Top 18 Buy Here Pay Here Dealers in Knoxville TN

Looking for a used car dealer in Knoxville TN but your credit is in bad shape?

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

  • Cars 4 U LLC, TN

  • DriveTime Used Cars, TN

  • Smart Auto Knoxville, TN

  • Easyway Used Cars, TN

  • Wheels Auto Sales, TN

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

  • Green Light Auto, TN

  • Parker Auto Sales Inc, TN

  • CarMart, TN

  • US Auto Network, TN

  • Roadmaster Auto Sales, TN

  • Did you know? These BHPH Knoxville TN 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 Knoxville 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.

  • Easy Auto Knoxville, TN

  • Thompson Auto Sales Inc, TN

  • Westown Motors Inc., TN

  • CC Used Cars, TN

  • Instant Auto LLC, TN

  • The phrase buy here pay here Knoxville TN 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. Knoxville 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.

  • Clayton Used Cars, TN

  • Autos and More Inc., TN

  • @Bright Motors, TN

  • Why buy here pay here Knoxville TN 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 Knoxville TN 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 Knoxville TN 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 Knoxville TN Works

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

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

    The buy here pay here Knoxville TN 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 Knoxville TN 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 Knoxville TN 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 Knoxville TN

    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 Knoxville TN

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

    While buy here pay here Knoxville TN 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 Knoxville TN 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.

    Knoxville TN buy here pay here Reviews

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

    1. buy here pay here Knoxville dealer review by Shantel Crabtree

      Shantel Crabtree rated Cars 4 U LLC

      Had a great experience. Patrick was great to work with. Wasn’t pushy at all. I visited several different dealerships, but went back to make a purchase from Cars 4 U. Highly recommend! Great prices and friendly service.

    2. buy here pay here Knoxville dealer review by Rose Whitaker

      Rose Whitaker rated Cars 4 U LLC

      Just want to say thanks so much to Deeanna for taking the time to take excellent care of Jeff & I during our experience with buying our new vehicle from them, Bridgette for also giving us her time & patience of talking care of us also, special shout out to the owner Max who promised to take care of us!! Recommend to everyone to stop by & check them out...

    3. buy here pay here Knoxville dealer review by Tommy James

      Tommy James rated DriveTime Used Cars

      Amazing customer service from Sergio, not sure if I got his name correct, sorry? I've bought several vehicles over the years , this was by far the best car buying experience ever. No pressure, no hidden info. Excellent buying experience! I recommend anyone looking for a vehicle in Knoxville to stop in and try them first!

    4. buy here pay here Knoxville dealer review by Carl Thunquist

      Carl Thunquist rated DriveTime Used Cars

      Thanks to the awesome team there at drive time. The most friendly and helpful saleman in Knoxville. They have a poster in the showroom that says there's no flimflam and that's the truth. Just want to give a big thanks and shout out to Bo & Trevor those two are awesome and on point. I will deffitnly be back and recommend them to all the friends and family. Thanks drive-time

    5. buy here pay here Knoxville dealer review by Queen Bee

      Queen Bee rated Smart Auto Knoxville

      Smart Auto Employees Were ABSOLUTELY FANTASTIC TODAY!! Just when I thought it was the worst time ever to try car shopping, these folks made dreams become reality!! They were so generous and had the very best of the best deal when financing without a co-signer due to having a lower than most credit score because I just haven't built any up yet. It was like a one stop shop. From finding a car to drive off in, down to the tag and registration prices included in my total taxes. Best part is I got a 2 yr or 24.000 mile warranty to seal this amazing package deal!! Will be recommending anyone who is car shopping to Smart Auto Knoxville!! The staff and their services rendered to me today are very much so the best of the best if your asking for my 2 cents!!

    6. buy here pay here Knoxville dealer review by Ameera Al-hussein

      Ameera Al-hussein rated Smart Auto Knoxville

      I love my new car!!! Black Lexus ES 350!!! I had have bad credit from a divorce and going through the Credit Rebuilding program is really making a huge impact on my credit! I highly recommend Smart Auto. :)

    7. buy here pay here Knoxville dealer review by Erin Hause

      Erin Hause rated Easyway Used Cars

      I highly recommend buying from them. Jarrod made our car buying experience pleasant and they were willing to work with our budget. They went above and beyond our expectations and we will never go to a "big" dealership again.

    8. buy here pay here Knoxville dealer review by Erin And Wes Edwards

      Erin And Wes Edwards rated Easyway Used Cars

      We bought a car about a month ago from here. The car wouldn't start this week and we discovered it was an ignition switch problem and the VW dealership quoted us an ungodly price to fix. Easy Way worked with us to help us get it fixed from one of their providers in one day and when we got the car back it was washed and had gas in it. I highly recommend them. If there is a problem they will make it right.

    9. buy here pay here Knoxville dealer review by Jamie Tackett

      Jamie Tackett rated Wheels Auto Sales

      Service was amazing. John was extremely nice and helpful. The most down to earth guy. Conner was very helpful finding us the right car for our price range and wouldn’t let us settle for nothing but the car we need and wanted! I was definitely recommend people coming here to get a car that’s worth it and a great price. -From Austin and Jamie!

    10. buy here pay here Knoxville dealer review by Rachel Davis

      Rachel Davis rated Wheels Auto Sales

      Awesome experience! John and all the staff were very nice. Very professional, would recommend 10 out of 10

    11. buy here pay here Knoxville dealer review by Connie Hightower

      Connie Hightower rated Green Light Auto

      I'm actually in the process of buying my vehicle from Greenlight Auto at this present time and you couldn't ask for a better group of guys to deal with. If you ever need a good reliable vehicle with good monthly payments go see Micheal and Rich and tell them Connie Hightower sent you and they will get you in a ride that you will be very satisfied with !!

    12. buy here pay here Knoxville dealer review by Daniel Marcos

      Daniel Marcos rated Green Light Auto

      Great start helped me when I believed my options were low .friendly and helpful !

    13. buy here pay here Knoxville dealer review by Donna  Golden

      Donna Golden rated Parker Auto Sales Inc

      You need a car Parker's is the place to go. Low down payment and 90 day warranty on all their vehicles.

    14. buy here pay here Knoxville dealer review by CHRIS SHERRILL

      CHRIS SHERRILL rated Parker Auto Sales Inc

      A Great place to buy a car!! If you’re in the market to buy a used vehicle then may I suggest, Gary @ Parker Auto !! A Good salesman that will listen to what your looking for and try every possible way to get you into the vehicle that you want. I'm Very Happy with my purchase of 2014 Chevy Cruze LT ..Thanks Gary !!!

    15. buy here pay here Knoxville dealer review by Rachel Crowe

      Rachel Crowe rated CarMart

      Mrs. Julie was very professional and worked hard to get us in the vehicle we wanted. Nice office space and wonderful music. Such a blessing. Thank you so much Mrs. Julie.

    16. buy here pay here Knoxville dealer review by Matt Martin

      Matt Martin rated CarMart

      These guys helped us out when no one else would. Greg Evan's the manager kept and eye on my 2 kids while me and my wife were making our decision. I will recommend anyone and everyone to go there and let Greg take care of you. He is definitely our friend in the car business ?

    17. buy here pay here Knoxville dealer review by Brady Messer

      Brady Messer rated US Auto Network

      I recently purchased a Toyota Sequoia from us auto network and I love it. Murad took pride in providing excellent customer service during and after the purchase of the vehicle. He gave me a great price and went beyond what my trade in was worth. I highly recommend him for all your car buying needs!

    18. buy here pay here Knoxville dealer review by Bob Wheatley

      Bob Wheatley rated US Auto Network

      I am very happy with my purchase of a 2004 Jaguar XK8. The car is exactly as advertised. I purchased the car remotely. Mike was very quick to respond to my calls and emailed me with all the details I required. As there was a "Stay Home" order in place Mike worked with me to have the car delivered. I have purchased motorbikes this way previously but not a car. I researched the reviews for US Auto Network, based on those, the car photos, carfax and calls with Mike to obtain details I was confident to proceed. I am very happy that I did - 5 stars - many thanks.

    19. buy here pay here Knoxville dealer review by Mike Pennington

      Mike Pennington rated Roadmaster Auto Sales

      I highly recommend Roadmaster Auto sales. Allen made our purchase fast and easy. Allen went above and beyond making buying a car a fun experience instead of stressful. Great experience!

    20. buy here pay here Knoxville dealer review by J.T. Hunter

      J.T. Hunter rated Roadmaster Auto Sales

      The guys here are friendly and will help you get into a car.

    21. buy here pay here Knoxville dealer review by Sharaya

      Sharaya rated Easy Auto Knoxville

      Pete was amazing! He made sure I was able to get the Yukon I wanted! Everyone there makes you feel welcomed. They really go above and beyond to make sure their customers are satisfied.

    22. buy here pay here Knoxville dealer review by Katie Chapman

      Katie Chapman rated Easy Auto Knoxville

      Pete, Zack, Aaron. Everybody this places has been an ultimate blessing. They are really great people and they sell you cars honestly. I have been with them for years and every vehicle has been top notch. Clean. Reliable. They treat you like family. They are prompt. I cannot say enough good things. Bless these people. Bless their business.

    23. buy here pay here Knoxville dealer review by we are done

      we are done rated Thompson Auto Sales Inc

      ABSOLUTELY the BEST place to buy my car. The owner and his daughter are just so easy to deal with. I have had my car for a few months now and it runs great. Regina

    24. buy here pay here Knoxville dealer review by Wayne Garrison

      Wayne Garrison rated Thompson Auto Sales Inc

      have bought cars and trucks from them had no problems good service they stand behind what they sell. go see them very good people!!!

    25. buy here pay here Knoxville dealer review by James Parker

      James Parker rated Westown Motors Inc.

      The gentleman who owns this place is absolutely outstanding and extremely helpful not to mention extremely honest. I would send anybody I know to him great people and extremely happy

    26. buy here pay here Knoxville dealer review by Me Me

      Me Me rated CC Used Cars

      Luke was courteous and a great help.He took time to walk me through the car buying experience. He went above and beyond the call of duty for my deal and I am grateful. I highly recommend luke and CC used cars for your next purchase.

    27. buy here pay here Knoxville dealer review by Jermaine Jamison

      Jermaine Jamison rated CC Used Cars

      Luke Miller was a great host today he helped me with 100% of my decision he has a great personality and is VERY professional and he definitely knows his stuff about the cars that he is selling. I can 1,000% say that Luke made my decision very easy and I feel great about my new vehicle any and everyone should definitely come to CC used cars for their next car you will not be disappointed at all Im glad I chose to come here instead of anywhere else I will be buying more cars from here on out at CC

    28. buy here pay here Knoxville dealer review by Candy Hancock

      Candy Hancock rated Instant Auto LLC

      Love my car I just bought here. Everyone I've dealt with has been awesome and I'm definitely a customer for life. Would recommend this car lot to anyone

    29. buy here pay here Knoxville dealer review by Spencer Akins

      Spencer Akins rated Instant Auto LLC

      wonderful people who will do their best to treat you right. ask for Shawn. Zane is also the best mechanic you could ask for

    30. buy here pay here Knoxville dealer review by Lisa Dawson

      Lisa Dawson rated Clayton Used Cars

      This place seems like an amazing place. I am currently looking for a safe vehicle for me and my young son and I came across one on their site for really cheap and instead of trying to sell it to me they were really nice and honest with me and was looking out for our safety. Its a good car but just not for us. I definitely recommend this place. Thank u so much for being honest with me not many places are like that! ?

    31. buy here pay here Knoxville dealer review by Barry G

      Barry G rated Clayton Used Cars

      Hayden was great to work with and the buying and approval process was quick and easy. I you are searching for a use car for sale in Knoxville, TN, I would highly suggest working with Hayden.

    32. buy here pay here Knoxville dealer review by Paul Douglas Pratt

      Paul Douglas Pratt rated Autos and More Inc.

      I’d like to thank both Steve and Roger for helping me With the purchase of my 2013 Dodge ram I’m thoroughly happy with their willingness to help me through a hard time. It was a very trying week for me with a very severe car accident which totaled my Chrysler 200. And then to find out that the company that I had financed my Chrysler 200 through would not help me to purchase another vehicle. Autos & more spent the extra time to find a company that had no problem with financing the truck for me. Roger even came to my house and picked me up and brought me to the dealer to pick up my truck. The one thing that I was very impressed with was when I got into the vehicle there was Christian radio stations on several of the vehicles that I Looked at which means a lot to me knowing that I’m going to a dealership that has Christian values. God bless them for helping me.

    33. buy here pay here Knoxville dealer review by Autos and More Inc. .

      Autos and More Inc. . rated Autos and More Inc.

      Autos & More Inc. 5013 Clinton Hwy Knoxville, Knoxville, TN 37912 Overview Reviews Ratings 5.0 out of 5.0 Star Rating Overall Customer Service Buying Process 91 out of 91 people as of 7/28/2013 recommended this dealer.

    BHPH Knoxville TN dealer

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