Top 14 Buy Here Pay Here Dealers in Louisville KY

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

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

  • iDrive Financial, KY

  • Best Buy Motors Super Store – Louisville KY, KY

  • Louisville Cars & Trucks, KY

  • Byrider Louisville, KY

  • Auto Gallery, KY

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

  • Auto Outlet, KY

  • VA Quality Motors, KY

  • Jeff Harvey Auto Sales, KY

  • Gardner Used Cars, KY

  • Rockford Lane Auto Sales, KY

  • Did you know? These BHPH Louisville 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 Louisville 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.

  • Southside Auto Sales II, KY

  • Rocky’s Auto Sales, KY

  • Circus Auto Sales, KY

  • Auto Smart, KY

  • Why buy here pay here Louisville 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 Louisville 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 Louisville 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 Louisville KY Works

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

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

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

    While buy here pay here Louisville 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 Louisville 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.

    Louisville KY buy here pay here Reviews

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

    1. buy here pay here Louisville dealer review by Denise  Jefferson

      Denise Jefferson rated iDrive Financial

      Purchased my truck about 6 weeks ago and I absolutely love it! Shawn was awesome - not your typical car salesman! He was a pleasure to work with because he was straight forward - to the point. Purchasing from iDrive was a pleasure as well. The price posted on the vehicle is what you pay - my truck was approximately $2,000 below KBB. WIN-WIN FOR ME! THANK YOU SHAWN! I would definitely buy another vehicle from Shaun and iDrive. Oh and I ? the cat! He's an excellent employee as well! ?

    2. buy here pay here Louisville dealer review by Patrick Murray

      Patrick Murray rated iDrive Financial

      Great place to buy a car! Fast, friendly, not pushy and easy. They will climb Mt. Everest for you to make it possible to drive away in a great car. Freddie Thrasher is the man!

    3. buy here pay here Louisville dealer review by Nakita Reed

      Nakita Reed rated Best Buy Motors Super Store – Louisville KY

      Wow I love this place!! This is my second time bringing my 2007 Cadillac SRX to them. First time was last year when no one in town could fix it when the key wouldn't come out of the ignition but they did at Best Buy and no problems since. Now this time I took it in and Chad let me know it had so much going on it really would be more problems getting it fixed. We bought a minivan from them 2 years ago and haven't had any problems with it. Thank you so much Chad for your honesty! You have a #forever customer!!

    4. buy here pay here Louisville dealer review by Calisa Shirley

      Calisa Shirley rated Best Buy Motors Super Store – Louisville KY

      Love this place. Got my second car.

    5. buy here pay here Louisville dealer review by Angela Anderson

      Angela Anderson rated Louisville Cars & Trucks

      Louisville Cars and Trucks was recommended to us by a friend and we stopped by to look at a vehicle we saw on their website and we loved it! Great staff, not at all pushy like other car dealerships. Felt like a family run business, which I believe it is. The next time we need a car we will definitely be stopping by! Thank you! We love our Honda!

    6. buy here pay here Louisville dealer review by josh cummings

      josh cummings rated Louisville Cars & Trucks

      I had a great experience. Terrific small business and family friendly staff. Great deals and plenty of vehicles to choose from, whatever your needs may be. They care about the customers needs and will help you find the best vehicle. I highly recommend this car lot!!!

    7. buy here pay here Louisville dealer review by Michael Wayne

      Michael Wayne rated Byrider Louisville

      Great place to buy a vehicle. Friendly staff, reasonable prices and low down payment. Staff made process very simple. Would buy another car from here in the future.

    8. buy here pay here Louisville dealer review by Monica Jordan

      Monica Jordan rated Byrider Louisville

      Jesse is an awesome sales rep. I’m glad I had the pleasure of doing business with him. I came into the dealership in hopes of getting into a vehicle that I desperately needed, and I end up leaving with the vehicle that I wanted. You can’t get that type of service, commitment, and honesty from just anywhere. Thanks Byrider, and a very special thanks to Jesse as well.

    9. buy here pay here Louisville dealer review by T Gesh

      T Gesh rated Auto Gallery

      I think its very nice seems to move cars like a car dealership should.... 5 stars

    10. buy here pay here Louisville dealer review by Bernard ONeill

      Bernard ONeill rated Auto Gallery

      Entirety of transaction was easy and car works beautifully!... Fair up front price, routine maintenance performed, and car was ready for 600 mile+ drive to out of state residence upon pickup. Vehicle now 1000+ miles into ownership and issue free... Would recommend Sam and the dealership for any car buyer desiring an honest, hassle free transaction... Also, a great business you can trust for an online sales and up front pricing.

    11. buy here pay here Louisville dealer review by cody h

      cody h rated Auto Outlet

      They have some nice trucks it's a cool environment

    12. buy here pay here Louisville dealer review by Chris Robb

      Chris Robb rated Auto Outlet

      Bought car here great customer service ?

    13. buy here pay here Louisville dealer review by Marylou Shackelford

      Marylou Shackelford rated VA Quality Motors

      I love my car i bought from them. It runs great. I got end of January start of February and only thing i had to do was get a new battery. Nothing else is wrong with the car. They are great people to shop with. I highly recommend this place to get a car from. Ill be back for car number 2 soon. Thank you everyone who works there for your kindness and compassion.

    14. buy here pay here Louisville dealer review by Nichole Ollman

      Nichole Ollman rated VA Quality Motors

      My first time purchasing a car on my own and I couldn’t of had a better experience!! VA Quality Motors went above and beyond for my family and I. Let me test drive multiple vehicles, stayed late to help finalize the purchase on the car I decided on, and were more than helpful the whole time!! Also my 2 year old daughter was with me and Rosie, the owner, and another gentleman were more than helpful and patient with her and I throughout the whole time. From helping move her car seat from car to car that I test drove, letting her play with postits in the bosses office and just be a little girl I was right at ease and was comfortable so I could make a decision on a vehicle. I HIGHLY recommend VA Quality Motors if you are looking to buy a new or used car!! Thank you to the VA family from mine!

    15. buy here pay here Louisville dealer review by Holly Hinson

      Holly Hinson rated Jeff Harvey Auto Sales

      Jeff Harvey is awesome! You couldn’t ask for nicer folks! They sell affordable quality cars and I have had nothing but great experiences with them. They’re truly like family!

    16. buy here pay here Louisville dealer review by Denise Williams

      Denise Williams rated Jeff Harvey Auto Sales

      Great place to purchase a newer vehicle. Communication is best policy. There's also a notary on hand, if needed

    17. buy here pay here Louisville dealer review by Josh Hall

      Josh Hall rated Gardner Used Cars

      Bought a truck yesterday. Got a great deal. Service was great. They don’t push you into a vehicle like other car lots. Everyone was polite and helpful. I test drove about 5 cars and they answered all of my questions with a smile on their faces.

    18. buy here pay here Louisville dealer review by Robin Fleenor

      Robin Fleenor rated Gardner Used Cars

      We have bought many vehicles from Ray Gardner over the years and recently I sent my son to see them for his first car. Great folks that will go above and beyond to see you get a Good running car.

    19. buy here pay here Louisville dealer review by Michelle Cottner

      Michelle Cottner rated Rockford Lane Auto Sales

      Great honest people, family owned and operated. Best used cars in the South end.

    20. buy here pay here Louisville dealer review by Wallace Clark

      Wallace Clark rated Rockford Lane Auto Sales

      A f very well place to buy a car very friendly and helpful on all need on cars. A diffsnt 5 star rating I say and very well mannered and friendly and nice staff

    21. buy here pay here Louisville dealer review by Amber Morris

      Amber Morris rated Southside Auto Sales II

      These guy's are awesome. My boyfriend got a used car from here a few months ago where no other used car lot would help like these guy's did. Paul is wonderful, he's just a great guy in general. Very fair, down to earth and honest. He's always helping if we have to call with anything and really goes above and beyond what he should do. I highly recommend this place if you're looking for a good used car;)

    22. buy here pay here Louisville dealer review by Paul Tincher

      Paul Tincher rated Southside Auto Sales II

      By far the very best Buy Here-Pay Here car dealership in the state ! The best selection anywhere and absolutely the most personable staff around ! Hand selected cars are super clean and reliable !!!

    23. buy here pay here Louisville dealer review by Norman Speakes

      Norman Speakes rated Rocky’s Auto Sales

      I highly recommend coming to Rocky's. Rocky and Barry are hands down the most understanding and down to earth people that have plenty of experience to go with heart. Communication is the key here, and they will help you with anything you need! Knowledgeable people, and honesty is what I've experienced. If you develop problems and you keep a good account, and communicate; they'll absolutely treat you great! 5 stars!

    24. buy here pay here Louisville dealer review by Jessica Thomas

      Jessica Thomas rated Rocky’s Auto Sales

      Good people that really care and are willing to help!

    25. buy here pay here Louisville dealer review by Curtis Burke

      Curtis Burke rated Circus Auto Sales

      Great deal..

    26. buy here pay here Louisville dealer review by Greg Bright

      Greg Bright rated Circus Auto Sales

      Circus Auto has been total game changer for me and my family. They financed me into a late model beautiful Volvo that has been excellent for the past three years and even went above and beyond on the pay off when I went to finance my first home. My credit has shot up almost 90 pts since I bought my car from them because they reported all of my on time payments. Chuck and Brandy have been always more than fare and always treated me with dignity and respect. I would highly recommend this place for any of your transportation needs.

    27. buy here pay here Louisville dealer review by Lapriest Maddox

      Lapriest Maddox rated Auto Smart

      Best selection of vehicles on both lots

    28. buy here pay here Louisville dealer review by Barbara Bosco

      Barbara Bosco rated Auto Smart

      Got me in the one I didn't think I could get.

    BHPH Louisville KY dealer

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