Top 20 Buy Here Pay Here Dealers in Gainesville FL

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

Connect with top 20 buy here pay here Gainesville FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Gainesville'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 Gainesville FL

  • Dealmaker of Gainesville, FL

  • North Florida Motosports, LLC, FL

  • Auto Plaza of Gainesville, FL

  • DriveTime Used Cars, FL

  • Tomlinson Motor Company, FL

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

  • Paul West Used Cars, FL

  • Veneauto Cars, FL

  • First Place Auto Sales, FL

  • Motory Group, FL

  • Select Motor Car, FL

  • Did you know? These BHPH Gainesville 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 Gainesville 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.

  • Autogator, LLC, FL

  • Gator City Motors LLC, FL

  • Magic Imports of Gainesville, FL

  • CarMax, FL

  • Gator City Motors at Waldo Road, FL

  • The phrase buy here pay here Gainesville 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. Gainesville 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.

  • Indi Car Credit, FL

  • Sunrise Auto Rentals and Sales, FL

  • Popular Imports Auto Sales, FL

  • Community Overdrive Auto Sales, Inc, FL

  • Sun City Auto, FL

  • Why buy here pay here Gainesville 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 Gainesville 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 Gainesville 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 Gainesville FL Works

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

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

    The buy here pay here Gainesville 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 Gainesville 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 Gainesville 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 Gainesville 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 Gainesville 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 Gainesville FL, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Gainesville 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 Gainesville 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.

    Gainesville FL buy here pay here Reviews

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

    1. buy here pay here Gainesville dealer review by Gavyn Jones

      Gavyn Jones rated Dealmaker of Gainesville

      I love the Nissan Altima, the Jeep wrangler sport and the Toyota.

    2. buy here pay here Gainesville dealer review by Jody P

      Jody P rated Dealmaker of Gainesville

      It has been six months since we bought our car from Dealmaker. We are very happy with our purchase. They have way above average customer service. We would definitely buy another car from them.

    3. buy here pay here Gainesville dealer review by D.C. Davis

      D.C. Davis rated North Florida Motosports, LLC

      Honesty is the number one reason to continue to do business with anyone, and I send everyone I know to North Florida Motor Sports for that very reason. Frank is one of a kind and his ethics are the reason I will never shop at a conventional used car stealership again. He does something I have never seen a car dealer do...instead of going to auctions and being the high bidder on cheap cars to sit hundreds of them on their lot waiting to make a big profit like a regular dealership, he actually finds the car YOU are looking for with the budget you’ve given him so he can get you the most car for the least money. You will be very glad you worked with him, and once you have you will be just like me, telling anyone who even whispers that they are thinking about buying a used car to GO TO NORTH FLORIDA MOTOR SPORTS!!!

    4. buy here pay here Gainesville dealer review by geertje misset-barnes

      geertje misset-barnes rated North Florida Motosports, LLC


    5. buy here pay here Gainesville dealer review by CJ Vuillequez

      CJ Vuillequez rated Auto Plaza of Gainesville

      Bob is awesome! This was my first time ever buying a car, and Bob made it easy and stress-free. He was super understanding of my budget as a college student and went out of his way to make the process convenient for me. Definitely recommend this place, I love my 2012 Toyota Prius, it is such a great car!

    6. buy here pay here Gainesville dealer review by Evielys Rodriguez

      Evielys Rodriguez rated Auto Plaza of Gainesville

      Hands down Best experience purchasing a car! As to be expected, I was wary of the process of buying/financing a vehicle. Bob and Aria were available, attentive, and professional. They listened to my needs and went above and beyond to make sure that they provided exactly what I needed. I truly couldn't be Happier with my new Car! Amazing service and very affordable. Thank You guys for being so awesome!

    7. buy here pay here Gainesville dealer review by tom myers

      tom myers rated DriveTime Used Cars

      This place made me feel relevant again. I bought a Kia Soul and have had a wonderful experience with my car. This place I would recommend above all others. It is safe to buy from them. We were burned by all the dealerships on Main Street really bad. This place made actually very happy to sign over my hard earned money. They worked tirelessly because my credit is garbage but they got it done.

    8. buy here pay here Gainesville dealer review by Shykesha Baker

      Shykesha Baker rated DriveTime Used Cars

      OMG I'm really happy that I chose DriveTime. Helen is the best ever. She's so friendly, with a fun sense of humor. Ask her any questions, she's got all the right answers. Struggling to find your dream car? She will most definitely help you to find the one that's best for you and right for you. Her customer service is superb. Take it from me, and stop by DriveTime today. The car you're looking for is here!!!

    9. buy here pay here Gainesville dealer review by Famously_A Tolson

      Famously_A Tolson rated Tomlinson Motor Company

      This place is awesome. I have had a long history of high interest rate with high miles on the car. This place changed my experience on car buying. I felt very well taken care of the staff is extra nice and the process was easy. I felt like my account manager Bill was really fighting for my behalf and making sure I got the rates that was comfortable for me.I would defiantly buy another car from here and recommend others to come here.

    10. buy here pay here Gainesville dealer review by Becky Gravely

      Becky Gravely rated Tomlinson Motor Company

      Best car dealership in Florida! Excellent prices and helpful, no-pressure sales staff. Great service department. I wouldn’t buy a car from anyone else.

    11. buy here pay here Gainesville dealer review by Sherrie Kamer

      Sherrie Kamer rated Paul West Used Cars

      My husband purchased a Dodge Ram from here and they have been great in every aspect. We were so happy with the service and quality of vehicles that we also purchased a Lincoln. So far every issue that we have encountered has been addressed. Great service with great vehicles, we would recommend this company to anyone in need of a vehicle.

    12. buy here pay here Gainesville dealer review by followthefez .

      followthefez . rated Paul West Used Cars

      Just bought our family a new Expedition and we couldnt be more pleased! Staff was super friendly , while doing paperwork a staff member came out and shined it like a new penny which was completely unexpected due to it already being shiny! Took a photo of us with it for the dealership , and they made us a great deal. Very happy and highly reccomend!

    13. buy here pay here Gainesville dealer review by Sarah Brown

      Sarah Brown rated Veneauto Cars

      My husband and I had an amazing experience here! The staff were friendly from the moment we pulled in to the parking lot, and we were treated like family. We were able to purchase our vehicle within one visit with Joshua’s help. He was resourceful and informative each step of the process. I give this dealership a 10/10 for customer service and the vehicle selection is great!

    14. buy here pay here Gainesville dealer review by Avis Howell

      Avis Howell rated Veneauto Cars

      Great place to get a vehicle and service go check them out

    15. buy here pay here Gainesville dealer review by Theresa Rodriguez

      Theresa Rodriguez rated First Place Auto Sales

      I helped my nephew buy a car a few weeks ago and after going to many places to search for a used car, I found this dealership refreshing in that they were fair and put no pressure on whatsoever. Office staff was very helpful and the whole thing felt great rather that that yucky feeling you typically get buying a car. Furthermore, the owner Jamal (I believe) pointed out that the headlights were hazy and offered to provide new ones in a few weeks when he received them. He was true to his word and the car looks great. I definitely recommend them!

    16. buy here pay here Gainesville dealer review by Zach Toundas

      Zach Toundas rated First Place Auto Sales

      I got 4 word-of-mouth recommendations for this place prior to my visit. They basically saved our Christmas. Never before have I had such a great experience buying a used car (and I've been charged with sourcing the last 6-8 cars throughout my family). Flawless and understanding customer service, no pressure, flexible, and best deal in town BY FAR. Accurate representation of the great vehicles they are selling, confirmed by my independent mechanic. This week I had visited 14 other used car locations prior, and even the other similarly-rated locations didn't come close to First Place Auto. I seriously can't recommend them enough.

    17. buy here pay here Gainesville dealer review by Nathan Hill

      Nathan Hill rated Motory Group

      Autoflex has NEVER let me down. I've been with them since 2011 and their staff have always been very polite, informative and responsive. The owner is a really great guy, will listen to your needs and try to resolve them fairly. So far I've bought two cars with them because of their quality car service and family friendly atmosphere. For used cars lot I would recommend them any day. Five stars from me.

    18. buy here pay here Gainesville dealer review by Stino Ortiz

      Stino Ortiz rated Motory Group

      Russell worked with me on getting a new car, making sure it was a good fit not only with my style but also making sure I get the best outcome financially. Will definitely do business again in the future.

    19. buy here pay here Gainesville dealer review by Ryan Glanton

      Ryan Glanton rated Select Motor Car

      First word that comes to mind would be “GENUINE” for the company in its entirety. To point a few fingers, Mr. John was amazing! From the very first phone call he was attentive, honest, and completely authentic. Mr Mike round of ??! His experience, patience, and dedication handed away the keys to a great vehicle! To anyone who may read or share, I insist you visit Select Motor Car (Gainesville) for your present or future #TRANSPORTATION...

    20. buy here pay here Gainesville dealer review by Stephen Anderson

      Stephen Anderson rated Select Motor Car

      I have bought numerous cars from Select and have always been amazed as to the quality of the cars, their amazing prices, and unbeatable customer service. I highly recommend you check them out for your next car buying experience.

    21. buy here pay here Gainesville dealer review by John Eric Kochen

      John Eric Kochen rated Autogator, LLC

      Excellent customer service and nice people that make you visit a good experience. I believe it is one of the best choice for you to buy your first car. Try it you will like it

    22. buy here pay here Gainesville dealer review by Yakkuza

      Yakkuza rated Autogator, LLC

      I thought it was impossible to get a new car with my credit but the guys at AutoGator made it easy. Highly recommended

    23. buy here pay here Gainesville dealer review by Sarah Tilton

      Sarah Tilton rated Gator City Motors LLC

      I will go here again if I need a new car. Went there looking for a car for myself. Everything was laid out for me and when I had questions they were answered. I left well informed and they have a free warranty on used cars ( a big deal for me) and cost was less than the large dealerships. Love love love

    24. buy here pay here Gainesville dealer review by Abdi Pimienta

      Abdi Pimienta rated Gator City Motors LLC

      Gator City Motors is a great place to buy a used car. They have good prices and good service. They offer competitive prices along with a 2 year warranty. If you're looking for a car at a fair price this is the best place is Gainesville.

    25. buy here pay here Gainesville dealer review by maura lagares

      maura lagares rated Magic Imports of Gainesville

      Really, a great experience. They Worked amazing even with low or bad credit. It was fast and really good payments. I am in love with my Toyota Sienna, it was in perfect conditions. It was more than what I expected for an used mini van. I would truly recommend Magic Imports of Gainesville, FL. THANKS HAMID FOR ALL YOUR HELP.

    26. buy here pay here Gainesville dealer review by Susan Hansen

      Susan Hansen rated Magic Imports of Gainesville

      My husband and I had a great experience with Bob at Magic imports. We are very happy with our new to us car. Thank you, Bob!

    27. buy here pay here Gainesville dealer review by Miguel Zayas

      Miguel Zayas rated CarMax

      Customer car tech mechanic jorge is very professional..outgoing.handles customers with respect professionalism and courtesy.really made my experience at carmax stress free..and the manager dave as well for handling my car issues on tires and wheel alignment he as well was professional.thanks again Jorge for the 5 star service and working through your lunch break on my car...outstanding they need more like you.

    28. buy here pay here Gainesville dealer review by Kenith Miller

      Kenith Miller rated CarMax

      Very pleasant experience. Because we went looking for better financing terms, it took 5 days to complete the deal, and we worked three different sales associates. All were excellent, but none were high pressure. They just wanted to answer all of my questions to my satisfaction.

    29. buy here pay here Gainesville dealer review by Lynn Gordon

      Lynn Gordon rated Gator City Motors at Waldo Road

    30. buy here pay here Gainesville dealer review by Eric Gillum Jr

      Eric Gillum Jr rated Indi Car Credit

      Great place to come to if you are struggling with bad credit. This is where I should have came first when I started my car search. Kaci is a big help and she will put you in a vehicle that fits your budget. Gen was fabulous and didn’t give me the run around. Thank you guys.

    31. buy here pay here Gainesville dealer review by mariah wilcox

      mariah wilcox rated Indi Car Credit

      This place was amazing. The sales manager and the sales lady worked wonders to get me into an affordable car that i loved all with me having bad credit! Definitely would recommend!

    32. buy here pay here Gainesville dealer review by Myke Collins

      Myke Collins rated Sunrise Auto Rentals and Sales

      Renting cars here is easy as slicing pie

    33. buy here pay here Gainesville dealer review by Francisco J. Pimentel

      Francisco J. Pimentel rated Popular Imports Auto Sales

      Great service. Got a Toyota Highlander for a good price and payments. Omar, his Wife and the mechanics were real nice. Thanks!!!

    34. buy here pay here Gainesville dealer review by matt laguio

      matt laguio rated Popular Imports Auto Sales

      Bought and 06 Tacoma for $7500 140k and great interior. Service was spot on, not pushy and fulfilled all my requests. Found and bought same day.

    35. buy here pay here Gainesville dealer review by Robin Michelle

      Robin Michelle rated Community Overdrive Auto Sales, Inc

      Great people, community minded, no better ways to pay! The owner is very compassionate about his causes to help the community via their volunteer outreach program! Awesome programs they have, can't believe I found a place to pay for a car by volunteering, incredible! The whole crew is very helpful and kind. I recommend this place to anyone looking to get the best deal and great customer service!

    36. buy here pay here Gainesville dealer review by Carrie Allen

      Carrie Allen rated Community Overdrive Auto Sales, Inc

      These people are fantastic! Four times we have gone to them and each time we have been well taken care of. They are truly are what they say they are. Curtis did a great job fixing a few broken studs on our rims. They are very willing to work with customers who have an unexpected but unavoidable repairs. We are repeat customers, and I will recommend them to everyone I can.

    37. buy here pay here Gainesville dealer review by Zahid Latif

      Zahid Latif rated Sun City Auto

      They was very friendly and helpful with my needs. And i left feeling that their services was way above any other dealership a have been to. Not your average car dealership

    38. buy here pay here Gainesville dealer review by Lillian Strawder

      Lillian Strawder rated Sun City Auto

      How does one get a car without a job or a job without a car? I was left in dire financial shape after the death of my partner. I had little left, neither less to replace the vehicle I lost with my best friend. I showed up to their office in tears, fearing I wouldn’t find a way out of the hole I felt dropped in. I’d bought a car from sun city years ago and my experience was poor (partly from my own actions or lack thereof), but I needed help and didn’t know own anywhere else to go with no credit and so little to give. My experience now has been completely different and deserves recognition. The changes they’ve made in staff and practice have changed my whole experience as a customer, that I’m now proud to be. The owner, knowing I had little more than a totaled car to put down (but a job if I could drive to it), worked with me as much as he could have even given my poor history. We established a payment plan that was realistic for me that I stuck to. The car I purchased needed a lot of work, which was to be expected at such a low price and was fully disclosed to me prior to purchase. It wasn’t in the best shape when I bought it but got me to and from work immediately so I could make a living and put my loss behind me. The mechanics did everything they could to make my car reliable and comfortable. They promptly made all the repairs we agreed on, working me into their already busy schedule. The trade ins’ they accepted kept them busy getting more cars into good shape for people like me, but they made time. Anything I needed fixed beyond our agreement was offered at a fair rate I could afford. Their attitudes were beyond compare to big dealerships. They know me by name and show genuine care about my safety and comfort. It needed so much work that it wouldn’t have been worth fixing unless someone genuinely wanted to drive it; a red 2003 Ford Mustang in a front end collision, traded in on someone else’s bad day. With my interest they worked hard to make someone else’s nightmare run like a dream for me. The office staff is compassionate and friendly, checking in to insure repairs were adequate and my needs were met in full. The only issues I’ve ever had with my car were from prior damage (that I was aware of) but fixed properly during the appointment we set and once on an emergency basis when something unexpected occurred. Even so, they did what they could as fast as they could to get me back on the road. They made sure my payment schedule was realistic for me, I understood my agreement and answered any questions I had along the way. They do everything they can to get people in cars! We need this in our community so people in poverty/crisis can help themselves out of it. On my worst day I felt defeated, that no one would accept what I had and allow me the resource I needed to thrive. They gave me some faith and some hope, allowing me an opportunity if I could be honest and accountable. The only negative comments I’ve seen or heard are from people not making their payments and not communicating with the staff.. they've been willing to work with me if my check were a day late or lost a day of work from illness. Just do what you say you will and so will they. They got me in a car I love, I can afford and meets my needs. They have become a dealership I look forward to working with. They treat me like a person, not an account number. I no longer dread making my car payments. I go in person just to say hello and thank you, as the way they’ve treated me has changed what I can do for myself. I’m really impressed with their progress as a business and the impact they make in our community (and my home) economically. If your looking for a way to help yourself get a reliable vehicle with poor credit history but can be accountable with your payments to build some, this is the only place. Thanks guys, sincerely. We need you in our community and am so glad that your here for people like me, the imperfect/human kind. Sometimes we just need a hand up. You were mine. Please share this with your staff. It’s an honest review.

    BHPH Gainesville FL dealer

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