape?

Connect with top 24 buy here pay here Florida FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Florida'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 Florida FL


  • DriveTime Used Cars, FL

  • my USA motors – 100% Credit Approval Best Dealership, FL

  • Ray’s Used Cars, FL

  • FacilDeal Auto Center, FL

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

  • Julian’s Auto Showcase, FL

  • Byrider Port Richey, FL

  • Allstar Car Sales, FL

  • DriveNation USA, FL

  • Golden Oldies Auto Sales, Inc., FL

  • Did you know? These BHPH Florida FL 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 Florida 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.

  • Best Automotive LLC Buy Here Pay Here Apopka, FL, FL

  • Cutie Cars LLC, FL

  • I-75 Autos, FL

  • Bill Owens Auto Sales, FL

  • Car Credit, FL

  • The phrase buy here pay here Florida FL 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. Florida 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.

  • Ride and Drive Auto Sales, FL

  • Car Loan Unlimited, FL

  • Friendly Finance Auto Sales, FL

  • Autos Garibaldi Inc., FL

  • Chaney’s Used Cars, FL

  • Lake County Auto Mall, FL

  • Joel’s Auto Sales Inc., FL

  • Buy Here Pay Here of Winter Haven, Florida, FL

  • Gaede Auto Sales llc, FL

  • Why buy here pay here Florida FL 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 Florida FL 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 Florida FL 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 Florida FL Works

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

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

    The buy here pay here Florida FL 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 Florida FL 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 Florida FL 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 Florida FL

    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 Florida FL

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

    While buy here pay here Florida FL 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 Florida FL 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.

    Florida FL buy here pay here Reviews

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

    1. buy here pay here Florida dealer review by Ave Gorham

      Ave Gorham rated USA CARZ INC. BUY HERE PAY HERE (BBB A+ Ratings)

      The owner Ted is a good guy and I’ll explain why. On March 15 I totally lost my previous car. I was in search for a car and was extremely need of one because of work. I had little to nothing to put down and he told me to come on in and sit and talk with him. And on April 16 I did just that and we work some stuff out and I brought my 2005 RVA 4 from him that day. I must say I don’t have no issues with my SUV. He is the type of guy if you honest with him he will go backwards and forwards for you. And I must say his cars are quality and not junk like some used cars. I will definitely will buy another car from him once mines is paid for. Also will recommend him to anybody that’s in need. Good guy!

    2. buy here pay here Florida dealer review by Tyler Oquain

      Tyler Oquain rated USA CARZ INC. BUY HERE PAY HERE (BBB A+ Ratings)

      Bought a 09 Hyundai sonata from ted. great running car clean interior, I absolutely love my car I wouldn't trade it for anything. one of the best buy here pay here lots i have been to. he values honesty and is very professional. I recommend buying from to anyone

    3. buy here pay here Florida dealer review by ROBERTO ROMAN JR

      ROBERTO ROMAN JR rated DriveTime Used Cars

      Had a great experience with Julius. He was extremely professional outgoing and very knowledgeable. He took his time and showed us 3 different vehicles, he answered all my questions which made it easy to pick the right car for my family and I. I never felt pressured to buy, I would recommend Julius and the entire team at this location.

    4. buy here pay here Florida dealer review by Hailley Haton

      Hailley Haton rated DriveTime Used Cars

      Honestly, the entire staff here is amazingly helpful! I worked with Carmen specifically, and she was very attentive over the week that I worked with her and was able to find something I loved that was still in our budget. Literally nothing negative about my experience, the entire team was great and I would definitely recommend them! They were very honest and understanding of my individual situation, and worked with me through everything.

    5. buy here pay here Florida dealer review by zsazsa bodine

      zsazsa bodine rated my USA motors – 100% Credit Approval Best Dealership

      I have never had a better car buying experience, new or used, than I had at My USA Motors. Raz is an exceptional human being that actually cares about his customers. What a novel idea! He goes out of his way to make sure that the vehicle you buy from him totally meets your expectations. He offers a great no-cost warranty and I could not be more pleased with the car I bought from him. He is the friendliest, down to earth, knowledgeable and interesting dealer I have ever dealt with. It was a real pleasure meeting him. I would HIGHLY recommend you visit his dealership before trying anywhere else. 20 stars!!!

    6. buy here pay here Florida dealer review by Dawn Mohammed

      Dawn Mohammed rated my USA motors – 100% Credit Approval Best Dealership

      I highly recommend everyone to buy a car from here. It’s the best there is. Raz is the most honest man I’ve ever met in my life. No bs. Thank you man. My husband is very happy. He loves his new ride

    7. buy here pay here Florida dealer review by David

      David rated Ray’s Used Cars

      All staff was excellent. Very Professional & Very Honest. Would highly recommend to anyone looking for Clean & Reliable used vehicle. Chris & Office Staff & Owner definitely treat you right. Thank you Ray's Used Cars.

    8. buy here pay here Florida dealer review by Shelby ODell

      Shelby ODell rated Ray’s Used Cars

      I just bought my first car on 2/24 and I couldn’t be more happier then I am!! They worked with me as a first time car buyer and helped me so I could have low monthly payments and explained everything that I asked. My family has bought vehicles from them in the past and have never had issues, they are the most reliable company I know!

    9. buy here pay here Florida dealer review by Luis D Vazquez

      Luis D Vazquez rated FacilDeal Auto Center

      Excellent place to buy. Definitely recommend them 100%. Very friendly, humble and extremely knowledgeable. Emanuel and Nick made my deal possible. I am very grateful with all their attentions and help. Thank you so much Facil Deal!!

    10. buy here pay here Florida dealer review by Rideon Deco

      Rideon Deco rated FacilDeal Auto Center

      Wanted a car. Found one I like. Can't afford it will go back

    11. buy here pay here Florida dealer review by Yianni Kakouras

      Yianni Kakouras rated Julian’s Auto Showcase

      Flew all the down from NC just to buy a car from them. It was a particular car so I was skeptical of traveling such a distance before being purchasing. I asked many questions and they all got answered straight up. Made my trip worth while and now I am a happy owner. Recommend them for anyone. Straight up and very kid. They were wonderful to work with.

    12. buy here pay here Florida dealer review by Tommy Henthorne

      Tommy Henthorne rated Julian’s Auto Showcase

      Amazing service! Danny got me rolling away in a car that I didn't even consider that I could afford. They worked with me on the price diligently and were very patient and accommodating. Very happy with my purchase, and will likely be back for my next car as well as recommending them to friends and family!

    13. buy here pay here Florida dealer review by KRS 1

      KRS 1 rated Byrider Port Richey

      Keith in service is one of the best. Any time that I need work on my car, he gets me in and fixes the problem quickly. His customer service is the best and JD Byrider is lucky to have him. Thanks Keith!

    14. buy here pay here Florida dealer review by Michael McDonald

      Michael McDonald rated Byrider Port Richey

      Friendly staff and they have an awesome service bay. Now on second vehicle from here, best place to purchase a good used vehicle! The service department is exceptional, very friendly and knowledgeable about their vehicles.

    15. buy here pay here Florida dealer review by Kirsten Kelley

      Kirsten Kelley rated Allstar Car Sales

      My very first time I came to Allstar, i was worried i would not have good enough credit to get what i needed. I told them exactly what i was looking for and even though they didn't have it on the lot, they had one at another location. They told me that I was approved and I got the monthly payments I was hoping for. When they get cars to put on their lot they have to pass an inspection, so you know you're getting a good quality vehicle. Two years later my husband needed a new car. He found the perfect one for a very reasonable price. This time it wasn't as easy, we had to jump through some hoops. But Debbie Andy and Liz didn't give up on us. They did everything in their power to get us a good deal. Their hard work and compassion is what makes this dealership stand out above the rest. If you're looking for someone you can trust look no further.

    16. buy here pay here Florida dealer review by Patrick Barrett

      Patrick Barrett rated Allstar Car Sales

      Literally the best auto purchasing experience my wife and I have ever had in 27yrs. We are telling everyone we know to go to allstar! Thank you all very much!

    17. buy here pay here Florida dealer review by Jason Stokes

      Jason Stokes rated DriveNation USA

      Seven months ago, I bought a car from DriveNation USA, and I'm still highly satisfied with the experience. The salesman was straight-forward, polite, and easy to work with. He gave me a fair price on a good quality vehicle. The location is nice, not far from the scenic town of Bradenton. I would definitely go back.

    18. buy here pay here Florida dealer review by Teddy Fleming

      Teddy Fleming rated DriveNation USA

      Scott and Jeff were super friendly. The establishment closed at 4 and Scott came back at nearly 8 to help sell us a car. Straight forward, honest guys.

    19. buy here pay here Florida dealer review by Samantha King

      Samantha King rated Golden Oldies Auto Sales, Inc.

      I wanna say thank you to Dean and Rick for making it possible to he in my dream car. I am so happy and thrilled for everything you guys have done. Please if you are in need of a vehicle please give Golden Oldies a call they treat you like family and are willing to do everything they can to get you in your dream car!!! Again thank you so much I am beyond happy!!

    20. buy here pay here Florida dealer review by Rachael Johnson

      Rachael Johnson rated Golden Oldies Auto Sales, Inc.

      On March 5, 2020, I went Golden Oldies Auto. I wasn't looking to buy that day, but I ended up driving off the lot with a 2015 town and country at a great price. They were able to finance me and still kept me within a reasonable monthly payment. I am new to the area, just moved here from Wisconsin 6 months ago. Finding a good dealership is hard on anyone, finding a dealership when you're still learning the area is even a greater challenge. I loved the friendliness and professionalism I encountered. The service was phenomenal and now this will be a lasting relationship with them. My next car I will visit Golden Oldies Auto to purchase.

    21. buy here pay here Florida dealer review by Antonio Torres

      Antonio Torres rated Best Automotive LLC Buy Here Pay Here Apopka, FL

      Great cars Honest establishment Super friendly will buy again from here

    22. buy here pay here Florida dealer review by Becky Barker

      Becky Barker rated Best Automotive LLC Buy Here Pay Here Apopka, FL

      Sean Roche the sales manager is willing to go above and beyond to help with credit issues and get you approved with a low downpayment! All of the cars are newer with low millage. No ticking, no knocking, no funny smells!! Best dealership out of the 20, I visited in the past month!

    23. buy here pay here Florida dealer review by Parisian Man

      Parisian Man rated Cutie Cars LLC

      Ron has been in the car business for decades. His cars are hand picked to insure you reliable transportation. Trades are welcome and financing is available. No pressure family owned. Give them a try.

    24. buy here pay here Florida dealer review by Randy Caputo

      Randy Caputo rated Cutie Cars LLC

      Love the place. Great cars for a good price.

    25. buy here pay here Florida dealer review by chevy J

      chevy J rated I-75 Autos

      First and for most I want to talk the staff at I -75 Autos for entertaining my nephew doing my visit at the dealership. After visiting several dealerships over the past weeks. I chose to work with I - 75 Autos in buying my new SUV, working with Shane was one of the best choices I had made, he reached out to me to make sure that all my questions were answered before I even came to the dealership. He was respectful, understanding and professional from start to finish. He is an awesome person to work with, Shane made the process easy and painless and I am thankful for all that you did for me during my time at the dealership. I recommend you go and visit Shane and the rest of the staff at I - 75 Autos if you are in the market for a new or even another Car, Truck, Van or SUV that you go see Shane over at I - 75 Autos where that make you feel at home. Thank you again Shane for everything that you did for me to make it possible for me to take home my new baby I love it.

    26. buy here pay here Florida dealer review by Lynn Gilmore

      Lynn Gilmore rated I-75 Autos

      Fernando was excellent and the staff was very friendly.

    27. buy here pay here Florida dealer review by AandC Bryan

      AandC Bryan rated Bill Owens Auto Sales

      We had a great car buying experience here. We recommend buying your next used vehicle from Bill Owens Cars! Very nice inventory selection, good deal pricing and professional, knowledgeable service! Our truck was very clean.

    28. buy here pay here Florida dealer review by Mike T

      Mike T rated Bill Owens Auto Sales

      Great people!! Our salesman Gerardo didn't try to sell me on any car, he walked around with me and answered the many questions I had about several vehicles until I made my own mind up. They done everything they could to get me in and out. Again great people and will buy from them again.

    29. buy here pay here Florida dealer review by Stephanie Kulek

      Stephanie Kulek rated Car Credit

      We've bought 3 cars from Car Credit since we've lived in Holiday. Miguel just sold us our last car 6 months ago and we couldn't be happier with it. It's the only buy here pay here place that also gives you a warranty which is a plus. The best part is they will find a car that fits your budget. They stand behind their cars and always help their customers. Buy here and you'll never be disappointed.

    30. buy here pay here Florida dealer review by Maple Max

      Maple Max rated Car Credit

      Miguel and Mike were a great help. Everything was explained in great detail. They were very nice and fun to talk to. Would definitely recommend these guys to anyone looking to lease or buy a car. The office was clean, the cars were clean and I am overall very happy with my experience.

    31. buy here pay here Florida dealer review by Amber Leto

      Amber Leto rated Ride and Drive Auto Sales

      Bought my first car for my daughter here. Gorgeous Camry Hybrid. The hybrid battery started stalling 1 week after we bought and I called to tell them they had me drop it off to be fixed right away. I was shocked to see that a new battery runs $1500 to $1900!!! They fixed it and covered all expenses.

    32. buy here pay here Florida dealer review by Kimberly Davis

      Kimberly Davis rated Ride and Drive Auto Sales

      To anyone looking to get a decent preowned car , go and check them out. My wife and I have purchased 2 cars from Ride and Drive. First car was a 1996 Taurus. Had it 3 years . never a problem. Recently bought a 2004 Suzuki Grand Vitara. Zero issues at all. Tina and Dale are so easy to deal with. Easy to finance. Low weekly payments. Thank you for honesty and reliable vehicles. Next time we need a preowned car. We'll come see you. Joey Davis

    33. buy here pay here Florida dealer review by alejandro cristy

      alejandro cristy rated Car Loan Unlimited

      The owners truly care and help their costumers. You can get a great deal here regardless of your credit. Trust me there, they are my parents!

    34. buy here pay here Florida dealer review by Douglas  McClure

      Douglas McClure rated Car Loan Unlimited

      Best buyhere payhere in central florida

    35. buy here pay here Florida dealer review by Carlos Oquendo

      Carlos Oquendo rated Friendly Finance Auto Sales

      I'm very pleased to say this is much more then a car dealership. Mr. Tom went above and beyond to get my deal done. Big thank you from me to you. I came from Tampa to NPR to buy a 2004 jeep wrangler and it was well worth it. If anyone is looking for a great used car and great customer service don't hesitate to go to Friendly Finance Auto Sales.

    36. buy here pay here Florida dealer review by Lynn Muschong

      Lynn Muschong rated Friendly Finance Auto Sales

      Spoke with Sir Tom, and not only was it good to hear his voice of knowledge and kindness, but once again, he took a second to hear of a recent ride I had recently overcome... Nice and friendly, the downhome way.

    37. buy here pay here Florida dealer review by Claus Langrock

      Claus Langrock rated Autos Garibaldi Inc.


    38. buy here pay here Florida dealer review by Jose Luis

      Jose Luis rated Autos Garibaldi Inc.

      Atención personalizada, comodas instalaciones y gran variedad de vehiculos

    39. buy here pay here Florida dealer review by Randall Metzgar

      Randall Metzgar rated Chaney’s Used Cars

      Great place to buy a car

    40. buy here pay here Florida dealer review by regina Milne

      regina Milne rated Chaney’s Used Cars

      Awesome place to buy your vehicles. I bought a 2019 with 15k miles with a great deal to go with it!

    41. buy here pay here Florida dealer review by Angie Munnaa

      Angie Munnaa rated Lake County Auto Mall

      I had a great car buying experience. Aron made it very easy and convenient for us to get back on the road along with Vasu helping us out a lot!!! We really appreciate it! We will definitely be coming back here for another vehicle purchase. They were both very welcoming and even stayed after hours to make sure we could take the car home the same day! Thanks a lot for the great customer service ? ?

    42. buy here pay here Florida dealer review by Janey Grrrl

      Janey Grrrl rated Lake County Auto Mall

      Aron was great. Helpful, but gave us space when it was obvious we needed it. We definitely left spending more than we thought we would today but we also left with a much better car than we thought we would too. Altogether a great experience.

    43. buy here pay here Florida dealer review by Kelly Edenfield

      Kelly Edenfield rated Joel’s Auto Sales Inc.

      Awesome family company. Good pricing perfect customer service i had great experience. Left in a grest car

    44. buy here pay here Florida dealer review by Maria Gaddy

      Maria Gaddy rated Joel’s Auto Sales Inc.

      Great buying experience. Jennifer was very helpful and patient. Thoroughly explained everything to me. Highly recommended. Thanks for getting me back on the road!

    45. buy here pay here Florida dealer review by Jason Poyner

      Jason Poyner rated Buy Here Pay Here of Winter Haven, Florida

      Everyone was wonderful and helpful

    46. buy here pay here Florida dealer review by Michael Byrnes

      Michael Byrnes rated Gaede Auto Sales llc

      We purchased a 2008 Ford Mustang. The entire process took less than an hour. Dan and his team were very professional and honest. They went above and beyond to make sure we were happy. Thank you, Gaede team!! We will be back soon to purchase another vehicle. Update- We purchased another great car from Dan and his team! Thank you Dan and team we love our Mustangs!

    47. buy here pay here Florida dealer review by Wrap World Creations

      Wrap World Creations rated Gaede Auto Sales llc


    BHPH Florida FL dealer

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