Top 16 Buy Here Pay Here Dealers in Missouri MO

Looking for a used car dealer in Missouri MO but your credit is in bad shape?

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

  • Metro Motors KC, MO

  • Shocked Auto Source, MO

  • Car-Mart of Moberly, MO

  • Auto Now, MO

  • Don’s Used Cars & Auto Repair, MO

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

  • Car-Mart of Joplin, MO

  • Cars Plus Credit, MO

  • Two Car Guys, MO

  • US Auto Mart Inc., MO

  • Car-Mart of Columbia MO, MO

  • Did you know? These BHPH Missouri MO 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 Missouri 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.

  • A Bright Auto, MO

  • Buy Wright Motors, MO

  • County Seat Motors, MO

  • Sparks Motors, MO

  • Cars ‘R’ Us, MO

  • The phrase buy here pay here Missouri MO 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. Missouri 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.

  • Best Buy Here Pay Here, MO

  • Why buy here pay here Missouri MO 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 Missouri MO 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 Missouri MO 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 Missouri MO Works

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

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

    The buy here pay here Missouri MO 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 Missouri MO 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 Missouri MO 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 Missouri MO

    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 Missouri MO

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

    While buy here pay here Missouri MO 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 Missouri MO 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.

    Missouri MO buy here pay here Reviews

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

    1. buy here pay here Missouri dealer review by Alanna Henlon

      Alanna Henlon rated Metro Motors KC

      Very nice and genuine people, they allow you to inspect the cars yourself and and even ask for feedback. They hide nothing from you (car fax) and make sure you’re insured if you’re not, provide warranty. So they’re with you if you need, even after the purchase. Five stars????

    2. buy here pay here Missouri dealer review by Kenric Crockett

      Kenric Crockett rated Metro Motors KC

      I handled most the buisness with Cody. After a week of driving the car everything is working fine besides the A/C unit and speakers that were blown out. I can't speak for how well the dealership's financing works but if you want to purchase a car for cash and need 7 days to get it all then they'll ask you to put 500$ towards it. Obviously this 7 day deposit is only necessary if you've driven the vehicle, absolutely know it's the car you want and 100% have the ability to pay with those 7 days. Otherwise its not necessary. I would buy a car from here again.

    3. buy here pay here Missouri dealer review by Tobey Dale

      Tobey Dale rated Shocked Auto Source

      This dealership is going places. If you're looking for a quality used car at a great price, check it out. There's a reason the inventory turns over quickly.

    4. buy here pay here Missouri dealer review by Clayton Glastetter

      Clayton Glastetter rated Shocked Auto Source

      I purchased my 2003 Chevy Silverado 2500HD from Brent at Shocked Auto Source a couple months ago. The entire sales process was very easy. They were negotiable on the price and made me feel confident that I was buying a good truck. I won't waste my time or money buying from any dealer other than Shocked Auto Source. If you need a reliable, affordable car or truck, Shocked Auto Source is the place to go!

    5. buy here pay here Missouri dealer review by Tammy Jackson

      Tammy Jackson rated Car-Mart of Moberly

      We love our local Car-Mart. Everyone one is so helpful and nice. We purchased our 3rd vehicle today. Brooke Rentschler was absolutely amazing to work with. She answered all of our questions and made everything so simple. I highly recommend her as your rep. Thank you so much Ms. Brooke, you absolutely rock!!!!

    6. buy here pay here Missouri dealer review by Tanya Kolosick

      Tanya Kolosick rated Car-Mart of Moberly

      I just love the staff at Car-Mart of moberly. I have purchased 2 vehicles from them already. They are definitely my go to place for my car buying needs. The hassle free car buying service is top notch! I will definitely be back for more when the time comes!

    7. buy here pay here Missouri dealer review by M L

      M L rated Auto Now

      This was a purchase for my 2nd car and I was really happy at the overall smooth stress free experience. Thanks Jacob and Karen for a pleasant visit. I’m very excited about this purchase!

    8. buy here pay here Missouri dealer review by Christina Sampson

      Christina Sampson rated Auto Now

      Jacob was awesome. Really friendly & professional even tho he was swamped when we came in. Great experience so far. Would definitely recommend.

    9. buy here pay here Missouri dealer review by monsterfox0489

      monsterfox0489 rated Don’s Used Cars & Auto Repair

      Best shop in Franco visit maybe buy a used car I go once a month

    10. buy here pay here Missouri dealer review by Ted Snodgrass

      Ted Snodgrass rated Don’s Used Cars & Auto Repair

      Got a very good deal on a 97 Ford Ranger ,158,000 mi. Great condition , easy to work with , check them out , if they have what your looking for , you won't be disappointed .

    11. buy here pay here Missouri dealer review by Shauntell Caesar

      Shauntell Caesar rated Car-Mart of Joplin

      This is my 1st experience with Car-Mart, and I was VERY pleased. John is awesome... he worked hard to get me into a vehicle I could afford, with a low down payment as well. The rest of the staff were friendly and inviting as well, but John went above and beyond... spending like 3 hours to make sure I was able to leave the lot with keys in hand! Would definitely recommend, and will be back if I need another vehicle in the future.

    12. buy here pay here Missouri dealer review by Melanie Tyler

      Melanie Tyler rated Car-Mart of Joplin

      So Jessica is one of the funnest people I have ever met. She makes shopping for a vehicle fun and helps you reach the payment rate you truly can afford. Love this place and the people who work here. Thank you Jessica for helping me find what I was truly looking for

    13. buy here pay here Missouri dealer review by Tracy Shoate

      Tracy Shoate rated Cars Plus Credit

      Thank you Todd for another pleasurable car buying experience! Always great cars, great service and great prices!

    14. buy here pay here Missouri dealer review by Jamie McCale

      Jamie McCale rated Cars Plus Credit

      Hands down the best place to go for a vehicle! I’ve had many people rave about the quality care they received here, so I went to find out myself. Bill G. went above and beyond to help me select the best van for me. He talked me through everything and answered all my questions. He was easy to talk too, funny, and extremely knowledgeable on what I needed and was looking for. Thank you Bill for all you’ve done!

    15. buy here pay here Missouri dealer review by randy tenholder

      randy tenholder rated Two Car Guys

      I have known John all of my life. We were raised by parents that taught us to always do the right thing for the right reasons and life will be good to you. John is the epitome of that. He does the right thing because it's the right thing to do. I live in Illinois and my son needed a car, he was just out of school landed a job and needed a car. Barely any money and no credit (and parents that weren't going to bail him out and cosign). John made it happen. Not only did he get him financed somehow but he got him in a really cool used BMW. My son could afford it, he thought he was cool and for the first time in his life he was able to establish his credit. John was good on his word about taking care of the car and Rodney. My son hung in and a few years later traded that car in *right side up) on a brand new car and qualified for Honda's zero percent financing. My son and will be forever grateful for helping him set his course in life, on the right track. You're the best John Sands and I would recommend two car guys to anyone looking for a great, honest deal.

    16. buy here pay here Missouri dealer review by Osman A

      Osman A rated Two Car Guys

      Very good deal, owners very nice and helpful, he'll do everything to get you approved and a very decent vehicle and low mileage, I recommend everyone here....

    17. buy here pay here Missouri dealer review by Tresa Ferguson

      Tresa Ferguson rated US Auto Mart Inc.

      I had purchased a vehicle from here and unfortunately the vehicle was not up to their standards. Communication with Danielle and The management was excellent and I feel like they reached out to me, strived to provide me with an upstanding solution to the situation. I am deeply humbled and grateful for the wonderful morals and values that they uphold as a company. I recommend this car dealership 100%. Thank you so much for your amazing customer care...

    18. buy here pay here Missouri dealer review by joann clinton

      joann clinton rated US Auto Mart Inc.

      I walked on the lot saw a car I liked went on test drive paid for the car and I was in and out in less than an hour went got my inspection came back for my 30 day tag I was immediately greeted by name by the owner and the rest of the staff. I will recommend them to all my friends and family they have a nice selection of cars that are only $950 dollars I bought a 2002 Ford Taurus very clean they also have cars that are higher prices and they do finance. I will go there each and every time I am in need of a vehicle I couldn't be happier and I want to thank all the staff and owner for the great care they took of me thanks guys.

    19. buy here pay here Missouri dealer review by Joray Minnis

      Joray Minnis rated Car-Mart of Columbia MO

      I walked in Car Mart and left with a car my experience with the staff at Car Mart was awesome and everyone is very respectful and help I wanna Thank car mart for showing me a good time and putting me in A vehicle.

    20. buy here pay here Missouri dealer review by Sarah Williams

      Sarah Williams rated Car-Mart of Columbia MO

      Made buying a car super easy!!

    21. buy here pay here Missouri dealer review by Sandy @gmail. com

      Sandy @gmail. com rated A Bright Auto

      Went to look at a Jeep, they had a nice one, it was a one owner Grand Cherokee. Very good experience for me. I love my vehicle and the people were easy to work with.

    22. buy here pay here Missouri dealer review by Google User

      Google User rated A Bright Auto

      steve was very patient. no pressure sales. feel good about my purchase and the warranty options! would definitely recommend.

    23. buy here pay here Missouri dealer review by Annette Thaller

      Annette Thaller rated Buy Wright Motors

      These guys we're great!! Very friendly and knowledgeable about the vehicle I bought . And seem to be great mechanics on all vehicles. I definitely recommend them. I just enjoyed driving my new to my car home? Thanks James and Joey

    24. buy here pay here Missouri dealer review by scott knox

      scott knox rated Buy Wright Motors

      I think people go into used car lots expecting to leave with a brand new vehicle for under 4 grand. Those people will always have bad experiences, but as for myself, I left happy. The guys working there were very kind, weren't pushy, and told me a lot about the truck I was buying. One thing that was nice about this place is that the owners were mechanics. They were clearly working on the vehicles they sold in the back of the dealership, and know what they're doing. I got a good, running truck for an excellent price. I can tell it will need some work at some point, but that's what I paid for and I'm very happy. Great dealership, and I highly recommend for those looking for a great value.

    25. buy here pay here Missouri dealer review by John Teal

      John Teal rated County Seat Motors

      Got a great deal on exactly the truck I wanted (Cadillac Escalade). Steve, at the west location, was Great to work with on that deal. ***UPDATE*** Now, 4 months later, I needed another "luxury" suv (I've had 2 failed spinal fusions and have 5 kids under 18 in my home) 48 hours later, Chris, Doug, and Holly, at the east location, had me driving home a very, very nice Lincoln Aviator! These people make things happen for their customers.

    26. buy here pay here Missouri dealer review by Robert Kliethermes

      Robert Kliethermes rated County Seat Motors

      Anytime I am shopping for a car I stop by county seat motors first and foremost. They always have a very good selection of cars and trucks ranging from very affordable two very clean. You could always find something in your price range here. Also I deal with Steve mostly and he is always extremely nice and fun to deal with. I could not recommend this place enough.

    27. buy here pay here Missouri dealer review by Irina Caitlyn

      Irina Caitlyn rated Sparks Motors

      Sparks Motors is a great place to buy a reliable used vehicle! Last April I bought a 2016 Nissan Sentra and it has been the best car ever! The sales team was super friendly and helpful. They made sure I got a car that was safe, would last a long time, and fit my budget. I totally recommend Sparks to anyone looking for a good used car at a reasonable price.

    28. buy here pay here Missouri dealer review by A N0RMAL

      A N0RMAL rated Cars ‘R’ Us

      I purchased an SUV from them. I had very good dealings with them. I had to move payments around due to a family situation, they were great. My SUV is paid off and I would go back to them again if I every decide to buy another car.

    29. buy here pay here Missouri dealer review by Marshana Broyles

      Marshana Broyles rated Cars ‘R’ Us

      I bought a car from them and they have definitely treated me right. I recommend them.

    30. buy here pay here Missouri dealer review by Fawn Baughman

      Fawn Baughman rated Best Buy Here Pay Here

      They were very nice ppl and very helpful. They all went above and beyond to make sure I drove away with a car that day, which was my goal. I recommend anyone to go here the prices are great the people are cool.

    31. buy here pay here Missouri dealer review by Robin Cranor

      Robin Cranor rated Best Buy Here Pay Here

      The best car buying experience ever! Everyone was friendly, joking and upfront! The process is simple and if YOUR prepared with what you need it flows smoothly. Will recommend highly to everyone I know! Go see Adrian and tell him Robin C the Florida ghetto queen sent ya! Be prepared for a fun group with great attitudes!

    BHPH Missouri MO dealer

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