Top 11 Buy Here Pay Here Dealers in Irving TX

Looking for a used car dealer in Irving TX but your credit is in bad shape?

Connect with top 11 buy here pay here Irving TX car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Irving'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 Irving TX

  • Melvin Motors, TX

  • DriveTime Used Cars, TX

  • DBD Motor Co., Inc., TX

  • Principle Volkswagen, TX

  • Gary’s Used Cars Inc, TX

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

  • The Auto Cave, TX

  • Toyota of Irving, TX

  • L & C Sales, TX

  • Autolimits, TX

  • Big Shoe Auto Sales, TX

  • Did you know? These BHPH Irving TX 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 Irving 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.

  • Clay Cooley Auto Group, TX

  • Why buy here pay here Irving TX 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 Irving TX 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 Irving TX 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 Irving TX Works

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

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

    The buy here pay here Irving TX 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 Irving TX 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 Irving TX 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 Irving TX

    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 Irving TX

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

    While buy here pay here Irving TX 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 Irving TX 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.

    Irving TX buy here pay here Reviews

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

    1. buy here pay here Irving dealer review by Stephanie Jay

      Stephanie Jay rated Melvin Motors

      What a fair place to consider a vehicle, no hassle and great service. The good folks here made the experience that much better. Not to mention the great mechanic on hand who is also very knowledgeable. Recommended all the way. Thank you

    2. buy here pay here Irving dealer review by Shelby Nedbalek

      Shelby Nedbalek rated Melvin Motors

      Joe was friendly and very helpful. Great service.

    3. buy here pay here Irving dealer review by Dionte'e Reese

      Dionte'e Reese rated DriveTime Used Cars

      Cedric was simply amazing! He provided excellent customer service while being genuine and transparent throughout the entire process. I’d recommend Cedric to anybody looking to purchase a new car. Cedric also provided a stress-free environment and was very conscious of my time.

    4. buy here pay here Irving dealer review by Shantell Mays

      Shantell Mays rated DriveTime Used Cars

      Cedric Foster was the absolute best salesman that I have ever encountered. He worked with my crazy schedule and made sure everything went through exactly how I wanted it! I will recommend him to anyone if they are in the market for a new vehicle!

    5. buy here pay here Irving dealer review by Maria Morales

      Maria Morales rated DBD Motor Co., Inc.

      They have a great prices, also they have a pretty cars

    6. buy here pay here Irving dealer review by Lance Turner

      Lance Turner rated DBD Motor Co., Inc.

      Great people Great service Awesome place to purchase a vehicle.

    7. buy here pay here Irving dealer review by Kevin Portwood

      Kevin Portwood rated Principle Volkswagen

      Working with Stevie Wyatt was great. I had a really positive experience. On a Sunday he drove 2 hours away to make my purchase possible. (I’m an out of town buyer) I appreciated his care and mindfulness of being sanitary and careful during our transfer of new car and trade in. Very professional. Thanks!

    8. buy here pay here Irving dealer review by Vanessa Sanchez

      Vanessa Sanchez rated Principle Volkswagen

      I’ve been to plenty of dealership and let me tell you, I’ve never been this happy about getting a car. Hands down there are the best to work with. Ashley Diaz fought tooth and nail to make sure my mom got into a car, she made sure my mom was happy, and she gave my mom plenty of options to work with. We’re extremely happy with the service we had yesterday. The entire staff was awesome and super friendly!! I will definitely recommend EVERYONE to them. Great service, 5 stars for me & then some!!! Thank you so much Ashley Diaz!!! You rock and you definitely killed it!!! #bossgirlforsure!

    9. buy here pay here Irving dealer review by Del Washington

      Del Washington rated Gary’s Used Cars Inc

      I had an amazing experience receiving exactly what I wanted for an affordable price. I have bad credit and they worked with me still. No hassle at all with the Carsalesman Eleazar. Easiest car purchase I could have imagined.

    10. buy here pay here Irving dealer review by Cody Jack

      Cody Jack rated Gary’s Used Cars Inc

      My wife car

    11. buy here pay here Irving dealer review by Tristan Dodson

      Tristan Dodson rated The Auto Cave

      John and Gary were Awesome. They were able to help us get into a vehicle that we love. Drove over an hour to be leaving happy as can be. They worked with us on the down payment. These guys are the real deal. I recommend these guys to any one. You won’t leave disappointed.

    12. buy here pay here Irving dealer review by Steve Stratton

      Steve Stratton rated The Auto Cave

      Congratulations ? to Jerry Z. On his amazing new car purchase...

    13. buy here pay here Irving dealer review by McKenzie Gak

      McKenzie Gak rated Toyota of Irving

      We love coming here because Wesley is THE BEST! Always helpful, no suggesting unnecessary repairs, and very friendly. We always try to see him! The waiting area is also very comfortable, and they always put out cookies to enjoy with complimentary light beverages. :) Have never had a bad experience here!

    14. buy here pay here Irving dealer review by Annie Oliver

      Annie Oliver rated Toyota of Irving

      Had my car seeviced at Toyota of Irving this week. It was a wonderful experience. Robert Wilson was my service advisor. He did a wonderful job explaining to me that needed to be done. The store is beautiful is clean; fresh coffee and sodas free cookies and apples while you wait. When the work was completed Robert went over everything and told me my brakes were getting low and that I needed to get them replaced soon. I really appreciate him letting me know so I can fit in another service trip soon. They treat you like family at Toyota of Irving

    15. buy here pay here Irving dealer review by Jasmine Reed

      Jasmine Reed rated L & C Sales

      Great people and customer service. Literally made my car buying experience super easy! They had me in and out not to mention are most understanding and helpful!

    16. buy here pay here Irving dealer review by Kristi Bell

      Kristi Bell rated L & C Sales

      They helped me find exactly what I wanted with affordable payments. They are so friendly and answer all my questions.

    17. buy here pay here Irving dealer review by Dan Kimbrell

      Dan Kimbrell rated Autolimits

      Ask for Julio or Adnan....Great Customer Service, Great Experience, Already Bought My BMW....and already got their cards up in my Office Break Room....Ok to do Bank Finance and/or Buy Here/Pay Here Also. - Dan

    18. buy here pay here Irving dealer review by Melissa Watkins

      Melissa Watkins rated Autolimits

      Awesome place good people I am very satisfied with my purchase.

    19. buy here pay here Irving dealer review by TheDivine Goddess

      TheDivine Goddess rated Big Shoe Auto Sales

      O...MG! So I never do reviews but I always read them. When I tell you this place is an entire blessing! And Jose Lopez is an angel! He was great! Very upfront and honest about everything!!! My credit score is like 590 and I have two reps on my name. He accepted $800 and got me into a very good and reliable car! I'm referring EVERYONE here!! Looove my experience even better than some dealerships I've been to! If you ever go, tell them Ms. Scott sent you so you can get a discount for being referred. Good customer service is very hard to find these days! And I found it!! I wish I had more words!! ?

    20. buy here pay here Irving dealer review by Ashanti Wickware

      Ashanti Wickware rated Big Shoe Auto Sales

      Jose was amazing !!! He was very polite and informative and upfront about everything. Great selection of cars and great service! Thanks Jose!

    21. buy here pay here Irving dealer review by Yosheme Al

      Yosheme Al rated Clay Cooley Auto Group

      Truly an overall, satisfying experience!!! Honestly, I hate going to dealerships; I hate the whole experience, but my mom needed a reliable car. I always play “bad cop”-no nonsense, strictly business, don’t waste my time or I will leave. You get the idea. Anyways, Stephen S. did an awesome job!!! He had the keys and vehicles waiting for my mom to test drive. Then, we went to meet with Kevin in Finance. He did a stellar job!.The paperwork was handled efficiently . It was a surprisingly, painless experience, actually pleasant, as far as buying cars go.

    BHPH Irving TX dealer

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