Top 16 Buy Here Pay Here Dealers in Lowell MA

Looking for a used car dealer in Lowell MA but your credit is in bad shape?

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

  • Dalmaso Motors, MA

  • Howe’s Auto Sales, MA

  • Autos Unlimited, MA

  • Merrimack Auto Sales, MA

  • Chelmsford Street Auto Sales, MA

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

  • Lowell Automatic Transmission, MA

  • Lowell Used Auto Sales, MA

  • David Ducharme’s Auto Sales, MA

  • The Highline Group Inc, MA

  • Auto Credit Super Store, MA

  • Did you know? These BHPH Lowell MA 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 Lowell 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.

  • Best Auto Bargain inc., MA

  • Katie’s Kars, MA

  • Chelmsford Street Motors, MA

  • Middlesex Auto Sales Corp, MA

  • Karman Auto Sales, MA

  • The phrase buy here pay here Lowell MA 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. Lowell 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.


  • Why buy here pay here Lowell MA 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 Lowell MA 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 Lowell MA 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 Lowell MA Works

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

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

    The buy here pay here Lowell MA 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 Lowell MA 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 Lowell MA 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 Lowell MA

    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 Lowell MA

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

    While buy here pay here Lowell MA 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 Lowell MA 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.

    Lowell MA buy here pay here Reviews

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

    1. buy here pay here Lowell dealer review by Teles Grassmann

      Teles Grassmann rated Dalmaso Motors

      Excellent Job .. Good Prices .. very nice people they did everything for me and helped me on all the question that I had .. thank you . love my new car !

    2. buy here pay here Lowell dealer review by Lilliana Ferrer

      Lilliana Ferrer rated Dalmaso Motors

      Great prices, friendly and trust worthy. 100% recommend!

    3. buy here pay here Lowell dealer review by Paul Martin

      Paul Martin rated Howe’s Auto Sales

      Thank you so much for treating a good friend of mine that I referred to you with respect and honesty! He truly was amazed by the selection of cars you had and the Great prices! You helped him get into a great car that was affordable to him and yet listened to all his needs of what he was looking for ! Thank you so very much as I will be sending more friends your way ! Paul

    4. buy here pay here Lowell dealer review by Matt Johnson

      Matt Johnson rated Howe’s Auto Sales

      Outstanding place, no pressure sales. I've been to a bunch of dealerships, as one does shopping for a car/truck, and this was the first place I noticed I was treated differently. I was looking at a truck all week because I drive by everyday and decided to stop in. I was greeted kindly and not as a sales pitch, it was more of a conversation. Unlike the pushy tactics of other dealerships. (one place even offered me "it'll pass inspection" seriously!?!) I ended up buying the truck. They made sure everything was fixed perfectly to my specs without giving me the feeling of any hassle. Truck was in amazing condition. I also talked to 3 mechanics I know and they all said Howe's was a real decent seller. I'm happy. Love the truck. I'd definitely recommend stopping by and checking them out.

    5. buy here pay here Lowell dealer review by Joey Vasquez

      Joey Vasquez rated Autos Unlimited

      What a great dealership, truly a family business. The owner randy is great and fixed the issues with the car promptly. The receptionist irene is incredibly she always follows up and does everything she can to help you out. Thanks Auto Ulimited for my dream car.

    6. buy here pay here Lowell dealer review by Kevin Goulart

      Kevin Goulart rated Autos Unlimited

      Best used cars hands down!

    7. buy here pay here Lowell dealer review by Shawn Borger

      Shawn Borger rated Merrimack Auto Sales

      Great service, and very professional when doing business with Merrimack auto sales. Jordan our sale rep was polite, friendly and very respectful of our time at the dealership. They put in a lot of time and effort into there vehicles that they are selling to make sure its 100 % ready for you to enjoy. I'm sure everyone has there different experiences when buying a used vehicle. Some negative some positive. Mine personally with Merrimack Auto sales was well beyond my expectations. Will definitely do business with these guys in the future.

    8. buy here pay here Lowell dealer review by DAN HORAN

      DAN HORAN rated Merrimack Auto Sales

      Excellent dealer. I've bought 3 cars from them over the last 8 years. Very worth it.

    9. buy here pay here Lowell dealer review by BigAl33 Usmc

      BigAl33 Usmc rated Chelmsford Street Auto Sales

      I recently purchased my 2012 tundra from Chelmsford street auto. I viewed many trucks before hand but found nothing as nice and in as good condition as the truck they had. The salesman I worked with Ross was a laid back guy and not pushy at all. The atmosphere there was very relaxed I was not pressured in any way. The longer you stay and learn more you’ll begin to realize these guys make a great living selling decent cars while not screwing people over, they are a far cry from the sleazy salesman stereotype. As a mechanic I appreciated greatly the fact that when I turned down certain coverages they did not continue to try and sell me these extras. If you have realistic expectations and are not easily triggered by the occasional small imperfection or maybe a bad ball joint, then you will have no problem buying a USED car here. Before I drove the truck home they gave me a tank of gas for free, you tell me what kinda used car dealership does that! Would definitely recommend Chelmsford street auto sales!

    10. buy here pay here Lowell dealer review by Denzel Vazquez

      Denzel Vazquez rated Chelmsford Street Auto Sales

      Excellent service Must buy here.My car experience here has been nothing but Excellent from the moment I walked in the door I was treated like family My transition into getting my new car was the smoothest I’ve ever seen in any car dealership I have been to So I want to personally think the guys Charlie Charbel and Ross for making this a Hassle and worry free buying experience.I highly recommend you buying a car from the dealership You won’t regret it!!!

    11. buy here pay here Lowell dealer review by David Bragdon

      David Bragdon rated Lowell Automatic Transmission

      Since arriving in Lowell in The Acre 10 years ago, Lowell Automatic Transmission has been my "go-to" for car service and inspection (as well as gas & oil at the Sunoco there). Lowell Automatic Transmission staff have always been genuinely friendly, honest and accurate. I recommend these professionals highly.

    12. buy here pay here Lowell dealer review by Scott Mclatchy

      Scott Mclatchy rated Lowell Automatic Transmission

      They towed me for free. Very nice people in my time of need

    13. buy here pay here Lowell dealer review by juan martinez

      juan martinez rated Lowell Used Auto Sales

      Great place very helpful ppl and good price very happy whit there service

    14. buy here pay here Lowell dealer review by joe martin

      joe martin rated Lowell Used Auto Sales

      Good used place

    15. buy here pay here Lowell dealer review by Elaine Martin

      Elaine Martin rated David Ducharme’s Auto Sales

      Never before has buying a vehicle been without stress! Advised my Son on the best deal to meet his needs.Honest and super helpful! Would not hesitate to recommend to anyone! Thank you both very much!

    16. buy here pay here Lowell dealer review by Brian M Jones

      Brian M Jones rated David Ducharme’s Auto Sales

      This is my second go around with Ducharme's Auto sales. I bought a Buick there 3 yrs ago. Ron Ducharme took really good care of me and my wife. We went there looking at a another Buick, but when that did not work out, he suggested a 2006 Saturn Vue, which I really had no interest in. But after test driving it and bringing it to my personal mechanic, we ended up buying it. Ron Ducharme went out of his way as he always does and gave us a good deal on our trade in and on the financing part of the car. I would recommend anyone looking for good cars at a good price and a place that stands behind their sale after you have left the lot.

    17. buy here pay here Lowell dealer review by Mario Bresko

      Mario Bresko rated The Highline Group Inc

      As a young college student and a first time buyer my experience at Highline Motors was quite pleasant. I highly recommend they have a wide range of models with really great prices for everyone. I went from driving an 2004 dodge to a reliable used low miles car in no time. I was nervous being a first time buyer and finding the right car/deals, luckily Highline was the first dealership I went into, everything was so smooth. There was no need to run around dealership to dealership. I can truly say they will take care of you as they put the customer first. The atmosphere is wonderful, the salesmen Mo Liam, Rocky etc, mangers even the owner worked really hard to help me find the best car for me. No more need to worry about being stranded on the highway lol. If you are looking to purchase a car Highline motors is the way to go! Just check out there inventory you won’t be disappointed.

    18. buy here pay here Lowell dealer review by Bruce Kimball

      Bruce Kimball rated The Highline Group Inc

      Bought a gorgeous 2016 BMW 428i xDrive—my experience with Jim/Ted/Zac was unbelievable—but mostly with the owner Charlie who gave me his personal cell number and kept in touch throughout the process including sending me pics of the rims he had blackened out for me and putting brand new brakes all around AND having his guys deliver the car to my driveway—FIRST CLASS all the way and we are definitely CUSTOMERS FOR LIFE ?????

    19. buy here pay here Lowell dealer review by Corron Pittman

      Corron Pittman rated Auto Credit Super Store

      This place is awesome! Great customer service, and unbelievable deals. I thought I could never get another loan, and these guys gave me the chance i needed to buy safe and reliable vehicle for me and my family. Rich lock down the deal, and Billy helped me with all my needs. I highly recommend this dealership!

    20. buy here pay here Lowell dealer review by Terryann Gavin

      Terryann Gavin rated Auto Credit Super Store

      Let me start off by saying I was having a super difficult time getting a good rate and approval from other dealerships due to my challenging credit. I started speaking to the amazing Mike on the phone but a coworker made me believe it was a hoax. After careful consideration I decided to finally give it a go. I was matched with Rich to help me out and I must say he is hands down the best person I have ever dealt with in sales. He was so pleasant extremely helpful and did whatever I took to help me get into the vehicle I loved. I would absolutely continue to recommend this place to others. Every single person there was helpful and kind. That’s exactly what people need because car shopping can be extremely frustrating. Thank you so much for making it an easy experience for me!

    21. buy here pay here Lowell dealer review by Zachary Luna

      Zachary Luna rated Best Auto Bargain inc.

      Honest and excellent service. Changed my perception of a car salesman. I purchased a Jeep Wrangler paid a shop near by to inspect it, they didn’t find anything wrong other than tires and break wear. I bring the Jeep home and go to get an alignment to discover the track bar, front and left tie rods were worn. Garen the owner took it to his mechanic they made all of the repairs plus an additional one that the alignment center hadn’t caught and they had it aligned. I am extremely happy and highly recommend them. I own New England Family Insurance and keen on customer service, I was extremely impressed.

    22. buy here pay here Lowell dealer review by Arthur Catino

      Arthur Catino rated Best Auto Bargain inc.

      After visiting many dealerships with high-pressure salesman, it was very refreshing to deal with Garen. They will never ask you for a phone number or any other personal information until you decide on your purchase. So you will never get cold sales calls. They also seem to have good selection of cars at the very reasonable price. I’ve purchased my second vehicle from them little over three months ago, it was a Toyota Highlander 2016 , no problem at all very happy with my purchase .

    23. buy here pay here Lowell dealer review by Michael Ortiz

      Michael Ortiz rated Katie’s Kars

      I bought few cars from here i know the owner personally since 2007 and i never had problems before he is very serious and responsible I'm thinking to go purchase another car thx tucker

    24. buy here pay here Lowell dealer review by Nikki Birdsall

      Nikki Birdsall rated Katie’s Kars

      Love my new Audi from here. So simple to purchase and great customer service!

    25. buy here pay here Lowell dealer review by Arty Desroches

      Arty Desroches rated Chelmsford Street Motors

      Bought 7 vehicles from Chelmsford st. Motors, have car and truck now,car for 12 years truck for 8 years, very happy.

    26. buy here pay here Lowell dealer review by Mark Leedberg

      Mark Leedberg rated Chelmsford Street Motors

      Very customer-friendly very good prices quality dependable used cars

    27. buy here pay here Lowell dealer review by Juan Daquilema

      Juan Daquilema rated Middlesex Auto Sales Corp

      just bought my work Van and it was very pleasant the transaction. i do recommend this place. Very good.

    28. buy here pay here Lowell dealer review by Arianna Marie

      Arianna Marie rated Middlesex Auto Sales Corp

      Bought 2 cars from them and a few family members of mines as well, I’ve always had a pleasant experience. Very clean and well maintained vehicles, they took care of everything even registration and inspection. When I went to pick up the vehicle all I had to do was drive it home. Thanks again.

    29. buy here pay here Lowell dealer review by Michele Roy

      Michele Roy rated Karman Auto Sales

      I bought during Covid19 and enjoyed my experience with these guys. There were a few things that I wanted taken care of before I purchased and they took care of it. I get it, used dealers seem shady when they sell ya used cars, ya never know when something will break. Can't anticipate everything nor can you fix what you don't know to be wrong. Anyway, I got a 2008 Jeep Wrangler Unlimited and have had it a few weeks now. It's been fine and the guys were great when I was there.

    30. buy here pay here Lowell dealer review by Peggy Reilly

      Peggy Reilly rated Karman Auto Sales

      These guys are A-1! They really helped me with getting the vehicle I needed & wanted. They worked with me & FOR ME! I have recommended my family & friends to go to them! They were a CLASS ACT! I appreciate everything they did!

    31. buy here pay here Lowell dealer review by atila ferreira


      I bought my truck with this dealer a few months ago. I liked them because my credit was awful and still I was able to finance. I brought two friends to buy there too.

    BHPH Lowell MA dealer

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