Top 12 Buy Here Pay Here Dealers in Lexington KY

Looking for a used car dealer in Lexington KY but your credit is in bad shape?

Connect with top 12 buy here pay here Lexington KY car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Lexington'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 Lexington KY

  • Bad Credit Auto Loans Lexington, KY

  • Lextown Motors, KY

  • 12K And Under Motors, KY

  • CarMax, KY

  • Brother’s Auto Sales, KY

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

  • Galaxy Auto Sales, KY

  • Rayyan Auto Sales LLC, KY


  • Best Buy Automart II, KY

  • Autonomics, KY

  • Did you know? These BHPH Lexington KY 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 Lexington 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.

  • Broadway Auto Mall, KY

  • Auto Max Used Cars LLC, KY

  • Why buy here pay here Lexington KY 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 Lexington KY 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 Lexington KY 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 Lexington KY Works

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

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

    The buy here pay here Lexington KY 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 Lexington KY 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 Lexington KY 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 Lexington KY

    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 Lexington KY

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

    While buy here pay here Lexington KY 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 Lexington KY 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.

    Lexington KY buy here pay here Reviews

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

    1. buy here pay here Lexington dealer review by John Powers

      John Powers rated Bad Credit Auto Loans Lexington

    2. buy here pay here Lexington dealer review by Bijay Ramdam Official

      Bijay Ramdam Official rated Lextown Motors

      I bought two cars from Lextown motors .they both great cars 2012 MDX and 2011 do you want to see Ende great cars great prices I do recommend Lextown motors to everybody.

    3. buy here pay here Lexington dealer review by Charles Kidd

      Charles Kidd rated Lextown Motors

      Got the truck I wanted for a great deal! Ali was very nice and very professional and even stayed late for me on a Sunday! Shadi was also very helpful upon getting my tags!

    4. buy here pay here Lexington dealer review by nola marie

      nola marie rated 12K And Under Motors

      Had a wonderful experience! Nikki is great! She went above and beyond for us! Got us in something that was safe and reliable and made sure we understood every step as it was our first time buying a car. I recommend 10/10. ASK FOR NIKKI!!!

    5. buy here pay here Lexington dealer review by Kevin Rieff

      Kevin Rieff rated 12K And Under Motors

      Enjoyable car buying experience. Our salesperson Amanda was great!!

    6. buy here pay here Lexington dealer review by Angela Ryherd-Brown

      Angela Ryherd-Brown rated CarMax

      It was a long process, some issues with the down payment; but ultimately, it worked out and I love the car!! Brayton Wilson was my salesman, he worked diligently to make sure everything worked out. All things considered, I'd definitely do business with them again!!

    7. buy here pay here Lexington dealer review by Taylor Renfro

      Taylor Renfro rated CarMax

      I recently purchased my new to me car here and this was also my first time buying my own car. The process was so easy and everyone I worked with was so nice. I worked with Emily and Tanner and both were great. Emily kept me up to date on when my car that I had ordered would be in and Tanner made me feel better when I was sad about leaving my old car behind. The guys in the detail shop did a great job cleaning up my new car for me when I got it too. I also loved knowing every detail about the car I was buying from them. I would definitely recommend buying your car here.

    8. buy here pay here Lexington dealer review by Anita Heckman

      Anita Heckman rated Brother’s Auto Sales

      We could not have asked for better service! These guys went above and beyond to make sure I got what I wanted and was completely satisfied with the purchase all the way around. Great guys who are honest and will make sure your experience is nothing but satisfying! I will recommend these guys to everyone! If your looking for great service and a reliable vehicle thesevare your guys! All my future business will definitely be with them! Very happy and satisfied buyer here!!!

    9. buy here pay here Lexington dealer review by Brianna Shell

      Brianna Shell rated Brother’s Auto Sales

      Best car buying experience ever! There was no pressure and they did EVERYTHING they could to get me into my dream vehicle. After spending a few hours there, I left with my new ride. They worked very hard to get me approved and bent backwards even after getting denied at other dealerships. They did not feed me any lies and told me straight up. SO happy I was able to leave with my dream ride today! Thank you to Abdel & Bob and the rest of their staff :)

    10. buy here pay here Lexington dealer review by saul rivas

      saul rivas rated Galaxy Auto Sales

      Friendly staff and great prices! Many choices to choose from. The mechanic is very good at what he does and always tries to help you. Highly recommended!

    11. buy here pay here Lexington dealer review by jaden bradshaw

      jaden bradshaw rated Galaxy Auto Sales

      Very good people to do business with , I’m also inlove with my car thank you guys. I would recommend them to everyone looking for a vehicle.

    12. buy here pay here Lexington dealer review by Xavier Allen

      Xavier Allen rated Rayyan Auto Sales LLC

      Great Dealership! They work with you about anything! definitely a great place to find a first/second car! They're realistic also, so don't think you're about to just pull off the lot with bad credit and $500. But like i said they will work with you on getting you into a car. You just gotta help them help you!

    13. buy here pay here Lexington dealer review by Todd Prater

      Todd Prater rated Rayyan Auto Sales LLC

      Good Deals on late model low millage cars used. They were willing to work with me when nobody else would. I will definitely do business with them again.

    14. buy here pay here Lexington dealer review by Ali Griggs

      Ali Griggs rated 6K AND UNDER AUTO SALES

      These guys were so patient with me while I test drove several cars to decide which one I wanted. The buying process was simple and quick, they fixed what they promised would be fixed before delivery, and I’m super happy with the car so far. Would definitely recommend to anyone looking to buy a car.

    15. buy here pay here Lexington dealer review by dalton doggrell

      dalton doggrell rated 6K AND UNDER AUTO SALES

      Great place good people. Tony was awesome. Helped my brother get a truck he could afford. HIGHLY RECOMMEND THIS PLACE TO EVERYONE.

    16. buy here pay here Lexington dealer review by Abdullah Shalash

      Abdullah Shalash rated Best Buy Automart II

      Great dealership with good customer service!

    17. buy here pay here Lexington dealer review by Mark Bugg

      Mark Bugg rated Best Buy Automart II

      Bought a Jeep Liberty today, Shak and Abdul were the easiest salesmen i have ever dealt with. No pressure, no wasting time, just an overall A+ experience. Go see these guys...we will def be repeat customers.??

    18. buy here pay here Lexington dealer review by Robert Tillinghast

      Robert Tillinghast rated Autonomics

      Wonderful people! We bought a Buick Enclave from them and Moe went out of his way to help us. I would have no problem buying another car here.

    19. buy here pay here Lexington dealer review by Lj's Tour guide

      Lj's Tour guide rated Autonomics

      Great place friendly staff

    20. buy here pay here Lexington dealer review by Whitney Bryant

      Whitney Bryant rated Broadway Auto Mall

      My experience with Broadway Auto Mall was all I could hope for. The salesman was friendly and very knowledgeable about the vehicles in stock. I was greeted and given a business card but not followed or pressured so I felt comfortable to take my time and find the car that was best for me. When I was ready to make a deal they had a few different financing options so I could find the plan that best suited me. The purchase was finalized quickly and the numbers were presented clearly so there was no confusion or hidden charges, fine print, etc. I will definitely return when I'm ready to buy my next car.

    21. buy here pay here Lexington dealer review by Kate Johnson

      Kate Johnson rated Broadway Auto Mall

      Amazing customer service!! I purchased a vehicle and had some concerns a few days later. I brought it back and they took care of everything! All associates are very nice and the owner couldn't have given us a better deal or proof of service.

    22. buy here pay here Lexington dealer review by Jerry Banks

      Jerry Banks rated Auto Max Used Cars LLC

      I plan to go back when I get my BMW paid for. They were good guys and very honest about the car. I recommend Automax to anyone needing a good vehicle at a reasonable price.

    23. buy here pay here Lexington dealer review by George Skidmore

      George Skidmore rated Auto Max Used Cars LLC

      Good product with easy payments. I have bought several vehicles there. Staff and owner are friendly and very helpful

    BHPH Lexington KY dealer

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