Top 18 Buy Here Pay Here Dealers in Madison WI

Looking for a used car dealer in Madison WI but your credit is in bad shape?

Connect with top 18 buy here pay here Madison WI car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Madison'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 Madison WI

  • Steves Auto Sales E. Washington Madison Wi 53703, WI

  • Indian Motorcycle of Madison, WI

  • Engelhart Motorsports, WI

  • Byrider Madison, WI, WI

  • Goben Cars, WI

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

  • Campus Cars, WI

  • Zimbrick at Fish Hatchery Road, WI

  • Fields Jaguar Land Rover Volvo Madison, WI

  • Russ Darrow Kia of Madison, WI

  • Smart Motors Used Cars, WI

  • Did you know? These BHPH Madison WI 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 Madison 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.

  • Smart Budget Cars, WI

  • Mad City Mitsubishi, WI

  • CarMax, WI

  • Capital Auto Clinic, WI

  • Steve’s Auto Sales of Madison E. Wash, WI

  • The phrase buy here pay here Madison WI 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. Madison 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.

  • MSI Auto Sales, WI

  • Schoepp Motors East, WI

  • Capitol Auto Credit, WI

  • Why buy here pay here Madison WI 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 Madison WI 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 Madison WI 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 Madison WI Works

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

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

    The buy here pay here Madison WI 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 Madison WI 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 Madison WI 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 Madison WI

    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 Madison WI

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

    While buy here pay here Madison WI 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 Madison WI 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.

    Madison WI buy here pay here Reviews

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

    1. buy here pay here Madison dealer review by brenson jackson

      brenson jackson rated Steves Auto Sales E. Washington Madison Wi 53703

      Steve auto sales sole me to cars and i must admit those two cars was two of the best cars i have ever bought out of my ??.30 plus years of buying cars i would recommend any one. That is in the market of buying a car or two to please go pay Steve a visit you would be vary glad you did.

    2. buy here pay here Madison dealer review by Kimberly Jackson

      Kimberly Jackson rated Steves Auto Sales E. Washington Madison Wi 53703

      Drove down from Dells to look at a car and found that the lot was full of very nice inventory. Steve gave very good service. Explained all the important details of the car before allowing us to take it for a test drive. During the purchase Steve explained each document and the things which needed to be taken care of after the purchase. Definitely would recommend Steve Auto Sales Madison.

    3. buy here pay here Madison dealer review by Ryan Randecker

      Ryan Randecker rated Indian Motorcycle of Madison

      I had a great experience with Brady as a salesman. I came in with my mind open and Brady did a great job finding the best bike for me without pressuring me into anything. Easy to work with and friendly staff all the way around. I will be coming back for any servicing that needs to be done in the future.

    4. buy here pay here Madison dealer review by Lori Hug

      Lori Hug rated Indian Motorcycle of Madison

      Lots of bikes. The salesman was very friendly. Huge selection of very nice apparel. This store has what it takes to compete with Harley on accessories.

    5. buy here pay here Madison dealer review by mark wentland

      mark wentland rated Engelhart Motorsports

      "I've been a customer for years, but this was my first major purchase. I snow check a 2021 Polaris and Dennis made it an awesome experience. What made me want to purchase it from Engelhart was over the years working with there whole staff from parts, accessories, and the best service department to work with hands down! Everyone is so helpful and friendly and they don't just sell it, they use the products they sell and can give you there honest opinions, you just cant get that with online shopping! Thank you to everyone at Engelhart! "

    6. buy here pay here Madison dealer review by Morne

      Morne rated Engelhart Motorsports

      Best purchasing experience I have ever had, I have bought two bikes from Engelhart, most recently my triumph Daytona 675, and the guys and gals here made the experience awesome for me, they treat you like family here and I still drop by just to hang out with some of the guys. Jordan Gustafson is singlehandedly one of if not the best salesmen I have had the pleasure of meeting and doing business with, not once did I feel pressured to buy, and when I bought my first bike, I was new to the world of motorcycling but Jordan helped me through that no problem. A heartfelt thank you to everyone at Engelhart, you are absolutely amazing. It's really difficult for me to go to another dealer to buy a bike, Engelhart will have my business for years to come. Can't recommend this dealer enough if you're looking for a new vehicle

    7. buy here pay here Madison dealer review by Steven Kelly

      Steven Kelly rated Byrider Madison, WI

      Byrider was a fabulous place to do business with!! Their service is professional and quick!! They are about making sure their customers are happy and comfortable. the people help you in anyway they can to get you in a car and drive it home the same day!! Would highly recommend them to others! Will definitely do business again with them!! If you need a car stop in there!!!!

    8. buy here pay here Madison dealer review by diondra sterling

      diondra sterling rated Byrider Madison, WI

      Meka took great care of me, got me in the perfect vehicle for my family. He was very kind and prompt to get you in and out to your car. He made sure you understood everything at hand. Would recommend this guy to anyone looking to get a car.

    9. buy here pay here Madison dealer review by Lexi 1/19/1996

      Lexi 1/19/1996 rated Goben Cars

      Everyone here worked hard and did their best to get us the car we needed. Krystal and Susie we're amazing, friendly, and so great to work with. There was a bit of a snag with another employee, but we weren't working with directly with that person, and working with the others more than made up for any negative feelings I had. All around a great experience. A very clean and professional setting that still makes you feel at home.

    10. buy here pay here Madison dealer review by Mike Michael

      Mike Michael rated Goben Cars

      After visiting multiple dealerships who didn't listen to the specific needs my mother needed. I give 5 stars to Krystal Goben “Krystal the Pistol” at Goben Cars. Krystal is knowledgeable about the inventory and the essentials of each vehicle. Krystal truly cares about the customer and really wants the best car for the customer buying it. Being family owned and operated is to the customer's advantage because it’s a family effort and they can do things corporate dealerships can’t. This is the place and people that go over and beyond to find the right vehicle for you. If you’re looking for a car, ask for “Krystal the Pistol” Goben.

    11. buy here pay here Madison dealer review by Lekshman Natarajan

      Lekshman Natarajan rated Campus Cars

      Bought a Honda Accord from him, the muffler had a hole and was making an awful noise after about 3 weeks of buying. Greg was nice enough to fix it for me for free of cost though he didn't have to! Very nice and friendly people.

    12. buy here pay here Madison dealer review by Daniel Leavenworth

      Daniel Leavenworth rated Campus Cars

      Got a good price on 2001 Toyota Echo with low miles. Came in within a month after buying and Greg tightened a squeaky belt for free. Anyways, I'm quite happy with the whole experience, and I can say that the owner here runs an honest business with some great products.

    13. buy here pay here Madison dealer review by Peter Cummings

      Peter Cummings rated Zimbrick at Fish Hatchery Road

      I Had a used car inspected before purchase and the staff was absolutely fantastic and extremely helpful! They thoroughly inspected the vehicle and gave me a great estimate on cost of maintenance and how much I should offer the seller I will absolutely recommend them to friends and family!

    14. buy here pay here Madison dealer review by Mario Camacho

      Mario Camacho rated Zimbrick at Fish Hatchery Road

      Great place to visit and have your vehicle service, wide variety of new and used cars.

    15. buy here pay here Madison dealer review by Quentin Bell

      Quentin Bell rated Fields Jaguar Land Rover Volvo Madison

      I purchased a pre owned Luxury SUV from Jared S. at Fields. Jared does a good job and is very down to earth. Sean was nice. Brandon B. was also pleasant.

    16. buy here pay here Madison dealer review by Gene Hahn

      Gene Hahn rated Fields Jaguar Land Rover Volvo Madison

      I had a roadside problem, Fields got me the help I needed and a loaner car was ready for me. What a relief. Chris and Sharon, thanks for your amazing service!

    17. buy here pay here Madison dealer review by Judy Fillner

      Judy Fillner rated Russ Darrow Kia of Madison

      Due to personal circumstances, I needed to purchase a car during the middle of a global pandemic! My Sales Representative Cliff Roberts and the staff at Russ Darrow Kia of Madison were kind, courteous and professional. The extra steps taken to ensure the safety of both myself and the Kia staff were above and beyond my expectations. Based on my personal experiences at Russ Darrow Kia of Madison I would definitely recommend them to all my friends and family! Thank You Cliff and the rest of the Russ Darrow family!

    18. buy here pay here Madison dealer review by Jim Johnson

      Jim Johnson rated Russ Darrow Kia of Madison

      I used a coupon for an express oil change and it was done in about 45 - 60 minutes. Asked for an update to a semi synthetic oil but they used conventional oil. No big deal. However, I asked and they provided a complimentary car wash which I appreciated.

    19. buy here pay here Madison dealer review by Tucker James

      Tucker James rated Smart Motors Used Cars

      Austin F. sold me a really sharp used 2014 Toyota Cruz and I couldn’t be more pleased with it! He is an upstanding car seller- no pressure, no bologna, just a nice car at a great deal!! Thank you for all your help! Kind, smart, important! Will def buy my next car here (hopefully it won’t be for awhile tho hehe)

    20. buy here pay here Madison dealer review by Kirk Robinson

      Kirk Robinson rated Smart Motors Used Cars

      I get my Toyota Highlander hybrid serviced here. I can stop in without an appointment and get an oil change, tire rotation, car wash, and safety inspection for $60. Pricey, yes, but the don't try to sell service I don't need and they know their hybrid product. Friendly folks, nice waiting area, even if you have the kids with you.

    21. buy here pay here Madison dealer review by Shaji Mahmood

      Shaji Mahmood rated Smart Budget Cars

      Very nice sales person. He got is through every hoop.

    22. buy here pay here Madison dealer review by Macy Kailing

      Macy Kailing rated Smart Budget Cars

      I would direct anyone looking for a used vehicle to go here. I had an absolutely seemless car buying experience at Smart Budget. Seth was informative without being pushy, and not over-enthusiastically trying to convince to buy the car. He was up front about the condition, price was reasonable, and the team made the entire deal very straightforward for me. Everything was exactly what the car-buying process should be. I am from out of town and needed a car relatively quick. I went it today, checked it out, test drove it, Seth and the team worked out a great financing option (which can be difficult since I permanently reside in a different state), and I drove away with it the same day! So happy I found the vehicle I wanted on their lot. Highly recommend!!!

    23. buy here pay here Madison dealer review by Rylie Smith

      Rylie Smith rated Mad City Mitsubishi

      I'm leaving for a trip in 2 weeks and I was checking my transmission fluid level to make sure it was all good and ready for a drive and noticed it was low, I called the dealership and they said they had an opening at 5pm that day and they would get me in to check it out. The service was very fast and efficient. Seth was super friendly and clear in discussing everything that needed to be fixed or was of concern. Definitely will be coming back for my regular services!

    24. buy here pay here Madison dealer review by David Yanke

      David Yanke rated Mad City Mitsubishi

      Michael rocks! He was the most fun, energetic , funny, easy going salesman i have ever met. He explained everything to a T and made the car buying process 100% painless

    25. buy here pay here Madison dealer review by Kate Phelps

      Kate Phelps rated CarMax

      We were making our foray into purchasing a car from a dealership and we had heard great things about CarMax and the options for both new and used vehicles. We worked with Joe at the Odana Rd. location and he was fantastic. He showed us what we were looking for and let us walk the lot by ourselves, which was great to not feel pressure, but he made himself available to us to answer any questions. He was honest, straightforward, friendly, and made us feel welcome and like this didn't need to be a confusing or difficult experience. We were very pleased and we got a great car! Thank you Joe! Will definitely recommend to others!

    26. buy here pay here Madison dealer review by Dan Tadysak

      Dan Tadysak rated CarMax

      Excellent sales and customer service. Great price, shipped from 200 miles no change. Went in at 8pm left at 9pm all done, license plates on registered with DMV you name it. Next day I got an email with all the info to connect my account to the GM warranty from Carmax, what could be better. Excellent!!!!

    27. buy here pay here Madison dealer review by Gary Gygax

      Gary Gygax rated Capital Auto Clinic

      I had a really great experience here! Had to find a car quickly before moving and these guys helped me find a great car in my budget. I’ve been driving back and forth from Minnesota and the car has been perfect so far!

    28. buy here pay here Madison dealer review by Bob Graves

      Bob Graves rated Capital Auto Clinic

      Nice place to buy a used car!!!

    29. buy here pay here Madison dealer review by Lana Jean

      Lana Jean rated Steve’s Auto Sales of Madison E. Wash

      I have to share my excitement and gratitude to Steve at Steve's Auto Sales! His integrity, professionalism and diligent efforts to aid and assist me with my personal needs and situation is simply REMARKABLE! With my being a single mother, recent widow and new to the Madison area, Steve's personal service, genuine care and concern is something I will be forever grateful for. Hear me peoples when I say, this place is UNBELIEVABLE and a must go to for your auto needs. I just got a beautiful clean, economical Ford Focus at an EXCELLENT price. I am so very very grateful to you Steve for all that you are! With much respect, Lana Jean Isbell

    30. buy here pay here Madison dealer review by Kelly Roberts-Schmidt

      Kelly Roberts-Schmidt rated Steve’s Auto Sales of Madison E. Wash

      Steve was wonderful. He was nice, helpful and willing to work with us. I bought a 2006 Toyota Sienna he let me take it to my own mechanic for inspection and my mechanic couldn't believe how good of shape the van was in.

    31. buy here pay here Madison dealer review by Tim Eastlick

      Tim Eastlick rated MSI Auto Sales

      We arrived at MSI to look at one vehicle, and a different one caught our eye. Rahman set us up with a test drive and we loved the car. He was very personable and easy to work with. We felt that we purchased a quality car at a reasonable price. The young lady that we finalized our deal with was outstanding. Thank you for a quality purchasing experience.

    32. buy here pay here Madison dealer review by Derek Dreke

      Derek Dreke rated MSI Auto Sales

      Great spot cool cars and actually nice people as salesman. Went to help my Friend and was totally blown out if the water by how cool those guys are and the sweet vehicles they had laying around. It's nice to see they have a bit of everything. Looking forward to maybe doing business with them in the future

    33. buy here pay here Madison dealer review by Isaac Schulze

      Isaac Schulze rated Schoepp Motors East


    34. buy here pay here Madison dealer review by Alexi Arneson

      Alexi Arneson rated Schoepp Motors East

      Leaf was great! She knew so much about cars and taught us a lot! She was so easy and fun to talk to and wasn’t pushy and awkward like a lot of car sales people we have worked with in the past! She made our experience amazing and we felt as if she cared and wanted us to get the best car for our needs! Everyone, try to get her to help you buy and look at cars if you can! Thank you!

    35. buy here pay here Madison dealer review by Jared Steffen

      Jared Steffen rated Capitol Auto Credit

      I came here for a car but ended up making out with Adam the entire time. Great kisser. Would recommend to anyone who likes a guy with facial hair and lint in their belly button.

    36. buy here pay here Madison dealer review by Dan Hunter

      Dan Hunter rated Capitol Auto Credit

      This place is AWESOME. I had no credit, they gave me a chance, yes the interest is high. After perfectly paying 3 year I have a good credit score. I refinanced the car at a lower interest rate. Thanks to this excellent place for giving people like me a chance.

    BHPH Madison WI dealer

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