Top 15 Buy Here Pay Here Dealers in Idaho ID

Looking for a used car dealer in Idaho ID but your credit is in bad shape?

Connect with top 15 buy here pay here Idaho ID car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Idaho'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 Idaho ID

  • Finish Line Auto Sales, ID

  • Image Auto Sales, ID

  • Elite Auto Sales, ID

  • Timberline Auto, ID

  • United Auto Sales, ID

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

  • Buyers Market & Wholesale, ID

  • Advantage Auto Sales, ID

  • Country Auto, ID

  • Byrider of Boise, ID

  • Capital City Auto – Boise Used Cars, ID

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

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

  • Teton Auto Credit, ID

  • Parker Auto Credit, ID

  • G.K.A.C., ID

  • Auto Image Auto Sales, ID


  • The phrase buy here pay here Idaho ID 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. Idaho 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.

    Why buy here pay here Idaho ID 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 Idaho ID 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 Idaho ID 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 Idaho ID Works

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

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

    The buy here pay here Idaho ID 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 Idaho ID 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 Idaho ID 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 Idaho ID

    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 Idaho ID

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

    While buy here pay here Idaho ID 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 Idaho ID 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.

    Idaho ID buy here pay here Reviews

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

    1. buy here pay here Idaho dealer review by David Lucas

      David Lucas rated Finish Line Auto Sales

      It was such a pleasant surprise to be greeted by the owner of the lot Norm Jensen. He made me feel like a friend with his caring and casual demeanor. Even though they didn't have what I was looking for, I found something even better. Start to finish this was a satisfying experience. I will be buying my next car from Finish Line auto for sure.

    2. buy here pay here Idaho dealer review by Jason Thomas

      Jason Thomas rated Finish Line Auto Sales

      IMy girl had a much better expeeince in her Liberty Jeep , My Ford waa not meant to be it waa beat up pretty bad on the engone and I waa diaappointed But still a great place to purchase a vechicle and the 2 owners will always be ready to help and anawer any questions you have . A great place to buy a used Car., Truck or Suv !

    3. buy here pay here Idaho dealer review by Heather Coms

      Heather Coms rated Image Auto Sales

      We found a Nissan Rogue we were very interested in, online, and went in at 11am on a Saturday. Christian helped up right away and let us take it for a drive. We knew pretty quickly it was the right fit for us so we came back and said yes. Matt was able to help us with financing right away. He was patient and so were we, so we waited for the right offer and got a great interest rate. In less than 2 hours we had our keys and were headed out. They are great people and they made it painless. Thank you Image Auto!

    4. buy here pay here Idaho dealer review by Gavin Fuentes

      Gavin Fuentes rated Image Auto Sales

      Ryan and Matt at Image are fantastic. I recent purchased a 2013 Mini Cooper S Countryman All 4 from them. Ryan is an excellent sales person. He was never too pushy and made us feel comfortable about our decision to purchase the vehicle. Matt is very good about making sure we understood everything happening in regards to the purchase. Selection at the lot is well though out and has both practical and fun cars. Definitely worth going by there when looking for your next vehicle.

    5. buy here pay here Idaho dealer review by Patty Reyes

      Patty Reyes rated Elite Auto Sales

      Great experience working with the team from Elite Auto Sales on our new truck purchase. Mike and Candy were awesome. They are experienced, very nice, very helpful and made it easy. Elite Auto Sales has a nice selection of vehicles with reasonable prices. We are happy with our purchase and would recommend them our friends and family.

    6. buy here pay here Idaho dealer review by Ashley Stapleton

      Ashley Stapleton rated Elite Auto Sales

      We had a great experience buying a vehicle through Elite Auto. They had great selection and there were multiple vehicles on the the lot that we would have loved to buy. The sales team here is great! Not pushy at all AND super helpful. Dallin helped us out and went above and beyond to get us a great price on our trade-in and into our new vehicle. Go check them out, you won’t regret it!

    7. buy here pay here Idaho dealer review by Taylor Wilhelm

      Taylor Wilhelm rated Timberline Auto

      I had been shopping around for a used AWD vehicle for months, before finally coming to Timberline in January. The entire process was incredibly straightforward and transparent. Guy, the salesman, was friendly and answered questions without being pushy. In the end, I walked out with a good deal on a vehicle, a much better than expected trade-in, and an overall good, comfortable experience. I didn’t have any surprises with fees, I wasn’t put into a loan that was unreasonable for the age and mileage of the vehicle, I wasn’t pressured into buying a more expensive vehicle by promises of a lower monthly payment on a longer term loan (as I had been over and over at other dealers). Three months later, the vehicle is still performing as expected.

    8. buy here pay here Idaho dealer review by Lina Leavitt

      Lina Leavitt rated Timberline Auto

      Martin made it happen again. NOT ONCE but TWICE!!!!! Not only did Martin help my husband to find his dream truck..... but I got one too hahaha!!! We are both very happy with our truck and even happier about the friendship we have made! Thank you again Martin!

    9. buy here pay here Idaho dealer review by Dona Martin

      Dona Martin rated United Auto Sales

      As always Dennis was able to make a great sale. The purchaser got the product he wanted at the cost he wanted. Trade in was fair. Financing was easy. The one problem with the vehicle was disclosed and remedied before the buyer left the property. Great place to shop if your looking for a cehicle.

    10. buy here pay here Idaho dealer review by Jason Hess

      Jason Hess rated United Auto Sales

      Great fast friendly

    11. buy here pay here Idaho dealer review by Adam Knowles

      Adam Knowles rated Buyers Market & Wholesale

      I worked with troy. It was phenomenal service never once did he try to push me into a vehicle that I couldn't afford or didn't want. I highly recommend at least stopping in.

    12. buy here pay here Idaho dealer review by billy anthony

      billy anthony rated Buyers Market & Wholesale

      We had an amazing buying experience there and our salesman Manny put us in a vehicle that we wanted with no pressure to buy whatsoever just an awesome experience everybody there was as helpful and nice and answered all our questions...that's why I'm reading these guys five stars as one of the best car buying experiences I've ever had if you're looking for a great vehicle at a great price and awesome people to deal with and this is the place to come to

    13. buy here pay here Idaho dealer review by Harlie P

      Harlie P rated Advantage Auto Sales

      It was my first car bought from a loan and they were understanding and calm about me not knowing some information right on the top of my head. They talked me through it and made a great deal on the car. Answered any questions I had. Let me and my dad test drive it. They keep a well cleaned place and we'll organized lot. Great and fast customer service, I would recommend the to people i know who are looking for a car to look there.

    14. buy here pay here Idaho dealer review by Ginger Brandt

      Ginger Brandt rated Advantage Auto Sales

      Great prices ?, friendly staff ?,. So easy and no pressure. This was the fastest we have ever bought a vehicle. We love our pilot ?. And they offer warranties.

    15. buy here pay here Idaho dealer review by Bobbie Credille

      Bobbie Credille rated Country Auto

      We were having car trouble. Had the car towed into country auto on a Monday afternoon, car was fixed and ready for pickup on wednesday morning!!!! Super quick and amazing customer service from Rachel!!! Love these guys!!! Best place to buy a car!!

    16. buy here pay here Idaho dealer review by Samuel Goodman

      Samuel Goodman rated Country Auto

      Not another lot around takes care of customers like Country Auto does!

    17. buy here pay here Idaho dealer review by Dawson Murray

      Dawson Murray rated Byrider of Boise

      Great experience! These guys worked fast to get us approved and on the road the very same day! They made sure our car left the lot with a full tank of gas never have I had a dealer do this. What a great experience! Our salesman David did a great job at making things good for even when a small issue that was out of his control but others he got it quickly fixed! Thank you David!

    18. buy here pay here Idaho dealer review by Kandyce Arriaga

      Kandyce Arriaga rated Byrider of Boise

      Awesome experience! Omar made the whole process so simple! No sales pressure just straight forward! I highly recommend Byrider for your next vehicle! If you are in need of a car give Omar a call he is Awesome!! Thank you to Omar and Tyler as well !!

    19. buy here pay here Idaho dealer review by Thomas Overlie

      Thomas Overlie rated Capital City Auto – Boise Used Cars

      These guys did an amazing job and helped me out so much! They got me into something amazing in a quick and painless interaction. Jason was an amazing help and was super helpful in guiding me through the whole process. I do highly recommend this place, they’re incredibly nice and have a wonderful selection of vehicles to choose from, best of all they help with any credit and are very flexible with your budget!

    20. buy here pay here Idaho dealer review by Vivian Morgan

      Vivian Morgan rated Capital City Auto – Boise Used Cars

      Gary was so helpful, he understood my situation and helped me drive off with a car in spite of it. He helped me get financed and was willing to work with me the whole time. Amazing experience, everyone there is so friendly, I really appreciate the hard work that went into putting me in my dream car. The car I bought works great, it’s a perfect fit for me and exactly what I wanted. Gary was very informative about buying the car out of state (I’m from Utah). I highly recommend these guys, they go out of their way, above and beyond to help their customers. Will be doing business with Capital City Auto again.

    21. buy here pay here Idaho dealer review by Cari Bunker

      Cari Bunker rated Teton Auto Credit

      This place is awesome! The cars are noticeably well taken care of and in great condition. The staff is very courteous and professional without being pushy which is a big plus for me. Javier Cervantes helped us find our car. He is very knowledgeable about the cars there and helped us feel comfortable as we were making our decision. He also helped the situation alot by being patient with our young children who had to remain quiet and well behaved for a few hours. This place is awesome! And Javier Cervantes really knows how to do his job well! Thank you Teton Auto credit!

    22. buy here pay here Idaho dealer review by joe anderson

      joe anderson rated Teton Auto Credit

      Great staff, they help people get car loans. No credit no problem, 99% approval.

    23. buy here pay here Idaho dealer review by Fr-s-1 .

      Fr-s-1 . rated Parker Auto Credit

      Amazing people I've never been treated so nice. My wife got her first brand new car and is the happiest I've seen her in years. Thank these guys every time I see them!!!

    24. buy here pay here Idaho dealer review by Stephen Carlsson

      Stephen Carlsson rated Parker Auto Credit

      Good place they work with you. Mike Austin is great ask for him if you want a great deal. Nobodys pushy there again its a great place if you want a good decent car.

    25. buy here pay here Idaho dealer review by karissa Bridges

      karissa Bridges rated G.K.A.C.

      I won’t shop for a vehicle anywhere else! I am currently purchasing my second vehicle from Gold Key and looking for the perfect truck for my husband with them too! Larry and Melody have been amazing!! They are honest and work hard to find the right car for you! They helped set up my payments to what works best for me which was a relief! I am so in love with my car and the amazing people at Gold Key!!

    26. buy here pay here Idaho dealer review by Emiri Tsukiyo

      Emiri Tsukiyo rated G.K.A.C.

      Had a fantastic experience, found a great vehicle and the lady that handled the sale was straightforward and fun. She worked with us to avoid breaking our bank and I can safely say that Gold Key Auto is a reputable and honest used car dealer to go through! 5/5 would go through again!

    27. buy here pay here Idaho dealer review by Wylder Robinson

      Wylder Robinson rated Auto Image Auto Sales

      I found the perfect car! Great prices and they have great customer service. Definitely will be back for another car!

    28. buy here pay here Idaho dealer review by Matt Perrenoud

      Matt Perrenoud rated Auto Image Auto Sales

      Best place for a gr8 deal

    BHPH Idaho ID dealer

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