Top 20 Buy Here Pay Here Dealers in Memphis TN

Looking for a used car dealer in Memphis TN but your credit is in bad shape?

Connect with top 20 buy here pay here Memphis TN car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Memphis'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 Memphis TN

  • DriveTime Used Cars, TN

  • DriveTime Used Cars, TN

  • Ride-Rite Memphis, TN

  • Super Wheels-n-Deals, TN

  • CARite of Memphis, TN

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

  • All Approved Auto, TN

  • Thomas Street Motors, TN

  • Byrider Memphis, TN

  • Sam’s Auto Town, TN

  • Impala Motors, TN

  • Did you know? These BHPH Memphis TN 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 Memphis 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.

  • Rogers Used Cars, TN

  • It’s All Good Auto Sales, TN

  • Mt. Moriah Auto Sales, TN

  • American Car Center – Elvis Presley Blvd – Memphis, TN, TN

  • East Memphis Auto Center LLC, TN

  • The phrase buy here pay here Memphis TN 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. Memphis 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.

  • Victory Auto Sales, TN

  • AutoMax of Memphis, TN

  • J R’s Auto Sales, TN

  • Wholesale Unlimited, TN

  • No Worries Automotive, TN

  • Why buy here pay here Memphis TN 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 Memphis TN 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 Memphis TN 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 Memphis TN Works

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

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

    The buy here pay here Memphis TN 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 Memphis TN 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 Memphis TN 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 Memphis TN

    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 Memphis TN

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

    While buy here pay here Memphis TN 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 Memphis TN 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.

    Memphis TN buy here pay here Reviews

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

    1. buy here pay here Memphis dealer review by Wesley Turnipseed

      Wesley Turnipseed rated DriveTime Used Cars

      Amazing staff and great vehicles especially for people who don’t have the greatest credit. Christopher Cunningham was a great salesman and conducted business in a professional manner. All in all great experience.

    2. buy here pay here Memphis dealer review by Crystal Barentine

      Crystal Barentine rated DriveTime Used Cars

      Lydia Brown was the best ever! Thank you so much for everything you done for us! We love it!

    3. buy here pay here Memphis dealer review by jude umoh

      jude umoh rated DriveTime Used Cars

      Straightforward and courteous. The car I got had a bad battery though. But they replaced it with a new one the next day, no questions asked. They are good people!

    4. buy here pay here Memphis dealer review by Steven Clark

      Steven Clark rated DriveTime Used Cars

      Love the new car I just purchased from drive time.

    5. buy here pay here Memphis dealer review by Tabitha Myers

      Tabitha Myers rated Ride-Rite Memphis

      I want to give an HONEST rating about this car dealership. I went in about 3 weeks ago with a budget. I did not expect to buy a car. I just wanted to check it out and see what I could find in my area. I am a single mother doing the absolute best I can right now. Well when I went in I spoke with the salesman Jamie. He told me about a 2017 and a 2011 that I qualified for. I told him I did not want a car payment because of my situation and he told me about a 2008 Chevrolet Trailblazer they had on the lot. I told him I'd like to see it and test drive it. He rode with me during the test drive, showed me a few features about the car and then we headed back to the lot. Chris the owner was doing all of my paperwork and getting me set up to take this baby home. After all the paperwork I was going to use my credit card to pay. It got declined! The owner told me I could call and see what was going on and he would be patient with me. I spoke with my card holders company and they told me the only way I could get the money is if I went to the bank and withdraw it. I told the owner I walked to the company and had no way to pick up the money. He said I could take the car I test drove to pick up the money. Which was very nice of him to do. I went to the bank and withdrew the money and headed back. Jamie was extremely helpful. Everyone was in good spirits and they genuinely care about their customers. They could have turned me away but instead they worked out an outstanding deal with me and also made me feel comfortable with my purchase. Chris got my tags for me and even put them on for me. They are so nice and helpful. So far everything is good with my car. I'm loving it. This is an extremely humble company and I will definitely be buying from them again. Thank you so much Chris and Jamie for all of your help!

    6. buy here pay here Memphis dealer review by Tekora Poplar

      Tekora Poplar rated Ride-Rite Memphis

      I had a wonderful experience with Ride-Rite. The process was so easy and quick. Bob, Jamie, & Chris were spectacular. Everyone was so helpful & nice. I highly recommend Ride-Rite to anyone looking for a vehicle.

    7. buy here pay here Memphis dealer review by Petra Stewart

      Petra Stewart rated Super Wheels-n-Deals

      The staff is amazing! They were very welcoming. Kjay went over and beyond for me and my vehicle! Thanks to you all - you all are awesome

    8. buy here pay here Memphis dealer review by Veevee Silverfire

      Veevee Silverfire rated Super Wheels-n-Deals

      Great place yo buy. Your new wheels. Tell them the Galloways sent you. They will help you out. Friendly people. In house financing. Stop in the day and tell him Galloway sent you

    9. buy here pay here Memphis dealer review by Shaun Doss

      Shaun Doss rated CARite of Memphis

      Nicole & Jasmine were exceptional in helping me through the process of buying my new vehicle and trading in my old vehicle. We got into a few road bumps but in the end, they gave me more than what I though i would get at another dealership for my used car. Highly recommend buying from them, also, I normally don’t do Google reviews but this place is worth it.

    10. buy here pay here Memphis dealer review by Jerome Robinson

      Jerome Robinson rated CARite of Memphis

      Buying a car has never been this easy and pleasant. The entire concept is devoted to providing you with an amazing car in an amazing car buying experience! Nothing about this experience was hard. Even after the deal service is amazing. They also believe strongly in giving back to the community. These guys know what it means to go for the Win/Win

    11. buy here pay here Memphis dealer review by Candace Davenport

      Candace Davenport rated All Approved Auto

      The sales team at All Approved, Jenna, Ellen, and Matt, were all incredibly genuine and helped me get into a very nice car. There was a minor fix that needed to happen to my car and Matt took care of it before I could blink! I would recommend them and will definitely come back in the future.

    12. buy here pay here Memphis dealer review by Liljuixe#1Fan !

      Liljuixe#1Fan ! rated All Approved Auto

      Mike and his team were great! They didn’t give up until we were able to leave with a car great deal great customer service

    13. buy here pay here Memphis dealer review by Kenneth Somerville

      Kenneth Somerville rated Thomas Street Motors

      Purchased my daughter a car

    14. buy here pay here Memphis dealer review by R C

      R C rated Thomas Street Motors

      I love Mr Milton and his staff. Everyone is always friendly and helpful. Easy process, fast approval, great rates, and layaway available.

    15. buy here pay here Memphis dealer review by Cornell Thorn

      Cornell Thorn rated Byrider Memphis

      Keisha is friendliest sales person I've ever met. She has A1 customer service

    16. buy here pay here Memphis dealer review by Yaqueshia Hall

      Yaqueshia Hall rated Byrider Memphis

      Everyone was very friendly and helpful,Stanley got me approved quick and took care of all of my concerns about the vehicle

    17. buy here pay here Memphis dealer review by lynn johnson

      lynn johnson rated Sam’s Auto Town

      Everyone was extremely helpful and pleasant. I got an awesome car and they really put me at ease. Thank you Sam’s Auto Town!? I strongly recommend a visit here if you’re looking for a great car, honest and friendly staff and reasonable pricing.

    18. buy here pay here Memphis dealer review by Gregg Bowers

      Gregg Bowers rated Sam’s Auto Town

      See Richard. You won't regret it

    19. buy here pay here Memphis dealer review by Mike L

      Mike L rated Impala Motors

      Honest and forward about each car.

    20. buy here pay here Memphis dealer review by Ora Burns

      Ora Burns rated Impala Motors

      I love my automobile I love the price only thing is they will not let you pay once a month unless you pay a extra two to three weeks otherwise great

    21. buy here pay here Memphis dealer review by Cali Smurf

      Cali Smurf rated Rogers Used Cars

      The staff here are wonderful with affordable prices....thanx Rogers used cars for everything

    22. buy here pay here Memphis dealer review by Summer Breeze

      Summer Breeze rated Rogers Used Cars

      Good people here..Ms Shirley will definitely get you taken care of.

    23. buy here pay here Memphis dealer review by Errika Scott

      Errika Scott rated It’s All Good Auto Sales

      I have had no problems with my Honda Civic ive been paying for. I put down and walked away with a 98 honda and they work with ypu.

    24. buy here pay here Memphis dealer review by felicia seals

      felicia seals rated It’s All Good Auto Sales

      TwinTha CarDoctor rocks ?

    25. buy here pay here Memphis dealer review by Tina Beal

      Tina Beal rated Mt. Moriah Auto Sales

      We had been riding out all day looking for a cash car for my daughter. Just got lucky riding by the lot of Mt. Moriah Auto Sales. Very nice people. Easy to work with. Ben Stewart is awesome. Got to meet the owner, Tim Pomp, who was super easy to work with as well. We purchased a cash car, but they finance as well. Not only do they have cash cars, but high end, and what I like to call "regular" vehicles as well. NICE cars I might add. If your looking for a good deal give Mt. Moriah Auto Sales a try. Ask for Ben Stewart.

    26. buy here pay here Memphis dealer review by Jon Adam

      Jon Adam rated Mt. Moriah Auto Sales

      I went up here to take a look at there huge selection of diesel trucks after looking at many other car lots in Memphis. I found the perfect one and Ray Parker took great care of me test drove it on break and got financed through out the day. Due to work taking alot of time I came by after work the next and he had everything ready for me. They have the biggest selection of trucks to fit any needs of yours.

    27. buy here pay here Memphis dealer review by Natalie Rogers

      Natalie Rogers rated American Car Center – Elvis Presley Blvd – Memphis, TN

      Me and My husband had a wonderful sales experience with a sales lady Named Johny she was amazing. We got a 2017 dodge journey and we love it. Thanks American car center ?

    28. buy here pay here Memphis dealer review by Deonna Buckner

      Deonna Buckner rated American Car Center – Elvis Presley Blvd – Memphis, TN

      Laveshia Williams was an excellent representative for me also she greeted me outside upon my arrival with a great big smile!!!I love her personality and her communication skills were everything I would definitely refer her to anyone I know that is looking for transportation.

    29. buy here pay here Memphis dealer review by Pete Britain

      Pete Britain rated East Memphis Auto Center LLC

      If you are looking for the real truth then go see them. The best service I have ever had sense 1997 with bying a car. Ask for TY

    30. buy here pay here Memphis dealer review by Mitch Ferrell

      Mitch Ferrell rated East Memphis Auto Center LLC

      Great Sales Associates

    31. buy here pay here Memphis dealer review by Vana'diel Windurst

      Vana'diel Windurst rated Victory Auto Sales

      I’ve been dealing with Victory Auto for years and years and multiple vehicles purchased from them. I couldn’t ask for a more fair and honest company to do business with. It really is a relationship you build with them, especially if you go with their in house financing. They are very professional but equally down to earth team and I recommend anyone to them. Last but certainly not least, they always have a great selection! P.S. Ms. Tasha is AMAZING! Very organized and thorough and I have very much enjoyed doing business with her every time I make a payment! Thank you to the team at Victory Auto for everything.

    32. buy here pay here Memphis dealer review by Adrianne Thetford

      Adrianne Thetford rated Victory Auto Sales

      I bought a 2012 Rav 4 from Victory and I can safely say it was one of the most enjoyable experiences I've ever had dealing with used car lots. Everyone there was helpful and professional. I couldn't be happier. The SUV I bought was making a noise and they had me quickly bring it in and they fixed it with no problem. I highly recommend these guys if you are looking for a used vehicle. I'm a customer for life.

    33. buy here pay here Memphis dealer review by christi  gargus

      christi gargus rated AutoMax of Memphis

      Great place to buy from!!! We went in at closing on wednesday night. Darrell met us at the door. Very nice man!. We told him what we were looking for and our price range. He took all the information down. Called us the next morning. He found exactly what we ask for. Had it on the lot at 1:00. We loved it. Ran our credit . We spoke to Ed. These guys made it so easy for us. It was no hassle. Made it so easy. We are very happy! If you are looking .This is where you need to go!!! Thank you Darrell! And Ed!!

    34. buy here pay here Memphis dealer review by jose torres

      jose torres rated AutoMax of Memphis

      Good morning how are you? Today I have to thank you, Automax of Memphis, especially V BROTHERS, Mr. CARLOS VARELA and all his team, for the sale of two vehicles, my family and I feel very answer and satisfied, thanks to the team of v brothers my family and I travel safer, I appreciate all your patience to reach the best terms, thank you very much .!!

    35. buy here pay here Memphis dealer review by Monique Thomas

      Monique Thomas rated J R’s Auto Sales

      I brought two car they were in GREAT CONDITION I LOVE JR'S AS A WHOLE

    36. buy here pay here Memphis dealer review by Gertrude Garner Dennard

      Gertrude Garner Dennard rated J R’s Auto Sales

      Im V.I.P. Jr's made my wish a reality um cruzin now!

    37. buy here pay here Memphis dealer review by Bridget Deets

      Bridget Deets rated Wholesale Unlimited

      Pete and Johnathan were awesome. They worked hard to get me into a car with identity theft ruining my credit. We worked with my income and I was able to get a beautiful 2014 Altima. It runs like new. Only had about 75000 miles. I had been to 3 other car companies and by far got best treatment at Wholesale Autos. Andrea.......... Thanks see you soon to pick up plates.

    38. buy here pay here Memphis dealer review by Darron Carruthers

      Darron Carruthers rated Wholesale Unlimited

      Wholesale Unlimited is the perfect example of what this world needs in car sales. The salesmen are functional, professional, friendly and patient. Not pushy at all. 10/10 would definitely buy again!

    BHPH Memphis TN dealer

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