Top 17 Buy Here Pay Here Dealers in Gilbert AZ

Looking for a used car dealer in Gilbert AZ but your credit is in bad shape?

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

  • San Tan Hyundai, AZ

  • Auto Action, AZ

  • Enterprise Car Sales, AZ

  • Earnhardt Volkswagen, AZ

  • Earnhardt Chrysler Dodge Jeep Ram, AZ

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

  • Henry Brown Auto Group, AZ

  • AutoNation Nissan Chandler, AZ

  • Thrifty Car Sales, AZ

  • Elohim Auto Sales, AZ

  • Berge Mazda, AZ

  • Did you know? These BHPH Gilbert AZ 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 Gilbert 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.

  • CarMax, AZ

  • San Tan Motors, AZ

  • San Tan MotorPlex, AZ

  • AutoNation Chevrolet Gilbert, AZ

  • Earnhardt Chevrolet, AZ

  • The phrase buy here pay here Gilbert AZ 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. Gilbert 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.

  • San Tan Ford, AZ

  • Big 3 Automart Superstore, AZ

  • Why buy here pay here Gilbert AZ 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 Gilbert AZ 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 Gilbert AZ 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 Gilbert AZ Works

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

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

    The buy here pay here Gilbert AZ 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 Gilbert AZ 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 Gilbert AZ 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 Gilbert AZ

    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 Gilbert AZ

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

    While buy here pay here Gilbert AZ 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 Gilbert AZ 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.

    Gilbert AZ buy here pay here Reviews

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

    1. buy here pay here Gilbert dealer review by Jackie Shulik

      Jackie Shulik rated San Tan Hyundai

      My Experience at San Tan Hyundai was top notch from Test Drive to Purchase. Jay was knowledgeable, friendly and seemed to have my best interests (and not his pocketbook) in mind. Both Jay and Aaron gave me multiple options (model year, trim, extended plans, etc.) and I felt zero pressure to purchase. It's clear that these guys known their stuff and enjoy their jobs. I would definitely recommend San Tan Hyundai to friends and family looking to get into a new car. Love my new Ioniq!

    2. buy here pay here Gilbert dealer review by Matthew Ha

      Matthew Ha rated San Tan Hyundai

      Very fast Hyundai maintenance, both times I have been here I have been out within 90 minutes

    3. buy here pay here Gilbert dealer review by Sabrin Kamel

      Sabrin Kamel rated Auto Action

      Best Place I’ve ever bought a car from! I Was treated with respect. Flo was Awesome he helped me get the car I wanted, He was so patient with me, and the process didn’t take long at all. His customer service & his team was on point I would highly Recommend everybody to come here. 5 Star!!!

    4. buy here pay here Gilbert dealer review by Anastasia Goldman

      Anastasia Goldman rated Auto Action

      Very nice used dealer. I didnt buy a car but the car that were there were nice.

    5. buy here pay here Gilbert dealer review by Lorina Patterson

      Lorina Patterson rated Enterprise Car Sales

      Great experience working with Phil at the Gilbert location a couple weeks ago! Thank you for your patience and going the extra miles for my white Rogue SV!! I love it!! Already recommending Phil to friends and family looking for their next car purchase. We will come back!

    6. buy here pay here Gilbert dealer review by Ronald Perry

      Ronald Perry rated Enterprise Car Sales

      The staff was helpful, respectful and not pushy. They were proficient and efficient. We were not there all day. They did a great job.

    7. buy here pay here Gilbert dealer review by Molly M

      Molly M rated Earnhardt Volkswagen

      We have come here a couple of times for oil changes and had good experiences. This time we brought our car in for an occasional rattling sound. They spent a good amount of time trying to figure out the issue, running multiple diagnostic tests. Not only did they not try to conjure up some type of repair to get our money but they didn't even charge us for the diagnostic labor. We were impressed and grateful. When the car needs a repair (hopefully not anytime soon) we will definitely return!

    8. buy here pay here Gilbert dealer review by Ak Tink

      Ak Tink rated Earnhardt Volkswagen

      My wife and I had been searching all over Phoenix and surrounding areas for an Atlas or similar vehicle . We had interactions at multiple dealers and left unhappy and disappointed to say the least. We decided to go here to see what they had and hopefully get a better experience, let me tell you Bruce our sales rep was amazing and it was a no pressure buying experience. My wife and I had our kids and they were more than accommodating and patient in dealing with having 3 small children running around and asking questions. Bruce asked us what we were looking for and went above and beyond to find the exact spec Atlas we wanted. I wouldn’t hesitate to purchase another vehicle from him tomorrow if I could. He found almost the exact Atlas we wanted and at the end of the day we purchased a 2019 Atlas and love it!!

    9. buy here pay here Gilbert dealer review by Tammy Jones-Romney

      Tammy Jones-Romney rated Earnhardt Chrysler Dodge Jeep Ram

      Went to see if a jeep was even something I liked. Walked out with this beauty! Jay was great. Love the Jeep, the dealership was really nice, the finance dept was amazing. Everything went quickly and I am very happy with my purchase!

    10. buy here pay here Gilbert dealer review by Hal B

      Hal B rated Earnhardt Chrysler Dodge Jeep Ram

      Alan at Earnhardt in Gilbert, takes good care of our car servicing and repairs. He also makes sure any warranty coverage we're eligible for is included in the service too. He is always pleasant and helpful. We appreciate his great attention to customer service! He always tries to get us the best deal so he deserves 10 stars! Thanks!

    11. buy here pay here Gilbert dealer review by Mark Lebans

      Mark Lebans rated Henry Brown Auto Group

      Really happy l decided to stop here was really impressed with the knowledge and friendliness of the staff. Very smooth and stress free buying experience.

    12. buy here pay here Gilbert dealer review by John C Stupecki

      John C Stupecki rated Henry Brown Auto Group

      Excellent service. Pricey.. You do get your monies worth !!

    13. buy here pay here Gilbert dealer review by Ethan Wuellner

      Ethan Wuellner rated AutoNation Nissan Chandler

      Came in for a 90k transmission service along with oil change & a few other small needs. Blake was professional & courteous as always. Called me later in the day to let me know how things were going & when I could pick my car up. Work was done in a timely manner & had no issues or concerns. Always great!

    14. buy here pay here Gilbert dealer review by Ang3laMarie

      Ang3laMarie rated AutoNation Nissan Chandler

      Highly recommend this dealership for their used cars specifically. They made sure our vehicle was 100% before we drove it off the lot. We had it checked by someone after getting it just to be sure, and they said it was immaculate. Thank you Bailey and Mike for your help in the purchase of our Chevy Colorado!

    15. buy here pay here Gilbert dealer review by Evelyn White

      Evelyn White rated Thrifty Car Sales

      Picked up this beauty last week 4/24/2020!!! Reasonably priced, top notch customer service and took my trade in easily. I would highly recommend using them for all your vehicle buying / trade in needs. Plus they also offer great referrals for window tinting ($$ low pricing) and much more. Happy customer I am!!! ???

    16. buy here pay here Gilbert dealer review by Tim Hansen

      Tim Hansen rated Thrifty Car Sales

      I highly recommend Thrifty Car sales, they are super accommodating and really work with you to get the best car they can offer you. Chewy and Doug are the guys !! My credit is horrible and so I knew I had to put a decent down payment down and I was locked into a nice Chevy Malibu and was all ready to leave the lot. What sets them apart is the care that they took when they saw me , a younger car buyer putting down most of his Money , they did a 360 flip on me and put me in an even more amazing car last second , a super clean Dodge Avenger , best car on the lot Doug said. Why should they care what I drive away in, the deal was done , just shows the people here care, couldn’t be happier leaving here and they personally set up insurance for me at an incredible rate with someone who they work closely with . If your ready to buy a car but not sure where to pull the trigger, go to Thrifty! 10/10

    17. buy here pay here Gilbert dealer review by Hannah Ganzfried

      Hannah Ganzfried rated Elohim Auto Sales

      I had an incredible experience purchasing my first vehicle with financing involved. Tracy was so kind and helpful, he was informative without being pushy, I felt no pressure during the whole process, and he referred me to Mountain America Credit Union which was just as wonderful to work with. I walked away with a beautiful car and no hassel! Thank you!!

    18. buy here pay here Gilbert dealer review by Danielle Pacheco

      Danielle Pacheco rated Elohim Auto Sales

      Tracy and his son were very helpful when buying my Toyota Camry. No pressure. I gave them my trust and I was not disappointed. There was an issue with my passenger door lock Tracy said he would fix it whether I bought the car or not. It took a little while to fix only because he had some issues finding a new mechanic. But My door was fixed and I have not had any other issues with my car since I bought it. Thank you Elohim Sales!

    19. buy here pay here Gilbert dealer review by carol helmholz

      carol helmholz rated Berge Mazda

      I have bought many cars in my life and I would like to share that Julian Garcia from Berge Mazda is absolutely the best sales person that made my experience the best! He is friendly and educated and answered all my questions! Had the car ready that I was interested in right there for me all cleaned and sterilized.... making sure I felt comfortable with test driving it. I decided on a different color and Julian was great about everything! I would encourage anyone who is planning on a new Mazda to ask for him! I absolutely love my new Mazda CX-5! Thank you once again Julian!

    20. buy here pay here Gilbert dealer review by Tyler Stark

      Tyler Stark rated Berge Mazda

      Absolutely fantastic experience! I live in Utah and tried to deal with a local dealership to purchase a car that was at Burge Mazda with no luck. I contacted Berge Mazda direct and explained what I was trying to do. They were willing to work with me to reach a deal. These guys were open and honest which I very much appreciated!! I ended up driving two trade-ins from Utah to Berge Mazda because of their professionalism and respect for my time. Thanks again guys!! Loving the car!!

    21. buy here pay here Gilbert dealer review by Andy Shanley

      Andy Shanley rated CarMax

      I went here to sell a 2017 Ford Flex. I expected to get a lowball offer, but was very pleasantly surprised. They gave me a very reasonable price and everyone was very professional. I didn’t need the car anymore because we have a couple others and was not interested in buying any cars from them currently. They did not pressure me at all to purchase a car from them. I was in and out of there in an hour with a check in hand. Very pleasantly surprised and I will recommend them to anyone looking to buy or sell a used car.

    22. buy here pay here Gilbert dealer review by Kierstyn Hancock

      Kierstyn Hancock rated CarMax

      I just bought my first car from a dealership here today (I’ve only ever bought privately before), and it was SO easy and not at all what I expected. I was out in my new car within 2 hours, and about 20 minutes of that time was spent dealing with my insurance company. The salespeople were not pushy at all, I didn’t feel any pressure or like I was getting myself into something I couldn’t afford or didn’t really want. I also feel like I got a really great price for the car I bought, so the no-haggle thing was not an issue. I will definitely look here for my next car and highly recommend this place.

    23. buy here pay here Gilbert dealer review by PSR Tuning

      PSR Tuning rated San Tan Motors

      This is a great family owned and operated buy her, pay here dealership. They gave me free oil changes and worked with me when I told them my payment would be a few days late. I've never had one problem with them. Thank you San Tan Motors for taking a chance and giving me the opportunity to buy a good car.

    24. buy here pay here Gilbert dealer review by Pop Smoke

      Pop Smoke rated San Tan Motors

      Awesome Place to buy a car from even I haven’t bought one yet but I will if it’s still there and still available I'm the AAA. Tow truck driver that trying to get the gray Dodge ram 1500 give me a call I got the insurance that day but got called in to work I have 500 need to come up 300 to have the 800 down I really need a truck to carry on my tow truck tools Names rick jones

    25. buy here pay here Gilbert dealer review by Bill Peppel

      Bill Peppel rated San Tan MotorPlex

      Time for general auto maintenance of oil change and tire rotation. Great service provided by all personnel. Service was fast and nice to have refreshment bar available.

    26. buy here pay here Gilbert dealer review by Kelly P

      Kelly P rated San Tan MotorPlex

      Went in for pick up of a spare key for my car. The gentleman, Alfred, was extremely helpful when the situation became a little more difficult than we had anticipated. My husband and I both felt that he did an excellent job with customer service and we plan to follow up to order more parts from him too!

    27. buy here pay here Gilbert dealer review by Pat Edwards

      Pat Edwards rated AutoNation Chevrolet Gilbert

      I purchased an older used vehicle from Auto Nation Gilbert location. The sales man Scott Nelson was professional, honest and helpful throughout the process. Made my experience purchasing my vehicle pleasant. Most of all, I appreciate Scott Nelson for being a man of his word. The few problems I found with the vehicle days after I took it home got repaired completely to my satisfaction by there experienced service department. Thanks again to Scott Nelson , the sales and service team at Auto Nation Chevrolet Gilbert!! I will recommend you to friends!!

    28. buy here pay here Gilbert dealer review by Steve Ahnmark

      Steve Ahnmark rated AutoNation Chevrolet Gilbert

      The communication with Kari was stupendous! An owner can be rather demanding when their vehicle needs an unexpected repair and a service at he same time as it is in use for a job. Kari was able to orchestrate both the paint repair and the transfer of the truck to Daniel at Auto Nation Chevrolet for the needed service in the shortest possible time frame. My wife was just beginning to grumble about her Subaru interior looking like a work truck. Thanks to everyone involved, including the Technicians who also performed flawlessly!

    29. buy here pay here Gilbert dealer review by Duane Baier

      Duane Baier rated Earnhardt Chevrolet

      Curry is truly a professional and the individuals who also assisted in the purchase of the 2020 Equinox. They took their time to explain and help with our questions and concerns. Their Expertise and Professional do in deed need to be commended. If you are in the market for a vehicle, I would Highly Recommend Earnhardt Chevrolet. You will NOT regret it. Thank You Team!

    30. buy here pay here Gilbert dealer review by Jim Schoch

      Jim Schoch rated Earnhardt Chevrolet

      Our experience here has been excellent. Friendly courteous and professional staff are helpful in every way. My wife and I purchased a 2020 Chevrolet Bolt EV Premier from Dakota. There was never any high pressure salesman tactics. He was also very knowledgeable in getting us acclaimed to all the features of the Bolt EV. Thanks for the awesome and smooth process of buying our first new vehicle in 29 years. Back in 1991 we bought a Geo Metro 3 cylinder with no air conditioning! We feel like we’re driving iPhone type technology with this vehicle.

    31. buy here pay here Gilbert dealer review by Rodney Simon

      Rodney Simon rated San Tan Ford

      This (picture missing) is my new 2020 Fusion Titanium Hybrid Plug-in. It is a Nice car and I was treated well by Geronimo and Justin at San Tan Ford. This car showed up on the internet as being in stock at San Tan but was not built yet. So they found this car in California and transported it here in Gilbert at their dealership so I could purchase the car I wanted. It is exactly what the window sticker was on the first car that was not built yet. Geronimo kept me informed of the whole process. He even called to make sure I would except the dark interior instead of the light leather. The cleaned up car arrived with only 5 miles on it. I can say the process went well and I would recommend Geronimo as a darn nice sales person.

    32. buy here pay here Gilbert dealer review by scott vaupel

      scott vaupel rated San Tan Ford

      Sales person Rex was very helpful and professional. I had a very specific truck in mind and he was able to find it for me. Technology manager was great also. Overall buying experience was excellent. I would recommend San Tan Ford.

    33. buy here pay here Gilbert dealer review by Beverly Dillon

      Beverly Dillon rated Big 3 Automart Superstore

      Scott and the whole automotive team were AMAZING!! Very friendly & helpful! Took the time to help me get exactly what I was looking for with no pressure!! Highly recommend!!

    34. buy here pay here Gilbert dealer review by Samuel Eschief

      Samuel Eschief rated Big 3 Automart Superstore

      2/27/20 had a very good experience with the dealership, everything went smooth, thanks to Scott for helping me find the vehicle that fits my needs and wants. Chevy 4x4. Thanks to General manager Shawn for helping settle a great deal. I highly recommend Big 3 Automart Superstore. ???

    BHPH Gilbert AZ dealer

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