Top 14 Buy Here Pay Here Dealers in Lubbock TX

Looking for a used car dealer in Lubbock TX but your credit is in bad shape?

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

  • Mitch Wright Auto Sales, TX

  • Fiesta Motors, TX

  • Fiesta Motors, TX

  • Adobe Auto Sales, Inc., TX

  • Carizma Motors, TX

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

  • Carizma Motors, TX

  • Carlisle Motors, TX

  • Gregory Motors, TX

  • Pollard Used Cars, TX

  • Pollard Pre-Owned, TX

  • Did you know? These BHPH Lubbock TX 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 Lubbock 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.

  • Gloe Auto Sales, TX

  • Lubbock 4×4 BHPH Buy Here Pay Here Used Pre-Owned Vehicle Autos Car Sales Dealer in Lubbock County, TX

  • First Choice Motors, TX

  • Z Auto of Lubbock, TX

  • Why buy here pay here Lubbock TX 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 Lubbock TX 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 Lubbock TX 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 Lubbock TX Works

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

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

    The buy here pay here Lubbock TX 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 Lubbock TX 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 Lubbock TX 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 Lubbock TX

    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 Lubbock TX

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

    While buy here pay here Lubbock TX 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 Lubbock TX 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.

    Lubbock TX buy here pay here Reviews

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

    1. buy here pay here Lubbock dealer review by Betty Moore

      Betty Moore rated Mitch Wright Auto Sales

      We only get cars here. Mitch is awesome. We are on our 10th car. Have bought from him for years....and will continue.

    2. buy here pay here Lubbock dealer review by Nancy Robledo

      Nancy Robledo rated Mitch Wright Auto Sales

      The purchasing part of my experience was good. It wasn't until the next day that all the bad things started happening. The check engine light went on and we had to replace some valves a day after getting our vehicle. A week after that, we went out of town and noticed we were leaking gas from the gas tank. Come to find out, the gas tank was patched up and the dealer never told us. Our mechanic told us that if the muffler had been on the other side of the car, it could have exploded with both of us and our 4 kids ranging from 10-13 yrs of age inside. Then, we never received our license plates and our temporary ones were already expiring so I called the office. The response we got was COME ON DOWN AND WE'LL GET THEM PUT ON. WE'VE HAD THEM HERE SINCE LAST MONTH. We never received a call or letter saying they had arrived. Now, a week later, the car just left us stranded with a busted water pump. We have had nothing but problems with this vehicle. I will never get another vehicle from this dealership and I will make sure my friends and family know that these vehicles are no good.

    3. buy here pay here Lubbock dealer review by Christine

      Christine rated Fiesta Motors

      Coming from Adobe just the day previous and having a terrible experience, Fiesta has definitely already earned 5 stars in my book. Huge contrast from the salesman who ignored us made and us wait 4 hours at Adobe, Guillermo was AWESOME! All the guys that helped us get into our new Hyundai were great! They listened to our needs and did their absolute best to get us a car that's right for us at the right price. We could not be happier ? thank you guys!!

    4. buy here pay here Lubbock dealer review by Misha Stewart

      Misha Stewart rated Fiesta Motors

      Lovely browse on a Sunday afternoon. No salesmen, no pressure. Great selection to view. I found a couple in which I have an interest. Great sales technique by Randy Steele. Ransy showed initiative by leaving a business card on two of the vehicles that I found intriguing. I will definitely make a call tomorrow. Already impressed.

    5. buy here pay here Lubbock dealer review by Christina Perez

      Christina Perez rated Fiesta Motors

      David Tagle is wonderful and great. HE did a wonderful job with getting my son into a starter car. Great job, fiesta motors!

    6. buy here pay here Lubbock dealer review by dani rey

      dani rey rated Fiesta Motors

      I got my first car today and the staff was very friendly and answered all my questions. Chris and Drew were very great, great customer service, very helpful and friendly.

    7. buy here pay here Lubbock dealer review by Kimberly Nelson

      Kimberly Nelson rated Adobe Auto Sales, Inc.

      Yes I had a great experience and I like doing business with Adobe. They are very professional and courteous and it is a very people friendly business. My salesman was Eddie and he was warm and friendly and determined to meet my needs. The sales manager was Brandon and he was super quick in approving me and really trying hard to meet all of my needs. I truly love my car and I thank you so much for being the 5 Star business that you guys are.....??

    8. buy here pay here Lubbock dealer review by ronda miller

      ronda miller rated Adobe Auto Sales, Inc.

      Adobe will do anything they need to to help you get into a car. They are all so nice and helpful and Issy is the best sales person. They will work with you in what ever comes up. They got us a great interest rate and low payment. They are awesome. Ronda and Michael

    9. buy here pay here Lubbock dealer review by donna wild

      donna wild rated Carizma Motors

      Donna Bishop here! Thank you so much for the great deal on my Chevy sonic! Julian and Victor was such a pleasure to work with! If it wasn't for them I would not been able to get car I truly love! Thanks guys!

    10. buy here pay here Lubbock dealer review by Julie Davis

      Julie Davis rated Carizma Motors

      I walked in wanting a specific car that they didn’t have wanted to look at a vehicle they had was pretty much sold on it and told the car sales man Mac that that was what I wanted quickly informed me I didn’t want it it need to go back in the shop and showed me another vehicle that I in fact feel in love with my first time ever to have a great experience buying a car wasn’t a headache at all we all laughed and cut up the whole time doing the paper work pretty simple short and was outta there in less than an hr thanks again guys

    11. buy here pay here Lubbock dealer review by Michael Benjamin Garcia

      Michael Benjamin Garcia rated Carizma Motors

      I sincerely appreciate the whole team out at Carizma! Special thanks to M.C. MAKK THE MAN! Salesman of the year for giving me first class service! SHAWNA! for the speedy paperwork, professionalism and smiling face! VICTOR for his treatment of all customers who enter Carizma! JULIAN for his prompt service and dedication. DEBBIE in the finance dept. for her kind and amazing attentiveness to my accounts for the past four years! Continued success, Carizma and congrats on such a special team!! Michael Garcia Customer since January 2016

    12. buy here pay here Lubbock dealer review by Angela Sepulveda

      Angela Sepulveda rated Carizma Motors

      Victor, Adam, and Shawna were AWESOME! They were very patient with me and all the questions I had. They worked efficiently and in great spirits to make me feel like family and that's always a plus with me. I DEFINITELY recommend doing business with them. Thank you Carizma Motors for going the extra mile to help me today.

    13. buy here pay here Lubbock dealer review by Em Veliz

      Em Veliz rated Carlisle Motors

      Love this place, my husband Joe and I purchased a suburban here and they are soo professional and polite and have great vehicles. We look forward to doing future business with them, just waiting for them to bring in a new body suburban. Definitely recommend them! And Stacey is really great, and always provides the best customer service.

    14. buy here pay here Lubbock dealer review by Brandy Brown

      Brandy Brown rated Carlisle Motors

      Adam is amazing! Not enough words to express how simple and easy it was to get in to the perfect car for me! The whole experience took no more than a hour! Adam met me out side, I told him what I was looking for and what I was working with and he sat down and looked at his inventory and was like here you go. Perfect down payment, monthly payments, and the exact vehicle I wanted!

    15. buy here pay here Lubbock dealer review by Martina Herrera

      Martina Herrera rated Gregory Motors

      I've purchased 2 cars and 1 truck from Gregory Motors and I like the service and like I can make my payments in town. I will definitely refer them to friends and family. Good prices and good dependable vehicles. Works well and very friendly.

    16. buy here pay here Lubbock dealer review by Becky Flores

      Becky Flores rated Gregory Motors

      Best customer service.....the owners bend over backwards for their customers!! Great selection......owner does financing AND SPEAKS VERY WELL IN SPANISH!!!

    17. buy here pay here Lubbock dealer review by David Escobar

      David Escobar rated Pollard Used Cars

      Please allow David to guide you through the process and get your dream car.

    18. buy here pay here Lubbock dealer review by Ray Johnson

      Ray Johnson rated Pollard Used Cars

      Joe Garcia was great in helping us find a new vehicle. The whole staff was very accommodating. When my wife needs a new vehicle we will go back.

    19. buy here pay here Lubbock dealer review by Richard Rahl

      Richard Rahl rated Pollard Pre-Owned

      Jeremy, Ashley, & Tyler are the gentlemen I dealt with here and they were all outstanding. Straightforward no BS, which is very nice when looking for a car. It was a pleasure doing business with them. I highly recommend Pollard Pre-owned on 50th and Frankford to find a pre-owned vehicle.

    20. buy here pay here Lubbock dealer review by Krash Anderson

      Krash Anderson rated Gloe Auto Sales

    21. buy here pay here Lubbock dealer review by Andrew Rangel

      Andrew Rangel rated Gloe Auto Sales

    22. buy here pay here Lubbock dealer review by 50 Dollar Tow

      50 Dollar Tow rated Lubbock 4×4 BHPH Buy Here Pay Here Used Pre-Owned Vehicle Autos Car Sales Dealer in Lubbock County

      We work with them for a long time! No one offer 0% interest like lubbock 4x4. But remember to pay your bill, if not your car will get repo

    23. buy here pay here Lubbock dealer review by Henry Dh

      Henry Dh rated Lubbock 4×4 BHPH Buy Here Pay Here Used Pre-Owned Vehicle Autos Car Sales Dealer in Lubbock County

      Really affordable car. We purchased two vehicles from them for me and my wife

    24. buy here pay here Lubbock dealer review by Tammy Britton

      Tammy Britton rated First Choice Motors

      Very friendly place and very honest guy.

    25. buy here pay here Lubbock dealer review by Darren Reed

      Darren Reed rated First Choice Motors

      Peter helped me resolve a title issue with a car he had sold in 2008 today. He had nothing to gain, yet he still took time out of his day to help me solve the problem. Thank you Peter.

    BHPH Lubbock TX dealer

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