Top 16 Buy Here Pay Here Dealers in Las Cruces NM

Looking for a used car dealer in Las Cruces NM but your credit is in bad shape?

Connect with top 16 buy here pay here Las Cruces NM car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Las Cruces'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 Las Cruces NM

  • Senor Coche Auto Sales, NM

  • Cruces Auto, NM

  • Sisbarro Mitsubishi, NM

  • Fiesta Motors, Inc., NM

  • Borman Autoplex, NM

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

  • Sisbarro Buick GMC, NM

  • Nissan of Las Cruces, NM

  • Sunset Auto Center, NM

  • Sisbarro Autoworld, NM

  • Vescovo Toyota of Las Cruces, NM

  • Did you know? These BHPH Las Cruces NM 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 Las Cruces 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.

    Buy Here Pay Here vehicles are almost always sold with full coverage on the odometer. The dealer will add the actual retail cost of the car to the principal amount owed on the loan once it is sold. In many cases, the entire amount of the financed vehicle's retail price is covered by the lender, which means that the buyer will never have to worry about making any payments that fall outside of the monthly budget outlined for him or her. This includes making payments on fees and accrued interest. These types of financing transactions also allow buyers who need to drive a specific kind of car or model to get one that fits their budget.

  • Borman Ford, NM

  • Bravo Chevrolet Cadillac, NM

  • Viva Chrysler Dodge Jeep Ram Fiat of Las Cruces, NM

  • Pitre Kia of Las Cruces, NM

  • Sisbarro Truck Store, NM

  • The phrase buy here pay here Las Cruces NM 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. Las Cruces 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.

  • Borman Used Select, NM

  • Why buy here pay here Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM Works

    When the bank says no to your car loan, the buy here pay here Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM Car lots Dealership

    The one thing is very true about buy here pay here Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM – Fast Approval Low or no credit score

    The buy here pay here Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM 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 Las Cruces NM

    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 Las Cruces NM

    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 Las Cruces NM, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Las Cruces NM 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 Las Cruces NM 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.

    Las Cruces NM buy here pay here Reviews

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

    1. buy here pay here Las Cruces dealer review by Darth Vador

      Darth Vador rated Senor Coche Auto Sales

      This is the best dealership I've ever been to. Very affordable prices on used cars and awesome payment plans! This family owned business is not one of those dealerships that are out to get you. They are a genuinely honest dealership who help you get a great car at such an awesome price! I met the Owner Jeff and Elissa , hands down the best customer service! They are an honest, humble, and blessed establishment! I highly recommend Senor Coche! God Bless!

    2. buy here pay here Las Cruces dealer review by James Caje

      James Caje rated Senor Coche Auto Sales

      Thank you for our great ride.. it was a fun and good experience.. If I could give a 10 I would.. very nice and friendly people.. God bless you and your family..

    3. buy here pay here Las Cruces dealer review by Nicholas Novotney

      Nicholas Novotney rated Cruces Auto

      Great place family owned very nice and friendly. They worked hard to get us into the car we wanted and an unbeatable price. Would highly recommend going to them first. Unlike a lot of dealerships that don’t fix up used cars they did and the car was in amazing shape for us when we bought it.

    4. buy here pay here Las Cruces dealer review by Duane Armijo

      Duane Armijo rated Cruces Auto

      Chynna and Family are absolutely great. They helped me get a great vehicle at a great price. Can’t wait to go back and upgrade to something even better. Thanks again.

    5. buy here pay here Las Cruces dealer review by Martina Ontiveros

      Martina Ontiveros rated Sisbarro Mitsubishi

      I had a great experience with the salesman Ivan! The manager Mr. Vega was very courteous and professional. I'd recommend anyone looking for a vehicle to come see these gentleman at Sisbarro Mitsubishi Credit Center!

    6. buy here pay here Las Cruces dealer review by Christopher Lopez

      Christopher Lopez rated Sisbarro Mitsubishi

      We tried to work out the numbers but it didn't go as plan. Customer service was great.

    7. buy here pay here Las Cruces dealer review by nando rodriguez

      nando rodriguez rated Fiesta Motors, Inc.

      Speechless just bought a car from there. Jim was such a great person to work with! Did a great job with the financing and great reasonable price! Tony did a wonderful job on detailing and getting car ready. This whole place was just awesome!! Love them!! Thank you guys!

    8. buy here pay here Las Cruces dealer review by Carol Garcia

      Carol Garcia rated Fiesta Motors, Inc.

      I highly recommend buying a car here! The owner has good running car and the staff are very knowledgeable and professional. I just bought my second car here. If you need a vehicle come see these guys! ?

    9. buy here pay here Las Cruces dealer review by Adrian Gallegos

      Adrian Gallegos rated Borman Autoplex

      Borman Autoplex made buying a car simple, hassle free, and an exciting experience. We were able to bring home a beautiful Honda CR-V EX-L with a great monthly payment, $0 down. Even with the current situation Borman Autoplex was able to do our financing over the phone without us having to go to the dealership. Nate Miller was great in answering all of our questions and Christina was wonderful and extremely helpful with financing. They even delivered our vehicle and paper work to us. We bought our first Honda Civic with Borman Honda and now we've added a second vehicle with them. Can't think of another dealership we'd rather work with. We will definitely go back for our next vehicle. Thanks Nate, Christina, and Pat.

    10. buy here pay here Las Cruces dealer review by Norma Perez

      Norma Perez rated Borman Autoplex

      Going to Borman Autoplex to trade in our vehicle was one of the best decisions we have done. Our sales professional was Drew Mendoza, and he was absolutely great! Friendly, professional and very personable. We walked out knowing that he got us the absolute best deal, and my husband and I are very happy with our new car. We are from El Paso, and one of the reasons we came to Borman was because they are known for their great service. Thank you, Drew!!

    11. buy here pay here Las Cruces dealer review by Tanya Marquez

      Tanya Marquez rated Sisbarro Buick GMC

      I am so happy I purchased my vehicle from this dealership. Ron made the process quick and easy! I will be purchasing another vehicle from Ron in the future.

    12. buy here pay here Las Cruces dealer review by Trevor Picard

      Trevor Picard rated Sisbarro Buick GMC

      I’ve come to the Service Department here twice now for free safety recalls in the past couple of years, and as long as it isn’t busy there’s always someone friendly at the front counter. Delores was very friendly, and assured me that the recall wouldn’t take long, and I was welcome to wait in the climate-controlled lounge and grab some water and coffee. There’s WiFi, a television, and very comfortable chairs. My experience here (at the Service Department) has been great. They even offer free rides home (or wherever) if your vehicle won’t be ready for a long time. Highly recommended!

    13. buy here pay here Las Cruces dealer review by Glenda Cummings

      Glenda Cummings rated Nissan of Las Cruces

      I just purchased a 2018 Rogue and I could not be happier. This dealership made it a smooth quick process and I feel like I’ve Become part of a new family!

    14. buy here pay here Las Cruces dealer review by Bobby Torres-Fava

      Bobby Torres-Fava rated Nissan of Las Cruces

      I'm changing service providers from another local dealership and coming over to Nissan. I had my first personal experience with the Service and Parts Departments and had an AMAZING encounter. Treated with respect, patiently researched my part needs, reviewed my service history, updated me on upcoming services for my vehicle, which has over 100k miles, and was treated with the exceptional customer service that far too-often is lost on many customer support staff in this day and age. Jericho in Parts Dept. and Isaac in Service Dept. really made an impression and I am eager to continue my relationship with this dealership.

    15. buy here pay here Las Cruces dealer review by erika hernandez

      erika hernandez rated Sunset Auto Center

      We bought a Nisan Altima from sunset auto. We love the car!! And the employees are super helpful, very kind, and honest!! We definitely recommend!

    16. buy here pay here Las Cruces dealer review by Arcane Anomaly

      Arcane Anomaly rated Sunset Auto Center

      Sunset auto has full service mechanic shop with two great mechanics John and Jose. Bring ur car here for great service or to buy a used car. They have two car lifts and have the best oil chang price in town 19.99 dollars! But I have seen them doing much larger jobs like engine swaps. They also have a very good shop rate of 80 dollars an hour.

    17. buy here pay here Las Cruces dealer review by Jewel Gonzalez

      Jewel Gonzalez rated Sisbarro Autoworld

      Best service yet! Mario Leo Helped me and my family out of a horrible situation i was put in. Truly blessed! I would definitely go to them if your thinking about trading in or getting a car??

    18. buy here pay here Las Cruces dealer review by Anthony Luna

      Anthony Luna rated Sisbarro Autoworld

      Just recently bought a 2019 Atlas and the sales department made it fast and simple. Buying my first VW from Sisbarro Autoworld was very enjoyable, everyone made my family and my self very welcomed. They were helpful and knowledgeable with my purchase. I highly recommend Sisbarro Autoworld for any of your vehicle needs and future purchases. I for sure will be returning for any future purchases. Once again thank you Sisbarro Autoworld.

    19. buy here pay here Las Cruces dealer review by DJ Gallegos

      DJ Gallegos rated Vescovo Toyota of Las Cruces

      When I discussed details about the truck with sales representative Andy, he read the car fax and sent pictures immediately. He was very personable and not pushy. We already own one Ford F150 and like the truck. We had done a lot of searching in New Mexico and West Texas for that F150 and ended up buying it in North Carolina. So we knew the right ones are very hard to come by. We feel blessed that this truck came on our radar so quickly. We love the truck and feel we got a good deal. I have already recommended Andy to one of my coworkers. We had a positive experience at Vescovo and with Andy. I will definitely recommend the dealership and Andy to my friends. I also liked it that Andy took the time to hear about my rescue dog and see pictures of her. Next time we are in Cruces we will probably stop by and say hello. DJ Gallegos

    20. buy here pay here Las Cruces dealer review by Brad Parker

      Brad Parker rated Vescovo Toyota of Las Cruces

      I drove over 3 hours to purchase a new Toyota C-HR for my daughter. The support I received over the phone prior to the sell was outstanding. Both Ruben and Jaime were fantastic. The price for the same vehicle was less than what Albuquerque was selling it for and the support what far better. Thank you Jaime and Ruben.

    21. buy here pay here Las Cruces dealer review by Christopher Lopez

      Christopher Lopez rated Borman Ford

      They took care of making an admin key for my 14 Explorer. Didn't come out of my pocket because Pitre Kia took care of the cost. As a former salesman for Borman, they continue to impress me with their level of service.

    22. buy here pay here Las Cruces dealer review by Richard Ferguson

      Richard Ferguson rated Borman Ford

      We were from out of town & even though they did t have the part they didn't stop till they found it and got us back on the road. I saw the staff dealing with other customers and they were very kind and helpful!!! Awesome place I would definitely recommend them..

    23. buy here pay here Las Cruces dealer review by Fred Love

      Fred Love rated Bravo Chevrolet Cadillac

      When I called Bravo, I did not know what to expect as I had already been talking to Rudolph Chevrolet. Turns out that Rudolph was being totally dishonest with me. They told me that I was not eligible for any discount due to my Military retirement and they said I was not eligible for the entire $6000 customer cash. When I called Bravo they were 100% transparent, they listened to me, then laid out exactly what I needed to do. I received the Military discount and the full $6000 customer cash. They made delivery to my house and I never stepped foot in the dealership. Armando Martinez was a star!!!! One of the best experiences I have ever had with a dealership.

    24. buy here pay here Las Cruces dealer review by Anna Melendez

      Anna Melendez rated Viva Chrysler Dodge Jeep Ram Fiat of Las Cruces

      Gigi was my saleswoman while going through the car buying process and she was beyond awesome! She made this process so easy for me I did not stress one bit. She was friendly, respectful, knowledgeable and a great person to talk to. I had a couple of issues once I bought the car and she again came through and made the process again enjoyable and painless. The team is wonderful there. Thank you!

    25. buy here pay here Las Cruces dealer review by Shayne Baker

      Shayne Baker rated Viva Chrysler Dodge Jeep Ram Fiat of Las Cruces

      Best Customer Service in town! We showed up late, on a dang Sunday of all days, the Staff stayed an hour and a half after closing, calling and battling on our behalf to get us Into a Car THAT day! We got a great rate for first time buyer, and We really APPRECIATE all the staff, especially the Upper Management. Thank you for making Us matter. We love our car. GUARANTEE THAT WE WILL BE BACK. -Bakers-

    26. buy here pay here Las Cruces dealer review by Christopher Lopez

      Christopher Lopez rated Pitre Kia of Las Cruces

      Great time with our service. Thanks guys.We did work out a deal and they treated us well. Working on deal number two. This deal is for my parents.

    27. buy here pay here Las Cruces dealer review by TeamGlobalLeadInc LOPEZ

      TeamGlobalLeadInc LOPEZ rated Pitre Kia of Las Cruces

      Helped parents purchase a vehicle for my mother. We bought a pre-Kia Sorento and we impressed. The service from our staff was great. They did their best to earn our business. Will do business again.

    28. buy here pay here Las Cruces dealer review by Jeff Murray

      Jeff Murray rated Sisbarro Truck Store

      I've purchased multiple vehicles from John and his crew at the truck store. Fair prices and GREAT service after the sale. I highly recommend them!

    29. buy here pay here Las Cruces dealer review by Jeff Dray

      Jeff Dray rated Sisbarro Truck Store

      I went to the Sisbarro Truck Store just to see what we could do. I didn't have high hopes but I was in desperate need for a new truck. I owed a little over $8k on my old truck, I was paying over 25% interest through the Central Loan Company who placed a tracker GPS on my truck because I had bad credit. I worked with George Gonzalez, who I thought was overly optimistic, and his manager John Tarro. It turns out George wasn't overly optimistic, he got me approved on a great deal on a great truck! I'm notg gonna lie, John had to search far and wide to find a bank that was willing to finance me but he made it happen. George and John got me into a truck that was 12 years newer and had 100k miles less than my old one, it was a single owner vehicle with a clean carfax. It has 4 wheel drive and the tow package and it's a Ford which were my only requirements. Here's the best part; my payment only went up $50 a month because they managed to get me a much lower interest rate, and there's no stupid GPS tracker! I'll be seeing George and John again when I need another truck. Update: I just want to clarify that I wrote this review long before I started working at the Truck Store. Everything is 100% true and I did buy my next truck from the Truck Store shortly after I started working there because I'm like a kid in a candy store lol. Come on down and see either me or my friend George and we'll find you a truck that you'll love.

    30. buy here pay here Las Cruces dealer review by Andrew McLane

      Andrew McLane rated Borman Used Select

      Great experience! Benito was very patient and very understanding. He was also very knowledgeable and was able to show me the differences from model to model. He went above and beyond. Will come back!

    BHPH Las Cruces NM dealer

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