Top 18 Buy Here Pay Here Dealers in Indianapolis IN

Looking for a used car dealer in Indianapolis IN but your credit is in bad shape?

Connect with top 18 buy here pay here Indianapolis IN car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Indianapolis'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 Indianapolis IN

  • DriveTime Used Cars, IN

  • Johnny’s Auto Motor, IN

  • Carplex, IN

  • DriveTime Used Cars, IN

  • Carplex, IN

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

  • Joe’s Auto Sales, IN

  • Joe’s Auto Sales, IN

  • Joe’s Auto Sales, IN

  • Ray Skillman Hyundai, IN

  • Curtis Motor Sales, IN

  • Did you know? These BHPH Indianapolis IN 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 Indianapolis 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.

  • Oak Motors, IN

  • Oak Motors, IN

  • Drive Away Auto Sales, IN

  • Credit World Auto Sales, IN

  • Motorama Auto Center Indy, IN

  • The phrase buy here pay here Indianapolis IN 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. Indianapolis 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.


  • City Karz, IN

  • Augusta Motors Inc., IN

  • Why buy here pay here Indianapolis IN 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 Indianapolis IN 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 Indianapolis IN 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 Indianapolis IN Works

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

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

    The buy here pay here Indianapolis IN 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 Indianapolis IN 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 Indianapolis IN 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 Indianapolis IN

    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 Indianapolis IN

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

    While buy here pay here Indianapolis IN 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 Indianapolis IN 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.

    Indianapolis IN buy here pay here Reviews

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

    1. buy here pay here Indianapolis dealer review by Lanell

      Lanell rated DriveTime Used Cars

      Charles and Nick you guys are awesome! GREAT CUSTOMER SERVICE!! All I can say is if your in need of a car they will try every single way possible to get you in to what you're needing! GIVE THEM A SHOT! Also thanks guys for even staying past closing to ensure I was pleased! I am very happy with my purchase!!!

    2. buy here pay here Indianapolis dealer review by Krystal Osborn

      Krystal Osborn rated DriveTime Used Cars

      DRIVE TIME IS ABSOLUTELY AWESOME, CHAD PITTMAN WAS VERY HELPFUL, DETAILED, AND WAS PATIENT AS I LOOK AT OPTIONS. I have never had an experience like this, they take care of your insurance, plates, and my car is covered for next 5 years if I have any isses!! I wish I could give 1000 stars, this place was a blessing in disguise!

    3. buy here pay here Indianapolis dealer review by Faby Denney

      Faby Denney rated Johnny’s Auto Motor

      Buying a car can be a nightmarish experience, but my sales rep Paul made it easy and pleasant. I had my two daughters with me when we went for our test drive and he was so kind and helpful. As a full time working/going to school mom I cannot express how thankful I was to have found people who are respectful and will work hard to help you in any way they can with your purchase even outside working hrs. I cannot recommend them enough. Thank you to all the staff at Johnny's but most specially my sales rep Paul, you rock!! I would definitely recommend them to anyone in the market for a new car =).

    4. buy here pay here Indianapolis dealer review by ashley Mack

      ashley Mack rated Johnny’s Auto Motor

      Great please. Staff is very nice. I'm always treated with respect.

    5. buy here pay here Indianapolis dealer review by Michael Van Cleave

      Michael Van Cleave rated Carplex

      Yesterday I purchased my second vehicle from Carplex Indy always excellent excellent service. Nikeya found the car I was looking for and her working with Mark got the price and payments I like. Beautiful car...low mileage they work hard to get you the deal you want.You definitely have a loyal customer for life...Thanks guys.

    6. buy here pay here Indianapolis dealer review by Amber Thomas

      Amber Thomas rated Carplex

      Today i experienced the most amazing experience from Ms. Nikki. She was very energetic and upbeat from the get go. I had a few set backs and this team did everything in their power to get me in my car. I appreciate everything you did for me in this experience. Thank you again from the bottom of my heart.

    7. buy here pay here Indianapolis dealer review by Ekaterina Koon

      Ekaterina Koon rated DriveTime Used Cars

      DaJuan did everything to help us get a great deal! I absolutely love my new car. We brought all 3 of our young kids with us and the entire staff there was extremely kind and helpful. Great place to buy a car.

    8. buy here pay here Indianapolis dealer review by Kyle Riddle

      Kyle Riddle rated DriveTime Used Cars

      Ernesto was very helpful with any questions we asked. He went over everything with the vehicle in great detail. Definitely a good feeling doing business with someone like that thanks again.

    9. buy here pay here Indianapolis dealer review by Ja'Da Miller

      Ja'Da Miller rated Carplex

      Erica Was really awesome, everything was smooth and fast sailing. She called first to start the process and asked a lot of good questions. Came back with options that I would like and in my price range. The whole Carplex team was friendly and nice. Thanks !

    10. buy here pay here Indianapolis dealer review by Samantha Pollyea

      Samantha Pollyea rated Carplex

      Amazing group of professionals!

    11. buy here pay here Indianapolis dealer review by Tiffony Sturgeon

      Tiffony Sturgeon rated Joe’s Auto Sales

      Very knowledgeable and friendly staff. Got me set up with what I needed and I"m very happy with how the whole process went. Thank you Jack! I love my car!

    12. buy here pay here Indianapolis dealer review by Kayla Vaughn

      Kayla Vaughn rated Joe’s Auto Sales

      They were absolutely great. Put me in a beautiful Lexus ES 300 ! Shout out to Edward for being so patient and trustworthy!!!!!!!!! I highly recommend you come here. And the rest of the staff is very friendly ?

    13. buy here pay here Indianapolis dealer review by Eric Stevens

      Eric Stevens rated Joe’s Auto Sales

      Eddie got me in a new car fast and easy, great service.

    14. buy here pay here Indianapolis dealer review by Beautifulcurves Boutique

      Beautifulcurves Boutique rated Joe’s Auto Sales

      Javier Is a good sale person. He work with me even with my bad credit. He let me pick what I want & he work with me for my down payment. So far my Chevy Cruz 2013 is running real good. I appreciate him so much for work with me. You have license and money but get turn down because your credit at most car lot. Javier he will work with you. If Y’all looking to buy a new car go check his lot out. He do his best to help you and get you in the car you want.

    15. buy here pay here Indianapolis dealer review by David Childress

      David Childress rated Joe’s Auto Sales

      Great place, nice people, I bought a motorcycle there and they treated me right

    16. buy here pay here Indianapolis dealer review by derrick huesman

      derrick huesman rated Joe’s Auto Sales

      If you are in the market for a decent used car, then Joe's Auto East is the place for you. They offer weekly or bi weekly parent plans, and they are willing to work with you if you've demonstrated an ability to make timely consistent payments. The employees are professional grade, and treat you like a person instead of dollar signs. Ask for Santos or Brian.

    17. buy here pay here Indianapolis dealer review by Terri Renee Stalcup

      Terri Renee Stalcup rated Ray Skillman Hyundai

      Awesome staff, was taken care of quickly and the work done well.

    18. buy here pay here Indianapolis dealer review by Sahne YARO

      Sahne YARO rated Ray Skillman Hyundai

      They are nice and helpful except they won't hesitate a second to put up to fifteen hard inquiries on your credit report for the sake of selling you a car. At least that was my experience. And I got turn down by half of the banks because I have too many hard inquiries, ironic.

    19. buy here pay here Indianapolis dealer review by Joey Dodge

      Joey Dodge rated Curtis Motor Sales

      My wife bought a car and its place on Thursday this past week they were fantastic okay great customer service very professional they didn't push her into anything she didn't want they work wear I find a vehicle she want it it's a great bought 2013 Ford Escape SE

    20. buy here pay here Indianapolis dealer review by LaRell Humphries

      LaRell Humphries rated Curtis Motor Sales

      Great lot

    21. buy here pay here Indianapolis dealer review by Destiny Lutane

      Destiny Lutane rated Oak Motors

      I visited today as a young woman unsure about this process for I've never bought a vehicle before and made payments! I was greeted immediately and friendly by Larry Amburgy. He was kind, reassuring and very helpful when I didn't understand something! If you come to oak motors on the south side come see Larry!

    22. buy here pay here Indianapolis dealer review by Shaunda Goings

      Shaunda Goings rated Oak Motors

      Larry needs a raise! He's so cool and professional. Everything done in a timely manner and reasonable payments. Even drove away in a better car than I thought I could get! I'd recommend this place to anyone! So happy! ?

    23. buy here pay here Indianapolis dealer review by Isaiah Hubbard

      Isaiah Hubbard rated Oak Motors

      Came in looking for a car and sat down with Kevin and he was great assistance. He helped me out a lot and made sure I was making the right choice with a car. Really recommend coming here and getting a car they work with you and help find the best deal for you. Really great service!

    24. buy here pay here Indianapolis dealer review by Fawn Ramey

      Fawn Ramey rated Oak Motors

      Best car buying experience ever! Had to drive to Anderson to pick up our car. It was a blast to and from. Antoine was so much fun. He was helpful and efficient. At closing we worked with Lainey, hopefully I spelled that right. She was a joy! Everyone is down to earth and in high spirits!!! Will be back!

    25. buy here pay here Indianapolis dealer review by Ashley Clark

      Ashley Clark rated Drive Away Auto Sales

      Kayla was super helpful. Found a good quality car for less. Love it. Would highly recommend.

    26. buy here pay here Indianapolis dealer review by michael gordon

      michael gordon rated Drive Away Auto Sales

      Decent car lot i have bought a good amount of vehicles from them through out the years

    27. buy here pay here Indianapolis dealer review by Phyllis Brown

      Phyllis Brown rated Credit World Auto Sales

      Love the people there, very friendly and fair. The down payments are clearly marked on the vehicles and there's no funny stuff at the closing of your contract. I've had my van over a year now and only minor maintenance issues... so update, once again they have given me a reason to review them, got another car because some douche hit me head on and totaled the van I got from them, gave me a great deal. Note van was still running great after three years..

    28. buy here pay here Indianapolis dealer review by Natacha Lambert

      Natacha Lambert rated Credit World Auto Sales

      Always super friendly. Whenever I come I'm always greeted with a smile. Great place to get a car.

    29. buy here pay here Indianapolis dealer review by tom mccool

      tom mccool rated Motorama Auto Center Indy

      Purchased my car from there. They are helpful and friendly anytime I have questions or need some work done to the car.

    30. buy here pay here Indianapolis dealer review by Martin Rosales

      Martin Rosales rated Motorama Auto Center Indy

      They good folks good cars ... They treat folk right that why we have pay off three diff cars and have two now with them... If need good car and service check them out they treat you right

    31. buy here pay here Indianapolis dealer review by Karrey Little

      Karrey Little rated MICHIGAN MOTORS

      Bought 2 vehicles from these guys, very friendly and helpful, I will buy every car from them forever! They were very honest about their vehicles and gave me a great price. I recommend anyone searching for a car to look here, thank u guys so much!

    32. buy here pay here Indianapolis dealer review by Moncef Laouini

      Moncef Laouini rated MICHIGAN MOTORS

      Bought a solid car for a good price.

    33. buy here pay here Indianapolis dealer review by Robert Nieten

      Robert Nieten rated City Karz

      I bought a Olds Aurora a few years back. They did me right. The staff was always friendly and helpful. I was always able to speak to their boss. Am going back soon to buy a second vehicle.

    34. buy here pay here Indianapolis dealer review by Jennifer Mitchell

      Jennifer Mitchell rated Augusta Motors Inc.

      This place has the most friendly and knowledgeable staff I’ve seen in a while. Had a few hiccups that they fixed right away. Would totally recommend this place!

    BHPH Indianapolis IN dealer

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