Top 18 Buy Here Pay Here Dealers in Miami FL

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

Connect with top 18 buy here pay here Miami FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Miami'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 FL

  • Miami Car Credit, FL

  • Auction Direct Miami, FL

  • Buy Here Miami Auto Sales, FL

  • Premium Cars Miami, FL


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

  • Keys Motors Miami, FL

  • Easy Pay Auto Inc., FL

  • The King of Trucks, FL

  • Wing Motors Automobiles, FL

  • Cars N Cars Inc, FL

  • Did you know? These BHPH Miami 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 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.

  • America Auto Wholesale Inc, FL

  • Repo Auto Broker LLC, FL

  • Credit Cars USA, FL

  • Ocean Auto Sales, FL

  • Better Auto of Miami, FL

  • The phrase buy here pay here Miami 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 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.

  • Concept Auto Inc, FL

  • Crazy Motors, FL

  • Citi Cars Inc, FL

  • Why buy here pay here Miami 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 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 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 FL Works

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

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

    The buy here pay here Miami 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 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 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 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 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 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 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 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 FL buy here pay here Reviews

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

    1. buy here pay here Miami dealer review by Aggee Talleyrand

      Aggee Talleyrand rated Miami Car Credit

      When i came in James was a great help. He showed great experience and patience in helping me select my new vehicle. He helped make sure that i got in car i wanted and the overall experience 10/10 officially my car buying place. Recommend to everyone, they will work with you.

    2. buy here pay here Miami dealer review by Natallia Slabko

      Natallia Slabko rated Miami Car Credit

      Went here because of amazing reviews online and now I know why there are amazing reviews! Left the place with this beautiful car the same day. ? Derek is outstanding, made everything went as smooth as possible. Explained absolutely everything! (I went to Audi dealership before and the lady over there couldn’t explain even half of what Derek did.) Thank you Derek and Miami Car Credit for this wonderful car ? Highly recommend this place!

    3. buy here pay here Miami dealer review by Erick Posada

      Erick Posada rated Auction Direct Miami

      I am very satisfied with my audi a6. They give u/me/us great deals, they will have u driving a new/used car. I even recommend my cousin and he is driving home in a new/used car today!. Auction direct Miami is what's happening

    4. buy here pay here Miami dealer review by Chanitte Byrd

      Chanitte Byrd rated Auction Direct Miami

      Literally made my day! Thanks to Josh and Jay they got me the car I wanted and the payments I needed! Y’all go head and see them you won’t be disappointed

    5. buy here pay here Miami dealer review by Flor Mora

      Flor Mora rated Buy Here Miami Auto Sales

      Great place to purchase good quality and affordable cars. They work with your budget and the customer service is great. They did all maintenance on the spot and the car was spotless. highly recommend this place.

    6. buy here pay here Miami dealer review by Kalil Adams

      Kalil Adams rated Buy Here Miami Auto Sales

      Fantastic customer service, very family oriented and the vehicles are very affordable, the owner keep it real hes very honest and the entire staff want to help you at all times, I strongly recommend them and I will tell everyone to do business with these guys :)

    7. buy here pay here Miami dealer review by Aaliyah GooBaby

      Aaliyah GooBaby rated Premium Cars Miami

      This is The Best car dealership I have ever been too. To start Rick who assisted myself and husband was welcoming and very start forward with questions that we had. He made sure that he gave all the of the information straight forward. I would definitely recommend my family to come he and slash for him directly. I also happy that we made the right choice by coming.

    8. buy here pay here Miami dealer review by Taquilya Rogers

      Taquilya Rogers rated Premium Cars Miami

      We bought a 2015 impala from this dealership. Wonderful customer service from the manager David! I would definitely recommend this dealership.

    9. buy here pay here Miami dealer review by John Wesley

      John Wesley rated AUTOKING, INC

      You guys are really trying your best. #thumbs up

    10. buy here pay here Miami dealer review by Alexander Rodriguez

      Alexander Rodriguez rated AUTOKING, INC

      excellent service, very friendly and professional.

    11. buy here pay here Miami dealer review by Marie Coll

      Marie Coll rated Keys Motors Miami

      Thank you Lexi Ray and Omar for getting us approved not only with one car but with two very flexible dealer helpful and at heart truly will work with you .... This is the place I recommend any day .....number one used car dealer ship come here first and get APPROVED....... Don't do 15 dealers they make it easy.....

    12. buy here pay here Miami dealer review by Val's Kitchen

      Val's Kitchen rated Keys Motors Miami

      The entire team at Keys Motors is the best... their level of professionalism in assisting me and my family was superb. They were very patient and explained everything thoroughly to our understanding. Yes my family and I definitely walked out with a beautiful SUV. I will recommend them to everyone that is looking to buy a beautiful reliable and affordable vehicle

    13. buy here pay here Miami dealer review by Tracey Paz

      Tracey Paz rated Easy Pay Auto Inc.

      These people were wonderful. They understood My urgency for a car and my financial situation. They help me find one they were understanding , supportive and helpful. Frankie guided me through and I felt like we were good pals. It’s tough being a woman and not being taken advantage of when it comes to automobiles. I highly recommend these guys!

    14. buy here pay here Miami dealer review by Fabian Florez

      Fabian Florez rated Easy Pay Auto Inc.

      After searching for a wile I found the best service and the help I was looking for with Guillermo and his team... I’m grateful because their professionalism save me from doing a very bad business with other car dealers. It was really easy to buy here...

    15. buy here pay here Miami dealer review by Rodrigo Opalo

      Rodrigo Opalo rated The King of Trucks

      This isn't my first time at a car dealership but it was definitely the best. The team at The King Of Trucks were amazing. Great place to get your truck. Recomended!!

    16. buy here pay here Miami dealer review by Gabriela Rodriguez

      Gabriela Rodriguez rated The King of Trucks

      Great service and best seller Magela. The truck is beautiful and working good. Thanks to all the staff of The King of trucks.

    17. buy here pay here Miami dealer review by Elizabeth Marin

      Elizabeth Marin rated Wing Motors Automobiles

      I had such an amazing experience I came in and left with a car. Rey took care of me and was such an amazing seller. Helped me out a lot I highly recommend to come get you car here !

    18. buy here pay here Miami dealer review by Jose Ruiz

      Jose Ruiz rated Wing Motors Automobiles

      My mother told me to go back to Wings Motors.. Boy she was right.. Let see Ray sales super professional and super helpful without the pressuring me to buy He let me take my time . Also helping me to fine the right car.. Delightful and friendly and helping me to get the best price . I'm really happy with my car..this is my second car did I bought in Wings Motors. Also Victor the mechanic took from his busy day the time to explain me all I need to know about my car. thanks to him I feel much safer driving my car.. And the people in the office everyone come to me and my mother to say hello.and paper work was done in minutes and everyone smile all the time don't see that in Miami anymore.. From Sales to mechanic and costumer service 5 stars is too low I give you a 100 stars..thank you so much for everything you guys are done for me And Happy Holidays to everyone...

    19. buy here pay here Miami dealer review by Juan Mendieta

      Juan Mendieta rated Cars N Cars Inc

      Thanks to Humberto, I finally was able to get a car. So happy I bought it from cars n cars, he was very patient with me and waited till I was ready to buy. Definitely recommend this dealership!! If I could give 6 stars I would!

    20. buy here pay here Miami dealer review by Andrea Espinosa

      Andrea Espinosa rated Cars N Cars Inc

      Cars are extremely clean and in great condition for being used . Owner is a remarkable person .

    21. buy here pay here Miami dealer review by DIEGO JIMENEZ

      DIEGO JIMENEZ rated America Auto Wholesale Inc

      Great people to work with regarding sales and service. Been doing business with them for many years. No inflated prices nor double talk. Straight up, honest dealings. Service advisors, actually advise. Highly recommend this dealership.Will be a customer for life.

    22. buy here pay here Miami dealer review by Melissa Hends

      Melissa Hends rated America Auto Wholesale Inc

      This is a very nice place. Kind people. And they help me with my credit situation. I purchase a very nice infinity and I’m super happy.

    23. buy here pay here Miami dealer review by Pedro  Sotolongo

      Pedro Sotolongo rated Repo Auto Broker LLC


    24. buy here pay here Miami dealer review by Olberto Liza

      Olberto Liza rated Repo Auto Broker LLC

      Siempre tienes solución a tu problema respecto si quieres obtener un auto muy flexible a tu economía

    25. buy here pay here Miami dealer review by keegan laguerre

      keegan laguerre rated Credit Cars USA

      This place is awesome guys , best place ever to go someone to get the deal and the car you want , look NO GAMES , NO FAKE DEALS AND THEY TAKE GOOD CARE OF PEOPLE . THE GUY THAN I GOT MY DEAL WITH IS JAY I WANTED THE OWNER TO KNOW HOW GOOD HE IS IN DOING HIS JOB I HAD A GREAT TIME WHEN I WAS BUYING MY CAR THE ATTENDANCE WAS SO GOOD I GET A SECOND CAR FROM THAT SAME PLACE FOR THAT GREAT WAS MY FIRST ONE . Thank You so much remember everyone the Address is this one ( 9937 NW 27 ST ) and The BEST SELLER IS Mr JAY . I'm Keegan . Nice to shared that review with all of You ALL. Next time ya'll gonna have picture bcuz there I brought friends and coworkers for hest deal , well this car is one of them a friend of Me gonna get . Isn't CUTE FOLKS.

    26. buy here pay here Miami dealer review by Ethnie Etienne

      Ethnie Etienne rated Credit Cars USA

      Great people great service

    27. buy here pay here Miami dealer review by Eddie Menendez

      Eddie Menendez rated Ocean Auto Sales

      Best ever , hassle free ,fair and a good price. Even bought a second car.(later on )

    28. buy here pay here Miami dealer review by valley alex

      valley alex rated Ocean Auto Sales

      Mario Bloom i highly recommend he was very polite. Took his time and explained to me about my car and the services. Not your typical salesman trying to push a car on you. Again highly recommended ????

    29. buy here pay here Miami dealer review by mya Lockhart

      mya Lockhart rated Better Auto of Miami

      Best experience. Juan made sure everything was taking care of the RIGHT WAY. Mind you this is my first car. Between Ramon and Juan putting up with my mother and how hard she was on them, they gave 110% effort to make it perfect. Thank you Better auto of Miami. Juan and Ramon were the FREAKING BEST????

    30. buy here pay here Miami dealer review by Stephanie Delgado

      Stephanie Delgado rated Better Auto of Miami

      Just bought my car and everything was so easy... nobody wanted to approve me but Enrique Bicet was awesome to work with he’s very direct and honest which is what is always wanted in a salesman. 5 stars plus!

    31. buy here pay here Miami dealer review by Brandy Mann

      Brandy Mann rated Concept Auto Inc

      Carlos and Ramez were great.. They treated me like family. I would definitely highly recommend them for any future car purchases !!

    32. buy here pay here Miami dealer review by Dominque Brown

      Dominque Brown rated Concept Auto Inc

      Thank you. -Dominique

    33. buy here pay here Miami dealer review by Walter Constantin

      Walter Constantin rated Crazy Motors

      Nice guy

    34. buy here pay here Miami dealer review by Javier Juarez

      Javier Juarez rated Crazy Motors

      M llega es muy bonito dealer

    BHPH Miami FL dealer

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