Top 15 Buy Here Pay Here Dealers in Independence MO

Looking for a used car dealer in Independence MO but your credit is in bad shape?

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

  • Enterprise Car Sales, MO

  • Capital motors Kc LLC, MO

  • Bob Sight Independence Kia, MO

  • RightWay Auto Sales, MO

  • Street Side Auto Sales, MO

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

  • Cable Dahmer Chevrolet of Independence, MO

  • CarMax, MO

  • JJ’s Auto Sales, MO

  • Cable Dahmer Auto Direct, MO

  • Landmark Dodge Chrysler Jeep RAM, MO

  • Did you know? These BHPH Independence MO 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 Independence 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.

  • Courtesy Cars, MO

  • Stadium Auto LLC, MO

  • Best Buy Car Co, MO

  • Wholesale Auto Outlet, MO

  • Asset Automotive, MO

  • The phrase buy here pay here Independence MO 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. Independence 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 Independence MO 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 Independence MO 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 Independence MO 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 Independence MO Works

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

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

    The buy here pay here Independence MO 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 Independence MO 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 Independence MO 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 Independence MO

    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 Independence MO

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

    While buy here pay here Independence MO 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 Independence MO 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.

    Independence MO buy here pay here Reviews

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

    1. buy here pay here Independence dealer review by Bryan Woolworth

      Bryan Woolworth rated Enterprise Car Sales

      Just bought my second car within 5 years from Enterprise. Love the wide selection of cars knowing they've been well maintained and gone through their 109 point inspection. Pricing is fair and don't have to negotiate. Makes it very simple with no pressure. My salesman was Charles who was very knowledge and easy to work with. I'll go back for my next car!

    2. buy here pay here Independence dealer review by Will Smith

      Will Smith rated Enterprise Car Sales

      Benjamin was great as well as the other staff. I have had a great experience with my purchase so far. I was in and out with no issues at all. They even filled up the gas tank for me!! If you looking for a quality used car this is your place

    3. buy here pay here Independence dealer review by Akasha Pierce

      Akasha Pierce rated Capital motors Kc LLC

      Went today and got a Acura MDX they were all kind people great pricing and amazing cars one of the best car dealers I have ever dealt with thank u so much I love my new car!!!!!

    4. buy here pay here Independence dealer review by Chante Dean

      Chante Dean rated Capital motors Kc LLC

      Awesome service. The guys took car of us with full service.

    5. buy here pay here Independence dealer review by Scott Blasi

      Scott Blasi rated Bob Sight Independence Kia

      Matt R. was great to work with getting me an amazing deal on two Souls. When I had emailed him saying what I wanted to pay he dishwater he could and got me exactly what I asked for. Mike in finance was awesome to deal with as well. He did not try to force anything on me but took time to explain options we could add on. I cannot recommend them enough if you are looking for a new car. Thanks for the best and easiest car buying experience I have ever had.

    6. buy here pay here Independence dealer review by Garrett Tibbetts

      Garrett Tibbetts rated Bob Sight Independence Kia

      Bought a used car from them, good people. Good price. Thanks again Jon and Andy. (there was another guy I talked to the first time I went up there to look at the car but I forgot his name so sorry and here is a shout out)

    7. buy here pay here Independence dealer review by Jami Henderson

      Jami Henderson rated RightWay Auto Sales

      Best experience with car buying... totally recommend this place.. Chase is the man. He helped my stepdad and me get a great vehicle... Thanks Right way and thank you Chase for the best car buying experience ever!!

    8. buy here pay here Independence dealer review by Amiya Rice

      Amiya Rice rated RightWay Auto Sales

      Thanks to Jason I got a car I liked even though I don’t have the best credit. He got me squared away and driving the same day! RightWay has great cars and it’s highly recommended if your trying to build your credit!!

    9. buy here pay here Independence dealer review by Jeff B

      Jeff B rated Street Side Auto Sales

      I went up today and got myself into a car with these guys. Great people and they made it quick and simple for me. First lot I went to and also the last. Thank you guys

    10. buy here pay here Independence dealer review by Louise Tatum

      Louise Tatum rated Street Side Auto Sales

      Great place to get a good running car for Cheap !!!!!!

    11. buy here pay here Independence dealer review by belinda lombardo

      belinda lombardo rated Cable Dahmer Chevrolet of Independence

      Just purchased a used car from them. This is a crazy time to be buying a car but when you have to this is a place I would recommend. As crazy as it was at the dealership with all the precautions they made sure everything was taken care of. Our salesman did the best he could with the busyness . Sara in finance made it the best experience we have had purchasing a car. Joel has been doing an awesome job helping with all the little things we needed. We will for sure be back.

    12. buy here pay here Independence dealer review by Joe Tesar

      Joe Tesar rated Cable Dahmer Chevrolet of Independence

      To be fair. The first impression was pretty rough start. But the good people at Cable Dahmer Chevrolet turned that around pretty fast. Between the professionalism of the sales staff and the outstanding service Department and a few key people who went out of thier way to correct the issues that came up. And who actually had nothing to do with the sale . My hats off to everyone involved. I wont name names. But it took a team like this to make my dreams come true. And Im not the easiest person to please. Thank you for taking a moment out of your busy day to hear me out. I had to make this right....

    13. buy here pay here Independence dealer review by Tonya Streeter

      Tonya Streeter rated CarMax

      Trevor Porter was amazing at helping me. I was not 100% sure what I was wanting and he was very patient and kind. He actually made car shopping a fun experience and I have never been able to say that before! Thanks again Trevor!!

    14. buy here pay here Independence dealer review by Dennis Savlin

      Dennis Savlin rated CarMax

      It was a great experience. We got the car we liked. Then two days later we found another car we liked better. It was transferred from Iowa and held till we could get there and swap it out. We enjoyed all of the time that we dealt with CarMax and Carlos Pinto.

    15. buy here pay here Independence dealer review by Mary Fifer

      Mary Fifer rated JJ’s Auto Sales

      We drove nearly 2 hours to see Tony at JJ's Auto Sales on 24 and are so glad we did . We received honest and respectful service and a great deal with zero pressure. Tony made an anxious time into a huge relief. I will recommend him at JJ's to family and friends who are shopping for a used car. Thanks so much and God bless!

    16. buy here pay here Independence dealer review by Thomas Cupp Jr.

      Thomas Cupp Jr. rated JJ’s Auto Sales

      Tony is the best! He helped me out big time. We had a few issues and he helped to solve them. Great place to get a car!

    17. buy here pay here Independence dealer review by Keri Shoff

      Keri Shoff rated Cable Dahmer Auto Direct

      This is the best place to buy a used car. They were so helpful and even fixed us up after the service center on Noland rd kept providing us poor customer service. In fact always buy you cars here not at the place on Noland road. We have not had a good experience with buying used cars from the place on Noland rd. Again always buy your car from Auto Direct on 40hwy and ask for Gus.

    18. buy here pay here Independence dealer review by Holly Blankenship

      Holly Blankenship rated Cable Dahmer Auto Direct

      Steve & Mark have made this such an easy process. They both spent an entire day with me searching & searching for a car that checked all the boxes. Mind you this was also on a snowy/icy day! Steve didnt mind taking me on as many test drives, or running me around to different stores to find what I was looking for! It's so appreciated and now I have a vehicle I love!

    19. buy here pay here Independence dealer review by Amber Smith

      Amber Smith rated Landmark Dodge Chrysler Jeep RAM

      Danielle is an amazing sales lady here. She helped me and my husband get into the perfect vehicle last month. She knew everything about the Rubicon we bought. Showed us all the features step by step with out hesitation. She definitely made our car buying experience wonderful and because of her, me and my husband will return to purchase all of our vehicles through her! Thank you Danielle. You was great!!

    20. buy here pay here Independence dealer review by Dorothy Mercer

      Dorothy Mercer rated Landmark Dodge Chrysler Jeep RAM

      I am at a loss, I can't remember the name of our sales person. He was a fine young man though. We are very happy with our purchase on your used vehicle inventory side. The point is, your teamed worked quite well with us and we are very happy with the purchase of our 2019 Ram Limited. Thanks for a great experience. I love my dodge vehicles. All of them, :-) Keep up the good work and keep hiring star employees, such as the one we worked with.

    21. buy here pay here Independence dealer review by Dylan Hill

      Dylan Hill rated Courtesy Cars

      Ive bought several cars and trucks there. Over 30 yrs and each one has been a very good buy ...These guys no how to get the best ones at auction..Its the only lot on 24hwy to buy a used vehicle or truck and get fair deel...Theyre neibors across the hiway are wanting 10.thosand dollars for cars with 150.200 thousand miles.Courtesy has great variety of vehicles and also have some late models as well..Theyve been there for at least 30 yrs..Pavey Salaki sold me my first camaro..Theyve always been honest 100%..

    22. buy here pay here Independence dealer review by russell straight

      russell straight rated Courtesy Cars

      Impressed with the care taken to their cars and fixing them for sale. Great staff.

    23. buy here pay here Independence dealer review by Kirk Stock

      Kirk Stock rated Stadium Auto LLC

      I have bought 2 cars a year apart from Pete and Joanna. Both were what they said they were. They were honest about the vehicles and I got a good deal on each of them. These are good people who do a good job. That's hard to find at a used car lot. I will buy another car from them in a couple of years.

    24. buy here pay here Independence dealer review by Russell Hall

      Russell Hall rated Stadium Auto LLC

      Very nice people to do busines with. They really go out of their way to put you in a vehicle!

    25. buy here pay here Independence dealer review by Stephanie Carstens

      Stephanie Carstens rated Best Buy Car Co

      Super fast and easy. Would recommend and use again.

    26. buy here pay here Independence dealer review by Jennifer Francis

      Jennifer Francis rated Best Buy Car Co

      Great company to do business with. Love my 04 Blazer and the 4wd has come in handy. Will go back to do more business with.

    27. buy here pay here Independence dealer review by Sheila Parker

      Sheila Parker rated Wholesale Auto Outlet

      They are very friendly people! very much like family! Great customer service. The owner Tony tries to solve any issues with the car. Works with you on payments. My first car I bought from him was amazing! Loved that car! So I came back! More than likely I'll be back!

    28. buy here pay here Independence dealer review by patty abnos

      patty abnos rated Wholesale Auto Outlet

      Very pleasant experience! Great car too :) Thanks! It's a relief to know that finally have a place that I can trust.

    29. buy here pay here Independence dealer review by Bobby Boyd

      Bobby Boyd rated Asset Automotive

      Use to work there. Nice people.

    30. buy here pay here Independence dealer review by Melissa Gheen

      Melissa Gheen rated Asset Automotive

      Best place to get a great car and get approved. Other dealers so l say no we say yes?

    BHPH Independence MO dealer

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