Top 16 Buy Here Pay Here Dealers in McAllen TX

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

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

  • The Car Store, TX

  • Rodriquez Auto Sales, TX

  • McAllen Auto Sales, LLC – North McAllen Branch, TX

  • Dos Primos Auto Sales, TX

  • Trevinos Auto Mart, TX

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

  • McAllen Auto Sales, LLC – South McAllen Branch, TX

  • Marvel Deals, LLC, TX

  • Road Runner Motors & Auto Transport, TX

  • Auto Credit, TX

  • Ramos Auto Sales, TX

  • Did you know? These BHPH McAllen 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 McAllen 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.

  • J P Motors, TX

  • Linares Auto Center, TX

  • E-Z MOTORS, TX

  • A & V Motors, TX

  • Tisdale Motor Co, TX

  • The phrase buy here pay here McAllen TX 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. McAllen 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.

  • R T Sparks Autos Inc, TX

  • Why buy here pay here McAllen 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 McAllen 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 McAllen 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 McAllen TX Works

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

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

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

    While buy here pay here McAllen 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 McAllen 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.

    McAllen TX buy here pay here Reviews

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

    1. buy here pay here McAllen dealer review by Martin Schoen

      Martin Schoen rated The Car Store

      Bought a car here a while back. Excellent customer service.

    2. buy here pay here McAllen dealer review by david concepcion

      david concepcion rated The Car Store

      Honest hard working people willing to work with anybody as long as youre honest too. More than satisfying customer service.

    3. buy here pay here McAllen dealer review by Jesus Zuniga

      Jesus Zuniga rated Rodriquez Auto Sales

      Great place to buy a good used car with easy financing.

    4. buy here pay here McAllen dealer review by Fer Davila

      Fer Davila rated Rodriquez Auto Sales

      Good treatment to visitors

    5. buy here pay here McAllen dealer review by Valerie Arias

      Valerie Arias rated McAllen Auto Sales, LLC – North McAllen Branch

      BEST place to get a car, we left with smiles on our faces! Great deals and friendly staff who will work with you on purchasing your perfect car. Frank was awesome!

    6. buy here pay here McAllen dealer review by George Cisneros

      George Cisneros rated McAllen Auto Sales, LLC – North McAllen Branch

      Juan was a great help In purchasing my new vehicle highly recommended!

    7. buy here pay here McAllen dealer review by Hugo Naritropolis

      Hugo Naritropolis rated Dos Primos Auto Sales

      Buy Here Pay Here !! No credit no problem!!

    8. buy here pay here McAllen dealer review by Rebecca Hernandez

      Rebecca Hernandez rated Dos Primos Auto Sales

      The lady Guadalupe is very forward no BS

    9. buy here pay here McAllen dealer review by Mary Reyes

      Mary Reyes rated Trevinos Auto Mart

      Trevino’s has amazing customer service. In about 1.5 hours my husband had his truck. When we have gone to large dealerships the process takes so long. They have a good selection of vehicles for being a smaller car dealer. Highly recommend this place.

    10. buy here pay here McAllen dealer review by Michael P. Bostic

      Michael P. Bostic rated Trevinos Auto Mart

      I recently bought a new truck from these guys. Mike and Raphael where consummate professionals. Trevinos is a second-generation family-owned business - just the kind of business I like to support! I couldn't have asked for a better experience and would definitely buy here again. Thanks guys!

    11. buy here pay here McAllen dealer review by Ricky Galan

      Ricky Galan rated McAllen Auto Sales, LLC – South McAllen Branch

      Had a good buy with Reynaldo he was very helpful and got a good car really happy and recommended there service

    12. buy here pay here McAllen dealer review by Hilda Ybarra

      Hilda Ybarra rated McAllen Auto Sales, LLC – South McAllen Branch

      Great place to get a good used vehicle. Good prices. Attentive staff

    13. buy here pay here McAllen dealer review by Carl Simons

      Carl Simons rated Marvel Deals, LLC

      I rarely ever give 5 Stars but this was well worth it. I worked with Alex and he was tremendous in spending the necessary time to get me exactly what I needed. I purchased a 2013 Chevy Malibu 4 door and can't be more pleased with my purchase. The service was excellent by all parties involved. I highly recommend Marvel and will make another purchase soon for my daughter who needs a car. I like to continue doing business and working with people I like. I liked my experience here at Marvel.

    14. buy here pay here McAllen dealer review by Daniel Jacobs

      Daniel Jacobs rated Marvel Deals, LLC

      Just wanted to say these guys were amazing! They got me financed with a great looking car at a great price when nobody else would help me. It’s nice to know there are still reputable people in the car business that will go that extra mile for their customers. I truly feel blessed. Thanks again to Leo and Chewy for helping me out!

    15. buy here pay here McAllen dealer review by Coma White

      Coma White rated Road Runner Motors & Auto Transport

      Great lot, with a GREAT deal on a truck this morning! Oh, and sorry to the husband and wife that came as I was signing the paperwork. You're right sir, if your wife hadn't insisted on iHop FIRST, this beauty would be yours right now.

    16. buy here pay here McAllen dealer review by Peter Castillo

      Peter Castillo rated Road Runner Motors & Auto Transport

      Awesome place to buy a vehicle Hector made it very easy.??

    17. buy here pay here McAllen dealer review by Carina N Rolly Martinez

      Carina N Rolly Martinez rated Auto Credit

      Need work but good prices for alright cars

    18. buy here pay here McAllen dealer review by Perla Gonzalez

      Perla Gonzalez rated Auto Credit

      Great ? place !!!!/got a nice truck. Thx lalo.??????..

    19. buy here pay here McAllen dealer review by Adela R Martinez

      Adela R Martinez rated Ramos Auto Sales

      Just bought my 2nd car from here ... The 1st was amazing, no issues other maintenance, the 2nd is equally awesome, so issues... the staff is amazing and will work with you...

    20. buy here pay here McAllen dealer review by Gulmaro Salinas

      Gulmaro Salinas rated Ramos Auto Sales

      I purchased my first vehicle at Ramos Auto Sales. The whole process was smooth and the staff was friendly and helpful. Just great Customer Service all around. I am glad I made my first purchase here as throughout the time I owned the car I never had any issues. Routine maintenance was all that was needed and they were of great help with that too. Overall, I am super satisfied with the car purchase and the friendliness of the staff. I definitely recommend going here and would buy again.

    21. buy here pay here McAllen dealer review by Yoli Osorio

      Yoli Osorio rated J P Motors

      My overall experience was awesome. They were quite patient in attending my needs and my 1001 questions. ? They go out of there way to make you feel comfortable with your purchase. I highly recommend JP Motors if you want courteous and friendly help. I personally would purchase from them again. ??? to Jose Luis and Hugo, thank you so much for your service.

    22. buy here pay here McAllen dealer review by Jesus De La Cruz

      Jesus De La Cruz rated J P Motors

      I totally recommend this place??? ... i bought my car here like 2 years ago and my car hasn't even mess up at all,... my brother also bought his car here like about a year ago and everything is goin perfect with it, plus they have a friendly staff... Don hugo is always so nice ,kind and helpful as same as the owner??????? 5 estrellas muy bien ganadas??

    23. buy here pay here McAllen dealer review by Christopher Cahill

      Christopher Cahill rated Linares Auto Center

      Thanks to Daniel Ordaz and everyone as a “team” on getting me a vehicle to drive off. Awesome friendly customer service. Recommended.

    24. buy here pay here McAllen dealer review by Christopher Lee Garza

      Christopher Lee Garza rated Linares Auto Center

      Great experience at Linares Bruno was an awesome salesman really helped us out with getting a 2015 Chevy Colorado Z71

    25. buy here pay here McAllen dealer review by B B

      B B rated E-Z MOTORS

      Excelente trato

    26. buy here pay here McAllen dealer review by Armando Contreras

      Armando Contreras rated E-Z MOTORS

    27. buy here pay here McAllen dealer review by Aaron Martinez

      Aaron Martinez rated A & V Motors

      Very nice facility with tons of beautiful cars!

    28. buy here pay here McAllen dealer review by Ruth Cardenas

      Ruth Cardenas rated A & V Motors

      Nice csrs

    29. buy here pay here McAllen dealer review by Tim Jones

      Tim Jones rated Tisdale Motor Co

      Good guys even better service

    30. buy here pay here McAllen dealer review by Art Sus

      Art Sus rated Tisdale Motor Co

      Great service, great prices, and great vehicles. It's a must see to believe.

    31. buy here pay here McAllen dealer review by gary Kintigh

      gary Kintigh rated R T Sparks Autos Inc

      Very friendly service

    BHPH McAllen TX dealer

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