Top 16 Buy Here Pay Here Dealers in Huntsville AL

Looking for a used car dealer in Huntsville AL but your credit is in bad shape?

Connect with top 16 buy here pay here Huntsville AL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Huntsville'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 Huntsville AL

  • Hometown Auto Sales, AL

  • T & M Auto Sales LLC, AL

  • DriveTime Used Cars, AL

  • Credit Now Auto Sales, AL

  • McCurry Motors, AL

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

  • Greg’s Used Auto, AL

  • Richard Hughes Auto Sales, AL

  • Woody Anderson of Madison, AL

  • American Car Center – Huntsville, AL – University Drive, AL


  • Did you know? These BHPH Huntsville AL 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 Huntsville 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.

  • King AutoPlex, AL

  • Little Motors Inc, AL

  • Rocket City Motors, AL

  • Sam’s Auto Sales, AL

  • Bridges Auto Sales LLC, AL

  • The phrase buy here pay here Huntsville AL 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. Huntsville 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.

  • Chase Cars Inc, AL

  • Why buy here pay here Huntsville AL 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 Huntsville AL 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 Huntsville AL 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 Huntsville AL Works

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

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

    The buy here pay here Huntsville AL 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 Huntsville AL 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 Huntsville AL 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 Huntsville AL

    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 Huntsville AL

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

    While buy here pay here Huntsville AL 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 Huntsville AL 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.

    Huntsville AL buy here pay here Reviews

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

    1. buy here pay here Huntsville dealer review by Tom Robertson

      Tom Robertson rated Hometown Auto Sales

      Love these guys they make it feel like your right at home

    2. buy here pay here Huntsville dealer review by Marty Thomas

      Marty Thomas rated Hometown Auto Sales

      Great cars and trucks, always clean and dependable. They stand behind whT they sell.

    3. buy here pay here Huntsville dealer review by Eugene Griffin

      Eugene Griffin rated T & M Auto Sales LLC

      A wholesaler who has a variety of cars, trucks and SUVs at any given time. A hidden gem that must be considered when looking for a good used vehicle.

    4. buy here pay here Huntsville dealer review by Cody R Hopper

      Cody R Hopper rated T & M Auto Sales LLC

      Great selection of used parts that was needed!

    5. buy here pay here Huntsville dealer review by Ken Miller

      Ken Miller rated DriveTime Used Cars

      Susan was amazing. Best car sales person I've ever dealt with. She's personable, honest, and wanted to put me in a ride that I wanted. Would definitely do business with her again.

    6. buy here pay here Huntsville dealer review by Erica Made

      Erica Made rated DriveTime Used Cars

      Drive time has such a wonderful team.They made my car buying easy, the staff was very friendly and professional especially Carlos and ASHA they went over and beyond on helping me to find the truck I wanted. They knew I wouldn’t settle for anything and with that they never gave up on me. After going back and forth to them for the past 3months they were still helping me find exactly what I was looking for. When most dealers would’ve said they couldn’t help me and there was nothing they could do for me etc... not them! I’m so pleased with my new vehicle thank you all so much! GMC

    7. buy here pay here Huntsville dealer review by Dominique Hammonds

      Dominique Hammonds rated Credit Now Auto Sales

      I was able to purchase a nice car for the right price. The staff was unbelievable nice. They understood everything and seemed so concerned. They made sure I did not leave without the right vehicle for me and my family. I strongly recommend this dealership to anybody. They have a great selection to fit all needs. The service was truly genuine and heart felt. I was helped by Mr. Dave, who was on side the moment I walked in the door. Good people know and understand how to deal with other good people and for that I am very thankful. If your are thinking about getting a car from somewhere with great service with reasonable prices, please consider Credit Now. I had a wonderful experience and will never forget. Again. Thank you all so kindly.

    8. buy here pay here Huntsville dealer review by Crystal Keel

      Crystal Keel rated Credit Now Auto Sales

      This place was amazing the people were so friendly patient and kind we asked 100 questions drove several vehicles they were so helpful the environment was very comfortable and homey everyone is treated like friends and family they really want to help you get into a vehicle and are willing to work with you all they can just meet in the middle we are extremely happy with the outcome my son got his first vehicle today a beautiful 2009 Jeep Grand Cherokee and we are just over the moon for him so go and see them there take your pick they are all great we talked with everyone and they were all equally kind and great oh and did I mention funny lol we had a great day hanging out with these folks thanks guys!!!!

    9. buy here pay here Huntsville dealer review by Ryan Mixon

      Ryan Mixon rated McCurry Motors

      A true blessing. My car tore up this morning so I put together a little money and was able to drive off in a gem of a car for no more than what I had. They even came down to what I had to help out. Take it from me, don't shop anywhere else. Thanks McCurry Motors. It won't be soon forgotten

    10. buy here pay here Huntsville dealer review by Korey Moore

      Korey Moore rated McCurry Motors

      UPDATE: Ohhh what to say, what to say!!!! My daughter's car was wrecked back in September (the car we got from McCurry, see review below) and of course the car loan was in my name so we have continued to pay on that car biweekly since, even though the car was totaled. I finally contacted them to pick up the car because it's been a huge eye sore in my apartment complex parking lot. I told the finance company I was still going to pay the balance because I didn't want to mess up my credit. I got a phone call from Wes McCurry, the owner himself! I was shocked to realize he was calling me personally but such a nice man! He told me to come to the lot, pick out a reliable vehicle for my daughter and he would add only a small portion of what I owed them on the other vehicle to a new vehicle. Not going to disclose the exact amount but I was shocked to say the least. We went the next morning to see Gary and picked out a car for her, Wes covered the first payment, Gary and Jacob deferred the down payment, we got insurance lined up and Gary put gas in her new car. We left there without coming out of pocket a single penny. I really didn't expect to get this kind of service by giving back a wrecked vehicle, but I was amazed and so thankful to get that call from Wes. Jacob was a nice and funny guy the whole time we were there and Gary.... well, he's the BOMB of course! Great guy, great salesman and just an extraordinary people person. They run a good business over there! If going to new car dealerships is impossible for you, I suggest you go see Gary or Jacob at McCurry. My daughter is so happy to be driving again!!!! Thanks for that call Wes! ****************************************** I had been searching for a car dealership to purchase a car for my daughter and we just happened to run across McCurry on our way down 72. I had just recently purchased a brand new car for myself at another dealership, so I was worried about getting financed for a used car in my name for my daughter. Tim was wonderful!! Made the process so easy and quick. My daughter picked out the car she wanted and we moved forward. They were having a special the day we went on down payments, so we went the right day!!! The car need a new tire and a headlight fixed, so they sent us straight to Pep Boys in Athens to have it taken care of. I would recommend McCurry to anyone in need of a good car with reasonable payments. Payments are affordable for my daughter and she enjoys her freedom! :) Thanks Tim!

    11. buy here pay here Huntsville dealer review by Tim Pringle

      Tim Pringle rated Greg’s Used Auto

      I purchased a car form Greg's Used Auto about three years ago. It was the best deal I have ever received on a car and the car was in awesome shape. When I was in the market for another vehicle, I did not waste my time contacting any other dealer. I told the owner "Greg" what I was looking for and he delivered. The vehicle along with the deal I received both exceeded my expectations. Needless to say, the next time I am in the market for another vehicle, I would not hesitate to contact Greg's Used Auto's again.

    12. buy here pay here Huntsville dealer review by ToneyJP .

      ToneyJP . rated Greg’s Used Auto

      Was recommended to Greg from a previous customer. Told him what I was interested in, although I didn't see my potential in the lot, didn't stop him from meeting my expectations and now I'm driving a new vehicle.

    13. buy here pay here Huntsville dealer review by J C

      J C rated Richard Hughes Auto Sales

      I was in a huge bind to get a new work van when my E250 transmission started dying on the highway. I called after remembering seeing a van I liked there to see if it was still available and they were very helpful. I sputtered into the lot with my busted van and started the process of getting my 2015 Transit Connect immediately after a test drive. After only a couple of hours, all of the paperwork and negotiations were finalized and I was off to continue working. Would gladly recommend them.

    14. buy here pay here Huntsville dealer review by Teneka Burks

      Teneka Burks rated Richard Hughes Auto Sales

      We have 10 plus years of experience with this dealership and we have always received great service. Highly recommend if you are searching for a quality used car that's not going to break your pocket.

    15. buy here pay here Huntsville dealer review by Shari Walters

      Shari Walters rated Woody Anderson of Madison

      I highly recommend them!! Super friendly and very helpful and knowledgeable. Thank you George!

    16. buy here pay here Huntsville dealer review by Ed Bryan

      Ed Bryan rated Woody Anderson of Madison

      Recently I purchased a 2018 F150 from Woody Anderson Madison. Drew Kennedy provided an awesome buying experience. I've dealt with Woody Anderson Ford for over 20 years. I've always had great buying experiences with them. I highly recommend Drew Kennedy. My truck had been smoked in by the previous owner. Woody Anderson applied the Ozone treatment. Ozone treatments are not miracle cures for smoke odors. It takes multiple interior cleanings and time to dissipate smoke odor.

    17. buy here pay here Huntsville dealer review by Thistle Nightingale

      Thistle Nightingale rated American Car Center – Huntsville, AL – University Drive

      THE BEST EXPERIENCE EVER! I recommend you go see Rick Santiago, because he and General Manager, St. Nick ( as I now refer to him)..helped me out of a nightmare car situation, and put me in a gorgeous, reliable, softly used car ... so believe me when I tell you..they saved my life! And they truly care. Please, everyone, give them a call, or just show up. Especially, all my peeps in the medical community that commute to work or do Home Health/Hospice... go right now!! Nurse Approved ?

    18. buy here pay here Huntsville dealer review by Tonya Drouillard

      Tonya Drouillard rated American Car Center – Huntsville, AL – University Drive

      Excellent service! Dustin Silas was my car salesman. I am a private contractor who was having car issues and trouble financing, but Dustin set me at ease and worked it all out with no issues. He also came and picked me up to finish the sale due the fact I did not have a ride that day. Awesome service above and beyond.i completely recommend Dustin and American car center. They even helped me find a cheaper car insurance policy and saved me alot of money. Awesome group of people!!!!

    19. buy here pay here Huntsville dealer review by Deshawn Sanders

      Deshawn Sanders rated DRIVESMARTUSA

      It was a great experience and I suggest people come and buy from this dealership! It a salesman named Lloyd, he very helpful, he made sure I understood all my information and everything. Great customer service!

    20. buy here pay here Huntsville dealer review by Bai Bai

      Bai Bai rated DRIVESMARTUSA

      Absolutely loved Thad he's the man to see!! Great service and meet every need and expectation !!!!

    21. buy here pay here Huntsville dealer review by Scott Phillips

      Scott Phillips rated King AutoPlex

      Easy to work with. Great folks

    22. buy here pay here Huntsville dealer review by Amy Moss

      Amy Moss rated King AutoPlex

      best business ever done with someone with no shoes! great customer service. highly recommend.

    23. buy here pay here Huntsville dealer review by Stephen R

      Stephen R rated Little Motors Inc

      They have a lot of inventory that go through there often and we were able to find the perfect car for my fiance and family! Great people and payment options

    24. buy here pay here Huntsville dealer review by Shannon Sanford

      Shannon Sanford rated Little Motors Inc

      Was able to purchase a used 2012 Nissan Sentra with only 65k miles for $8,900. I put down $1200 to get my payments $140/2wks

    25. buy here pay here Huntsville dealer review by Brad Nunley

      Brad Nunley rated Rocket City Motors

      Great place honest people

    26. buy here pay here Huntsville dealer review by winterelm .

      winterelm . rated Rocket City Motors

      Need a car or looking for a shed or carport? They offer the best prices and financing around. Want a tiny home? Come to Rocket City Motors, or Rocket City Barns. Very friendly and no pressure to buy.

    27. buy here pay here Huntsville dealer review by Roxane754 .

      Roxane754 . rated Sam’s Auto Sales

      Good selection of used cars. I bought a car well below book price. It's in perfect shape. Anyone buying a car anywhere should research recalls on the car and reviews of the make/model. Do your homework and shop around and take your time. Very nice people here.

    28. buy here pay here Huntsville dealer review by Treasure Williams

      Treasure Williams rated Sam’s Auto Sales

      Great prices, cash only. I haven't purchased a car from here, just looking through the parking lot

    29. buy here pay here Huntsville dealer review by William Bridges

      William Bridges rated Bridges Auto Sales LLC

      Wonderful. Cheap car payments for late model cars. Not a lease you own it! Excellent service and credit didn't matter! Go by and see Stacey!!

    30. buy here pay here Huntsville dealer review by Sludge Busters plumbing and septic

      Sludge Busters plumbing and septic rated Bridges Auto Sales LLC

      Stacey is a good guy. Helped us find a nice truck to meet our needs.

    31. buy here pay here Huntsville dealer review by Eisha D King

      Eisha D King rated Chase Cars Inc

      The people here are very friendly and helpful I purchased a 2010 Nissan Maxima and it runs like a brand new car, I haven’t had any issues im a very satisfied customer!!

    32. buy here pay here Huntsville dealer review by Raiy Deathgrace

      Raiy Deathgrace rated Chase Cars Inc

      Loved it got the best deal on my new car definitely Coming back and recommending my friends

    BHPH Huntsville AL dealer

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