Top 13 Buy Here Pay Here Dealers in Mesa AZ

Looking for a used car dealer in Mesa AZ but your credit is in bad shape?

Connect with top 13 buy here pay here Mesa AZ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Mesa'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 Mesa AZ

  • Trucks and Imports, AZ

  • E-Z Motors LLC, AZ

  • 399 Down Drives, AZ

  • Arizona Car Sales, AZ

  • Cactus Jack’s Auto Mesa, AZ

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

  • Atlas Automotive, AZ

  • D&S Auto Sales, Inc, AZ

  • Auto Action, AZ

  • VIP Auto Sales, AZ

  • Rock Solid Auto Center, AZ

  • Did you know? These BHPH Mesa AZ 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 Mesa 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.

  • Horne Motors, AZ

  • Ideal Cars, AZ

  • Simple Car Store, AZ

  • Why buy here pay here Mesa AZ 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 Mesa AZ 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 Mesa AZ 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 Mesa AZ Works

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

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

    The buy here pay here Mesa AZ 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 Mesa AZ 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 Mesa AZ 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 Mesa AZ

    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 Mesa AZ

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

    While buy here pay here Mesa AZ 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 Mesa AZ 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.

    Mesa AZ buy here pay here Reviews

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

    1. buy here pay here Mesa dealer review by Chris Davis

      Chris Davis rated Trucks and Imports

      Bruce is a one of a kind salesman. He is very sharp but absolutely does not push you to do anything you don't want to do. I gave him what I thought was a reasonable per month payment that my wife and I previously discussed before even walking through the door. Bruce not only met my desired payment, he crushed it by coming $10 per month under budget. I will tell you this, he has great connections with financing and they really trust him. I am trying to rebuild my credit because it is not the greatest and lets just say he pulled some strings! The warranty plan is the bomb and If you don't like that then there is a gap insurance that I would definitely look in to. Other than being bald, I am 43 years old and I have never had a salesman as cool calm and collected as Bruce. I am not one to leave reviews publicly but this guy deserves a fantastic review. By the way his service department is one of a kind! The cool thing is he did not pay me to say this! Cant say enough. Also, when you buy from there, they have an awesome referral plan.

    2. buy here pay here Mesa dealer review by Tracy Machemer

      Tracy Machemer rated Trucks and Imports

      This was the best car buying experience I've ever had. Bruce hit the marks on every expectation I had for a car dealer. He was easy to communicate with, was honest about what my options were, worked with me in negotiations and made what I had to offer work. This family business has vibe and most important-I trust them. I would recommend buying your next car here!

    3. buy here pay here Mesa dealer review by Adrianne Figueroa

      Adrianne Figueroa rated E-Z Motors LLC

      This place is amazing! Very friendly staff. The process was very quick and painless. I was so happy and ended up with a better car than I had anticipated being able to buy. Thank you EZ MOTORS!!

    4. buy here pay here Mesa dealer review by A2zcruisers cruising Arizona

      A2zcruisers cruising Arizona rated E-Z Motors LLC

      From A2ZCruisers crusing Arizona great place great people nice cars EZ Motors Broadway and Saguro Mesa Arizona.. owners will work with you to get you approved ..?

    5. buy here pay here Mesa dealer review by Jaceica Singletary

      Jaceica Singletary rated 399 Down Drives

      Fast, easy and thorough. Randy was AMAZING and super friendly - Got everything set up for me! I started talking with Karla who was also super helpful so I'm confident anyone on the team can help you! They are very responsive and honest. I feel great about my new car and will go back for any future purchases and recommend you get your next car here!

    6. buy here pay here Mesa dealer review by Kendra Cromer

      Kendra Cromer rated 399 Down Drives

      Great experience! Jr, Karla and the Owner Rick were OUTSTANDING !! I would definitely refer anyone here to purchase a vehicle because their customer service is phenomenal. They aren't like any other guy here pay here they actually care about your choices and well being. The wouldn't just place u in a car to get money like any other dealerships. They don't rush you to buy, the ask what YOU are looking for not what they think you want. fiancee will be here to purchase another vehicle in a couple of weeks. Thanks so much again you guys ! See you soon

    7. buy here pay here Mesa dealer review by S. Davidson

      S. Davidson rated Arizona Car Sales

      Every single person at this car lot is there to help you. They take your personal situation into account and go above and beyond to get you into the best car for your needs. They work with you financially, if something goes wrong, or even your personal likes and dislikes. Everyone is honest and upfront, no hidden addenda, and just want to get you into the best car for the best price. Amazing - Sam, mechanic extraordinaire, Joy, financial genie making the numbers work, and Dennis, sales guru. I plan on staying with these folks for years to come!

    8. buy here pay here Mesa dealer review by Lucia Cheiliz

      Lucia Cheiliz rated Arizona Car Sales

      So happy with my purchase at Arizona Car Sales. Best used car dealership in Mesa! The salesman Alex made the process fast and easy. Got a 2016 Hyundai with only 40 thousand miles. It did not have a spare tire however they ordered a brand new spare for me. i will recommend this place to my family and friends. (:

    9. buy here pay here Mesa dealer review by Daniel Cobian

      Daniel Cobian rated Cactus Jack’s Auto Mesa

      Ken help me get in to a beautiful 2014 dodge journey. Ken provided great customer services. Lot's of great vehicle's to choose from. Come and see Ken for a great vehicle at Cactus Jack in Mesa.

    10. buy here pay here Mesa dealer review by Angela Bumstead

      Angela Bumstead rated Cactus Jack’s Auto Mesa

      Ken helped us get a really great deal on a car! Okay payment, got insurance, and ready to drive. There was no credit check. Overall great experience. The staff were all very friendly but especially Ken. Ask for him if you come here. I would definitely come here again.

    11. buy here pay here Mesa dealer review by MARNA GPena

      MARNA GPena rated Atlas Automotive

      I bought a car from them about a year ago and they give free oil changes and really do a good job of taking care of us. They are very well organized and honest. I referred quite a few people here at customer service is honest and awesome!

    12. buy here pay here Mesa dealer review by Brent Christmas

      Brent Christmas rated Atlas Automotive

      Atlas automotive was amazing to deal with! Super friendly and made things very easy to purchase a vehicle. Also they knew I was looking for a car for my sons first and went out of their way to make sure he had a safe vehicle with low miles for him to drive. Thank you atlas for what you do..

    13. buy here pay here Mesa dealer review by Diana smith

      Diana smith rated D&S Auto Sales, Inc

      friendly staff.. helpful & accommodating.. even tho I purchased vehicle elsewhere.

    14. buy here pay here Mesa dealer review by Navruz Ganiev

      Navruz Ganiev rated D&S Auto Sales, Inc

      Friendly

    15. buy here pay here Mesa dealer review by Stephanie Pfaff

      Stephanie Pfaff rated Auto Action

      After having a rough start with the salesman that is no longer employed there Glen and Tom at the Mesa location took care of me and went out of there way to make sure i felt comfortable and did an inspection of my car personally. I bought a very reliable low mileage beautiful car there and will be a returning customer since they treat their customers so outstanding!!!!!!!

    16. buy here pay here Mesa dealer review by Sharon Matern

      Sharon Matern rated Auto Action

      Josh was my sales guy and he was awesome with being straight forward and just kept things simple. He was patient while we both had to wait to a money transfer to go thru. I would recommend this place to anyone who has a specific down payment and budget to follow.

    17. buy here pay here Mesa dealer review by Megan Kirby

      Megan Kirby rated VIP Auto Sales

      Cliff is amazing! The buying process was easy and he went out of his way to go above and beyond by transporting the trailer 5.5hrs to a half way mark to me! Great customer service! Great experience! Highly recommended Cliff at VIP Auto in Mesa AZ.

    18. buy here pay here Mesa dealer review by Jon Allen

      Jon Allen rated VIP Auto Sales

      Friendly, honest and no high pressure. Best car buying experience I've ever had. Update: Warranties from most used car lots are not worth the paper they're printed on. I had a couple small issues with my car that showed up well after my warranty expired. VIP took care of them, no questions asked. And in one case even gave me a loaner car while they were working on my car. I will never buy another car anywhere else.

    19. buy here pay here Mesa dealer review by Christina Hopkin

      Christina Hopkin rated Rock Solid Auto Center

      Absolutely love Rock Solid. The sevice department is really on it and they got my vehicle fixed and back to us in a timely fashion! Thanks Rock Solid!

    20. buy here pay here Mesa dealer review by Robert Dornburg

      Robert Dornburg rated Rock Solid Auto Center

      The sales people rocked... Didn't pressure me at all and worked with my credit... I'd recommend them to anyone needing to get a helping hand and a new start..

    21. buy here pay here Mesa dealer review by Chris Fredock

      Chris Fredock rated Horne Motors

      Very good place to buy your 1st car. I would highly recommend Kelly he was awesome! he got us in-and-out in a couple hours.

    22. buy here pay here Mesa dealer review by Rorie Vlaming

      Rorie Vlaming rated Horne Motors

      Thank you Arlene for a great buying experience! She was patient, explained everything in detail and made this cash purchase a seamless process. Very responsive! In fact everyone at the dealership was great-even after my husband locked the keys in the car! Very happy with the overall experience and plan to buy from and recommend them in the future! Don't hesitate to buy from this smaller dealership. We have been pleasantly surprised!

    23. buy here pay here Mesa dealer review by Alex Garcia

      Alex Garcia rated Ideal Cars

      You catch more flies with honey than you do with vinegar. It doesn’t matter if it’s fast food, retail or a used car dealership, remember that person who is helping you is a human being. They don’t deserve to be yelled at just because you didn’t get what you want. When you buy a used car it’s not gonna be BRAND NEW. There are certain expectations though. When those expectations weren’t met I politely expressed my frustration. Legally they didn’t have to help me as much as they did. They really went above and beyond my expectations to make sure I left a satisfied customer. My 5 star review is based on how they handled my situation and the customer service I received. Shout out to GM Mark and mechanic Ron. Super cool guys with excellent customer service. My family appreciates you guys.?

    24. buy here pay here Mesa dealer review by GVL2010 .

      GVL2010 . rated Ideal Cars

      Excellent customer service! Dave got me into the right vehicle for my family, despite my credit issues. They gave me a great deal and saved me a lot of money! I'm very satisfied and recommend Ideal Cars to anyone looking for a good car on a budget.

    25. buy here pay here Mesa dealer review by Eckhart TLP

      Eckhart TLP rated Simple Car Store

      Simple cars is awesome. I came I with bad credit and I left in a New beautiful work truck the same day. They even played my favorite song on the PA while I drove my truck off the showroom floor it was cool.

    26. buy here pay here Mesa dealer review by Phil Semales

      Phil Semales rated Simple Car Store

      This Place is Awesome! Friendly Service, Helpful Sales Associates. (All Woman) Andrea Was Very Helpful! Sarah is My Super Hero. She Got Me a Great Deal on a Vehicle, That I Didn't Expect to Get. 2014 Jeep Patriot Sport. For Under 10,000 Double Thumbs up to The "Simple Car Store." Thank You Ladies, For Helping Me Find My Vehicle!!! ?

    BHPH Mesa AZ dealer

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