Top 19 Buy Here Pay Here Dealers in Fort Collins CO

Looking for a used car dealer in Fort Collins CO but your credit is in bad shape?

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

  • Watchdog Automotive: Your Old Town Auto Brokers, CO

  • Colorado Motor Car Co., CO

  • Mr Auto Inc., CO

  • Cutting Edge Automotive, CO

  • Pedersen Toyota, CO

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

  • Auto Warehouse, CO

  • Cactus Hill Auto Sales, CO

  • Finish Line Auto Sales, CO

  • Fort Collins Nissan, CO

  • Dellenbach Motors, CO

  • Did you know? These BHPH Fort Collins CO 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 Fort Collins dealership. The financing will actually be handled directly by the lending institutions that finance many different kinds of auto loans. Therefore, the buyers will never even have to step foot into a dealership to get the job done. The financing will be offered to them at the comfort of their own residence. Buyers are never under any obligation whatsoever to purchase anything from this particular dealership. As long as they can afford the payments, they can choose to buy here pay here.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • Weston Auto Gallery, CO

  • Spradley Barr Ford, CO

  • A & Z Import Auto Sales, CO

  • Fort Collins Dodge Chrysler Ram, CO

  • Horsepower Auto Brokers, CO

  • The phrase buy here pay here Fort Collins CO 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. Fort Collins 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.

  • HM Brown Fort Collins | Northern Colorado Auto Brokers, CO

  • Dellenbach Subaru, CO

  • CarHop Auto Sales & Finance, CO

  • North College Motors, CO

  • Why buy here pay here Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO Works

    When the bank says no to your car loan, the buy here pay here Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO Car lots Dealership

    The one thing is very true about buy here pay here Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO – Fast Approval Low or no credit score

    The buy here pay here Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO 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 Fort Collins CO

    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 Fort Collins CO

    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 Fort Collins CO, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Fort Collins CO 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 Fort Collins CO 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.

    Fort Collins CO buy here pay here Reviews

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

    1. buy here pay here Fort Collins dealer review by Elizabeth Ramirez

      Elizabeth Ramirez rated Watchdog Automotive: Your Old Town Auto Brokers

      Highly recommend Watchdog automotive. As a women with not a lot of car buying knowledge I really was able to trust Jo at Watchdog. He was very patient, upfront and honest with me and took his time to explain everything that I didn’t understand. Communication was great. There was no pressure and all of my needs were considered. I really trust these guys. Thanks again! I love my new car. Will recommend Watchdog to anyone in the market for a car.

    2. buy here pay here Fort Collins dealer review by Michael Hoffman

      Michael Hoffman rated Watchdog Automotive: Your Old Town Auto Brokers

      Great way to purchase a Used or New car. Mike H. had great customer service. I saved almost 5000 dollars on a 2009 Rav4. The only way to purchase a car!!

    3. buy here pay here Fort Collins dealer review by Katelin Rollins

      Katelin Rollins rated Colorado Motor Car Co.

      ABSOLUTELY AMAZING! I tragically crashed my car on Christmas morning. Unfortunately it was TOTALLED. The car was a gift I received from my mom and dad about three years ago, it definitely served it purposes. I contacted the owner Mark and he was more than willing to help me out. He took into consideration that I am a single mom who needed a family car, one that was reliable and large enough for us. He was able to see us the very next day and had a Beautiful 2001 Toyota Highlander ready to show us. I was blown away by the fact that he was willing to work with me to find a car that exceeded my expectations on such short notice. We were able to proceed with the paper work, which by the way was very swift and not what I expected. I am a first time buyer and always dreaded hearing about other experiences people have had. However this process was very easy and mark managed to get my monthly payments within my budget. I was able to drive my very first car off the lot that DAY! I am beyond grateful to him and would highly recommend if you are looking to buy a reliable car. Stop into the lot and have your expectations met. I will recommend this car lot to anyone who needs a new car.

    4. buy here pay here Fort Collins dealer review by Jeffrey Carley

      Jeffrey Carley rated Colorado Motor Car Co.

      Mark and Steve were very helpful and friendly from the start. They worked with us to get a great deal on a family truck. We will definitely be back the next time we are in the market for a car. This is an honest and up-front car dealer.

    5. buy here pay here Fort Collins dealer review by Julie Rogers

      Julie Rogers rated Mr Auto Inc.

      this is my moms handle i am her son Zach Rogers. I got my first car at Mr Auto its a 2004 greyish black Honda accord. I cant say how much i love this car it works fantastic and gets me where i nee to go. if you want to buy a great car for an affordable price go to Mr Auto!

    6. buy here pay here Fort Collins dealer review by H6Havok .

      H6Havok . rated Mr Auto Inc.

      Bought a Honda Ridgeline from here. Took it to California and back with the only problem being a headlight going out. Super happy with my purchase. So much so that when my girlfriend was looking for a car, we went back here and got her a Civic. Great place, highly recommended.

    7. buy here pay here Fort Collins dealer review by Marissa Nelson

      Marissa Nelson rated Cutting Edge Automotive

      Always great service. The guys will make sure the job is done right. If you're in the market, they go out of their way to find the car you want!

    8. buy here pay here Fort Collins dealer review by James Grayson

      James Grayson rated Cutting Edge Automotive

      Just moved to the area last year and I’m really happy I found this place. My wife and I both have used foresters and I previously owned 3 WRX’s, all of which have needed some kind of work. Of the multiple shops I’ve dealt with in the past these guys at cutting edge are the best. They are super helpful and a pleasure to deal with and they are now my go to shop.

    9. buy here pay here Fort Collins dealer review by Mike

      Mike rated Pedersen Toyota

      I purchased a used truck from Pedersen Toyota last week and my parents had purchased their last vehicle from them as well. I love my (new to me) truck, it runs extremely well thus far and is exactly what I was looking for. From start to end the buying process was easy and convenient. I dealt with Andrew, the Internet/Fleet Sales Manager; he was very courteous and helpful throughout and didn’t pressure me whatsoever. He was happy to get me a report on all of the mechanical work the dealership had done previously on the truck and was willing to frankly and realistically discuss the price when I decided to purchase it. They happily held the truck for 24 hours while I arranged my payment. Andrew made sure I was happy with my purchase and made it clear that Pedersen Toyota would bring my truck up to passable emissions standards if it didn’t pass. (It passed with flying colors). I have already recommended Pedersen Toyota to my coworkers and will definitely be purchasing my future vehicles through their fine establishment.

    10. buy here pay here Fort Collins dealer review by Julie A Zagorski

      Julie A Zagorski rated Pedersen Toyota

      There should be a 10 star rating for Pedersen Toyota and their staff. Truly a personal experience with lots of care, attention and a vehicle that is a perfect fit for my needs. Jeff C went the extra mile staying in touch till my timing was right and helping me close the deal. All the staff I encountered were super friendly, respectful and helpful. It made the whole car buying experience pleasant and I felt valued when finished. I highly recommend Pedersen Toyota and will return for my next purchase too.

    11. buy here pay here Fort Collins dealer review by taylor lantzy

      taylor lantzy rated Auto Warehouse

      Waited a whole year to post.. but bought a truck from Mike and the gang here, best car buying experience I have ever had. Great customer service, no pressure sales, and awesome deals on cars. Would definitely come back.

    12. buy here pay here Fort Collins dealer review by Christopher Randall

      Christopher Randall rated Auto Warehouse

      Had the pleasure of dealing with Michael Santopadre, and just want to say it was the most relaxed and enjoyable truck buying experience I've had. He was just a genuine guy who was being real and grounded. The process was smooth and easy, just be prepared to add to your insurance policy same day if you're looking to leave with a car and have recent paystubs. Again, no pressure, and honest answers with Michael. was lucky to do business with him.

    13. buy here pay here Fort Collins dealer review by Jay Ohalloran

      Jay Ohalloran rated Cactus Hill Auto Sales

      We have bought 2 vehicles from Phil , this guy is top ! He does not sell junk , if he does not have what you want on the lot he will find you one. There is no reason to go anywhere else.

    14. buy here pay here Fort Collins dealer review by Junior Islas

      Junior Islas rated Cactus Hill Auto Sales

      Very reasonable prices, good clean cars good Auto Broker ...Phil is great at what he does, the best in town..

    15. buy here pay here Fort Collins dealer review by kim bashaw

      kim bashaw rated Finish Line Auto Sales

      Great experience, down to earth, not pushy and very knowledgeable on the vehicles, smooth process and quick......Thanks Mike for the great ram 3500!

    16. buy here pay here Fort Collins dealer review by D Shizzle

      D Shizzle rated Finish Line Auto Sales

      This was an excellent car buying experience. The price was great, the process was simple and I couldn't be happier with my car! Thanks for making this process so easy and painless Mike!!

    17. buy here pay here Fort Collins dealer review by James Stewart

      James Stewart rated Fort Collins Nissan

      We had a wonderful experience from start to finish at Fort Collins Nissan. Our salesperson Jessica Stevens was knowledgeable and informative during our visit and made the experience so pleasant. Financing was quick and easy. All around great experience and we look forward to doing business with them again.

    18. buy here pay here Fort Collins dealer review by Aaron Malvern

      Aaron Malvern rated Fort Collins Nissan

      I have been taking my Nissan Juke here for years and NEVER had a bad experience. Everyone in there is so helpful and I really appreciate that fact. They will do whatever they can to get you out of there with little troubles, especially Brandon. Thanks guys!!

    19. buy here pay here Fort Collins dealer review by Jamie Sybert-Hubby

      Jamie Sybert-Hubby rated Dellenbach Motors

      Everyone here is friendly and courteous. Jodi assisted me in vetting my vehicle in for repair. She kept me updated and informed. Thanks for taking care of me and my family.

    20. buy here pay here Fort Collins dealer review by Holly Chavira

      Holly Chavira rated Dellenbach Motors

      By far one of the best car buying experiences my husband and I ever had. We had the pleasure of working with Julia Ware and she was absolutely amazing. She was not your typical car sales person. She was patient, she was so nice, not pushy what so ever and really took the time to work with us. Any time we would make an offer Dellenbach would totally work with us and made buying our truck so easy and stress free. My husband and I kept telling ourselves over and over "Is this real life? How are they so nice?". From here on out we will be purchasing all of our vehicles from Dellenbach and will be recommending them to anyone! Thank you Julia, we appreciate you!

    21. buy here pay here Fort Collins dealer review by Kevin Kirsch

      Kevin Kirsch rated Weston Auto Gallery

      Really liked my experience the first time, I took my second car in. Peter and Joe are really good, dependable, turned my vehicles around super fast with impressive results. I will use Western Auto Gallery for all my cars because of their integrity and excellent customer service. I found my mechanic for an engine rebuild too! True Car Guys!

    22. buy here pay here Fort Collins dealer review by Bill Payne

      Bill Payne rated Weston Auto Gallery

      I have a 2008 Jaguar XK Convertible and I was looking for a reputable automotive mechanic to work on it. I was very pleased at Weston Auto Gallery. The service was prompt and professional. I enjoy working on my car myself, but for those things that I cannot do, this is my go to place.

    23. buy here pay here Fort Collins dealer review by Shannon Craig

      Shannon Craig rated Spradley Barr Ford

      I worked with Irwin who was absolutely fantastic through the whole process. He was fun, friendly, easy to work with and helpful in getting me into the vehicle I was looking for. He is very knowledgeable in what he does and had a ton of information to help answer all of my questions. He took to time to make sure I was getting exactly what I wanted and at the best deal I could find! I really appreciate the Irwin wanted to help me find what I was looking for and wasn't pushy or trying to sell me something I didn't want, like I have experienced in the past with other dealerships. His supervisor Anthony was great at working to get me approved to finance the truck of my dreams. Ford sells a quality truck and Spradley Barr got me into my dream truck at a great price. Bill in finance was very thorough and efficient getting me through the signing. I am so thankful for the whole team here and all of their help getting me into my truck. I am so happy with it!!

    24. buy here pay here Fort Collins dealer review by George Hoffman

      George Hoffman rated Spradley Barr Ford

      I'm on my 4th Ford pickup. I've been to dealerships for service in Denver, Greeley and Fort Collins. I have had a lot of experience with service advisors over the years. My service advisor, Kelsey, is one of the best I've ever had. She has excellent communication and service. I trust her with my pickup. Kelsey is meticulous with details and makes sure everything is done to my satisfaction. Kelsey is a valuable teammate to your service department. I've had numerous advisors with your location and I've been frustrated with your turnover. Please keep Kelsey around! I will continue to use your dealership for service if she is there. Feel free to contact me for any further inquiries.

    25. buy here pay here Fort Collins dealer review by Ms Bennett

      Ms Bennett rated A & Z Import Auto Sales

      Hussain was honest and friendly. He was patient and up front about everything. He did not pressure us at all and encouraged us to take our time. I will definitely go back when the need arises. He treated us right though the whole experience. My son was in the market for his first car, and we are on a tight budget. Getting a budget friendly car that is also reliable is a huge blessing and very unique in the used car world.

    26. buy here pay here Fort Collins dealer review by guillermo patino

      guillermo patino rated A & Z Import Auto Sales

      Bought a 4X4 07 Toyota Tundra Truck from Hussain back in May do to moving here in Fort Collins CO. Hussain took well care of me when I walked in the lot. He saw I liked 2 trucks and when I decided on the one he held it for me while I got my funds together. He said the truck is mine and will not be sold to anyone else. From what I saw all it needed was a new radiator and still did the purchase. Hussain took care of me even afterwards when I ran into missing paperwork that I lost after purchase. He took great care and helped out. Was always offering extra service. Used the truck for traveling and going up Vail Pass in the Rockys. Oh man that was a sweet truck in the snow drops last weekend. Took my truck into service about a few weeks after purchase and yup Radiator was the only problem. Cost me 300 dlrs but already knew that from purchase at the lot. Since then no problems. Took the Truck to Los Angeles and back to Fort Collins. Still need some upgrades I want to do but all in time. Like I said. Hussein been very helpfull and will be the first place to look for a new Truck. I am a satisfied customer. Now to look for upgrades for my truck. Thank you Hussein.

    27. buy here pay here Fort Collins dealer review by Danja Barber

      Danja Barber rated Fort Collins Dodge Chrysler Ram

      I always have such a good experience servicing my pickup and going through this dealership for any issues I have had! They have gone over the moon for me on many occasions and I appreciate doing business with them! Meghan is who I call and go through for setting up all my appointments & she always makes sure I am 200% happy! After many occurrences of dealing with issues with people in the service department at other dealerships in the past I am so lucky to have Meghan to go through! If anyone is ever needing anything with their cars I always suggest the Fort Collins Dodge!

    28. buy here pay here Fort Collins dealer review by Steven Gonzalez

      Steven Gonzalez rated Fort Collins Dodge Chrysler Ram

      Staff in service department are extremely knowledgeable. Chris Gazzi is very helpful and friendly. He will put aside whatever he is doing in order to look at any concern of a customer. He is a very talented technician who puts the customer first. He is an excellent representative of this Dealership, and should be appropriately recognized and compensated. Other staff should model themselves after Chris.

    29. buy here pay here Fort Collins dealer review by Dick Ducic

      Dick Ducic rated Horsepower Auto Brokers

      Would definitely buy a car from Ben. He is honest and straightforward about the cars. He did everything he said he would do. Very happy with my Xterra.

    30. buy here pay here Fort Collins dealer review by H Moore

      H Moore rated Horsepower Auto Brokers

      Got an awesome car from an awesome guy, thanks Ben!

    31. buy here pay here Fort Collins dealer review by Mike M

      Mike M rated Dellenbach Subaru

      I bought my very first brand new car from Subaru, it was a custom 2019 Subaru sti. The staff wasn't pushy at all and answered every question I had with a lot of detail. I highly reccomend buying from them. Thank you guys! I love my dream car thanks to you. (Jeremy Is awesome)

    32. buy here pay here Fort Collins dealer review by Shea Hurr

      Shea Hurr rated Dellenbach Subaru

      Great car buying experience!! Everyone was super friendly and made me feel like a part of the Dellenbach family!!

    33. buy here pay here Fort Collins dealer review by Camille Smith

      Camille Smith rated CarHop Auto Sales & Finance

      Sheali was absolutely spectacular!!!!! She was so efficient & truly provided quick and easy service. Made the car buying process such an ease. I'm so thankful we we're fortunate enough to have such an understanding person to assist us.

    34. buy here pay here Fort Collins dealer review by Jen Karagianes

      Jen Karagianes rated CarHop Auto Sales & Finance

      I love working here, we have the best customers and employees at the Fort Collins, CO location. We get to do the feel good customer service job and assist with making it easier and less stressful when purchasing a vehicle. It's great knowing that we can make a difference. Carhop extends its caring and genuine service duties above and beyond by participating in community Carhop Cares and donate not only time, but making beautiful memories. We are a happy staff that truly cares to get you into a car that runs great and that you can afford and enjoy with your friends and family. If you ever get a chance, please feel free to stop in anytime and see if we can get you driving too!!! Aloha and Mahalo--

    35. buy here pay here Fort Collins dealer review by Madi Kiernan

      Madi Kiernan rated North College Motors

      Bought a truck today, have yet to see how it holds up but super happy with it and what I paid for it. Dealer was workable on the price and let us test drive it as well as get an emissions test done before purchase. Overall very satisfied!

    BHPH Fort Collins CO dealer

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