Top 14 Buy Here Pay Here Dealers in North Carolina NC

Looking for a used car dealer in North Carolina NC but your credit is in bad shape?

Connect with top 14 buy here pay here North Carolina NC car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of North Carolina'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 North Carolina NC

  • Buy Fun Cars: Buy Here Pay Here Lot, NC

  • Auto Track, NC

  • KarMike USA, NC

  • Ride Now Motors, NC

  • Automax of Youngsville, NC

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

  • Auto Store of New Bern, NC

  • A Cheap Ride Auto Sales Of Goldsboro, NC

  • Hillside Motors Inc, NC

  • td sales center, NC

  • Byrider Raleigh, NC

  • Did you know? These BHPH North Carolina NC 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 North Carolina 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.

  • Village Auto Sales, NC

  • Log Cabin Auto Sales, NC

  • Doug Henry Preowned, NC

  • A Cheap Ride Auto Sales, NC

  • Why buy here pay here North Carolina NC 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 North Carolina NC 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 North Carolina NC 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 North Carolina NC Works

    When the bank says no to your car loan, the buy here pay here North Carolina NC 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 North Carolina NC 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 North Carolina NC 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 North Carolina NC Car lots Dealership

    The one thing is very true about buy here pay here North Carolina NC 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 North Carolina NC 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 North Carolina NC – Fast Approval Low or no credit score

    The buy here pay here North Carolina NC 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 North Carolina NC 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 North Carolina NC 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 North Carolina NC

    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 North Carolina NC

    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 North Carolina NC, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here North Carolina NC 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 North Carolina NC 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.

    North Carolina NC buy here pay here Reviews

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

    1. buy here pay here North Carolina dealer review by Sondra Jimenez

      Sondra Jimenez rated Buy Fun Cars: Buy Here Pay Here Lot

      The lady was really helpful, very respectful she took time out to help me with my concerns, good attitude vehicles are very nice and cheap payments ? GOD BLESS YOU

    2. buy here pay here North Carolina dealer review by James LeDisco

      James LeDisco rated Buy Fun Cars: Buy Here Pay Here Lot

      So far so good on the car I got. Straightforward, no BS.

    3. buy here pay here North Carolina dealer review by Holly Highshaw

      Holly Highshaw rated Auto Track

      Amazing family oriented dealership. We worked with Roger who was patient knowledgeable and just as nice as he could be. I encourage everyone to come and see our new car family for your new car needs, you will not be sorry! We are driving away with our new car got it all done in a few short hours. Can I put more than 5 stars??????????????

    4. buy here pay here North Carolina dealer review by Donnell Thomas

      Donnell Thomas rated Auto Track

      The best dealership I’ve ever been to very helpful the owners are very family Oriented and they will help and work with you I’ve purchased my second vehicle from them and they have been nothing but the best to me and my family . To the owners and the assistant they treat you like family . I highly recommend them to all my friends and family.

    5. buy here pay here North Carolina dealer review by Harold Padgett

      Harold Padgett rated KarMike USA

      I have know idea how my husband's name showed up, but I am Wendy Padgett. I bought a 2015 traverse from Newport. I love the car, the staff was great and the service has been wonderful. They are easy to deal with. I highly recommend them.

    6. buy here pay here North Carolina dealer review by Ryan Warner

      Ryan Warner rated KarMike USA

      Very satisfied with Karmike! Bought my FIRST ride..they were able to get me the payments I needed and were very friendly. Would definitely recommend them to anyone who is looking for a vehicle!! There team went above and beyond my asking and took the time to find the right car to help build my credit and start a long lasting relation. GREAT CUSTOMER SERVICE AND STAFF !!!

    7. buy here pay here North Carolina dealer review by Bradley Choplin-Beane

      Bradley Choplin-Beane rated Ride Now Motors

      Got there only 30-45 mins before they closed and they did everything they could and got me in a nice car that night! The only complaint I had was the first car I test drove was smoking. Other than that it was a great experience. These people are awesome!

    8. buy here pay here North Carolina dealer review by Tammy MacDonald

      Tammy MacDonald rated Ride Now Motors

      This is the third car I've purchased from Ride Now Motors and the customer service is outstanding. Randall and Miss Diaz were amazing to work with. They made my buying experience easy. Answered all my questions and offered knowledge of the process. Every one I encountered that day showed mannerisms that were beyond normal customer service. I would recommend Ride Now Motors to all my friends and family. And I'll definitely tell them to ask for Randall.

    9. buy here pay here North Carolina dealer review by Nazar Adib

      Nazar Adib rated Automax of Youngsville

      These guys, especially Victor, are professional and great at what they do. Matched a loan term/down payment appropriate to my income and was satisfied with what they came up with immediately. Car drives like a dream, and it comes with a 1 year warranty+free oil changes for the duration of the loan term. Wholeheartedly recommend this for first time buyers, or anyone who gets denied from conventional car loans from banks.

    10. buy here pay here North Carolina dealer review by Charles Williams

      Charles Williams rated Automax of Youngsville

      I purchased an 01 Lincoln Town Car with 65k on the odometer (2nd purchase). An older car with that few miles does present some risks, however, I have not had an issue with this vehicle that would have been considered excessive. The buying experience was great. I made the downpayment and was out the door. I paid the vehicle off in January and was in and out in a few minutes. Christian has been very helpful all along the way. If/when I need another vehicle and they have what I want, I'll for sure be back.

    11. buy here pay here North Carolina dealer review by Tramon Diara

      Tramon Diara rated Auto Store of New Bern

      Amazing customer service! They are willing to work with your budget. Very friendly

    12. buy here pay here North Carolina dealer review by Cathleen Baldwin

      Cathleen Baldwin rated Auto Store of New Bern

      Great service. Helpful in everyway. This is my daughter s first car. Thank you Jordan!

    13. buy here pay here North Carolina dealer review by Teresa Quinn

      Teresa Quinn rated A Cheap Ride Auto Sales Of Goldsboro

      Buying a vehicle from them. So far,,good. Nice people too

    14. buy here pay here North Carolina dealer review by Nikkita Williams

      Nikkita Williams rated A Cheap Ride Auto Sales Of Goldsboro

      I purchased a Lincoln SUV from the Wilson, NC location......the car was cheap, it was well taken care of and ran great! Wayne was awesome in making the sale as I had to do the layaway plan. I loved the car, sad to say that my husband was in an accident not long after purchasing the car and totaled it before we could make the first payment. My insurance had to pay the car off, all I can do is pray that they allow me to purchase another car from them because they are great people!!!!

    15. buy here pay here North Carolina dealer review by Kellie Sornsen

      Kellie Sornsen rated Hillside Motors Inc

      Got my car from them i love my car in recent months i have had difficulty with finances and i am thankful that they have been so accommodating and understanding

    16. buy here pay here North Carolina dealer review by Randall Tatum

      Randall Tatum rated Hillside Motors Inc

      Bought a reliable used car here!I'm a happy customer!

    17. buy here pay here North Carolina dealer review by krissi harrison

      krissi harrison rated td sales center

      I've bought two cars from here & have always had a pleasurable experience & walked away with reliable cars! Very nice & helpful, I have recommended friends to come here whenever they're seeking a new car.

    18. buy here pay here North Carolina dealer review by Darrel LaClair

      Darrel LaClair rated td sales center

      Great place,out of the way,but worth the ride.

    19. buy here pay here North Carolina dealer review by Raven Ellerbe

      Raven Ellerbe rated Byrider Raleigh

      Was giving location info by husbands coworker after our only car died... After dealing w the car, trying to get back and forth to work, and the stay at home order I was very stressed. But called and spoke w Russell and it was like talking to an old friend. He was very sympathetic to our situation and didn’t waste anytime helping us work with our constraints. Even though the staff was working from home they went to the location and met us and let us go for a test drive. We met Kathy who I fell completely in love w. She is all business but in the most loving way. We were treated like family from the first phone call until the follow up call even after we had gotten our car. This was the first time I had ever been through this process and I couldn’t have prayed for a better experience. If you are ever in the need for a car this would be the ONLY place I would recommend. Amazing selection... great location... and more importantly the staff are some of the the greatest people I’ve ever met!

    20. buy here pay here North Carolina dealer review by Carmal Bellfield

      Carmal Bellfield rated Byrider Raleigh

      Great place to get a used car. We met with Roshanda and she was great she helped us and gave us information on how the program works and made it possible for us to have a low down payment. I would recommend this place to anyone looking for a car.

    21. buy here pay here North Carolina dealer review by Mike Horne

      Mike Horne rated Village Auto Sales

      Very helpful staff. Politely answered my questions. Got me a great deal.

    22. buy here pay here North Carolina dealer review by Jaime Salinas

      Jaime Salinas rated Village Auto Sales

      Great vehicles if your credit is less than perfect.

    23. buy here pay here North Carolina dealer review by Crystal Watts

      Crystal Watts rated Log Cabin Auto Sales

      So, these guys are so awesome!! Great price, great car, great service! When buying used cars you never know what your getting. You can not control what happens after you get them. I got a cool little Toyota from them. 4 days after I got it, the alternator goes out. I called them, they came and picked it up, fixed it, and I had it back all in the same day!! They didnt have to do that, I purchased it as is, but they did!!! They do keep to their word and are great family oriented people!! Thanks guys!!

    24. buy here pay here North Carolina dealer review by mi dia

      mi dia rated Log Cabin Auto Sales

      Just bought an 07 explorer from here yesterday. My check engine light came on I called them and they told me to bring it In. I brought in turned out to be a mechanical problem they fixed it right away. No problems. VERY HAPPY WITH THE WHOLE STAFF. Thank you. Great car great service. Will continue doing being with them for sure.

    25. buy here pay here North Carolina dealer review by Curt Bray

      Curt Bray rated Doug Henry Preowned

      Nice people there to help you in a car. Go see them.

    26. buy here pay here North Carolina dealer review by kel-jungle

      kel-jungle rated Doug Henry Preowned

      So helpful with us purchasing a vehicle, they went out of there way.

    27. buy here pay here North Carolina dealer review by Nikkita Williams

      Nikkita Williams rated A Cheap Ride Auto Sales

      I purchased a Lincoln SUV from the Wilson, NC location......the car was cheap, it was well taken care of and ran great! Wayne was awesome in making the sale as I had to do the layaway plan. I loved the car, sad to say that my husband was in an accident not long after purchasing the car and totaled it before we could make the first payment. My insurance had to pay the car off, all I can do is pray that they allow me to purchase another car from them because they are great people!!!!

    28. buy here pay here North Carolina dealer review by Beka Spivey

      Beka Spivey rated A Cheap Ride Auto Sales

      Awsome people and love my new ride thank you cheap ride

    BHPH North Carolina NC dealer

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