Top 20 Buy Here Pay Here Dealers in Norman OK

Looking for a used car dealer in Norman OK but your credit is in bad shape?

Connect with top 20 buy here pay here Norman OK car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Norman'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 Norman OK

  • Express Credit Auto, OK

  • The Pickup Shop, OK

  • Ricky Stapleton Autos, OK

  • Bob Moore Nissan Of Norman, OK

  • CarMax, OK

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

  • Reynolds Ford of Norman, OK

  • Landers Chevrolet of Norman, OK

  • Ferguson Buick GMC, OK

  • Fowler Volkswagen of Norman, OK

  • Fowler Toyota, OK

  • Did you know? These BHPH Norman OK 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 Norman 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.

  • Mike Marrs Auto Sales, OK

  • Womack Auto Sales, OK

  • Big Red Sports / Imports, OK

  • AutoMax Hyundai Norman, OK

  • Wheels of Norman, OK

  • The phrase buy here pay here Norman OK 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. Norman 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.

  • Landers Chrysler Dodge Jeep Ram of Norman, OK

  • Oklahoma Motorcars, OK

  • Oklahoma Motorcars, LLC, OK

  • Wholesale Auto, OK

  • David Stanley Used Car Supercenter, OK

  • Why buy here pay here Norman OK 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 Norman OK 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 Norman OK 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 Norman OK Works

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

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

    The buy here pay here Norman OK 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 Norman OK 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 Norman OK 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 Norman OK

    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 Norman OK

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

    While buy here pay here Norman OK 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 Norman OK 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.

    Norman OK buy here pay here Reviews

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

    1. buy here pay here Norman dealer review by Sierra Lusch

      Sierra Lusch rated Express Credit Auto

      My experience here has been amazing. I was approved to be financed within about 20 minutes, the staff is welcoming, honest, and extremely helpful. I highly recommend the gentleman that helped me, Ryan. He did all he could to get us into a vehicle we were happy with, and even took all the time we needed to find a payment that worked with our income and lifestyle. 10/10 a great experience.

    2. buy here pay here Norman dealer review by taylor butler

      taylor butler rated Express Credit Auto

      Got me a car

    3. buy here pay here Norman dealer review by Amber Mateos

      Amber Mateos rated The Pickup Shop

      John is the best car salesman ever. He helped me get a new car with low miles and it fully loaded. He explained everything in detail about the car like it has 0% interest. And only 300 a month you can't beat that. This was the best experience I've ever had on getting a car.. when you need a great reliable transportation with low miles this is the place to go and I only had to put 1200 down.. Thanks again John your the real MVP.

    4. buy here pay here Norman dealer review by Loren Shreffler

      Loren Shreffler rated The Pickup Shop

      Great price And reliable vehicles

    5. buy here pay here Norman dealer review by Mel Alex

      Mel Alex rated Ricky Stapleton Autos

      First time buyer here at this lot. We called on an add we saw and came in! The car was everything in the add and more. Clean, well cared for and after the test drive, we were sold. No hassle or haggle. Everything was casual. We went in, looked at the vehicle and we took the bill of sale to the credit union. We came back to bring the bank draft and were handed the keys after a few signature in 5min. The paper tag was already on the vehicle. The service was fast, friendly and easy. Thank you Dave. ? We will be back if the need come .

    6. buy here pay here Norman dealer review by Justin Jones

      Justin Jones rated Ricky Stapleton Autos

      Very quick very easy zero stress and extremely respectful business. In and out with my new ride in record time for me. Greatly recommend if you find a car there you like these people will work with you.

    7. buy here pay here Norman dealer review by Kyle Ann Shipley

      Kyle Ann Shipley rated Bob Moore Nissan Of Norman

      Everyone that I met and dealt with at Bob Moore Nissan was amazing to work with. They(James, Jessie, Michael, Mark) went out of their way to accommodate my needs and wants to get me a good deal and take care of the little extras all the way through. I wanted an easy and no-nonsense approach and I got it here...the process was painless. I would definately buy another car from them.

    8. buy here pay here Norman dealer review by Sarah Murdoch

      Sarah Murdoch rated Bob Moore Nissan Of Norman

      I came to the dealership with no hope and low expectations and honestly thought I was wasting my time. I met with my salesman, Charlie, who with his supervisor Scott, put me at ease and gave me a transparent assesment of my situation and how they could help me. They were both very welcoming and upfront, which I appreciate, and helped me completely understand the process of purchasing my car. Adrian, from finance, was equally welcoming and was very informative and funny. He made sure that I understood the finance process and gave me information and advice on strategies I can use, not only to improve my credit, but make sure that I mitigate my negative equity in the future. Jerold went over the vehicle systems and features with me. He helped me familiarize with the car was easy and entertaining. This is the best car buying experience I have ever had and I look forward to going back to Bob Moore Nissan for future car and truck purchases. Need a new vehicle? I'm telling everyone to go buy or least from the team at Bob Moore.

    9. buy here pay here Norman dealer review by Dustin

      Dustin rated CarMax

      Best place to buy a car! We were in and out in under 2 hours and that included them appraising my old car, test driving it and paperwork. If you don't want to haggle, or just want to sell yours they'll give you an offer good for a week.

    10. buy here pay here Norman dealer review by Nikki House

      Nikki House rated CarMax

      Wonderful Experience!!! Tipping my hat to Gabe and two fantastic sales reps who both happen to be named Chris. All the way around a stress free and phenomenal experience :-)

    11. buy here pay here Norman dealer review by Emily Williams

      Emily Williams rated Reynolds Ford of Norman

      My salesman Martin is my jam and helped me find an awesome vehicle at an awesome price! He was extremely helpful and was never pushy. I kept waiting to get screwed around since that has been my experience with car dealerships over the last 10 years but it never happened! Shawn in the finance office was also very helpful and never pushy. Reynolds Ford made my purchase of a vehicle simple and stress-free. I even got a great rate on my "new" used car. I definitely recommend Reynolds Ford!

    12. buy here pay here Norman dealer review by Steve Young

      Steve Young rated Reynolds Ford of Norman

      Came here after months of off/on searches. After researching and price comparison and visiting several dealers, I landed here at Reynolds. This place was just as excellent as one would want. Salesman and I had been in talks for about a week prior. Be cautious as others were quick to earn a strike from me, I decided to come and purchase. No hidden tricks, no changes to prices, vehicle was easily found on lot. The honesty and transparency was amazing. Will recommend and purchase from here again when necessary. Thanks Tyler and Jarod

    13. buy here pay here Norman dealer review by Vanessa  Thurman

      Vanessa Thurman rated Landers Chevrolet of Norman

      Devon made it very easy when dropping my car off for it to be serviced. He helped me locate coupons and discounts even to the point checking my warranty and everything in order to save me money. I appreciated the time he took out for me to make sure I had a service vehicle for my convenience so I can continue my day. While they took care of my vehicle. He work to my schedule even when it came to picking my vehicle up I appreciated him getting me schedule ahead of time to finish the maintenance in the service work before my warranty ran out. Everything is 120% I appreciate Devon was truly great

    14. buy here pay here Norman dealer review by S Y

      S Y rated Landers Chevrolet of Norman

      Booked this car through Landers Chevy in Norman in July, 2019 and got it delivered to my house last week - March 2020. Had one of the best customer service that you can get from a dealership. The professionals who helped me the best were - Josue Selgado, Shawn Groff and Jo Holley. Thank you all.

    15. buy here pay here Norman dealer review by mariane Griffith

      mariane Griffith rated Ferguson Buick GMC

      Very nice and helpful. Randy, Terry, and Matt got me in a car that kept my payment where I could afford it.

    16. buy here pay here Norman dealer review by Bethany Arthur

      Bethany Arthur rated Ferguson Buick GMC

      I just bought a Pontiac Torrent and was treated with the fastest and friendliest service by Tommy Duvall. . I have never been into a dealership before that it didn't take all day sometimes even days just to get a good number we all agreed on until I came to Ferguson. Tommy did an excellent job and has us in and out with no time wasted so definitely ask for him when visiting Ferguson.

    17. buy here pay here Norman dealer review by Christian Sangree

      Christian Sangree rated Fowler Volkswagen of Norman

      Best experience I’ve ever had at a dealership. My car was serviced professionally, good communication, a clean nice loaner was provided and received my car back even better than I delivered it. Thanks, Dave, Justin, and team! Appreciate y’all!

    18. buy here pay here Norman dealer review by Jennifer Combs

      Jennifer Combs rated Fowler Volkswagen of Norman

      I love Fowler Volkswagen of Norman!!! This place is awesome. If there ever was a place to purchase a Bug, this is the place. They have one of the biggest inventories of Bugs in Oklahoma.New or used. From convertible, to sun roof to panoramic roof. You have choices. They also carry Passats, Jettas, Golfs just to name a few. The lot is big considering it sits on 'the mile of dealerships' in Norman. There is a gift shop on the inside and a HUGE tv to watch while you wait. Fun Fact: Fowler Volkswagen of Norman has one of the largest keys sitting outside the enterance. Service Department is seriously amazing. For being slightly understaffed, they work hard to bend over backwards for their customers. They work hard for they do and are extremely knowledgeable. Sometimes there is a wait. But you can't rush greatness and to be completely fair, if it takes an extra day to have the problem fixed the first time, then so be it. Family safety is number one priority. The sales team does a fabulous job at finding the right car for you so 6 months down the road you will still be happy with your purchase. All in all, this place is the best. I highly recommend for both service and sales.

    19. buy here pay here Norman dealer review by Jeff Draude

      Jeff Draude rated Fowler Toyota

      We bought are first Toyota Avalon 2020 great place to buy a car are salesmen Jake was knowledgeable not pushy or overbearing pleasant to deal with A good selection to pick from in Vehicles. And they are wanting to give you good deal.

    20. buy here pay here Norman dealer review by Eric Smith

      Eric Smith rated Fowler Toyota

      I purchased a 2020 Toyota Tundra from Fowler Toyota in Norman, OK. Ryan Banks was an exceptional salesman during this process. He did everything possible to keep the process quick and fair. He was patient and considerate during the negotiation process. My wife and I were treated very well. I would highly recommend him as the person to contact at Fowler Toyota in Norman for a vehicle purchase.

    21. buy here pay here Norman dealer review by Kaitlin Ritter

      Kaitlin Ritter rated Mike Marrs Auto Sales

      Mike is a phenomenal business man. I will recommend him to everyone looking fora good car buying experience. I have always dreaded car shopping and all of that but he was patient and understanding. He worked hard to make sure we got what we wanted and we were happy with the whole process. Very respectable man. 16/10 . Will be returning for any other future car needs.

    22. buy here pay here Norman dealer review by baylea hale

      baylea hale rated Mike Marrs Auto Sales

      Mike personally did everything to get my car within my budget. He went above and beyond most little dealerships to make sure the car had every little thing before I drove it off the lot. I would recommend him to anyone!! Not a huge selection but there is certainly something there for anyone who needs a reliable car for a good price. A++!!! I had been looking for a car for over 2 months and was hopeless until I made one last ditch effort and visited his lot. I’m so glad I did because I’m the owner of a BEAUTIFUL 2015 Mitsubishi Outlander Sport!!

    23. buy here pay here Norman dealer review by Huyle18 .

      Huyle18 . rated Womack Auto Sales

      After Months of looking I saw a vehicle posted in Facebook Market Place. I sent a message to their posting. Got all the info I needed regarding the vehicle posted. Womack gave me a heck of a deal if I could make it in by tomorrow, About 2 hour drive for me. Their Lot is easy to find. When I got there. Vehicle was everything they said it was. No gimmicks or games. Paperwork was quick and easy, got my title after couple of weeks.

    24. buy here pay here Norman dealer review by Anna Taylor

      Anna Taylor rated Womack Auto Sales

      I bought my very own car from here a few weeks ago, and it is absolutely amazing!!! Lee has great cars for very decent prices, and absolutely phenomenal Customer Service skills, and I would definitely recommend this place to anyone!!

    25. buy here pay here Norman dealer review by Chris Gray

      Chris Gray rated Big Red Sports / Imports

      We bought 2 vehicles from Big Red, and have been very happy with the service. They have taken excellent care of us thus far. We have used their service department twice. Initially, I was having my oil changed at other places, but they sent me a flyer to take our vehicle to them for an oil change, and I was very happy with the service we (our family) received. We also had a small issue with the electronics, which turned out to be a simple fuse issue. They had it looked over, diagnosed, and fixed within an hour even though there were other customers, so it wasn't like it was dead-slow, but they attended to it quickly. Their attitudes have been courteous, professional, and thorough to date, and I am thankful. Great job Big Red Sports and Imports!!!

    26. buy here pay here Norman dealer review by Manny3 RR

      Manny3 RR rated Big Red Sports / Imports

      Do the floors, windows and ceiling need some love? must definitely, but dont be fool by the appearance unlike other well manicure dealers this people are all about the customer service and real quick to make you feel at home. And unlike other dealers, the price that they mark their vehicles is what they sell them for unless they are giving you a better price. Thanks Sttinett.

    27. buy here pay here Norman dealer review by Vanessa Perez

      Vanessa Perez rated AutoMax Hyundai Norman

      I just want to say thank you for picking up my car to be serviced. I am pregnant during this crazy time and you keeping my family safe is going above & beyond. As always service was prompt & professional. Y'all truly are the best.

    28. buy here pay here Norman dealer review by Nate Smith

      Nate Smith rated AutoMax Hyundai Norman

      I bought an outstanding truck here, drove down from Missouri and closed the deal after nine pm. Great people!!

    29. buy here pay here Norman dealer review by Mark Barrow

      Mark Barrow rated Wheels of Norman

      Mel was awesome! Their service was direct and straight forward. Gave me a good deal. Actually the deal I wanted. No haggling, no fuss. I enjoyed the entire processes. I love my truck. I will recommend these guys to friends and will be back if I ever need another one. Thanks for the coffee!

    30. buy here pay here Norman dealer review by Kendra Russell

      Kendra Russell rated Wheels of Norman

      Great guy. Hope to buy a car from there.

    31. buy here pay here Norman dealer review by Ron Jon

      Ron Jon rated Landers Chrysler Dodge Jeep Ram of Norman

      Thanks to Nick Shropshire. Appreciated the help to get my son into his Dodge Ram. At my request I asked Nick not to call me, that I would be in contact with him if we chose to proceed. He honored that request and when we were ready a few days later, we came back and got the deal done. Thanks again. I would do business here again.

    32. buy here pay here Norman dealer review by Tisha Cline

      Tisha Cline rated Landers Chrysler Dodge Jeep Ram of Norman

      If you want someone who works hard for you go to Landers Chrysler! I got to get my dream car! The salesman Tobi was quiet but got the job done. Marcellous was the finance guy we were paired with. He is funny and laid back! Last but not least Kurtis was so much fun to work with. He is full of happiness. He gets the job done. Thank you to all 3 of you for helping me get my brand new Dodge Challenger!

    33. buy here pay here Norman dealer review by Tina Rae Patterson

      Tina Rae Patterson rated Oklahoma Motorcars

      Had the best experience with purchasing my 2017 Nisssan Rogue, everyone is very honest and forthcoming through the process. If you want to purchase a vehicle and want to feel confident you are being taken care of completely from start to finish, I recommend Oklahoma Motorcars! I worked with Chris and Andrew on my purchase. They helped me with my budget to achieve the best option in a vehicle for me but still stay in my monthly payment range. I didn’t feel pressured at any point. They made sure I had many options and were very patient while I decided on the vehicle. Awesome salesmen, redefined. Highly recommend.

    34. buy here pay here Norman dealer review by Jim Crosley

      Jim Crosley rated Oklahoma Motorcars

      James was great and everyone was so laid back! No one pressured me to do anything and the finance team made sure I got the interest rate I wanted and the monthly payments I needed. I know people who bought vehicles from this dealer and they were just as happy as I am! I would buy from them again!

    35. buy here pay here Norman dealer review by Guadalupe Garcia

      Guadalupe Garcia rated Oklahoma Motorcars, LLC

      Chris was fantastic. He took great care of me. Straight forward with me with no funny business. Heard he’s a newer salesman, and if he keeps it up, he will be a great part of this team. Ask for him!

    36. buy here pay here Norman dealer review by Andrew Faller

      Andrew Faller rated Oklahoma Motorcars, LLC

      Small car lot with a lot of character, and a great customer service! If you're local to Norman and need a car I would strongly consider checking them out. Ryan was fantastic! I love my Subaru man!

    37. buy here pay here Norman dealer review by Crunchynuts

      Crunchynuts rated Wholesale Auto

      After convincing all my baby mommas the pros outweighed the cons of owning a tank they all decided to pitch in their tax returns so I could drive this bad boy off the lot from Wholesale Auto in Norman. I tell ya h'wat, it was the best purchase I ever made. The only downside to owning this piece of amazing machinery is all my baby mommas are incredibly jealous because I wont let them ride in it cause I'm too busy dropping panties and getting laid when I take this tank on the road so now they're putting bad reviews on Wholesale Auto in Norman.

    38. buy here pay here Norman dealer review by Jude Holsted

      Jude Holsted rated Wholesale Auto

      Dustin helped me get into an affordable car. Will shop again for my next car.

    39. buy here pay here Norman dealer review by Aldene Burgess

      Aldene Burgess rated David Stanley Used Car Supercenter

    BHPH Norman OK dealer

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