Top 16 Buy Here Pay Here Dealers in Minneapolis MN

Looking for a used car dealer in Minneapolis MN but your credit is in bad shape?

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

  • Jake’s Auto Mall, MN

  • Perfect 10 Auto, MN

  • CarHop Auto Sales & Finance, MN

  • Metro Motor Sales, Inc., MN

  • University Auto Sales, MN

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

  • CarHop Auto Sales & Finance, MN

  • Key Cadillac, MN

  • CarHop Auto Sales & Finance, MN

  • CarHop Auto Sales & Finance, MN

  • Auto Latino / University Auto, MN

  • Did you know? These BHPH Minneapolis MN 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 Minneapolis 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.

  • Gloria’s Downtown Auto Sales, MN

  • Cities Auto Sales, MN

  • Rockstar Automotive, MN

  • Tri City Auto, MN

  • Time Motor Sales Inc, MN

  • The phrase buy here pay here Minneapolis MN 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. Minneapolis 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.

  • Automart – Used Cars, MN

  • Why buy here pay here Minneapolis MN 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 Minneapolis MN 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 Minneapolis MN 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 Minneapolis MN Works

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

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

    The buy here pay here Minneapolis MN 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 Minneapolis MN 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 Minneapolis MN 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 Minneapolis MN

    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 Minneapolis MN

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

    While buy here pay here Minneapolis MN 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 Minneapolis MN 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.

    Minneapolis MN buy here pay here Reviews

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

    1. buy here pay here Minneapolis dealer review by Tammy Davis

      Tammy Davis rated Jake’s Auto Mall

      I came into Jake's not knowing where to begin. Michelle was very patient, understanding and helpful. She made sure I knew exactly what I was doing instead of allowing me to agree with whatever she told me. I truly appreciate her help and honesty as I walked in her illiterate as to what I wanted or what I was doing. With that being said, DON'T HESITATE TO SHOP AT JAKE'S AUTO?

    2. buy here pay here Minneapolis dealer review by Lawrence Williams

      Lawrence Williams rated Jake’s Auto Mall

      We were referred by my cousin... I did my homework... And the experience was exactly how I expected it... Great! We got all our questions answered... The paperwork smooth... And they were nice and patient. We got the exact vehicle we were looking for... Thanks Ladies!!!

    3. buy here pay here Minneapolis dealer review by Gerlaine Collier

      Gerlaine Collier rated Perfect 10 Auto

      They made buying a car super easy. I’m 8 months pregnant and was able to do everything with ease. I didn’t have to wait hours for paperwork, and I didn’t have to come back more than one time to sign papers or for any other little problem. Only reason we came back was to buy a second car through them. They’re also very friendly people so it made the process less stressful.

    4. buy here pay here Minneapolis dealer review by Sherri W

      Sherri W rated Perfect 10 Auto

      Kyle was friendly and efficient. After deciding on a car, he had the paperwork done and us out the door quickly. It was a breath of fresh air from other dealerships.

    5. buy here pay here Minneapolis dealer review by Kyle Milhaupt

      Kyle Milhaupt rated CarHop Auto Sales & Finance

      Got me & my wife in with just a few documents, no hassle... No unclear terms, didn't sweat our overall credit, looked @ multiple other factors to consider in our finances as of late & got us a great truck @ a great deal. All together, I think it was 3 visits 3 calls & 1 email & we were off in the vehicle of our choice (1 visit I forgot Bank statements). CarHop is customer oriented, the employee's are competent and scrupulous. I'm referring my friends & family to CarHop. Much better than MAPLEWOOD AUTO MALL. In service, in acceptance & selling US OUR NEW VEHICLE

    6. buy here pay here Minneapolis dealer review by Denise Cantrell

      Denise Cantrell rated CarHop Auto Sales & Finance

      Literally the best dealership I’ve ever been. They are very helpful figuring out what’s going to fit in your budget but also make sure you know it’s your choice as to what car truck suv you want. They are also forgiving when life happens and you can’t make a payment on time from my experience if you just stay honest and be responsible for vehicle they can help you figure something out. You’ve just got to be responsible. Also even though you may see a car out there that costs more than one you’ve seen somewhere else you gotta think like carhop is going to help you with your credit and they’re going to accept you no matter what your score is even if you don’t have a score. Plus the other things I’ve mentioned above. Something I didn’t mind because I know if id gone somewhere else to get a decent car I would be paying anywhere from $1000 and up just to take it off the lot and I know like others people who need to go to carhop if we’re being honest, you might not have that or more in your savings account. Anyway hope this helped some of you make a good decision on what you wanna do.

    7. buy here pay here Minneapolis dealer review by Amy Scruggs Kuch

      Amy Scruggs Kuch rated Metro Motor Sales, Inc.

      Customer Service? Great Selection? Honest Sales Process? Yes! Yes! Yes! We recently had the BEST experience purchasing a Nissan Altima from Metro Motor Sales, Inc. We have never felt more "gently" guided through a buying experience. Buying a used vehicle can be daunting, but Alicia and the team were kind, considerate, patient, and so helpful. They answered every question, plus follow up email questions, and were so accommodating. Definitely, would purchase from Metro Motor Sales, Inc. again! Thank you, Alicia and team! You are all awesome!

    8. buy here pay here Minneapolis dealer review by Brandon Kotek

      Brandon Kotek rated Metro Motor Sales, Inc.

      I was able to find a great car for a fair price with these guys. The plus side is that I reached out after hours and was able to get a response for a test drive within minutes of my inquiry. I would highly recommend metro motor sales, inc to anyone looking for a great used car.

    9. buy here pay here Minneapolis dealer review by Aniel Lora

      Aniel Lora rated University Auto Sales

      I refuse to go anywhere else now to purchase a vehicle. I was referred to them by more than one person which is a great sign that you're in the right place. No high pressure sales, straight forward, friendly, and go over and above to help. If they don't have it they will try to find it for you too..

    10. buy here pay here Minneapolis dealer review by Alexander Ssengendo

      Alexander Ssengendo rated University Auto Sales

      Joe is such a nice guy-he will make sure you walk out with a car. He is very understanding and able to help . I highly recommend you to try this location and always ask for Joe.

    11. buy here pay here Minneapolis dealer review by Elizabeth Eveland

      Elizabeth Eveland rated CarHop Auto Sales & Finance

      Excellent customer service! They did whatever they could to get us in the vehicle we wanted (and needed with 4 kids!). We had no issues with getting approved, both of us had low credit scores and were able to have low money down. Mind you, if you had excellent credit, you wouldn’t be here :) But you are paying for a great vehicle and the opportunity to build your credit up in a reasonable amount of time. We purchased a 2008 Nissan Pathfinder with decent mileage and was VERY well taken care of, both inside and out. We found this at Carhop of Inver Grove Heights, MN. They have great people with great personalities! They will help you with any questions and/or concerns. Thank you for a great experience!!

    12. buy here pay here Minneapolis dealer review by Brandie Hoffman

      Brandie Hoffman rated CarHop Auto Sales & Finance

      Have done business with carhop for 6 years and Rick our sales rep, Was the best! Great personality, knows what he is doing and put my family and I in the vehicle we came in for!!!! Thank you RICK

    13. buy here pay here Minneapolis dealer review by matthew kallas

      matthew kallas rated Key Cadillac

      My fiancé and I recently worked with Kyle and couldn’t recommend him and his colleagues enough! They went out of their way to make our car buying experience the best it could be! So far we are loving our new xt6! Thanks again everyone!

    14. buy here pay here Minneapolis dealer review by Stella

      Stella rated Key Cadillac

      I traveled 95 miles one way for a new vehicle. I went to 2 local dealerships, and contacted one about 30 miles away, and could not come to an agreement and make a deal. I expanded my search to a 100 mile radius and really lucked out. Key Cadillac had a vehicle I was interested in and offered me such a good deal it was well worth the 2 hour trip each way. Brian in Sales had my car ready and waiting when I arrived. He took the time to train me on all the technology. Ryan in finance had the paperwork ready to go which is the part everyone hates. I was in and out in under and hour. What a great team. They made the trip well worth it. Thank you to the Key Cadillac team for making what is usually stressful and draining, just a nice daily jaunt! I love my new toy.

    15. buy here pay here Minneapolis dealer review by Kathleen Haugberg

      Kathleen Haugberg rated CarHop Auto Sales & Finance

      Friendly and courteous staff. Candra was easy to work with. She explained everything fully and was very kind and understanding of our situation. Got us in a car that we both love dearly. I would definitely recommend coming here.

    16. buy here pay here Minneapolis dealer review by Caleb Barber

      Caleb Barber rated CarHop Auto Sales & Finance

      Gave these guys a second shot and they got me in to a car I really enjoy. Thanks to the carhop staff for working so hard to get me in to a great vehicle.

    17. buy here pay here Minneapolis dealer review by Dyonyca Conley

      Dyonyca Conley rated CarHop Auto Sales & Finance

      I have to say that the customer service I received from Jeremy at the Crystal location was AMAZING!!!!! My hours had been cut down at my job and not only did he provide information to help me with my payments, he also gave me information on how to get help to make my payments lower during the pandemic. DEFINITELY a blessing.

    18. buy here pay here Minneapolis dealer review by Tina Tribbey

      Tina Tribbey rated CarHop Auto Sales & Finance

      Very happy with the experience with carhop. John kelly got me driving with no money down and really low monthly payment thanks john!

    19. buy here pay here Minneapolis dealer review by Cecilia Arrieta

      Cecilia Arrieta rated Auto Latino / University Auto

      That place is very nice ? I have very good experience asking for Robert Reis he is very nice ? and so helpful person very professional I recommend if someone going there to buy at car ask for him Robert Reis ??????????

    20. buy here pay here Minneapolis dealer review by Catrina Simpson

      Catrina Simpson rated Auto Latino / University Auto

      Rebeca Is Amazing!!!! I stopped in,wantiing more information about buying car,she convinced me that I was at the right place and she got me approved within an hr!!! This place is Awesome and if you’re looking to buy a car,Go see Rebeca!! Thanks a lot Rebeca!!!!!!

    21. buy here pay here Minneapolis dealer review by Juan Garcia

      Juan Garcia rated Gloria’s Downtown Auto Sales

      They were very professional, helpful and knowledgeable I highly recommend this place I don't know what else to say I guess I found a place to keep buying cars, GRACIAS

    22. buy here pay here Minneapolis dealer review by Angela Alston

      Angela Alston rated Gloria’s Downtown Auto Sales

      Nice dealer! All cars are in EXCELLENT CONDITION

    23. buy here pay here Minneapolis dealer review by Aressa Willis

      Aressa Willis rated Cities Auto Sales

      Kenny is AWESOME!! Told me on the phone that he could get me in a vehicle even after repossession! And the very same day, yes that is exactly what he did! Even got a great warranty. He is an awesome person and understands the struggles of every day life. Making him not only a car salesman, but an individual that genuinely cares about people. Thank you so much! From the bottom of my heart this means everything!

    24. buy here pay here Minneapolis dealer review by Sean Pudlik

      Sean Pudlik rated Cities Auto Sales

      Working with Cities Auto Sales was an absolute pleasure. I stopped in to look at a vehicle and was shown 2 and given several other options. 2 days later the specific vehicle I was seeking became available, I test drove it, was given all the numbers upfront, no pressure and was able to sign and drive with a minimal down payment and basically zero prior credit. I would recommend Cities Auto Sales to anyone regardless of their credit status. They have a wide selection of vehicles to fit anyone's needs. I would also like to give a special thanks to Tom Allen who is the salesman I worked with but everyone was very courteous and professional. Thanks guys I love my truck!

    25. buy here pay here Minneapolis dealer review by Fartun Omar

      Fartun Omar rated Rockstar Automotive

      The owners were very patient and were working with me to make sure I got everything I needed and a very good experience here. This is definitely a place I’d come back to and shop at again! Thanks guysss!

    26. buy here pay here Minneapolis dealer review by Mostafa Ahmed

      Mostafa Ahmed rated Rockstar Automotive

      This is an exceptionally great dealership. Everyone is extremely friendly and respondent. Customer service is great and they always get you rolling in the car you need and they are surprisingly time efficient. Prices are low and so are your payments. The best think about this dealership is that they will not let you walk away disappointed like other used/new dealerships. The price is good and so are the people. Go here...you’ll drive away happy.

    27. buy here pay here Minneapolis dealer review by Steve Bobzin

      Steve Bobzin rated Tri City Auto

      Great experience! Super friendly guys made the car buying experience painless. The only difficulty I experienced was trying to decide between 2 different trucks that completely met my needs. I will definitely go back again for my next vehicle.

    28. buy here pay here Minneapolis dealer review by Fromthesun

      Fromthesun rated Tri City Auto

      JT helped my family get a truck back in April. I forgot to write a review then because we were busy but we talk about the guys at Tri City all the time. They were so amazing. JT went above and beyond to get us into a safe, beautiful, very very reasonably priced truck. We love our truck so much and were only able to move across the country thanks to JT. Thanks to the guys at Tri!

    29. buy here pay here Minneapolis dealer review by Pius Raini

      Pius Raini rated Time Motor Sales Inc

      Very professional and knowledgeable, great bargains, excellent after sale follow up. I'd recommend it.

    30. buy here pay here Minneapolis dealer review by Rpg4life

      Rpg4life rated Time Motor Sales Inc

      Staff are excellent and very helpful, I would recommend them to everyone looking for good service and a friendly atmosphere.

    31. buy here pay here Minneapolis dealer review by Renee Nelson

      Renee Nelson rated Automart – Used Cars

      Wonderful experience, bought a 5 speed dodge from him. He was up front & honest, only minor repairs was a tire rod broke after about 8 mos. The car was very well maintained!!! Will definitely buy another vehicle from him.

    32. buy here pay here Minneapolis dealer review by Danielle Roberts

      Danielle Roberts rated Automart – Used Cars

      Bought 2 cars there. Love this guy! Very Honest!

    BHPH Minneapolis MN dealer

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