Top 17 Buy Here Pay Here Dealers in Naperville IL

Looking for a used car dealer in Naperville IL but your credit is in bad shape?

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

  • Enterprise Car Sales, IL

  • Continental Acura of Naperville, IL

  • Aurora Auto Center Inc, IL

  • Bill Jacobs Volkswagen, IL

  • Mercedes-Benz of Naperville, IL

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

  • Jaguar of Naperville, IL

  • CarMax, IL

  • Magana Auto, IL

  • Prestige Motor Works Certified Used Cars and Auto Repair, IL

  • The Used Car Superstore, IL

  • Did you know? These BHPH Naperville IL 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 Naperville 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.

  • Smart Buy Auto Center Corp, IL

  • DJR Auto Sales, IL

  • Credit Approval Auto Group Inc, IL

  • Naper Motors, IL

  • Smart Buy Auto Center Corporation, IL

  • The phrase buy here pay here Naperville IL 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. Naperville 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.

  • U Save Autos, IL

  • Ayala Auto Sales, IL

  • Why buy here pay here Naperville IL 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 Naperville IL 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 Naperville IL 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 Naperville IL Works

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

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

    The buy here pay here Naperville IL 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 Naperville IL 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 Naperville IL 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 Naperville IL

    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 Naperville IL

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

    While buy here pay here Naperville IL 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 Naperville IL 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.

    Naperville IL buy here pay here Reviews

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

    1. buy here pay here Naperville dealer review by Melody Jensen

      Melody Jensen rated Enterprise Car Sales

      The entire team (sales, finance) was wonderful! We walked in on a busy afternoon with an idea of what we were looking for (from the website), had our sales rep show us several options and let us test drive (without him!). The finance team help us out with financing options that fit our budget. The process took us past closing time, but no one ever rushed us. I was very happy with the experience and will definitely consider going back again.

    2. buy here pay here Naperville dealer review by Keyhana Evans

      Keyhana Evans rated Enterprise Car Sales

      Tobias King was truly the best help in searching for another car. I had been shopping around and didn’t have the best luck. He is the best sales rep to get you the best deal and in a vehicle that is suitable for you! I recommend him to anyone!

    3. buy here pay here Naperville dealer review by Mark Bradford

      Mark Bradford rated Continental Acura of Naperville

      I have been buying from Continental Acura since 2007. When looking for a used car this year they did not have what we wanted in inventory so we checked out several other dealers in the region, and the difference was dramatic. No smarmy sales games here. Continental Acura has authentic people who take time to connect with you as a person. Ernie and Renato were exceedingly patient with me (I admit that I was being extremely picky) and they did not give up until they put us into the car that was perfect for us. Five stars does not seem like enough!

    4. buy here pay here Naperville dealer review by David Fiday

      David Fiday rated Continental Acura of Naperville

      I just bought my second RDX on 8-28-17. A great day! My first experience in 2015 made me realize there was no other place to buy my new one. I got an invite to upgrade to RDX 2018, the prices were right, they made me a deal I could not refuse. Ernie and Renato and Jerry were the best. The signing ceremony only took 8 minutes-- perhaps a record. I test drove a red and a white. I went with the white. Ernie helped pair my iPhone, gave a run through on features and I was out of there with a new vehicle. My service in the past two years was spot on. Chris and all the guys put forth the best effort. My son-in-law told me to try them and I liked it. Had a friend who also bought all his cars there. The Continental Team will ensure a great experience. Tell 'em David sent you!

    5. buy here pay here Naperville dealer review by Judith Chavez

      Judith Chavez rated Aurora Auto Center Inc

      Best used car dealership in Aurora, great customer service and always willing to guide financially. Providing the Carfax and extended warranties for all their vehicles.

    6. buy here pay here Naperville dealer review by NAYELI AGUILAR

      NAYELI AGUILAR rated Aurora Auto Center Inc

      Bought a 2008 chevy impala. ... car is great!! Haven't had any major problems with it!

    7. buy here pay here Naperville dealer review by Ruben Perez

      Ruben Perez rated Bill Jacobs Volkswagen

      Great service and sales person. Josh was absolutely clear and professional with my particular needs. Josh is your guy a great deal and experience with everything you need in purchasing a new vehicle. Everyone I interacted with were absolutely pleasant. Great customer service.

    8. buy here pay here Naperville dealer review by Lauren Spaccapaniccia

      Lauren Spaccapaniccia rated Bill Jacobs Volkswagen

      I was so thrilled with the team at Bill Jacobs! We worked directly with Chris across 2 visits and he was amazing. He was patient, understanding, and worked with us on every question or concern we had during our car buying process. In the end, we walked out with a 2020 Atlas Cross Sport and couldn’t be happier! Highly recommend Chris and the rest of the team at Bill Jacobs!

    9. buy here pay here Naperville dealer review by Jeremy Panicker

      Jeremy Panicker rated Mercedes-Benz of Naperville

      If you have to take your car in, go see FRANK!! Frank has done an AMAZING job from front to back, inside and out on the car! He tried to make sure we got all the important issues cleared up and found things I didn't know I had which he had made sure it was covered and from a cost perspective he had given me DRASTIC discounts. Frank is definitely an AMAZING ambassador for MB of Naperville! THANK YOU SO MUCH!!

    10. buy here pay here Naperville dealer review by Venkata Majeti

      Venkata Majeti rated Mercedes-Benz of Naperville

      great place to buy Mercedes, return for service. staff treats customers as friends :)

    11. buy here pay here Naperville dealer review by Alberto Machado

      Alberto Machado rated Jaguar of Naperville

      I just leased a New 2019 I-Pace and was extremely pleased with the involvement of Steve Heinrich in answering all my questions about the Electric Vehicle (EV) that was interested in. Steve did an outstanding job to locate a car that was already in the U.S. with the options that I needed. Steve was knowledgeable with all the details about the new car. After decades using gasoline combustion engines, I decided to go "emission free" and contribute zero grams of CO2 to the atmosphere. Dan Loose, the General Manager was instrumental in putting together a deal that was what I needed. Both Dan and Steve had no pressure to close the deal and were very professionals. I highly recommend anyone looking for a Jaguar or Land Rover to talk to Steve.

    12. buy here pay here Naperville dealer review by Alex Koshevoy

      Alex Koshevoy rated Jaguar of Naperville

      It was excellent, time saving and very pleasant process of purchasing new car for our family. No hidden fee, fully trusted stuff.. Special thanks to Roy Smith - great customer service. All team very professional. Highly recommended.

    13. buy here pay here Naperville dealer review by Coushatta Tyler-Darbonne

      Coushatta Tyler-Darbonne rated CarMax

      I ALWAYS have a great experience with CarMax of Naperville I'm ALWAYS in and out (I make an appointment of course) and the staff is so wonderful. I like to have my usual conversation with them when coming to get serviced.

    14. buy here pay here Naperville dealer review by John Pilizota

      John Pilizota rated CarMax

      The CarMax experience was very enjoyable. The staff was friendly, professional and very transparent. The car I wanted to try had to be transferred from another location, I was always kept in the loop on progress. We traded in a vehicle - that was also pain free. We will be using CarMax again!

    15. buy here pay here Naperville dealer review by Yolii Bueno

      Yolii Bueno rated Magana Auto

      I bought my second car in this location they wer very helpful I got a great white Nissan Rogue 2010 for a great price n I had great customer service i am very satisfied n happy with my new car ?

    16. buy here pay here Naperville dealer review by Melissa Gorski

      Melissa Gorski rated Magana Auto

      Loved how they worked with us, holding the truck for me and then a few days later waiting for us to drive the 3 hours to get there

    17. buy here pay here Naperville dealer review by Temitope Alade-Lambo

      Temitope Alade-Lambo rated Prestige Motor Works Certified Used Cars and Auto Repair

      I just got one of the 2017 Hyundai Elantras, John was very honest and helpful and made sure i got a very good interest rate. car has been smooth so far so good. would definitely come back later when i'm ready to upgrade my car

    18. buy here pay here Naperville dealer review by Damon Jordan

      Damon Jordan rated Prestige Motor Works Certified Used Cars and Auto Repair

      I love my beautiful new car. It came on to the lot when I was just browsing. It was in rough shape but it was exactly what I wanted. I had a wonderful salesman. I got a great price along with his assurance that I would be much happier when I saw the car again. I was not disappointed. Thanks, Prestige Motors.

    19. buy here pay here Naperville dealer review by Kimberly Nabzdyk

      Kimberly Nabzdyk rated The Used Car Superstore

      J. D. is the best! I found the car shopping experience I was looking for with him. He was very professional, personable and informative, yet he allowed me to take all the time I needed to make sure I saw the car thoroughly. He was willing to negotiate and was just easy-going to work with. There was absolutely no hassle and no stress involved. I was smiling my whole drive home in my new car. This is definitely the place to go if you're tired of car sale-induced headaches!

    20. buy here pay here Naperville dealer review by Joanne Lobedica

      Joanne Lobedica rated The Used Car Superstore

      We visited the place May 18 cuz I really liked this Honda CRV 2011 but we were in a hurry that time cuz family was going somewhere came back May 21 and just looking at CRVs yet ends up buying Honda Accord Crosstour EX L 2010 4wd it looks pretty neat I like that it has navigation, leathered heated seats, very spacious. I fell in love with it so as my family so I end up getting it. David the sales consultant was pretty accomodating & so as the other staffs very friendly and it didnt take so long for us to get out & brought the car the same day. Highly recommended for first time buyers, like me, you'll get good deals as well as those that are looking for great reliable, cool looking cars at a very reasonable prices depending on your budget. Really appreciate you guys thank you! Looking forward to driving to places with my first time ever purchased car.

    21. buy here pay here Naperville dealer review by lori leleika

      lori leleika rated Smart Buy Auto Center Corp

      They went beyond any other car dealer for me with their integrity. And I deal with A LOT of car dealers.. highly recommend

    22. buy here pay here Naperville dealer review by Sharon  Varvarezos

      Sharon Varvarezos rated Smart Buy Auto Center Corp

      My new go to place for car shopping. They TOTALLY took care of my daughters first car buy experience, highly recommend you stop by there when you need a used car...

    23. buy here pay here Naperville dealer review by Sul Good

      Sul Good rated DJR Auto Sales

      Overall experience was fantastic. I took my adult son there to purchase / finance his first car and Frank was very accommodating. Additional feedback on Frank is all positive. He is fair and not high pressure whatsoever. Thank you!

    24. buy here pay here Naperville dealer review by Joseph Felix

      Joseph Felix rated DJR Auto Sales

      Great place to buy a good reliable car. They worked with me to give me the best lowest interest rate for a loan. I bought from them last year and i have had no problems at all. I would recommend this to anyone who is looking for a good reliable car with low interest. They are really friendly.

    25. buy here pay here Naperville dealer review by krystal Gurley

      krystal Gurley rated Credit Approval Auto Group Inc

      Great people always will to help u in any way thanks guys went to everything to help me drive away in a car and I did :)

    26. buy here pay here Naperville dealer review by Michelle Chatman

      Michelle Chatman rated Credit Approval Auto Group Inc

      I love this place I got my car with no hard time or hassles very friendly and they work with you

    27. buy here pay here Naperville dealer review by Bill Loumbardias

      Bill Loumbardias rated Naper Motors

      Quality Pre-Owned Vehicles

    28. buy here pay here Naperville dealer review by Khrisat Logistics

      Khrisat Logistics rated Naper Motors

      We bought 2 trucks from Naper Motors for our business and both trucks runs great and the process was very easy.

    29. buy here pay here Naperville dealer review by Tabitha Carwile

      Tabitha Carwile rated Smart Buy Auto Center Corporation

      Was absolutely amazing and helped us more then we would ever of expected. We appreciate everything you guys done for us and helping us purchase our car. I highly recommend them to anyone. Absolutely amazing people.

    30. buy here pay here Naperville dealer review by yoshelin toral

      yoshelin toral rated Smart Buy Auto Center Corporation

      Very nice and professionals

    31. buy here pay here Naperville dealer review by Luis Monte

      Luis Monte rated U Save Autos

      I seen the car i wanted online i came by to check it out.. Terry was kool, handed me the keys let me start her up.. Answered any questions i had about the vehicle, than let me take a test drive.I ended up purchasing the car.. Its been two month and i haven't had any issues.. I would definitely do business with Terry again.

    32. buy here pay here Naperville dealer review by Dj Ellis

      Dj Ellis rated U Save Autos

      Awesome people. Bought two cars from here, they always fixed any issues before we drove it off the lot. Prices are spot on and they’re great quality cars. Will be buying out third from here!

    33. buy here pay here Naperville dealer review by Jane Sickler

      Jane Sickler rated Ayala Auto Sales

      My son bought a truck here last week and then my daughter bought a car here a few days later. Great guys working here...they go out of their way to help people and also make you feel at home. The cars and trucks are great quality!! A one service!!

    34. buy here pay here Naperville dealer review by kevin johnson

      kevin johnson rated Ayala Auto Sales

      Victor was very helpful and I will go back and deal with him

    BHPH Naperville IL dealer

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