Top 14 Buy Here Pay Here Dealers in Lincoln NE

Looking for a used car dealer in Lincoln NE but your credit is in bad shape?

Connect with top 14 buy here pay here Lincoln NE car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Lincoln'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 Lincoln NE

  • Eastep’s Wheels, NE

  • Pacific Auto, NE

  • PricedRite Auto Sales, NE

  • Miracle Mile Motors, NE

  • LAX AUTO, NE

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

  • El Charro Auto Sales, NE

  • M&M AUTO SALES, NE

  • Republic Ford Lincoln, MO

  • Car-Mart, NE

  • B & D Auto Sales, NE

  • Did you know? These BHPH Lincoln NE 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 Lincoln 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.

  • A&R Auto, NE

  • West O Auto, NE

  • G&E Motors – Buy Here Pay Here, PA

  • A&B Auto Sales, NE

  • Why buy here pay here Lincoln NE 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 Lincoln NE 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 Lincoln NE 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 Lincoln NE Works

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

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

    The buy here pay here Lincoln NE 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 Lincoln NE 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 Lincoln NE 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 Lincoln NE

    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 Lincoln NE

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

    While buy here pay here Lincoln NE 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 Lincoln NE 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.

    Lincoln NE buy here pay here Reviews

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

    1. buy here pay here Lincoln dealer review by Russ Modell

      Russ Modell rated Eastep’s Wheels

      Brett and his family, conpany are wonderful, caring, and professional business people. Found an incredible, original, fully documented gem they had, Brett made the whole experience, communication, and coordinating transport of the vehicle a gold standard of what vehicle transactions should be. Thank you and God bless you Brett.

    2. buy here pay here Lincoln dealer review by Blanca L-J

      Blanca L-J rated Eastep’s Wheels

      Very impressed with Brett, we would not hesitate to buy a used car from him. He was open and sincere. His unique cars are worth the drive to Lincoln from Central Iowa.

    3. buy here pay here Lincoln dealer review by Ron Nelson

      Ron Nelson rated Pacific Auto

      We bought this 2016 Civic from Pacific Auto last Saturday and couldn't be happier! We actually found this online and drove from Des Moines to look at it, as it had all of the options we were looking for and was within our budget. James was great to work with! He was very busy (lots of customers) but was friendly and helpful and there was absolutely no pressure to buy. We feel that we purchased a solid car that will last us a long time. Would definitely return and have been recommending this dealer to our family and friends. Thanks again James, my wife and I really enjoyed working with you and have talked about how honest we felt you were.

    4. buy here pay here Lincoln dealer review by Karin Yarnell

      Karin Yarnell rated Pacific Auto

      We drove over two hours to buy a car here. Our experience was excellent. I highly recommend! The staff is friendly and very knowledgeable about their vehicles. There are many high quality vehicles to choose from. Jim, the owner, was very helpful and accommodating. We are very happy with our purchase. We will be back whenever we are in the market for another vehicle!

    5. buy here pay here Lincoln dealer review by Michael Eaton

      Michael Eaton rated PricedRite Auto Sales

      Did most of the leg work and pre-planning online for a used Tesla I wanted to buy. When I drove up from KC both cars that I wanted to look at were available and ready to test drive. My entire stay in Lincoln took about three hours with driving two cars and completing a transaction. Very smooth process and Dakota is very knowledgeable about these cars. Everyone was nice and easy to work with. One of the best car buying experiences I have ever had.

    6. buy here pay here Lincoln dealer review by James Clark

      James Clark rated PricedRite Auto Sales

      Alex (AJ) was absolutely perfect to work with. My entire transaction was handled through text and email. He answered all my texts very promptly, and answered any questions I had. They gave me a fantastic price on the vehicle i was interested in, and even arranged to have it shipped to my front door (for a very reasonable shipping cost). Very impressed with their professionalism, and eagerness to help get the vehicle I wanted. From the time I saw the car on their website, until it was at my front door (around 500 miles), was a total of 4 days. Fantastic job guys, keep it up!

    7. buy here pay here Lincoln dealer review by Jacob Dickinson

      Jacob Dickinson rated Miracle Mile Motors

      The place is awesome. Not pushy in the slightest and never tried to sell me anything I didn't want. They were straight forward with me about the whole process and it was easy. Went in and told them I want to look at their 2012 Camry and the very next day I was walking out the door driving the thing away. Bill was awesome and friendly and really showed interest in knowing my wife and I as people. He also showed me how much goes into the cars they sell. They take care of their cars and they take care of their customers even more!

    8. buy here pay here Lincoln dealer review by Courtney W.

      Courtney W. rated Miracle Mile Motors

      The guys at Miracle Mile Motors were friendly and professional. They took the time to share with me the information about the car I was interested in and didn't pressure me to buy. They helped me find the perfect vehicle. I will definitely go back!

    9. buy here pay here Lincoln dealer review by Joshua Tidd

      Joshua Tidd rated LAX AUTO

      We had a good experience buying our vehicle from LAX AUTO in Lincoln. Sharifa in the office was kind, helpful, and flexible with having our mechanic check out the vehicle. And Eric, the mechanic, quickly took care of any concerns we had.

    10. buy here pay here Lincoln dealer review by Jade Grady

      Jade Grady rated LAX AUTO

      Amazing customer service with Sharifa. The whole deal was fast and easy. My husband And I will definitely be recommending this place to all our friends and family, and we will be back for another vehicle in the near future!

    11. buy here pay here Lincoln dealer review by Michael Jimenez

      Michael Jimenez rated El Charro Auto Sales

    12. buy here pay here Lincoln dealer review by Javier Gonzalez

      Javier Gonzalez rated El Charro Auto Sales

    13. buy here pay here Lincoln dealer review by Raul Raul

      Raul Raul rated M&M AUTO SALES

      I found a vehicle online I was really interested in. The sales staff super friendly and informative. I did an online financing application and the staff was great. They listened to my concerns and got me the financing I needed at better terms than I expected. These guys held the car for me to come in the next day, test drive, and purchase. They made all parts of the process smooth and explained everything. They weren't pushy at all. I couldn't have asked for a better time buying a car. I will definitely be going back for our next purchase!

    14. buy here pay here Lincoln dealer review by Jaesa Vaughn

      Jaesa Vaughn rated M&M AUTO SALES

      Came here looking for a used SUV that was safe, reliable and not overly priced. Mo helped me out and got me a great car for a great deal. He was so patient with me and answered all the questions I had. Would go back again!

    15. buy here pay here Lincoln dealer review by gator raid

      gator raid rated Republic Ford Lincoln

      Love my new car. I got a 2011 hhr and couldn't have been happier. Very nice and knowledgeable staff really helped me get behind the wheel of a reliable car. Great service plans the vehicles. Would recommend going here to anyone needing something better for sure

    16. buy here pay here Lincoln dealer review by Carl McChesney

      Carl McChesney rated Republic Ford Lincoln

      Our son bought a 2018 Focus here and sales staff were excellent. Unfortunately our son was hit head on by another vehicle. Due to the accident all the paperwork was lost at the scene. Republic Ford was able to replace the necessary paperwork in just a few minutes. Very courteous and respectful. I can't say enough good about the employees of this business. THANK YOU to everyone at Republic Ford who all went above and beyond to make our sons first new car buy such a joyous experience.

    17. buy here pay here Lincoln dealer review by Oscar Fuentes

      Oscar Fuentes rated Car-Mart

    18. buy here pay here Lincoln dealer review by Summer P

      Summer P rated B & D Auto Sales

      I stopped in on a rainy day and everyone was very friendly and worked great with me to find something in my price range. I was able to get approved and take a vehicle home that same day. Great selection of vehicles for every price range. Highly recommend!

    19. buy here pay here Lincoln dealer review by Arch Stanton

      Arch Stanton rated B & D Auto Sales

      Excellent

    20. buy here pay here Lincoln dealer review by Jason Hansen

      Jason Hansen rated A&R Auto

      Fast,simple,easy and friendly!! Literally walked in and pointed to the vehicle i wanted and seriously not exaggerating, within 15 minutes the transactions were complete and intransits on my truck and i was rolling out of there with the vehicle of my choice. Thats the way a car buying experience should be like. Financing is available with absolutely no hassle and NO interest!! OH AND MAKE SURE YOU TALK TO TONY!! The man right there!!

    21. buy here pay here Lincoln dealer review by Hamza Ahmed

      Hamza Ahmed rated A&R Auto

      By far one of the best car dealerships in Lincoln. Great customer service, I don't think I've been treated better by any other dealership in Lincoln. Got a nice car that I wanted easily for a good price. Theirs no interest or any other of that nonsense extra pay. I know for sure where to go if I ever need new car. I LOVE THIS PLACE.

    22. buy here pay here Lincoln dealer review by James Hollenden

      James Hollenden rated West O Auto

      Nice staff nice selection of cars

    23. buy here pay here Lincoln dealer review by kyle monster

      kyle monster rated West O Auto

      Quick and easy transaction, fair prices, and clean cars. Thanks again guys, loving my BMW 530i !

    24. buy here pay here Lincoln dealer review by Joann Snyder

      Joann Snyder rated G&E Motors – Buy Here Pay Here

      Need a dependable car with or with out bad credit? They are the go to place. Very up front and honest. Family oriented and treat you like family. I can not wait to buy a car tomorrow and I know I will get the red carpet treatment. That is how good they are to their customers. I highly recommend them.

    25. buy here pay here Lincoln dealer review by Maria Kuptsova

      Maria Kuptsova rated G&E Motors – Buy Here Pay Here

      Awesome experience! Everyone here is super nice and helpful! And I got a great car which i love! If u want an easy car buying experience and get a car u love go to this dealership!!! Im so happy with what I got!!!

    26. buy here pay here Lincoln dealer review by Ben Ferguson

      Ben Ferguson rated A&B Auto Sales

      My wife and I found a "first" car here for our 16 year old daughter. The salesman, Nate, was very helpful pointing out which cars he thought would be best for us. I think something that helped us is that we first looked without intending to buy. Since that was well understood, there was no pressure. They have a large lot with many cars out in the back that must not be for sale. They have weeds and such growing all around them. In the front, they seem to have a fair selection to look at. We came back later after narrowing down a few cars. We checked them out as best we could and narrowed down to 1 that seems to have few issues. We took it to a trusted mechanic and it checked out. I would highly recommend you ALWAYS have a 3rd party check out a used car for you. Several of the cars here that were options would not have been a good buy. Fortunately, we found a gem that was fairly priced - a 2013 Chevy Cruze in good condition for 4700. Everything looked good on the way out, but a few days later we noticed a radiator fluid leak. It took us a week to track it down because it was intermittent. We took it to a few places and they couldn't track it down. We finally took it to a dealer (ugh), Chevy Deuteau. They wanted $1080 to fix the turbo cooler, so we decided to check back with A&B. I had heard A&B had a good reputation for sticking by cars they've sold. We weren't disappointed. We brought the car back to them and within a day they had it fixed. They charged us for the part, but they took care of the labor. They even stayed after closing hours on a Saturday evening for us to swing by and pick it up since they are closed on Sundays. I hate dealing with car problems and sales people, but these folks made it a good experience for us!

    BHPH Lincoln NE dealer

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