Top 15 Buy Here Pay Here Dealers in Newark NJ

Looking for a used car dealer in Newark NJ but your credit is in bad shape?

Connect with top 15 buy here pay here Newark NJ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Newark'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 Newark NJ

  • NJ buy here pay here dealerships, NJ

  • POPULAR AUTO MALL INC, NJ

  • Simon Auto Group, NJ

  • Brick City Motors, NJ

  • Chepos Auto Sales, NJ

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

  • Champion Auto Sales 2, NJ

  • Champion Auto Sales, NJ

  • US Auto Wholesalers, NJ

  • E Mecca Auto Sales, NJ

  • Springfield Auto Group, NJ

  • Did you know? These BHPH Newark NJ 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 Newark 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.

  • Mirage Auto Sales, NJ

  • Rallye Motors, NJ

  • Goble Used Auto Sales, NJ

  • Merits Auto & Vans Sales, NJ

  • Chepo’s Auto Sales, NJ

  • The phrase buy here pay here Newark NJ 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. Newark 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.

    Why buy here pay here Newark NJ 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 Newark NJ 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 Newark NJ 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 Newark NJ Works

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

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

    The buy here pay here Newark NJ 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 Newark NJ 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 Newark NJ 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 Newark NJ

    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 Newark NJ

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

    While buy here pay here Newark NJ 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 Newark NJ 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.

    Newark NJ buy here pay here Reviews

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

    1. buy here pay here Newark dealer review by Judy Powell

      Judy Powell rated NJ buy here pay here dealerships

      Great place to buy per-owned car!

    2. buy here pay here Newark dealer review by Anthony Gaccione

      Anthony Gaccione rated POPULAR AUTO MALL INC

      Very pleasant people to work with. They go out of their way for you. Yes they actually came and pick me up three towns away to come pick up my new baby 2013 Cadillac Escalade thank you guys very much highly recommended

    3. buy here pay here Newark dealer review by Big Muslim

      Big Muslim rated POPULAR AUTO MALL INC

      Nice and affordable cars.

    4. buy here pay here Newark dealer review by Asia Crawford

      Asia Crawford rated Simon Auto Group

      Anthony is absolutely excellent. He really helped me get into the car I wanted, but most importantly made sure the car fit my budget and was affordable for me. It's a great family atmosphere with very friendly and helpful people!!! I will never get a car from anyone else!!!

    5. buy here pay here Newark dealer review by Tiffane Bowman

      Tiffane Bowman rated Simon Auto Group

      I thought I wasnt going to drive off the lot with a car when I came her because I had been turned down from othe car dealerships. But this is very good place that helped me get the car I wanted. Very friendly and nice staff. If you want a car and everyone else is saying no come here you will drive off with a new car.

    6. buy here pay here Newark dealer review by Johnny Ruggeri

      Johnny Ruggeri rated Brick City Motors

      Well here I am from Newark NJ to Tucson Arizona n now moved to Great Bend PA...all this driving since March 2018... .THANK YOU BRICK CITY MOTORS!!!.. OUR 2005 KIA SORENTO XL IS THE BEST!!!! you guys have helped us so much by selling us such a wonderful car...1yr n 8 months later...over 23,000 miles...we are extremely grateful for the car you sold us!!! Cyrus!! You the man!! From Jersey to the Arizona desert to the snow in Pennsylvania...OUR KIA ROCKS!!!???????????? Have a Merry Christmas ?? Debby Watson n Johnny R.

    7. buy here pay here Newark dealer review by Sandy Godfrey

      Sandy Godfrey rated Brick City Motors

      The service was good, even though it was a long wait it was worth it. Our sales rep Gary and his finance manager worked wonders for us. We bought our very first car today 2014 dodge durango and it's amazing. I highly recommend people to go there and ask for Gary.. you won't be disappointed !

    8. buy here pay here Newark dealer review by Mehmet Yildiz

      Mehmet Yildiz rated Chepos Auto Sales

      Awesome experience. The people here are very polite, and take their time answering any AND all questions. The service is almost as homely as their smiles and attitudes.

    9. buy here pay here Newark dealer review by Luz Sosa

      Luz Sosa rated Chepos Auto Sales

      I got my car there 2 years ago and my baby is still running like a champ. I never had problem with Ali or any of the staff anything I needed he looked me out since the minute I walked in to the lot. I didn't even have to walk in there to make payments . He took my payments right over the phone. Great deals all the time . Great customer service.... Highly recommended Chepo's Auto Sales.

    10. buy here pay here Newark dealer review by Todd Donald

      Todd Donald rated Champion Auto Sales 2

      This place was hands down the best place to buy a car!!!! Justin is awesome! The other guy is cool too. I don't have the best credit but was still treated with understanding and respect. I truly couldn't have asked for a better car buying experience. I love my car (and so does my girl). Thank you Justin!!

    11. buy here pay here Newark dealer review by Roselind Alvarado

      Roselind Alvarado rated Champion Auto Sales 2

      I went in yesterday with my husband Omar and found my Jeep. I got a fair price for it. Zayne was our sales person and he was just great. I left so happy with my truck. Thank You so much.

    12. buy here pay here Newark dealer review by Elvin Martinez

      Elvin Martinez rated Champion Auto Sales

      Great Dealership! I was iffy at first but as soon as i spoke to Quincy he gave me a warm welcome and told me its possible!! I was instantly hooked and i trusted this guy to help me out in this process in buying the car that i now own! I highly recommend anybody and everybody to give this place a look and chance because you actually might find what you want! Thank you champion! Thank You Quincy an Gino

    13. buy here pay here Newark dealer review by Dominick Moresco

      Dominick Moresco rated Champion Auto Sales

      Great place great prices. Quality cars and trucks. Works with anyone. No credit, bad credit, repos, bankruptcies. Anyone can get a loan. Kevin and mike thanks alot for the new wheels. Happy with the purchase

    14. buy here pay here Newark dealer review by Kristina Zavorksy

      Kristina Zavorksy rated US Auto Wholesalers

      I was looking for a specific Audi model and US Auto had available. They were very supportive and took care of me the whole way. Not to mention they gave me a good deal for the car I wanted, and the car was in very good condition. I highly recommended them!

    15. buy here pay here Newark dealer review by Brandon Walton

      Brandon Walton rated US Auto Wholesalers

      Professional.. Reasonable.. Outstanding.. service, had this Beamer over a year now, no service issues. Going back for the second as soon as this corona thing is over. Called in right before it started and was greeted like I bought the car yesterday.. if ur not buying from here then just get it brand new..

    16. buy here pay here Newark dealer review by Charles Brown

      Charles Brown rated E Mecca Auto Sales

      They are under new management and it's a completely different operation there then what it was before. Great showmanship and super friendly. Staff is honest and they have excellent cars. They really work with you and treat you like family. I recommend anyone to come here and check them out

    17. buy here pay here Newark dealer review by colleen coldon

      colleen coldon rated E Mecca Auto Sales

      Mohammed was very helpful and I’m thrilled that I did business. He answered all my questions and was prompt. I think he was fabulous and I look forward to doing business in the future with him

    18. buy here pay here Newark dealer review by randy miles

      randy miles rated Springfield Auto Group

      The best car buying experience ever! Victor my sales rep was great honest to the point and has a great sense of humor! I would definitely buy another vehicle at Springfield auto group

    19. buy here pay here Newark dealer review by nick nelson

      nick nelson rated Springfield Auto Group

      I found the car I want for a good price and the monthly payment I can afford. Excellent customer service, they really worked with me.

    20. buy here pay here Newark dealer review by Kenny James

      Kenny James rated Mirage Auto Sales

      Nice selection of quality vehicles, the people their will definitely work with you to get a vehicle.

    21. buy here pay here Newark dealer review by Kevin Santos

      Kevin Santos rated Mirage Auto Sales

      This man sell the best ve-hicles ! I got me a truck with shiny wheels on it and everything

    22. buy here pay here Newark dealer review by branden_ NWK14

      branden_ NWK14 rated Rallye Motors

      Excellent service and overall great experience. No pressure or sales talk just straight to the point answers to our questions. Ray and Amy who assisted us was extremely personable and very easy to work with. He understood what we were looking for and made sure we were fully satisfied with our purchase. I was very impressed with level of professionalism and friendliness of the staff.

    23. buy here pay here Newark dealer review by YASMIR JUDD judy

      YASMIR JUDD judy rated Rallye Motors

      I love this place ! They treat you like your family :) , & make sure you leave satisfied :) , I would recommend that everyone should go there , there prices are reasonable , they help get into something even if your credit is bad :) , The staff is superrrrr friendly ! Go NOW and check out RALLYE MOTORS if you are in the market for a vehicle you will not be disappointed ask for Amy

    24. buy here pay here Newark dealer review by Bárbara Monteiro

      Bárbara Monteiro rated Goble Used Auto Sales

      I was very welcomed by the car seller and they offered me the best prices, and warranties. I would highly recommend them.

    25. buy here pay here Newark dealer review by richie ramos

      richie ramos rated Goble Used Auto Sales

      Great prices , services , and finances !

    26. buy here pay here Newark dealer review by kadii kangar

      kadii kangar rated Merits Auto & Vans Sales

      Sam was excellent. He was very friendly and helpful my dad got his car from United Auto sales and I followed in his footsteps! Thanks Sam and thanks United Auto sales.

    27. buy here pay here Newark dealer review by Lorraine Woodridge

      Lorraine Woodridge rated Merits Auto & Vans Sales

      Stopped for help with hubby's truck. Edwin(hopefully correct name)was very helpful and friendly.? Then I saw THE SRX! Looks great and good price. Edwin gave me important info. I may have a look.? never dealt with this dealership but is promising.

    28. buy here pay here Newark dealer review by Juan Gomez

      Juan Gomez rated Chepo’s Auto Sales

      I've bought 6 vehicles from these guys, and all 6 times hassle free! Considering they are a used car dealer the great attention was and is still there. I just bought a VW GTI for my son which I'm driving down to Georgia. I trust I'm going to have another good experience with this dealership. My daughter's first car was also from this place. I'm putting the safety of my kids in the hands of Steve, Ali and staff. NOT disappointed.

    29. buy here pay here Newark dealer review by Luz Sosa

      Luz Sosa rated Chepo’s Auto Sales

      I got my car there 2 years ago and my baby is still running like a champ. I never had problem with Ali or any of the staff anything I needed he looked me out since the minute I walked in to the lot. I didn't even have to walk in there to make payments . He took my payments right over the phone. Great deals all the time . Great customer service.... Highly recommended Chepo's Auto Sales.

    BHPH Newark NJ dealer

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