Top 20 Buy Here Pay Here Dealers in Lakeland FL

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

Connect with top 20 buy here pay here Lakeland FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Lakeland'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 Lakeland FL

  • EZ AUTO Lakeland, FL

  • Bayside Automall, FL

  • DriveTime Used Cars, FL

  • Deal Time Cars & Credit, FL

  • Lakeland Automall, FL

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

  • Yerton Leasing & Auto Sales, FL

  • American Car Center – Lakeland, FL, FL

  • Whitestone Auto Sales, FL

  • Fox Auto Sales, FL

  • Bargain Auto Sales, FL

  • Did you know? These BHPH Lakeland 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 Lakeland 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.

  • Lakeland Toyota, FL


  • Checkered Flag Auto Sales, FL

  • Easy Drive USA Inc., FL

  • USA Auto Sales of Central Florida, FL

  • The phrase buy here pay here Lakeland 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. Lakeland 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.

  • Hugh Williams Auto Sales, FL

  • Make It Happen Auto Sales & Repair Inc., FL

  • Payday Motor Sales, FL


  • Checkered Flag Auto Sales, FL

  • Why buy here pay here Lakeland 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 Lakeland 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 Lakeland 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 Lakeland FL Works

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

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

    The buy here pay here Lakeland 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 Lakeland 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 Lakeland 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 Lakeland 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 Lakeland 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 Lakeland FL, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Lakeland 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 Lakeland 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.

    Lakeland FL buy here pay here Reviews

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

    1. buy here pay here Lakeland dealer review by alexis nicole

      alexis nicole rated EZ AUTO Lakeland

      Jackson was great! He worked with me on getting into a car. I’ve been without a car for MONTHS & when I got the money to get one Jackson was willing to work around my work schedule. Closing time for them is 6pm. Jackson stayed until after 7pm when I got off & we didn’t finish until 9pm. Not once did he complain about staying after business hours. This place just felt like I was buying a car from a family number. Definitely recommend to someone looking for a reliable vehicle.

    2. buy here pay here Lakeland dealer review by Franklin Brito

      Franklin Brito rated EZ AUTO Lakeland

      Looking for a GT over a month ago, finally found a good one. Customer service was excellent they guide me thru out all the financing process and, they also answer all my questions that I had. The car is in amazing condition. I'll recommend this dealer to all my friends, get in touch with them and you'll find the best deal of your life and you will never regret it. Thank you guys you're the best!

    3. buy here pay here Lakeland dealer review by Tony Escapa

      Tony Escapa rated Bayside Automall

      This is by far one of the best places to go to get your car. I am an educated consumer and when I look for something in a car, nothing will change my mind. Jeff went out of his way to find the exact specs for my car. She was very reasonably priced and the whole transaction was a walk in the park. You can feel safe buying your next car here without a doubt. Jeff - Thumbs up!!!!!!!!

    4. buy here pay here Lakeland dealer review by Steph Moore

      Steph Moore rated Bayside Automall

      I had a great experience purchasing my vehicle here. Russell was very helpful, worked hard to meet my needs, terms and conditions. Upon leaving, I noticed the air conditioning wasn't working properly. When I brought the car back, it was determined it needed a new part. The owner replaced the part and got the air working perfectly. (Even though the warranty didn't cover it, there was no charge to me) They really stand behind their products, and provide outstanding customer service!

    5. buy here pay here Lakeland dealer review by Jihan Wilkerson

      Jihan Wilkerson rated DriveTime Used Cars

      This was the easiest car buying experience that I have ever had. The sales representative was friendly, helpful and did not try to talk me into anything. I would enthusiastically recommend them to anyone looking for an affordable used car.

    6. buy here pay here Lakeland dealer review by Brianna Garcia

      Brianna Garcia rated DriveTime Used Cars

      This Place REALLY Works With You And Helps You. The Staff Is Great. MATT AND TYLER YOU'RE AWESOME!!! They Helped Us All The Way! Definitely Recommend This To Everybody! GO DRIVE TIME LAKELAND FL!!!

    7. buy here pay here Lakeland dealer review by Vanessa/Ramon Gainer/Diaz

      Vanessa/Ramon Gainer/Diaz rated Deal Time Cars & Credit

      Eric was wonderful!! He made sure we were comfortable with our car choice and my payments. He was never pushy and made us totally happy to do business with them! Would 100% recommend this dealership and Eric himself.

    8. buy here pay here Lakeland dealer review by Tammy Waters

      Tammy Waters rated Deal Time Cars & Credit

      Eric was awesome and helped me get everything I needed at a reasonable price. Plus he was fast so that’s an extra plus. Would highly recommend

    9. buy here pay here Lakeland dealer review by Amy Miller

      Amy Miller rated Lakeland Automall

      Excellent Customer service!! I have been looking to purchase a 2020 Ford Explorer since December 2019. I visited, texted and have spoken with multiple dealerships only to be discouraged by the pressure to purchase now, or they wouldn’t entertain my inquiry. That changed when my search pulled up Lakeland Automall Ford. I initially meet Liz from online inquiries, not only did she get a sense of what my needs were she kept in touch with me through my process! When I arrived at the dealership I was placed with John in sales. We immediately went to work going over specific options I was looking for. From the test drive to the purchase John was informative and knowledgeable of the vehicle, pricing, and incentives. Not only did I get the vehicle I wanted I got the payments I wanted as well! I never once felt pressured to buy, and completely respect his professionalism. Hank in financing made the “paperwork” process an ease. He was informative and explained all the options. This dealership deserves more than the 5 ?????????? ! From my initial experience with Liz, to the amazing salesman John, and finance fanatic Hank, hands down this team made my experience stress free. I would recommend them to anyone seeking to purchase a vehicle.

    10. buy here pay here Lakeland dealer review by Brad Green

      Brad Green rated Lakeland Automall

      Great buying experience. One of the best I’ve had. Almost everything including my trade value was handled before arriving. John and Hank handled everything efficiently and in a timely manner. Will definitely visit again when it’s time to trade.

    11. buy here pay here Lakeland dealer review by Andrew bowiellc

      Andrew bowiellc rated Yerton Leasing & Auto Sales

      Went to this dealer a few weeks ago about an SUV we had been looking at. Went back today to purchase it! Customer Service is top notch compared to some places we had been. Friendly and efficient! were in and out in about an hour! Will most definitely purchase from them again and highly recommend them to other! Thank you Kris for an awesome transaction!

    12. buy here pay here Lakeland dealer review by Patty Murray

      Patty Murray rated Yerton Leasing & Auto Sales

      I have bought 2 cars from this dealership and am very happy with the commitment to the people they serve. My cousin has bought 2 cars from Yerton, her daughter also bought a car from Yerton and a close friend of mine bought her son his first vehicle from Yerton. The four of us have had very satisfying results from buying vehicles

    13. buy here pay here Lakeland dealer review by Madonna

      Madonna rated American Car Center – Lakeland, FL

      Leaving with a smile on my face thanks to Jeremiah Garcia he was 10000% helpful w helping me find a car that works for me. Low miles and practically new interior even let me test drive. I couldn't have made out any better. I totally recommend JEREMIAH GARCIA to you all car payments and down payments are super low no insurance no problem you can do it all here.

    14. buy here pay here Lakeland dealer review by Julie Trapp

      Julie Trapp rated American Car Center – Lakeland, FL

      My husband purchased me a beautiful 2016 Fiat 500..The vehicle is pristine and excellent condition! Super friendly staff and made the transaction so swift and easy!!

    15. buy here pay here Lakeland dealer review by Kf Concepts

      Kf Concepts rated Whitestone Auto Sales

      I never go anywhere else. Most honest car buying and repair service in Lakeland. Once Jeff cut me a check when I had my car repaired. He paid towards a trip I was taking to work with homeless in London and made sure my car was repaired within 24 hours. My car broke down just 2 days before my flight. Will never forget his genorosity. Also purchased a car and know several others who did too.

    16. buy here pay here Lakeland dealer review by christi brown

      christi brown rated Whitestone Auto Sales

      I've been buying cars from jeff stone for over 25 yrs....he's the best!

    17. buy here pay here Lakeland dealer review by Cathy Weaver

      Cathy Weaver rated Fox Auto Sales

      I appreciate the honesty of the saleman here. I would check them out. The guy was upfront with us and that was integrity!

    18. buy here pay here Lakeland dealer review by J Ruiz

      J Ruiz rated Fox Auto Sales

      Ed is great always honest about the cars he sales

    19. buy here pay here Lakeland dealer review by Gator Bates

      Gator Bates rated Bargain Auto Sales

      Bought a car there this morning. Great service from the sales team. Will definitely be getting any future used vehicles from from them.

    20. buy here pay here Lakeland dealer review by Lakisha Spletzer

      Lakisha Spletzer rated Bargain Auto Sales

      Great service. Very helpful in picking out the van needed for transportation. Reasonable prices, too.

    21. buy here pay here Lakeland dealer review by ML Carpenter

      ML Carpenter rated Lakeland Toyota

      Hands down, the best car buying experience of my life! Michele was amazing to work with, so friendly and professional, not “car salesy” at all. We got a fantastic deal on a great van for our family. The whole process was so smooth and easy, and we never even stepped foot into the dealership! Thank you for a wonderful experience, you have a customer for life!

    22. buy here pay here Lakeland dealer review by nano ellis

      nano ellis rated Lakeland Toyota

      We showed up to Lakeland Toyota with a nail in our tire 15 minutes before the service department closed. Fortunately the service technician Paul was there and he had our tire patched in no time. He could have easily said that they didn't have time to do the work, but instead he ensured that our vehicle was safe to drive before we left. Because of Paul's help we will return to Lakeland Toyota and refer as many people as possible.

    23. buy here pay here Lakeland dealer review by Lai Quintero

      Lai Quintero rated ABC AUTO BROKERS INC.

      We dealt with Luis and the owner directly and I honestly wouldn’t recommend any other dealership but this one. They treated us GREAT, worked with our budget and were very accommodating. Most of all they were very humble, respectful and treated us like family. We weren’t pressured to purchase something we didn’t want. I will come directly to this place for any car I would purchase in the near future.

    24. buy here pay here Lakeland dealer review by Baker Alzreiqat

      Baker Alzreiqat rated ABC AUTO BROKERS INC.

      I was there today to look at one car I liked on the dealer website, Luis came out and welcome me in very professional way that made me want to buy any car in the lot he will recommend Very trustful guy I will do business with him because of the way he treated me ???

    25. buy here pay here Lakeland dealer review by Ivelisse Rondon

      Ivelisse Rondon rated Checkered Flag Auto Sales

      Wilson was our sales man and he was phenomenal!!! His service was by far the best I’ve ever experienced in any dealership! The man deserves a raise ;). I highly recommend him to anyone interested ask for Wilson.

    26. buy here pay here Lakeland dealer review by Melissa Miller

      Melissa Miller rated Checkered Flag Auto Sales

      Good inventory, fair prices, friendly staff! I highly recommend if you are looking for a Honest buy here pay here!

    27. buy here pay here Lakeland dealer review by noelia torres

      noelia torres rated Easy Drive USA Inc.

      Great manager and team.

    28. buy here pay here Lakeland dealer review by Paula Mattingly

      Paula Mattingly rated Easy Drive USA Inc.

      Martin was excellent to work with, I would refer anyone I know to this business , they are friendly and work with what you have .

    29. buy here pay here Lakeland dealer review by MIchael Moore

      MIchael Moore rated USA Auto Sales of Central Florida

      I was looking on Facebook Marketplace for days to find the car I wanted. I found USA Auto Sales. And I am glad I did. Jeff made me very comfortable from the moment I stepped onto the lot. I feel I got a very fair deal along with a great car. I will definitely buy my next car from him. Thanks Jeff!

    30. buy here pay here Lakeland dealer review by plbent plbent

      plbent plbent rated USA Auto Sales of Central Florida

      I bought this car for $3500.00 from Jeffery the owner. It only had 2 owners and 57,400 original miles and the Carfax matched it's lifespan. The interior is just as good as it drives "Amazing" This was one of the best deals of my lifetime.

    31. buy here pay here Lakeland dealer review by Edwin Farromeque

      Edwin Farromeque rated Hugh Williams Auto Sales

      La abstención y profesionalismo

    32. buy here pay here Lakeland dealer review by MK4lyfe 2013

      MK4lyfe 2013 rated Hugh Williams Auto Sales

    33. buy here pay here Lakeland dealer review by Misty Auld

      Misty Auld rated Make It Happen Auto Sales & Repair Inc.

      Gilbert went above and beyond to help us get our used car. He drove the car to our house (Because we had no car and no way to get there, which other dealerships did not want to do!) and let us test drive it. We went back to the dealership and the whole staff was friendly and helpful. We were in and out of there in no time. Anyone asks me about getting a used car, I am sending them here.

    34. buy here pay here Lakeland dealer review by Megan Harris

      Megan Harris rated Make It Happen Auto Sales & Repair Inc.

      I love this places. Just bought a great vehicle. Super reliable. Josh is the best in the biz. Would recommend to anyone looking for a affordable great car.

    35. buy here pay here Lakeland dealer review by Michael Hall

      Michael Hall rated Payday Motor Sales

      I bought an used truck but beautiful truck, I had problems with it right away but they stood behind their product! They fixed my truck and I am so thankful, THANK YOU PAYDAY!

    36. buy here pay here Lakeland dealer review by Danielle Clyne

      Danielle Clyne rated Payday Motor Sales

      I've purchased 2 cars from payday And both of those vehicles are still going no issues with them and the staff is amazing I really feel like these people are honest and my baby's 1st cars coming from here as well thank you guys so much It's nice to actually have an honest dealership

    37. buy here pay here Lakeland dealer review by Fawn Gray

      Fawn Gray rated OKCARZ LAKELAND

      *WONDERFUL EXPERIENCE* I was skeptical but listened to my gf and went in. Antonio greeted us warmly. He gave me all the information I requested. He was honest and understanding of my situation. I bought a Ford Expedition for a good price and little money down. It runs beautifully and my payments are reasonable. I recommended them highly.

    38. buy here pay here Lakeland dealer review by william pruetzel

      william pruetzel rated OKCARZ LAKELAND

      We were in need of a good vehicle. Our salesperson was Antonio Kinsey. He listened to our specific needs and showed us what we wanted and needed. Antonio took great care of us, and we didn't have to spend a lot time on the lot. We highly recommend OKCARZ LAKELAND, and Antonio Kinsey.

    39. buy here pay here Lakeland dealer review by Carrol Pennell

      Carrol Pennell rated Checkered Flag Auto Sales

      I purchased a vehicle from a couple years ago, Yes my car had some issues, but I also understand the age and mileage of my car was high, and know that it will have problems. I am grateful for wilson's help and would buy another car from them. No issues, they are honest and I would buy another vehicle from them.

    40. buy here pay here Lakeland dealer review by Ruby Olvera

      Ruby Olvera rated Checkered Flag Auto Sales

      I need to go back for another truck or suv.I recommend them not only are they helpful but they work with you. I have had my truck for 3 years no problems with it.

    BHPH Lakeland FL dealer

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