Top 17 Buy Here Pay Here Dealers in Fort Wayne IN

Looking for a used car dealer in Fort Wayne IN but your credit is in bad shape?

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

  • Carplex Fort Wayne, IN

  • Preferred Auto Fort Wayne, IN

  • Preferred Auto Lima Road, IN

  • E-Z Car Credit, IN

  • Premier Auto (North), IN

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

  • Engle Road Auto, IN

  • Byrider Fort Wayne, IN

  • Image Cars Incorporated, IN

  • The Auto Brokers, IN

  • Big City Cars, IN

  • Did you know? These BHPH Fort Wayne IN 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 Wayne 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.

  • Premier Auto (South), IN

  • Ultimate Auto Deals Inc, IN

  • Car Credit Corp, IN

  • Bart’s Car Store Inc, IN

  • Buy Right Auto Sales Inc, IN

  • The phrase buy here pay here Fort Wayne IN 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 Wayne 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.

  • Incredible Car Credit, IN

  • Settle Auto Sales, IN

  • Why buy here pay here Fort Wayne IN 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 Wayne IN 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 Wayne IN 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 Wayne IN Works

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

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

    The buy here pay here Fort Wayne IN 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 Wayne IN 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 Wayne IN 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 Wayne IN

    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 Wayne IN

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

    While buy here pay here Fort Wayne IN 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 Wayne IN 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 Wayne IN buy here pay here Reviews

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

    1. buy here pay here Fort Wayne dealer review by Tyler Krontz

      Tyler Krontz rated Carplex Fort Wayne

      Franklin is the best. He did everything in his power to get a GREAT deal worked out for me. Even with a tough credit situation he was able to get me into a nice 2018 Mazda. HIGHLY recommend.

    2. buy here pay here Fort Wayne dealer review by Tikesha Ford

      Tikesha Ford rated Carplex Fort Wayne

      This is my 3rd Vehicle I have purchased from CARPLEX FORT WAYNE!!! Franklin seems to always get me in something I like and want!!!!

    3. buy here pay here Fort Wayne dealer review by Karen Ball

      Karen Ball rated Preferred Auto Fort Wayne

      Had a wonderful experience buying my car from Preferred Auto on Lima Rd. Paul Parker was my sales Professional. He went above and beyond to help me get my car. I also want to thank Kyle and Dave for their help. It was a very good experince. Everyone was so very friendly and accomodating. Thanks to all.

    4. buy here pay here Fort Wayne dealer review by Kaila Fording

      Kaila Fording rated Preferred Auto Fort Wayne

      Alex Cahill helped me get into a 2013 Honda Civic. Alex was so wonderful, helpful and honest with my boyfriend and I! If you’re looking to buy a car but don’t want pushy salesmen, look here because they are the best

    5. buy here pay here Fort Wayne dealer review by Krissy Carter

      Krissy Carter rated Preferred Auto Lima Road

      Can't say enough great things about our dealings today with salesman Cody and finance manager Jim for helping us get into a "new to us" minivan! We drove over an hour and we were very impressed! Would highly recommend them if you're in the need of a good used vehicle at great prices! Thanks again Cody and Jim for all your help!! I love my new minivan!!

    6. buy here pay here Fort Wayne dealer review by Angela VanBuren

      Angela VanBuren rated Preferred Auto Lima Road

      Ask for Rodney. Tell him I sent you.. (referral bonuses are given!) Love my truck! Rodney found the truck that perfectly fit my needs.

    7. buy here pay here Fort Wayne dealer review by Randy Gerardot

      Randy Gerardot rated E-Z Car Credit

      Excellent customer service!! Very kind and accommodating. Love my car!! They had the perfect car for me and it fit exactly what I needed and was looking for (at a price I could afford!!) sitting right out front as we were walking in. Talk about an answer to prayer!

    8. buy here pay here Fort Wayne dealer review by David Lambert

      David Lambert rated E-Z Car Credit

      The Jared Gallery of Jewelry building is down the street in the Glenbook Square parking lot. E-Z Car Credit is located on the corner of Lima and Coliseum.

    9. buy here pay here Fort Wayne dealer review by Kenton Kilmer

      Kenton Kilmer rated Premier Auto (North)

      We had an awesome experience here at Premier Auto Group. Our sales guy Kevin was great during the whole experience. He wanted to make sure that we could be approved BEFORE he showed us any car. Then gave us several options to choose from and didn't try to get us into something we did not want. Definitely coming back for another vehicle. Maybe a nice Ford Ranger.

    10. buy here pay here Fort Wayne dealer review by Dale McCord

      Dale McCord rated Premier Auto (North)

      Thank you Kevin! This was the best , easiest, and pleasant experience I’ve ever had with a car dealership. I’m very happy with everything! I look forward to doing business with you and Premier Auto in the future! 5 stars! You know I’m happy when my daughter is happy! She loves the car! No complaints would recommend Premier Auto to anyone!!! Thank you again to all involved!

    11. buy here pay here Fort Wayne dealer review by Richard Watkins

      Richard Watkins rated Engle Road Auto

      I purchased a box truck from engle road auto, and I was very happy with all the staff. They were informative and honest. I would buy from them again.

    12. buy here pay here Fort Wayne dealer review by James Bromwich

      James Bromwich rated Engle Road Auto

      I've been going.to Engel Road since I moved to Fort Wayne 8 years ago. I appreciate Dave's (and all the staff) no nonsense and honest approach to cars and repairs. You will get a fair deal here.

    13. buy here pay here Fort Wayne dealer review by Ms Shante Hall

      Ms Shante Hall rated Byrider Fort Wayne

      Excellent team! Customer service is definitely a 5 star! They work with you, you are guaranteed to leave with a vehicle!

    14. buy here pay here Fort Wayne dealer review by Austin Fix

      Austin Fix rated Byrider Fort Wayne

      Very respectful and patient staff. I'm very satisfied with my purchase. Thank you byrider staff.

    15. buy here pay here Fort Wayne dealer review by Allie Gaines

      Allie Gaines rated Image Cars Incorporated

      My husband and I LOVED image cars! We worked closely with their salesman Minn. We had an old beat up trade in we needed to get rid of so we could get into a Newer used car ASAP! Their prices were great too! Min helped us get into the car I’ve always wanted at the price that was best for us. Don’t waste your time at the big fancy dealerships! If you want a good deal and great customer service, head over to image cars!!

    16. buy here pay here Fort Wayne dealer review by Nick Wiley

      Nick Wiley rated Image Cars Incorporated

      3 weeks ago, I purchased my beautiful one owner 2013 Honda CR-V EX-L from Image Cars. Chip helped me with the process. I knew what I wanted and everything went smoothly. Chip was very nice. This was the best, least stressful experience I have ever had purchasing a car. They checked the CR-V and topped off all the fluids and gave it an oil change before I took it home. I also love their great selection of Imports. I definitely recommend them to anybody. They have a good atmosphere.

    17. buy here pay here Fort Wayne dealer review by Lisa Flotow

      Lisa Flotow rated The Auto Brokers

      Great place to deal with. Sorry to see the negative reviews. We had a small bump in the beginning but they were quick to resolve any and all concerns of mine. Thank you Mike Flynn for stepping up and handling the issues. You have a customer for life.

    18. buy here pay here Fort Wayne dealer review by Gary Hamilton

      Gary Hamilton rated The Auto Brokers

      When they say don't worry about your credit they are not kidding!!! My nephew asked me to cosign for a car for him and I wanted to help but didn't want to tie up my credit and every other place we went to said that was the only way he could get a car. We gave Auto Brokers a chance and they came through with flying colors. He is driving his own car under just his name at a reasonable rate without a co-signer!!! Glad I didn't listen to all the other dealers!!!

    19. buy here pay here Fort Wayne dealer review by Scott Frey

      Scott Frey rated Big City Cars

      They worked with me to get a vehicle that I thought I would never qualify for. I went in knowing how much a month I could afford and they made it happen. Everyone was very friendly. This was the first time I didn’t feel pressured by a dealership. I will definitely refer my friends and family. Thank you Big City Cars. I love my new SUV!

    20. buy here pay here Fort Wayne dealer review by Greg Wicker

      Greg Wicker rated Big City Cars

      I bought my car here back at the end of February. They were able to get me into a nice car, even with bad credit. As most used cars go, there are normally a few things that are not 100%. My car needed a new gas lid, tire pressure sensor, breaks and door switch. I pointed these things put before I bought it and they helped me fix these issues as an agreement for buying the car. Due to a supplier issue, the gas lid took longer than expected, but they were quick to make it right. Always inspect a car before you buy it. And here at Big City Cars, if you let them know about what you find, they will work with you to make it right.

    21. buy here pay here Fort Wayne dealer review by Thad Hill

      Thad Hill rated Premier Auto (South)

      I was leasing a MKZ from premiere. They always accommodated my needs and I was very satisfied with my purchase.

    22. buy here pay here Fort Wayne dealer review by Elaine Scott

      Elaine Scott rated Premier Auto (South)

      I am a repeat customer and they always treat me fairly. They have an A-1 sales team with great customer service.

    23. buy here pay here Fort Wayne dealer review by brock The blunt smoker 420

      brock The blunt smoker 420 rated Ultimate Auto Deals Inc

      Very nice people and fancy cars and great mechanics I'm helping remodel the place so i know it's done right ???

    24. buy here pay here Fort Wayne dealer review by Bianca Person

      Bianca Person rated Ultimate Auto Deals Inc

      My husband and I drove almost two hours to look at this car place and we were about to walk away with the exact car my husband wanted ! The staff was very nice and professional. And they were able to get us everything we wanted plus more. I would recommend this place to everyone ! They are awesome :)

    25. buy here pay here Fort Wayne dealer review by Herb 2

      Herb 2 rated Car Credit Corp

      Bought a van from them (Corbin) in 2011. Was always great to deal with and understanding if couldn't make a payment on time as long as your up front with them and don't dodge or ignore they try to work with people. After paid it off gave it to my parents. Still running and going down the road today with no major problems. Think I've changed alternator, battery, and the front struts on it. Driven for 8 years with 400 dollars in parts and almost 90 thousand miles put on it. Would take it to Florida tomorrow.

    26. buy here pay here Fort Wayne dealer review by Brianna Bowman

      Brianna Bowman rated Car Credit Corp

      I have bought 2 cars through car credit and they have been amazing both times. I would highly recommend them to anyone .Very easy process and they are so kind!

    27. buy here pay here Fort Wayne dealer review by Marriah Auctavia Whaley

      Marriah Auctavia Whaley rated Bart’s Car Store Inc

      I would rate a 10 if I could! I've never had better service and I've been to Disney World multiple times!!! Between Cory, Don, and Terry, I would go there just to say hi! They truly took care of me when buying an "as-is" car. I love you all! I will be back to get my actual car, and when I'm buying my daughter her first car... im sending everyone I know!.. Thank you so much for your great service!! Love, A Very Satisfied Customer

    28. buy here pay here Fort Wayne dealer review by Adam Hubbard

      Adam Hubbard rated Bart’s Car Store Inc

      Im biased because I work here, but I'll get you a good deal. Just come ask for me :)

    29. buy here pay here Fort Wayne dealer review by pink queen

      pink queen rated Buy Right Auto Sales Inc

      After a month of looking for vehicles we found a couple on their website we liked so we drove the 2 hours and we didn't regret it. All the guys there are nice, answered all our questions & the whole process was pretty easy. Paid cash so they gave us an amazing deal on both cars we bought.

    30. buy here pay here Fort Wayne dealer review by Nora Herrera

      Nora Herrera rated Buy Right Auto Sales Inc

      After driving hours to go to a nightmare of a dealership (Kash Kars), we went to Buy Right Auto and had an amazing experience. The whole staff was extremely helpful and friendly. I highly recommend going to Buy Right Auto any time you are shopping for a vehicle. They make thing so easy and make sure that you are happy when you leave. They even filled up the gas tank on my son's new Ford Flex before we left since they knew we had a log drive home. My family will definitely be returing in the future when shopping for another vehicle. Thanks Buy Right Auto!!

    31. buy here pay here Fort Wayne dealer review by Tone Sheist

      Tone Sheist rated Incredible Car Credit

      These are great dealerS

    32. buy here pay here Fort Wayne dealer review by Hella Good

      Hella Good rated Settle Auto Sales

      Most car dealers are puffers and liars. Not this place! Very fair prices, honest, helpful. Thank you guys for my excellent purchase of my Honda. I love it!

    33. buy here pay here Fort Wayne dealer review by Daniel Kirby

      Daniel Kirby rated Settle Auto Sales

      I have bought several vehicles here (5) over many years . I have never been mislead. They have always been upfront and honest and Ive never been pressured to buy something I didn't want. Nothing but positive things from this dealership ! ! ! They have ALWAYS followed through with what they promised ! And one time they went above and beyond for me. Ill never forget that ! Thank you !

    BHPH Fort Wayne IN dealer

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