Top 17 Buy Here Pay Here Dealers in Manchester NH

Looking for a used car dealer in Manchester NH but your credit is in bad shape?

Connect with top 17 buy here pay here Manchester NH car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Manchester'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 Manchester NH

  • Merchants Auto, NH

  • Bob & Sons Automotive Inc, NH

  • Ataboys Auto Sales & Service, NH

  • Werner Mazda, NH

  • Tulley BMW of Manchester, NH

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

  • MOMS Manchester, NH

  • Team Nissan Manchester NH, NH

  • AutoFair Ford in Manchester, NH

  • Family Certified Motors, NH

  • CarMax, NH

  • Did you know? These BHPH Manchester NH 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 Manchester 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.

  • Comet Auto Sales, NH

  • Second Street Auto, NH

  • Kane’s Auto Sales & Service, NH

  • Real Deal Auto In Manchester Nh, NH

  • Second Chance Auto Sales & Buy Here Pay Here Finance, NH

  • The phrase buy here pay here Manchester NH 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. Manchester 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.

  • Valley Street Auto Sales, NH

  • Merrow Wholesale Auto Inc, NH

  • Why buy here pay here Manchester NH 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 Manchester NH 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 Manchester NH 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 Manchester NH Works

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

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

    The buy here pay here Manchester NH 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 Manchester NH 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 Manchester NH 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 Manchester NH

    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 Manchester NH

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

    While buy here pay here Manchester NH 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 Manchester NH 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.

    Manchester NH buy here pay here Reviews

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

    1. buy here pay here Manchester dealer review by Becca Mangold

      Becca Mangold rated Merchants Auto

      ABSOLUTELY AMAZING. Being a single mom with toddlers and having never financed a car before... They were so warm and welcoming (even towards my 1 & 2yrs old who were having MELTDOWNS) lol. They were patient and understanding. They went above and beyond to help me. Not only were they incredibly kind and made me feel 100% comfortable they were honest. No last minute blindsides or trying to take advantage of a young naive single mom. I know so many people who have unfortunately had negative experiences like that at other places and I’m so happy to say this was NOT the case with them. They were exceptional. Highly recommend Merchants Auto in Hooksett NH.

    2. buy here pay here Manchester dealer review by travis howard

      travis howard rated Merchants Auto

      Great dealership and over the top service. I have less than perfect credit and went in looking for a jeep wrangler and not willing to settle for anything less than that or a truck. And to my surprise they made it happen i am the proud new owner of a jeep wrangler with a very reasonable interest rate considering my credit. Ask for Richard Roy and tell him Travis sent you, he is a great sales person and will do anything he can to help you out. Thank you so much Richard and the merchants auto team great job.

    3. buy here pay here Manchester dealer review by Tony Kinsley

      Tony Kinsley rated Bob & Sons Automotive Inc

      Great service! My car runs like new now! I am so glad I found this place. They are great, very friendly and very reasonably priced. I would recommend them to anybody, without hesitation.

    4. buy here pay here Manchester dealer review by Jennifer Theriault

      Jennifer Theriault rated Bob & Sons Automotive Inc

      These guys are great, they update you with pictures via text/email while they fix your car which I’ve never seen done before. Friendly and professional, and thorough in explaining things to you. Prices are competitive. We’ll be taking our vehicles here from now on.

    5. buy here pay here Manchester dealer review by Connie Jo Lawson

      Connie Jo Lawson rated Ataboys Auto Sales & Service

      Got me in right away without an appointment, they're super duper nice, they did a great job and they were super fast ?

    6. buy here pay here Manchester dealer review by rabih bou chaaya

      rabih bou chaaya rated Ataboys Auto Sales & Service

      Outstanding service!! Honest and very helpful! Thank you Alain

    7. buy here pay here Manchester dealer review by Craig Randall

      Craig Randall rated Werner Mazda

      Just wanted to send a sincere thank you to Werner Mazda for their amazing service! I'm currently working on the front lines of the current pandemic and this dealership provided a free oil change and car cleaning. Thank you Werner Mazda-Your service team was SO nice! It's acts of kindness and community support like this that really make a difference!

    8. buy here pay here Manchester dealer review by Michael Denney

      Michael Denney rated Werner Mazda

      Everyone there did a fine job. They worked together as a professional team. It was the most pleasant buying experience that I ever had buying a car. The people who prepped the car paid attention to every detail. Ken was very kind and respectful while preparing the documents. Rich Hammond and Cameron were so helpful, honest, and easy to talk with. I will always give a recommendation to do business with Werner.

    9. buy here pay here Manchester dealer review by Joseph Shanks

      Joseph Shanks rated Tulley BMW of Manchester

      I bought an X1 at Tulley BMW of Manchester and I couldn't be happier with the experience that I had there. The salesman Dan Cody mad the whole experience pressure free and is very knowledgeable about what he is selling. I will Definitely buy another car from them in the future.

    10. buy here pay here Manchester dealer review by Jenn O'Brien

      Jenn O'Brien rated Tulley BMW of Manchester

      My BMW had a flat tire and I needed assistance fast and all of the associates at Tulley BMW of Manchester handled my situation with ease, especially Michael from parts and Victor in the service department. They both were extremely knowledgeable and put my worries at ease. I appreciate the fantastic customer service. On Christmas Eve, they were able to answer all of my questions and take care of my problem. Thank you so much, I will definitely be back to work with you again!

    11. buy here pay here Manchester dealer review by Cameron

      Cameron rated MOMS Manchester

      I have been going here for about 3 years now and I would say this is honestly the best place for service, parts and to buy your first motorcycle, bought My Second one from here couple months back Everyone in there is super nice respectful and I feel like every time I go in there I get treated with respect Greg, Paul, Rob, and the rest of the finance crew along with parts and service department are wonderful to work with I will be going here for as long as they are open Thank you all again ! Keep up the good work! A+

    12. buy here pay here Manchester dealer review by Christina Levitan

      Christina Levitan rated MOMS Manchester

      Great place! What better way to spend Father's Day than shopping for motorcycle gear!? We were on the hunt for saddle bags and some new gloves. We found everything we needed without issue. The staff was polite and helpful. Very cozy home feel in their show room. Afterwards, we went upstairs to check out their preowned motorcycles. Surely excited for future visits!

    13. buy here pay here Manchester dealer review by B Swiger

      B Swiger rated Team Nissan Manchester NH

      We love our new 2020 Rogue! It has all options we asked for plus the added surprise of Remote Starting that we didn't realize we'd like so much. Our sales consultant, Dylan B, helped get us in to the just-right car for our family. This Rogue is so easy to drive, very smooth on the road, comfortable inside, and it is beautiful.

    14. buy here pay here Manchester dealer review by Bob DiMattia

      Bob DiMattia rated Team Nissan Manchester NH

      I have been buying cars for over 15 years from Team Nissan. Rob Miller, Jim Pitka and Peter Gaouette all provided outstanding customer service through the entire purchasing process. I strongly recommend Team Nissan for your next vehicle purchase. I know I will continue to buy my future vehicles from Team Nissan.

    15. buy here pay here Manchester dealer review by lori belanger

      lori belanger rated AutoFair Ford in Manchester

      From beginning of sales transaction and beyond, all staff at Autofair Ford in Manchester are always very professional and accommodating! I returned for service this week and the Service Dept ROCKS! Jerome B ordered the part I needed and it was in very next day! Very convenient and service done within the hour. They also cleaned my car from top to bottom before and after servicing it. Very satisfied ?? ?? ?? ?? ??

    16. buy here pay here Manchester dealer review by John Ward

      John Ward rated AutoFair Ford in Manchester

      Great experience with a friendly staff and best selection of vehicles in NH!

    17. buy here pay here Manchester dealer review by Robert Andersen

      Robert Andersen rated Family Certified Motors

      I was looking for a used Prius, which can be tricky because the battery may need servicing. Family Certified Motors had one at a really great price, $500 lower than any comps, and they said the battery was in good shape. When I went to test drive it, they didn't hold me hostage at the negotiating table. I showed up with the money a few days later and it's been 3 months now. I'm very happy :)

    18. buy here pay here Manchester dealer review by Donna Peirce

      Donna Peirce rated Family Certified Motors

      Very satisfied with the how easy it was to buy this 06 Mustang from Edward last week. Had a problem trying to register the car but Ed was able to email the paper work to my town hall and fixed the issue within 5 minutes! ! Love my new car and definitely recommend this dealership if your looking for a used car.

    19. buy here pay here Manchester dealer review by Matt Whitlock

      Matt Whitlock rated CarMax

      CarMax offered me more for my old car than I thought it was worth. I bought a truck from them a month ago that has been working beautifully. Their facility in Manchester is immaculate, and the staff are pleasant. I'd recommend CarMax to anyone looking to get top dollar for their trade-in without any hassle.

    20. buy here pay here Manchester dealer review by Wayne Haggie

      Wayne Haggie rated CarMax

      First of all this was by far the best experience I have ever had. The process was lengthy but simple, the truck we wanted was in mass and they transported to NH for us. Tyler was awesome friendly and courteous.. thank you guys for all the help

    21. buy here pay here Manchester dealer review by Barbara Oliveira

      Barbara Oliveira rated Comet Auto Sales

      This place is awesome. My son bought his car here back in Dec and they were very nice, laid back and made you feel like family. We have been back since then and till this day the feeling is the same. Jimmy is a great salesman as he knows we are in search for at I am searching for a car for myself and not only does he tries to give you good deals, he lets you test drive them so freely and is very honest. I truly wish I could settle for a car in his lot but in the meantime, I cant pass up on writing a great review for this place as they value your business and treat you like family , they are awesome!

    22. buy here pay here Manchester dealer review by White Wolf

      White Wolf rated Comet Auto Sales

      I've purchased three vehicles from Comet Auto. Great people to do business with!

    23. buy here pay here Manchester dealer review by Lance Skates

      Lance Skates rated Second Street Auto

      Thank you Matt for a great Impreza for my 17 year old daughter!!!! She is in love and the wife and I feel good its a solid car! Also, Thank Pat at Midas for referring us to you!

    24. buy here pay here Manchester dealer review by Stacey Walsh

      Stacey Walsh rated Second Street Auto

      Matt you are the best of the best, thank you for another great car!!! Always a gentleman!

    25. buy here pay here Manchester dealer review by X X

      X X rated Kane’s Auto Sales & Service

      I had a great opportunity to purchase a truck as my secondary vehicle for my weekend activities: Dogs, dirt bikes, and the dump. I shopped around for a few weeks and eventually saw the 09 Sierra the Kane’s had online. I went in the next day and met with Shaun, drove the truck around, did my look-over, and we were able to settle on a price right then and there and I picked the truck up a few days later. Entire staff was very easy-going, no pressure, no bs. Couldn’t have asked for a more straightforward and easy team to work with. They understood what I wanted and what I needed it for. They didn’t try to up sell me to something newer which I very much appreciated, because a truck that’s gonna be for bringing dogs to the park, dirt bikes to the trails, and trash to the dump, doesn’t need to be pretty with all the bells and whistles. Very happy with my purchase and the entire team that assisted me along the way. Thanks guys!!

    26. buy here pay here Manchester dealer review by Roger Forand

      Roger Forand rated Kane’s Auto Sales & Service

      Awesome selections of vehicles SUV, pickups sedans all makes.

    27. buy here pay here Manchester dealer review by Nicole Laraway

      Nicole Laraway rated Real Deal Auto In Manchester Nh

      Love this place ! Got my Lexus from here in 2018 and got my Mazda a few months ago . I will never go anywhere else for a car .

    28. buy here pay here Manchester dealer review by Stephen Blanchette

      Stephen Blanchette rated Real Deal Auto In Manchester Nh

      Real deal auto IS THE REAL DEAL ?% my wife and I had gone in to look at a few cars and she was so happy with everything. As for me I don't trust many car places but I sure do trust them. Very honest and will not tell you a story about a car they tell you what you need to know. Was an awesome experience working with them.

    29. buy here pay here Manchester dealer review by Taylor Bell

      Taylor Bell rated Second Chance Auto Sales & Buy Here Pay Here Finance

      Bought my first car today from Scott. Couldn’t have had a better or easier experience! I feel like I got a fantastic deal. Thanks so much Scott!!!!

    30. buy here pay here Manchester dealer review by ron hall

      ron hall rated Second Chance Auto Sales & Buy Here Pay Here Finance

      The next time you're looking for a new to you car, I highly recommend stopping by second chance auto in Derry, Nh. Great staff,phenomenal inventory and conveniently located. I will definitely be a repeat customer!

    31. buy here pay here Manchester dealer review by Tom Rearick

      Tom Rearick rated Valley Street Auto Sales

      Has a great inventory of old and new. Very knowledgeable, worth your effort to talk to Al. saved my sister thousands on repairs to her BMW years after her purchase.

    32. buy here pay here Manchester dealer review by Anthony Lockwood

      Anthony Lockwood rated Valley Street Auto Sales

      I purchases a truck off Al and I couldn't be more pleased. I found his dealership to have a great selection of quality trucks. I looked at three really clean trucks before I chose my 2011 Silverado. It's been trouble free for over a year now. He was very transparent and straight forward. If you want a no BS experience. Give these guys a look.

    33. buy here pay here Manchester dealer review by Jody Swett

      Jody Swett rated Merrow Wholesale Auto Inc

      Bought a 2006 Chevy Silverado 1500. Truck is in excellent condition with VERY low miles for the year. The staff and owner are exceptional! Very respectful and honest. A very hard trait to find in today’s times. I am one satisfied customer. I would absolutely do business with them again and I HIGHLY recommend them for any and all services pertaining to vehicles.

    34. buy here pay here Manchester dealer review by Cait Knee

      Cait Knee rated Merrow Wholesale Auto Inc

      Took only about 30 minutes. Very quick and courteous when buying a car

    BHPH Manchester NH dealer

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