Top 15 Buy Here Pay Here Dealers in Joliet IL

Looking for a used car dealer in Joliet IL but your credit is in bad shape?

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

  • Joliet Auto Center, IL

  • Chignoli Auto Sales, IL

  • Hebron Auto Sales, IL

  • Byrider Joliet, IL

  • Bibian Bros. Auto Sales & Service, IL

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

  • Big Discount Motors, IL

  • Bob Martin Auto Sales, IL

  • Broadway Car Mas, IL

  • Auto Land inc, IL

  • E-Z Auto Sales, IL

  • Did you know? These BHPH Joliet IL 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 Joliet 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.

  • Your Choice Auto Sales, IL

  • Gonzalez Auto Sales, IL

  • Auto Concepts, IL

  • Gonzalez Motors, IL

  • Cass Auto Sales Inc, IL

  • The phrase buy here pay here Joliet IL 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. Joliet 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 Joliet IL 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 Joliet IL 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 Joliet IL 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 Joliet IL Works

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

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

    The buy here pay here Joliet IL 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 Joliet IL 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 Joliet IL 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 Joliet IL

    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 Joliet IL

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

    While buy here pay here Joliet IL 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 Joliet IL 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.

    Joliet IL buy here pay here Reviews

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

    1. buy here pay here Joliet dealer review by Sheyenne Crayton

      Sheyenne Crayton rated Joliet Auto Center

      Great service, they really worked with me to get a car. My experience was great here and I was in and out in no time. I definitely recommend this place!

    2. buy here pay here Joliet dealer review by Fred Jarm

      Fred Jarm rated Joliet Auto Center

      I got a Dodge Charger for my son here. Nazeem is great. He kept his word on everything. I couldn't be happier!

    3. buy here pay here Joliet dealer review by Corey Mehlos

      Corey Mehlos rated Chignoli Auto Sales

      Excellent service. Greg was very straightforward, kept me in the loop, and was very responsive to all of the questions my wife and I had. The vehicle was inspected by a mechanic and the transmission and electronics were in excellent condition. I highly recommend this customer-focused family business.

    4. buy here pay here Joliet dealer review by Erik O'Neill

      Erik O'Neill rated Chignoli Auto Sales

      First time customer and couldn’t be happier, unbeatable deal on exactly the car I was looking for. Highly recommend for anyone looking for their next vehicle.

    5. buy here pay here Joliet dealer review by J Frank

      J Frank rated Hebron Auto Sales

      Thankz for lookin out! really the only one that got me approved ???? good lookin out Ray

    6. buy here pay here Joliet dealer review by Ava Fotsis

      Ava Fotsis rated Hebron Auto Sales

      Awesome cars and great service

    7. buy here pay here Joliet dealer review by David Carter

      David Carter rated Byrider Joliet

      Byrider Joliet staff you have been a blessing for me. Thank you for your integrity, professionalism and customer service. Denise was superb and the others as well. I had experienced so many games and lies with other dealers. I am glad to know there are still dealers who care about the customer. God bless all of you.

    8. buy here pay here Joliet dealer review by COREY GAVIN

      COREY GAVIN rated Byrider Joliet

      Great place and fast service on point

    9. buy here pay here Joliet dealer review by Kevin Watson

      Kevin Watson rated Bibian Bros. Auto Sales & Service

      I recently bought a quality used car from this dealership. I am so happy with the car. I am also happy with my experience with the sales people. They were up front and they gave me a good deal, working with me a little on the price. Most importantly, I felt they were honest with me. That is important to me. Through the whole process their word was good. I will recommend them to my friends. Kevin

    10. buy here pay here Joliet dealer review by Breanna Autman

      Breanna Autman rated Bibian Bros. Auto Sales & Service

      Great customer service. Good place with good prices, I love my truck thank you!!

    11. buy here pay here Joliet dealer review by BBB

      BBB rated Big Discount Motors

      I bought a great car there about 5 years ago car still runs great. Would go back!!!

    12. buy here pay here Joliet dealer review by Cowson The Meinger

      Cowson The Meinger rated Big Discount Motors

      I was very impressed with their transparency on the cars. I was told right away what issues on the car were fixed and what issues I might want to address in the near future. They are an honest family owned business and they gave me a great deal.Will definitely recommend .

    13. buy here pay here Joliet dealer review by Thomas Altiery

      Thomas Altiery rated Bob Martin Auto Sales

      Took some time getting everything done but friendly and very helpful with financing and getting insurance on vehicle.

    14. buy here pay here Joliet dealer review by CAL GREENE

      CAL GREENE rated Bob Martin Auto Sales

      I recently bought a Cargo van after my trusty but rusty van finally bit the dust. I always noticed that they a few nice looking vans in stock so i went to check them out. I ended up buying a van from JR and they even helped me get financing secured because commercial vans aren't the easiest things to get a loan On. I spent a little more than i wanted to in the beginning but i got a nicer van than i thought i would. Thanks Guys

    15. buy here pay here Joliet dealer review by Timothy Hamlett

      Timothy Hamlett rated Broadway Car Mas

      Great service!

    16. buy here pay here Joliet dealer review by Kk Smith

      Kk Smith rated Broadway Car Mas

      Raul helped me get my new car i love this place they know how to treat the customer thanks again CARMAS

    17. buy here pay here Joliet dealer review by Jason Chi

      Jason Chi rated Auto Land inc

      Just purchased a used FJ. Very pleased with my experience. I brought the car to a mechanic for a pre-inspection, found a couple issues which Auto Land fixed at no cost. I was able to negotiate a fair deal for my trade. José was great to deal with and Nancy was helpful in figuring out the financing situation. Just do you're homework before hand and you should be able to leave with a good deal.

    18. buy here pay here Joliet dealer review by Bob Fernandez

      Bob Fernandez rated Auto Land inc

      Bought a Buick Enclave there. Clean, good car. Price was right in line with the other 6 Enclaves the wife had to look at that long Saturday from hell. Shortly after getting it home an engine light appeared....the wife call them and they said bring it back so they can determine what the issue was. They fixed it at no cost (it was actually a missing gas cap) . Our Salesman, Amaury (i think his name was) was honest and upfront with all our questions. Im not a fan of salespeople but this guy wasnt your normal fake salesguy.... I will likely go back to him when Im ready to replace my car. He didnt try to tell you what you wanted to hear, he showed us where there was issues...as minor as they were and he proactively fixed an issue he noticed while we inspected the vehicle...he didnt wait for us to ask or hope it would go unnoticed. The office person, Nancy (i think) was VERY helpful and VERY nice. Was the icing on the cake. I wouldnt worry at all about buying a car from Auto Land...and I would honestly say that its probably the best and easiest car buying experience Ive had to date.....and Im 50.

    19. buy here pay here Joliet dealer review by Sergio Funes

      Sergio Funes rated E-Z Auto Sales

      Kevin is the main guy here to help you get yoir new ride. Talk to Kevin about your options and you'll be driving home

    20. buy here pay here Joliet dealer review by Wojtek Daski

      Wojtek Daski rated E-Z Auto Sales

      I had a great experiences at, E-Z Auto Sales the sales team and management were very helpful and accommodating, and they have best financing in town! I definitely recommend this place for your next vehicle purchase. ??

    21. buy here pay here Joliet dealer review by Richard Morenberg

      Richard Morenberg rated Your Choice Auto Sales

      I went in looking for a decent car for my budget knowing I wouldn't be able to finance. Jessie was my main sales guy he showed me almost everything in my price range. the sales guys were friendly and treated me with respect. once I decided on a vehicle I was introduced to one of the sales managers who was also very friendly and went over the numbers with me. I told him my concerns regarding a few things on the vehicle he asked me to show him and he was able to address them quickly and easily. we scheduled them to be addressed then next week as he needed to order the items needed. so far I'm loving my car and the sales team was great Jessie, Ray and Izmar I think I got that last one right but if not I apologize were great. I'm happy with my car and wold recommend them whole heartily.

    22. buy here pay here Joliet dealer review by Ron Baker

      Ron Baker rated Your Choice Auto Sales

      The salesman Jesse was great so helpful and polite. No pressure sale. Management and staff were also extremely friendly and helpful. Will definitely buy here again.

    23. buy here pay here Joliet dealer review by Cecilia Lona

      Cecilia Lona rated Gonzalez Auto Sales

      Great cars at decent price.. Very responsible owners and friendly.. Very very helpful at the time of getting a car.. The car had an issue and was 100% fixed.. No problems at all.. I really recommend this place..

    24. buy here pay here Joliet dealer review by Scott Rheinheimer

      Scott Rheinheimer rated Gonzalez Auto Sales

      Great people to deal with!

    25. buy here pay here Joliet dealer review by Rhonda Woods

      Rhonda Woods rated Auto Concepts

      5 STAR! They treat you like family. Mike went above and beyond in helping me get into the truck I've been looking months for and weren't pushy at all. They have a huge selection of clean diesels. Will do business again and recommend y'all to all my friends and family!

    26. buy here pay here Joliet dealer review by Neal Edgar

      Neal Edgar rated Auto Concepts

      Awesome place to buy a clean reliable diesel truck! These guys are very knowledgeable about what they're selling and don't BS or pressure you to buy. Truck was exactly as described. They have been extremely helpful and professional from start to finish. Thanks again!

    27. buy here pay here Joliet dealer review by Kat Madrigal

      Kat Madrigal rated Gonzalez Motors

      Best auto dealer I've been at. Great service and deals. I can absolutely say that this is where I plan on buying my next car. Since the moment I set foot in the office I was treated as if I'm their best customer. If you're looking for a place to buy a car go to Gonzalez Auto Sales! You will not regret it!

    28. buy here pay here Joliet dealer review by Connor Hansen

      Connor Hansen rated Gonzalez Motors

      Good experience,mostly some dealers don't treat me that well,car was very clean and nice and recommend this to all my friends.

    29. buy here pay here Joliet dealer review by Rita Gonzalez

      Rita Gonzalez rated Cass Auto Sales Inc

      Beautiful cars at amazing prices!! The SERVICE WAS OUTSTANDING went above and beyond to help get a car the same day.

    30. buy here pay here Joliet dealer review by mark kimrey

      mark kimrey rated Cass Auto Sales Inc

      Great deals great people

    BHPH Joliet IL dealer

    Hope you like our list of buy here pay here Joliet IL dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.