Top 17 Buy Here Pay Here Dealers in Montgomery AL

Looking for a used car dealer in Montgomery AL but your credit is in bad shape?

Connect with top 17 buy here pay here Montgomery AL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Montgomery'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 Montgomery AL

  • Joe Scott Motor Co., AL

  • 2nd Chance Auto Sales, AL

  • Kredit King Autos, AL

  • Mills Capitol Auto Sales, AL


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

  • American Car Center – Montgomery, AL, AL

  • Johnny Pearson Auto Sales, AL

  • MGM Auto Brokers, AL

  • Troy Automotive Group, AL

  • Auto Mart, AL

  • Did you know? These BHPH Montgomery AL 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 Montgomery 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.

  • Budget Car and Truck Sales of Montgomery, AL

  • Holmes Motors Montgomery, AL

  • Ralph Smith Motors Inc, AL

  • Ellis Motorcars Inc, AL

  • Daniel Motor Company Inc, AL

  • The phrase buy here pay here Montgomery AL 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. Montgomery 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.

  • Ralph Smith Motors Inc, AL

  • Fountain City Imports, AL

  • Why buy here pay here Montgomery AL 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 Montgomery AL 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 Montgomery AL 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 Montgomery AL Works

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

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

    The buy here pay here Montgomery AL 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 Montgomery AL 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 Montgomery AL 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 Montgomery AL

    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 Montgomery AL

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

    While buy here pay here Montgomery AL 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 Montgomery AL 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.

    Montgomery AL buy here pay here Reviews

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

    1. buy here pay here Montgomery dealer review by Steve Pettry

      Steve Pettry rated Joe Scott Motor Co.

      They treated my wife like a queen. Mr Scott made the price i wanted. Wife is happy, so i am happy

    2. buy here pay here Montgomery dealer review by Nathan Hopkins

      Nathan Hopkins rated Joe Scott Motor Co.

      We've been doing business with Joe, John, and Jean for a couple of years now and they are very honest people. Their business has been around for 70 years and is family owned and operated. They are obviously running a business to make money, but they are genuine people that are not out to rip you off in order to make a buck. They price their vehicles right at what they are worth, and you definitely get a great deal on a great running vehicle when you shop with them. They will not sell you a bad car, and they gave us a full warranty for 30 days or 1000mi that covered each vehicle bumper to bumper. Very honest and overall good bunch of people.

    3. buy here pay here Montgomery dealer review by Damien Walker

      Damien Walker rated 2nd Chance Auto Sales

      The staff here was excellent! Joc handled the process quickly and they all treated me like family! Even the service staff was top notch! This is my new place to purchase vehicles. Please come visit the staff here for all your automotive needs!

    4. buy here pay here Montgomery dealer review by Stefvenie Buckner

      Stefvenie Buckner rated 2nd Chance Auto Sales

      I really enjoyed my experience at 2nd chance auto sales. My salesman, slim, was very patient and helpful the entire time I was in contact with him. It didn't take as long as you'd think and I got a car I'm so in love with for a very decent down payment. Love my car note amount too. 2nd chance kinda the sh*t y'all.

    5. buy here pay here Montgomery dealer review by Temeka Jones

      Temeka Jones rated Kredit King Autos

      I just recently purchased a 2013 Hyundai Sonata. I love my vehicle. JR and his brother on law were very helpful every step of the way. Great customer service and they will get you in something no matter what. I would definitely purchase another vehicle from you.... So if you need a car come on to Kredit King and they will most definitely help you out.

    6. buy here pay here Montgomery dealer review by Kenneth  R Huffman Sr

      Kenneth R Huffman Sr rated Kredit King Autos

      The experience was AWESOME, WAS ABLE TO GET MY SON A CAR

    7. buy here pay here Montgomery dealer review by Keesha Jones

      Keesha Jones rated Mills Capitol Auto Sales

      See Scott or Jim for THE BEST DEAL in Montgomery on a used vehicle! We've been customers and friends for nearly 20 years, and there's no place else we'd rather shop for an AFFORDABLE, RELIABLE vehicle. Be honest about your budget and whatever needs you have, and they will help you ride. Then, when you build up your savings, come back and let them get you in a BETTER ride. Mills Capitol Auto Sales is TOPS!

    8. buy here pay here Montgomery dealer review by M

      M rated Mills Capitol Auto Sales

      Couldn't recommend this place more. I've purchased 2 vehicles from them and have been very happy with both. Very fair.

    9. buy here pay here Montgomery dealer review by Roderick Taylor

      Roderick Taylor rated VALERIO’S AUTO SALES

      I love this infinity!!!! ride like a champ, and customer service was really really great. thanks a lot, will recommend to everybody....

    10. buy here pay here Montgomery dealer review by Cornelius Griffin

      Cornelius Griffin rated VALERIO’S AUTO SALES

      The ladies in the main office were so very helpful with finding me the perfect truck. I came in and saw one unfortunately it sold before I got back to get it Mrs. JACKIE went above and beyond to find me a different truck and I must say she did that.

    11. buy here pay here Montgomery dealer review by Kenitha Gipson

      Kenitha Gipson rated American Car Center – Montgomery, AL

      If your in need of a vehicle please go see Tasha Dawson at American Car center. The customer service is great we were in desperate need of a vehicle, she was great at knowing what the needs were for my family of 5. We drove a way that day with a vehicle that was fit for our family. Also thank you Theo for making the process quick and easy!

    12. buy here pay here Montgomery dealer review by Latoya Pettiway

      Latoya Pettiway rated American Car Center – Montgomery, AL

      Greatest place on the planet ask for Toya

    13. buy here pay here Montgomery dealer review by Tryton Taylor

      Tryton Taylor rated Johnny Pearson Auto Sales

      Good place to buy a car. I bought a 2011 Ford Escape, it was good deal. Thank You

    14. buy here pay here Montgomery dealer review by Jill Benson

      Jill Benson rated Johnny Pearson Auto Sales

      Great Customer Service and Prices!

    15. buy here pay here Montgomery dealer review by Benjamin Graham

      Benjamin Graham rated MGM Auto Brokers

      These folks are the real deal. Very professional, respectful, and knowledgeable sales team. As soon as I walked in they treated me and my fiancé like family. Kyle is the best person to deal with. Great people that stand behind the quality vehicles that are on their lot.

    16. buy here pay here Montgomery dealer review by Kris Plunkett

      Kris Plunkett rated MGM Auto Brokers

      I couldn't have asked for better service. I told Matt what I was looking for and he found it and had it delivered the next day.IT WAS EXACTLY WHAT I AKED FOR. Matt and Kyle are the BEST and I HIGHLY RECOMMEND THEM. Thanks for listening to what I wanted.

    17. buy here pay here Montgomery dealer review by Marie Waters

      Marie Waters rated Troy Automotive Group

      Love them to peice's.We got a new Ram there, when everyone else just didn't want to help us.Thank you Me.Eric and all the others that helped.God Bless.

    18. buy here pay here Montgomery dealer review by Taylor Ward

      Taylor Ward rated Troy Automotive Group

      I absolutely love this place! I have now bought two vehicles from here. A car and a truck. They are very friendly, informative, and professional. Both times I went not knowing exactly what I wanted, and left with something I loved. If I could give more than 5 stars I would! Great job guys.

    19. buy here pay here Montgomery dealer review by Jewelia Bowden

      Jewelia Bowden rated Auto Mart

      I delivered a pizza here and the staff were very friendly and professional. This seems like a great place to do business.

    20. buy here pay here Montgomery dealer review by Ella Brown

      Ella Brown rated Auto Mart

      Loved it everyone so nice and friendly and helpful keep up the good work

    21. buy here pay here Montgomery dealer review by Lisa Lisenby

      Lisa Lisenby rated Budget Car and Truck Sales of Montgomery

      Budget was great! They managed to get me into a car, when my credit is not the greatest. They made the process very easy and I appreciate all the work they did for me.

    22. buy here pay here Montgomery dealer review by Steve

      Steve rated Budget Car and Truck Sales of Montgomery

      Justin was very helpful, nice selection

    23. buy here pay here Montgomery dealer review by Jackqalyn Virgin

      Jackqalyn Virgin rated Holmes Motors Montgomery

      Terreon was awesome! Very helpful and knowledgeable of the vehicles on site worked out a great down payment for me and was very customer friendly. Go see “T” if you are looking for a great car buying experience.

    24. buy here pay here Montgomery dealer review by Lashawn Moten

      Lashawn Moten rated Holmes Motors Montgomery

      Love it great cars at a great price

    25. buy here pay here Montgomery dealer review by Phyllis Richey

      Phyllis Richey rated Ralph Smith Motors Inc

      Great dealership and the cars are in good condition, and they run great.I've had my car a year with no problems and minimum maintenance. I recommend them highly. You can't find better customer service.

    26. buy here pay here Montgomery dealer review by Breonna Alexander

      Breonna Alexander rated Ralph Smith Motors Inc

      We have bought 2 vehicles from Ralph Smith. Their customer service is the best we have seen in Montgomery! EXCELLENT STAFF and great customer service. I would definitely recommend them! We had no issues with neither of the cars that was purchased! The minor issue we had with our second car which was the motor in the seat, it went out and they replaced it the same day! Go to Ralph Smith. No one else can compare to them in my opion. Go see Charles and tell him Bre and Mike sent you!

    27. buy here pay here Montgomery dealer review by Kristy Jackson

      Kristy Jackson rated Ellis Motorcars Inc

      My husband and I went to Ellis Motors yesterday after a week of going to places who wanted 1500 down on a car that barely ran. We were discouraged and beyond tired of dead end places here in Montgomery to buy a car. But when we walked in Ellis we were immediately greeted by a very friendly man who we later found out was in his first day as a car salesman. He helped us fill out the application, walked to look at cars with us and gave us his insight on which vehical would best fit our needs and even played ball with our 2year old son while we filled out paperwork. His boss worked with us on the numbers and was able to work with us and meet all of our needs. Now after what we thought would be a never ending search, we are driving a 2004 GMC envoy and we couldnt be happier! The car is clean interior very well kept and all of the cars on the lot are in great condition. They arent a 500 down car lot for sure but if you put 900 to 1500 down u can be sure you will get a low milage dependable and great looking car with a company that will work with you and make anything possible for you and your financial needs. I HIGHLY recommend them for your next car! Thank you Ellis Motors!

    28. buy here pay here Montgomery dealer review by OG Ricardo

      OG Ricardo rated Ellis Motorcars Inc

      Great people !

    29. buy here pay here Montgomery dealer review by Mike Tice

      Mike Tice rated Daniel Motor Company Inc

      Good people 3rd vehicle.

    30. buy here pay here Montgomery dealer review by Trina Bimbo

      Trina Bimbo rated Daniel Motor Company Inc

      Daniel Motor love them got my 2008 Yukon XL from them really enjoying my truck this my second SUV from them I recommend everyone get their vechicle from them nice selection of vechicles and what great they give you 2 year warranty.?

    31. buy here pay here Montgomery dealer review by Mark Martin

      Mark Martin rated Ralph Smith Motors Inc

      I have bought 2 vehicles from Ralph Smith motors and have been satisfied with them. I always want an older vehicle. Don't like all the technology on the late models. Payments and money down is straight forward. Last car I bought over the phone. I will continue to do business with Ralph Smith Motors.

    32. buy here pay here Montgomery dealer review by Bebop

      Bebop rated Ralph Smith Motors Inc

      Very friendly customer service. Very honest and helpful! Would recommend! 5 stars!!!!!

    33. buy here pay here Montgomery dealer review by Andrew Caldwell

      Andrew Caldwell rated Fountain City Imports

      I only have good things to say about these guys, my wife and I have been costumers twice and we had no problems. First time I didn't have entire cost of the car, they allowed me to finance the rest. Second was a cash deal, good little car. Real Good People To Deal With. Hey guys I need e small SUV soon hope you have some.

    34. buy here pay here Montgomery dealer review by Mary Samuel

      Mary Samuel rated Fountain City Imports

      Great cars, really comfortable atmosphere. The cars really are serviced before they sell as my mechanic checked 2 cars and they both were great but I had to go with my heart and choose the Camry. Price was several thousand below competitors so my bank liked that:).

    BHPH Montgomery AL dealer

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