Top 17 Buy Here Pay Here Dealers in Jacksonville FL

Looking for a used car dealer in Jacksonville FL but your credit is in bad shape?

Connect with top 17 buy here pay here Jacksonville FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Jacksonville'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 Jacksonville FL

  • DriveTime Used Cars, FL

  • DriveTime Used Cars, FL

  • DriveTime Used Cars, FL

  • Credit Solution Auto Sales, FL

  • March Motors, FL

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

  • Byrider Jacksonville, FL

  • Cassat Auto Sales, FL

  • Cars Of Jax Inc, FL

  • Buy Right Jax, FL

  • Trust Motors, FL

  • Did you know? These BHPH Jacksonville FL 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 Jacksonville 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.

  • First Coast Auto Sales Inc, FL

  • Cars and Credit of Jacksonville, FL

  • First Coast Auto Sales, FL

  • Network Auto Sales, FL

  • Castle Used Cars Inc., FL

  • The phrase buy here pay here Jacksonville FL 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. Jacksonville 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.

  • Beach Blvd. Automotive, FL

  • Motor Mall, FL

  • Why buy here pay here Jacksonville FL 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 Jacksonville FL 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 Jacksonville FL 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 Jacksonville FL Works

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

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

    The buy here pay here Jacksonville FL 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 Jacksonville FL 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 Jacksonville FL 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 Jacksonville FL

    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 Jacksonville FL

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

    While buy here pay here Jacksonville FL 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 Jacksonville FL 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.

    Jacksonville FL buy here pay here Reviews

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

    1. buy here pay here Jacksonville dealer review by Tracey Allen

      Tracey Allen rated DriveTime Used Cars

      Upon arrival to Drive Time at Cassat Avenue we were greeted by a very assisting man. He brought us to a very comfortable customer area. We began a initial interview with Jonathan who was very educated in the work he begin with us prior to meeting Marcus our Customer Agent who would handle the meat of the interview and collect documentation. Marcus was very business oriented and comfortable to speak to, he answered all our concerns, questions and showed us the vehicles best suited to our needs and financial parameters. We had a test drive which was not only educational but enjoyable. After completing all questions and signing our documents my husband and I became the proud owners of a new used car. A purchase and investment we will enjoy for many years to come. We give a huge shout out and thank you to Marcus on a job well done. We would like to encourage those individuals interested in a vehicle to consider Drive Time on Cassat Avenue for your next purchase. Ask for Marcus ?

    2. buy here pay here Jacksonville dealer review by Michael Parr

      Michael Parr rated DriveTime Used Cars

      Everyone there was great, but Jonathan went above and beyond to get me in a vehicle! Bought a 2015 Tacoma there and it had issues, took it back in 2 days, and Jonathan found me a 2018 Tacoma with 80000 less miles for the same payments! Would highly recommend this place! Great people and very honest and upfront

    3. buy here pay here Jacksonville dealer review by april norman

      april norman rated DriveTime Used Cars

      Had a wonderful experience! I worked with Ms. Emmy, to find the perfect car for my self and my family. Although the store seemed really busy they took the time to answer all of my questions. Plus they where able to bring the car I really wanted from another dealership to this one and hold it a bit longer until I could get the rest of my down payment for it. I scored a great car with an amazing low payment.

    4. buy here pay here Jacksonville dealer review by Nikeia hooten

      Nikeia hooten rated DriveTime Used Cars

      My daughter called DriveTime for her first car. She spoke with Tony who made her feel comfortable and excited. She signed and now driving. Thank to Stephen who helped answer all of her questions. Everyone there has been awesome. Thank you for making her first experience a great one. She will always remember this day..

    5. buy here pay here Jacksonville dealer review by shanita cox

      shanita cox rated DriveTime Used Cars

      Today and overall. The experience was outstanding. Ms. Destiny Webb was really good at what she does. Ms. Webb made my husband feel really good about buying a vehicle. She has great personality. Thank you for everything.

    6. buy here pay here Jacksonville dealer review by Tameka Sampson

      Tameka Sampson rated DriveTime Used Cars

      This was absolutely by far the smoothest, no haggle, no hounding and the best headache car buying process I’ve ever experienced. I went to a few dealerships and I would recommend Neil with Drive Time on Atlantic again and again! No hidden fees, no extra costs thrown on when I showed up to buy my car and more importantly the car is B E A U T I F I L!

    7. buy here pay here Jacksonville dealer review by Leah Mobley

      Leah Mobley rated Credit Solution Auto Sales

      Highly Recommend! Great Experience! Jay Rod was amazing! Everyone was so nice made me feel like family. I have bought alot of vehicles and by far my best experience !!

    8. buy here pay here Jacksonville dealer review by Florida Joe

      Florida Joe rated Credit Solution Auto Sales

      Best deals around!

    9. buy here pay here Jacksonville dealer review by Josh Barnes

      Josh Barnes rated March Motors

      Patty helped me in my time of need for a vehicle. I have had my Toyota Tacoma truck since August and it looks show room shine inside and out since the day I drove it off the lot. My credit is better too because March Motors does report to the credit agency. The car salesman was very honest and let me choose a vehicle of my choice without being pressured. Just have some knowledge of what you want and know what you can afford payment wise. I highly recommend anyone to get a vehicle through March Motors. Please go see David, he will help you get what you want!

    10. buy here pay here Jacksonville dealer review by Lance Beaudoin

      Lance Beaudoin rated March Motors

      March Motors is a great place to go .they've been in the neighborhood for years !Peppermint Patty is a real sweet lady ,she knows how to wheel and deal and she will try to guarantee that you walk out of there with something that you enjoy at an affordable and fair price!

    11. buy here pay here Jacksonville dealer review by Brian&Kim M

      Brian&Kim M rated Byrider Jacksonville

      Good used cars and a warranty you cant find no where else ..sales crew is awesome thank yall and the Service department are a top notch crew ... they diagnosed my 2013 Chrysler 200 and fixed my issues that the car was having ...token to dealer twice couldn't find the issue toke to ByRider they found the problem and fixed it no more issues thank you again! Love the $5 oil change coupons you get ...was told as long as I'm paying my car note loan i just pay $5 for oil changes at selected jiffy lubes !

    12. buy here pay here Jacksonville dealer review by Tam D

      Tam D rated Byrider Jacksonville

      After going to 2 different dealerships and being denied at both I went to Byrider. Mike Jones was really friendly and informative about what to expect before I even went inside. Mrs Nicki was really nice and adamant about getting me into a car. I was quickly approved and put on the phone with the finance company to verify some information. Mrs Nicki came out with a long list of cars that I could get into, and the cars I really liked were all on that list. Even though I had to put down more than expected I didn't have to put as much down as the other dealers wanted. I love my car so much and I feel it was a great deal. The team was nice and very laid back. I would recommend anyone who has trouble getting a car financed to go to Byrider and they have really nice cars.

    13. buy here pay here Jacksonville dealer review by Janice Willis

      Janice Willis rated Cassat Auto Sales

      Wonderful young man (salesman - Marcel)... very helpful, honest. Tries his very best to get you a good deal and in a car... Thanks

    14. buy here pay here Jacksonville dealer review by Christopher Salmons

      Christopher Salmons rated Cassat Auto Sales

      Most amazing staff ever. Very helpful and nice. Vic and his staff was awesome. So recommend if you are looking for a car stop by and you will not be disappointed and will most likely leave in a new ride.

    15. buy here pay here Jacksonville dealer review by Sarina Teemo

      Sarina Teemo rated Cars Of Jax Inc

      Me and my Husband bought a 04 Jeep Cherokee the first night it shut off so i called that morning spoke with Neal to speak with someone they came to where i was within 20 minutes of me calling, got it running we drove to their lot they fixed the problem and we left And haven't had a problem since. We went to pick up the hard tag and told them we decided to change the shocks they told us to go somwhere and we can can get a discount under their name. If you can talk to Neal he helped up A lot not mention staying almost 2 hours after hours helping us find insurance. Def recommend and will go back next time i need a car. Thanks Neal for all you did for my family

    16. buy here pay here Jacksonville dealer review by Nico T. Dalla Mora

      Nico T. Dalla Mora rated Cars Of Jax Inc

      The right place to buy a Car with no credit! Buy here Pay Here!

    17. buy here pay here Jacksonville dealer review by Buy Right Jax

      Buy Right Jax rated Buy Right Jax

      We Want to thank those who have taken the time from there busy schedules to write a review. We really appreciate the kind words and will continue to work towards our goal of providing every possible assistant to those who need help finding and purchasing a vehicle, thanks again.

    18. buy here pay here Jacksonville dealer review by Samual Stillone

      Samual Stillone rated Buy Right Jax

      I bought a 2005 Mustang V6 from them and they got it financed with no issues when 2 other dealers wanted twice the down payment. I would buy again from these guys, but I plan to keep my Mustang for a long time. I will post a recommend to my Facebook for these guys.

    19. buy here pay here Jacksonville dealer review by Natasha Ruiz

      Natasha Ruiz rated Trust Motors

      Great service!! Henry was very friendly and very helpful! I love my car! They made the buying process easy and painless! I would definitely recommend to friends and family

    20. buy here pay here Jacksonville dealer review by Dean Sawadeh

      Dean Sawadeh rated Trust Motors

      Trust motors in Jacksonville is absolutely my choice, I am from Ohio I always enjoy flying down there buy a car then drive it back, so far I bought 4 cars and Henry Kept my family happy, easy experience , pretty much straight forward Great quality also hand selected cars, Again thanks Henry I love my Lexus..

    21. buy here pay here Jacksonville dealer review by orin jackson

      orin jackson rated First Coast Auto Sales Inc

      Nice... Got excacly what I asked for!

    22. buy here pay here Jacksonville dealer review by Darrell  Bivens

      Darrell Bivens rated First Coast Auto Sales Inc

      If you buy a Car from First Coast Auto Sales they will take care of the problem. You become first priority

    23. buy here pay here Jacksonville dealer review by Awsome Taco

      Awsome Taco rated Cars and Credit of Jacksonville

      The sales people were great and the payment team is top notch. They have worked with me every step of the way. I bought a 2011 dodge grand caravan in 2018 and I couldn't be happier with the vehicle. It has ran smoothly. Only one issue of a door window actuator and I replaced that myself. Great service and help. I would definitely buy another car from them.

    24. buy here pay here Jacksonville dealer review by Althea Aikens

      Althea Aikens rated Cars and Credit of Jacksonville

      Love this place s,man Jimmy, was awesome patient and honest..Got me the car I wanted..And the gm Jim Jackson was a great man ,willing to take a chance on me ..Thank you cars and credit,love my new wheels

    25. buy here pay here Jacksonville dealer review by Christopher Bell

      Christopher Bell rated First Coast Auto Sales

      My wife and I just purchased a 2009 Subaru Outback from First Coast last week. Our experience with First Coast was positive throughout the entire process. We had the pleasure of working with Lonnie. Lonnie is both very fun to talk to and also very professional and knowledgeable about the vehicles he is working with. I met several people at First Coast in the process of purchasing my new car and my experience with everyone working at First Coast was very positive. Guy is a fantastic manager and absolute pleasure to work with as well. I truly felt like I made new friends and got myself an amazing vehicle in the process. After buying our new Subaru I drove 1300 miles north through all sorts of weather conditions and all sorts of different types of terrain. I had absolutely no problems. I most definitely would recommend anyone shopping for a new vehicle to check out First Coast. Five Stars all the way!!!! Can't wait to see you guys when we move to Jacksonville!!!

    26. buy here pay here Jacksonville dealer review by Skip Estes

      Skip Estes rated First Coast Auto Sales

      I have know a number of sales people and managers that have worked here and they have always said nothing but good things about First Coast Auto Sales. Recently I have heard testimpnials from customers and they are elated to have bought their car here. Service before, during and after the sale.

    27. buy here pay here Jacksonville dealer review by Shawn Milledge

      Shawn Milledge rated Network Auto Sales

      Great place to buy a car. Just purchased my second car from Chad. Stopped by 5-6 times before buying and he never once pressured me on the lot. Easy financing and decent prices. Willing to work with anyone regardless of situation. Highly recommend.

    28. buy here pay here Jacksonville dealer review by Michele Register

      Michele Register rated Network Auto Sales

      Easy to work with. Never had a problem with anything they did or said. Miss Key and Mr Jay are the nicest people to deal with. They get things done!!

    29. buy here pay here Jacksonville dealer review by Cary Douglas

      Cary Douglas rated Castle Used Cars Inc.

      Robert The Owner, Lisa, Alex, Andre, Bishop, Eugene (Mechanic) an amazing crew. They take pride in making sure they accommodate you. I bought my 2010 Chevy Silverado and it's a perfect vehicle to work in and nice enough to take my family out and etc. I recomend them to people all the time. Go get you a nice vehicle and enjoy the company of Castle Auto Sales.

    30. buy here pay here Jacksonville dealer review by Bryan Crews

      Bryan Crews rated Castle Used Cars Inc.

      Stayed 2 hours after closing and didn't try hurrying us into picking something we really didn't care for. Thanks for being patient and most of all thanks for the ride.!!!???

    31. buy here pay here Jacksonville dealer review by Happy Day

      Happy Day rated Beach Blvd. Automotive

      Phil was wonderful I appreciate all the help that he gave me and my husband with me being so picky . Phil helped me decide on the perfect truck for me and my kids to load all there soccer gear and boxing gear into. Very nice guy and respectful. I’m happy he walked up to us when we entered the building I wouldn’t have had it any other way. I appreciate you for all your help and good conversation through the long process. When I decide to purchase another car I’m only coming back to see Phil he was the best. Thank you so much for being patient with me through the process!

    32. buy here pay here Jacksonville dealer review by Melanie Jackson

      Melanie Jackson rated Beach Blvd. Automotive

      This is the best car dealership out there!!! Our salesman Champ was the best hands down. He told us everything up front and worked with us until we were satisfied!!! Champ your the best!! Ask for Champ!!! Cheapest reliable cars suvs trucks...they got it for you!!

    33. buy here pay here Jacksonville dealer review by Google User

      Google User rated Motor Mall

      Everything here was amazing. They helped me with everything down to the insurance. I had some concerns but they took care of everything with no problem. I would recommend this place to anyone looking for a fast, friendly, reliable vehicle.

    34. buy here pay here Jacksonville dealer review by Joshua Spillis

      Joshua Spillis rated Motor Mall

      This is the place to get your vehicle, they are so polite and have great warrantys I worked with Lance a salesman who I recommend I've dealt with other dealerships and they by fare are the best speak with Lance

    BHPH Jacksonville FL dealer

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