Top 15 Buy Here Pay Here Dealers in Miami Gardens FL

Looking for a used car dealer in Miami Gardens FL but your credit is in bad shape?

Connect with top 15 buy here pay here Miami Gardens FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Miami Gardens'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 Miami Gardens FL

  • Off Lease Only Miami, FL

  • AUTOBUY – We Pay The Max, FL

  • Carlink Motors, FL

  • Toyota of North Miami, FL

  • Florida Fine Cars, FL

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

  • Palmetto57 Nissan, FL

  • Auto Trust USA, FL

  • Lehman Subaru, FL

  • Palmetto57 Volkswagen, FL

  • Michael’s Auto Sales, FL

  • Did you know? These BHPH Miami Gardens FL 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 Miami Gardens 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.

  • Lehman Buick GMC, FL

  • Matos Auto Sales Inc., FL

  • Lehman Hyundai, FL

  • Miami Lakes Chevrolet, FL

  • Miami Imports, FL

  • The phrase buy here pay here Miami Gardens FL 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. Miami Gardens 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.

    Why buy here pay here Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL Works

    When the bank says no to your car loan, the buy here pay here Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL Car lots Dealership

    The one thing is very true about buy here pay here Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL – Fast Approval Low or no credit score

    The buy here pay here Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL 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 Miami Gardens FL

    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 Miami Gardens FL

    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 Miami Gardens FL, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Miami Gardens FL 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 Miami Gardens FL 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.

    Miami Gardens FL buy here pay here Reviews

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

    1. buy here pay here Miami Gardens dealer review by Sam Troope

      Sam Troope rated Off Lease Only Miami

      Went to Off Lease Only with my husband because the lease on our car was up. We were extremely nervous and didn’t know what to do. We met Mark Nelson, who was extremely nice and told us not to worry about anything. He sent us to check out some cars and we fell in love with the Challenger. We then told him and he started working on getting us this car! Everything went great! He was amazing, treated us so kind and made us feel at home! I’m so glad we decided to come and got to meet him. I hope everyone who goes can get help from him!! We were able to drive home with the newest member of our family lol! Thanks so much Mark!! May God Bless You!

    2. buy here pay here Miami Gardens dealer review by Denis Kandrutski

      Denis Kandrutski rated Off Lease Only Miami

      Thanks to Daniel Gonzalez we had a GREAT experience!!! Anyone coming here to purchase a vehicle needs to ask for him. He was friendly, pleasant and patient and made the experience that much more enjoyable. The process was quick and easy. We left the dealership in the new vehicle, the exact vehicle we wanted. Frank the finance manager was also very friendly and pleasant to work with. Overall great experience. Highly recommended.

    3. buy here pay here Miami Gardens dealer review by DadeCounty NewOrleans

      DadeCounty NewOrleans rated AUTOBUY – We Pay The Max

      Great place I was in and out I sold a truck to them got what I wanted for it the whole process took about an hour which was fine to me most places take 2 to 3 hours from past experience. The young ladies Cat and Elisabeth were awesome getting my paperwork together making the process easy and smooth. SN: Cat is Gorgeous ?

    4. buy here pay here Miami Gardens dealer review by Peter USA

      Peter USA rated AUTOBUY – We Pay The Max

      This is a great place, fast and friendly service and they give you a solid price for your vehicle. The written estimate is good for 5 days and the appraisal came in higher than the competition. Sebastian helped me out and Mili in the office is great. The entire process took less than an hour. I will be back!

    5. buy here pay here Miami Gardens dealer review by H Adventures

      H Adventures rated Carlink Motors

      I recommend Alexander Caro at Car Link Motors. What I looked about him is he was straight to the point and was honest and genuine, hard qualities to find at a car dealership. All the prices and fees were clearly presented. There weren't hidden fees or fees bundled so as to hide the true cost of the different fees. I plan to refer Car Link in the future.

    6. buy here pay here Miami Gardens dealer review by John The Great

      John The Great rated Carlink Motors

      Good pre owned cars for a Great price. Excellent great deals at Carlink Motors.

    7. buy here pay here Miami Gardens dealer review by Juanita Dieujuste

      Juanita Dieujuste rated Toyota of North Miami

      I had an incident, in which my car was brought to Toyota for repairs. Let me just say Oscar P. is truly an amazing employee. From the moment my car was received, up to me picking it up; He provided me with updates, & he explained any and all my questions. Oscar was efficient, professional, polite, and just overall very helpful, this type of customer service is hard to come by so if you need any assistance please ask for Oscar P within the Service Department.

    8. buy here pay here Miami Gardens dealer review by girlari rivera

      girlari rivera rated Toyota of North Miami

      What an awesome experience! Pro Sales Manager- Abner and Sales Specialist - Ruben took great care of me! Really went the extra mile to work with my budget and find me the best deal!! Love my car and love the service they provided :)

    9. buy here pay here Miami Gardens dealer review by India Tattoos

      India Tattoos rated Florida Fine Cars

      It was super easy to purchase a car here. I was looking for something quick and cheap, but reliable. I did my research and found the perfect car with less than 30k miles and it’s a 2018 for under 10k!!! They made the process super easy and almost everything was done right on my cellphone. Thanks for the hassle free process!

    10. buy here pay here Miami Gardens dealer review by wendy perez

      wendy perez rated Florida Fine Cars

      The entire experience was fantastic! They have a great selection of cars and good prices. Jesse was very easy going and patient. I wasn’t sure of what type of car i wanted to buy and he did not hesitate when I wanted to test drive 3 different cars. He made the whole process very painless. Kudos to his manager Chris as well for being so professional and personable. I recommend them 100% I have my dream suv thanks to them!!

    11. buy here pay here Miami Gardens dealer review by Teresa Moreno

      Teresa Moreno rated Palmetto57 Nissan

      Jerry is the best sales person ever! He helped me to get the car I wanted with a great deal. He also introduced me to Martha who help me to get the best price for my car insurance. I felt very comfortable. They all treated me like family! I am truly happy to be part of Nissan family now.

    12. buy here pay here Miami Gardens dealer review by Jay D

      Jay D rated Palmetto57 Nissan

      I bought a Nissan Rogue from here. The sales people are on top of things. They gave me a price I couldn't refuse. Fernando was excellent with all his help. By the time I was done with the paperwork my vehicle was ready. I recommend the sales men here. Ask for Fernando if you're looking for a car.

    13. buy here pay here Miami Gardens dealer review by B Hankin

      B Hankin rated Auto Trust USA

      Without a doubt, the best car buying experience I have ever had. Their staff worked closely with me to help narrow down my search. I was able to find the exact model, color and all options I was looking for, and the best part...the price was exactly what I wanted to pay. I never felt pushed or persuaded into paying more. I highly recommend working we these folks. Oh and the best part, I had the car in my procession in less than 24 hours from when I purchased it. VERY HAPPY CUSTOMER.

    14. buy here pay here Miami Gardens dealer review by Carol Oliver

      Carol Oliver rated Auto Trust USA

      Best dealership and car sales team EVER!!! Vlad Bogdanov was amazing! We had been searching for this particular VW Tiguan online and found it on CarGurus -- through Auto Trust USA. I immediately called and talked to Vlad who treated me like a friend from the start. Within less than 24 hours, I was driving it off the lot! Vlad had arranged the financing, arranged the buying of my Beetle bug (sorry to say good bye to that car) and had us in the clean car in under an hour. We live in Cape Coral but would drive to Miami again for our next car. Top notch team! Thank you Auto Trust. Thank you Vladimir! We feel like family now! (P.S. Hope you find a nice customer for my beetle bug. It served me well for 12 years)

    15. buy here pay here Miami Gardens dealer review by Ivette Martinez-Hill

      Ivette Martinez-Hill rated Lehman Subaru

      My Sales Person Terrence did an amazing just an in out from an outback to another. No hassle just ease attention and comfort. I'd send anyone to him this your for those who are saying this

    16. buy here pay here Miami Gardens dealer review by PTAR

      PTAR rated Lehman Subaru

      Customer satisfied we had to teach A salesman that it came pre-wired awesome experience the salesman learned he was amazed

    17. buy here pay here Miami Gardens dealer review by CLARISSA FURBUSH

      CLARISSA FURBUSH rated Palmetto57 Volkswagen

      Service was speedy and on point. The young lady who received my car and set up my service was very friendly and professional. When returning to pick up my car, I received the same warm welcome and exceptional service. I even received a discount on my services, a pleasant surprise. I am moving to another state next week; however, if I’m ever in Miami/Hialeah again and my car needs tending to, I will definitely be visiting Palmetto57.

    18. buy here pay here Miami Gardens dealer review by Phano Ann

      Phano Ann rated Palmetto57 Volkswagen

      The experience was great! Juan Alvarez was very knowledgeable and was able to get me the car that i needed, the transaction was surprisingly fast! I am very happy with my new car and with the service Juan provided to me. I recommend VW to anyone, ask for Juan and he will make sure you get the car you need and the service you deserve.

    19. buy here pay here Miami Gardens dealer review by Steve Brickman

      Steve Brickman rated Michael’s Auto Sales

      I’d give another star if I could. From the second I walked in till I drove the new car out these guys were amazing. Leon immediately hooked me up with Henry who got me into the new car. He went above and beyond to take care of everything from start to finish. David from Finance knows his stuff and will get you driving out in the car you wanna be in. I recommend this place to anyone and would definitely go back in the future... All class acts and make you feel at home

    20. buy here pay here Miami Gardens dealer review by Stephanie Segovia

      Stephanie Segovia rated Michael’s Auto Sales

      I am very happy and satisfied that I was recommended to this dealership. Henry, Anthony and Juaquin were very helpful and understanding every situation that was drawn to them. They really help me out when I thought that I was in able to get a car. Very happy client. I Highly recommend this dealership.

    21. buy here pay here Miami Gardens dealer review by Happy Momma

      Happy Momma rated Lehman Buick GMC

      Jimmy was the best to work with...friendly, courteous and professional. He found the exact car I was looking for and it was a stress free experience. We text and emailed during the entire process so I didn’t have to waste time at the dealership or talking on the phone. All had to do was show up, sign the paperwork and drive off in my new car.

    22. buy here pay here Miami Gardens dealer review by jonald rojas

      jonald rojas rated Lehman Buick GMC

      This guys are the best!! Great experience buying a car here. IgnacioÁngulo and jimmy tsegga give me the best service. Thanks for everything..

    23. buy here pay here Miami Gardens dealer review by Parsha Davis

      Parsha Davis rated Matos Auto Sales Inc.

      Very nice and friendly..great Auto mechanics

    24. buy here pay here Miami Gardens dealer review by rhojel witter

      rhojel witter rated Matos Auto Sales Inc.

      One of the best auto dealer in Miami Gardens

    25. buy here pay here Miami Gardens dealer review by Dada

      Dada rated Lehman Hyundai

      Orlando from the service department was very helpful. He took my car in and took care of everything covered under warranty. My issue was a P0456, so the gas cap needed to be replaced. No complains here. I went to a different dealer and they wanted to charge me for diagnostics and said my car was not under warranty. I am super grateful that there are still honest people out there and you can find that in this dealer. Thank you again.

    26. buy here pay here Miami Gardens dealer review by siham ashoura

      siham ashoura rated Lehman Hyundai

      Thank you Heilo for making it possible to have my brand new Tuscan 2020 without stepping a foot in the dealership. Your hard work trying to meet my needs is greatly appreciated. With these challenging times of social distancing, you made the impossible possible. Delivering the car and the paper work without me leaving my house is remarkably unbelievable. Gratitude to your service. Kudos to you and the team that made it possible Thank you

    27. buy here pay here Miami Gardens dealer review by jean boursiquot

      jean boursiquot rated Miami Lakes Chevrolet

      I have been a loyal customer of this Dealership primarily because of their customer service. I have always received an excellent service from each of the team members at the Service Dept. Last time I took my truck in, Diana the Service Agent was so helpful in getting me in and out in no time, and Michael, the Service Manager, went above and beyond to resolve an issue I was having with my truck. I would definitely continue to service my Chevy truck at this shop, and would also highly recommend servicing your car at this location.

    28. buy here pay here Miami Gardens dealer review by Sion Azulay

      Sion Azulay rated Miami Imports

      I had an exceptional experience with Miami Import. The car I bought is in a very good condition as Victor reported me by the time I was looking to buy a used car. Thanks

    29. buy here pay here Miami Gardens dealer review by cheerioov2

      cheerioov2 rated Miami Imports

      Perfect experience, I bought a Scion FRS this dealership. The owner is nice and took really good care the car. He has quite a lot collections of cars. Plenty of E46 and corvettes, along with other performance cars. Best deal in the market, highly recommended!!!

    BHPH Miami Gardens FL dealer

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