Top 13 Buy Here Pay Here Dealers in Odessa TX

Looking for a used car dealer in Odessa TX but your credit is in bad shape?

Connect with top 13 buy here pay here Odessa TX car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Odessa'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 Odessa TX

  • Auto Smart, TX

  • Johnston Motor Co, TX

  • Sewell Ford Lincoln, TX

  • Premium Motors, TX

  • Texas Certified Motors, TX

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

  • USAutoMax, Inc., TX

  • Tricolor Auto Group, TX

  • Vehicles Unique Inc, TX

  • Texas Certified Motors, TX

  • Midland Odessa Auto Auction, TX

  • Did you know? These BHPH Odessa TX 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 Odessa 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.

  • Motor City USA, TX

  • S J Auto Brokers, TX

  • Texas Certified Motors, TX

  • Why buy here pay here Odessa TX 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 Odessa TX 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 Odessa TX 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 Odessa TX Works

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

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

    The buy here pay here Odessa TX 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 Odessa TX 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 Odessa TX 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 Odessa TX

    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 Odessa TX

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

    While buy here pay here Odessa TX 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 Odessa TX 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.

    Odessa TX buy here pay here Reviews

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

    1. buy here pay here Odessa dealer review by Justin Hackworth

      Justin Hackworth rated Auto Smart

      Turned a bad day of messing with another lot into a great day. Worked with my credit and put us in exactly what we were looking for. Thank you guys so much. I will recommend you to everyone I know and I'll be back myself for future purchases. A++ sales team and service. Thank you again

    2. buy here pay here Odessa dealer review by Kimberly Raines

      Kimberly Raines rated Auto Smart

      AMAZING customer service. Go see Isaiah. Hands down BEST car buying experience ever. We purchased 2 vehicles today and it was easy and required very little effort on our part. They have a great selection and amazing prices. Thank you!

    3. buy here pay here Odessa dealer review by Isaac Olivo

      Isaac Olivo rated Johnston Motor Co

      Loved this place. I bought a 2003 Chevrolet Tahoe from there and the entire time I had it, not one problem. They sell solid good vehicles and make sure they are working great before putting them up for sale. Great staff/family. I don’t have not one bad thing to say about this place. If I ever need a good used vehicle (Tahoe or Yukon) usually what they carry then I know where to go. Best honest place in town hands down!

    4. buy here pay here Odessa dealer review by La Ruedos

      La Ruedos rated Johnston Motor Co

      The best place to get a vehicle.

    5. buy here pay here Odessa dealer review by Ashanti Smith

      Ashanti Smith rated Sewell Ford Lincoln

      I called about a car and John and Ramiro helped me out a lot! This was by far the best dealership I’ve been too! They had me in and out within two days! Very good process wasn’t stressful at all! Definitely recommend y’all go see John! Thank you guys again! I love my Kia

    6. buy here pay here Odessa dealer review by William Huelster

      William Huelster rated Sewell Ford Lincoln

      This dealership is the nicest I've ever been to. Colin has taken pride and ownership and it shows in ever way.

    7. buy here pay here Odessa dealer review by Ashley Haynie

      Ashley Haynie rated Premium Motors

      Best car buying experience I’ve had... I called about a car I had seen, but Christy quickly let me know that even though that one wasn’t what I needed, she had exactly the car I didn’t know I needed. Perfectly seamless deal, amazing buying experience. No hassle, and she worked for us to make everything work. Will definitely be back. Everything I wanted and more in a vehicle.

    8. buy here pay here Odessa dealer review by Frank Varela

      Frank Varela rated Premium Motors

      Very good Family that love to help ppl in community.

    9. buy here pay here Odessa dealer review by Mark Turanakorn

      Mark Turanakorn rated Texas Certified Motors

      Had a great experience with JD. I started an inquiry online and the very next day I got a text back, despite my busy work schedule. He replied back every time, even after 2 weeks. After finally showing up to check out the car, it wasn't what I wanted, personally. So we ran around the whole lot checking out a couple more vehicles. He was located on the lot across the street from the main building at the time and would gladly run across the street to grab the keys to any vehicle I wanted to test drive. I have a decent background working with cars, so I knew what faults to look for in a car. Mechanically the cars I drove preformed great. Alignments were perfect. After all that, he worked with my terrible credit and got me approved for a loan. It was definitely worth it. For those without a lot of used car buying experience, I would recommend that you bring someone along to check out the car with you, preferably someone mechanically inclined. Not spotting a problem beforehand would be mostly your fault, since you can literally drive it as long as you want and look over the vehicle as many times as you want. Would also recommend doing a little research too into the vehicle you are buying.

    10. buy here pay here Odessa dealer review by Cass Sisto

      Cass Sisto rated Texas Certified Motors

      Talk to John Ramirez! He's a pro & helped me buy a Tundra for a very fair price. The place had a nice vibe, with a local food truck out front and music playing. John helped me find the right warranty. All in all, good experience. Ask for John!

    11. buy here pay here Odessa dealer review by Debbie Hembree

      Debbie Hembree rated USAutoMax, Inc.

      Sold me a good car At a reasonable price.

    12. buy here pay here Odessa dealer review by priscila 81

      priscila 81 rated USAutoMax, Inc.

      Great in every way

    13. buy here pay here Odessa dealer review by Zuany Flores

      Zuany Flores rated Tricolor Auto Group

      Great customer service. Excellent person explaining details on what I can do to better my credit. Help me make cheap payments a month. And friendly and make me feel like a part of there family.

    14. buy here pay here Odessa dealer review by Tristan Perry

      Tristan Perry rated Tricolor Auto Group

      Kelly did an EXCELLENT job with finding us the right car. The entire staff was personable, and made you feel welcome, and not like a paycheck.

    15. buy here pay here Odessa dealer review by Robert Miller

      Robert Miller rated Vehicles Unique Inc

      I have bought 4 vehicles from here. Excellent service and people I will buy from Scott and Jim again.

    16. buy here pay here Odessa dealer review by Lawrence Wynne

      Lawrence Wynne rated Vehicles Unique Inc

      Scott is what all used car dealers should be. Integrity

    17. buy here pay here Odessa dealer review by Gregorio Robledo

      Gregorio Robledo rated Texas Certified Motors

      Got this car there and the guys were good with me i wanted to give up before them but they got me in a car ....

    18. buy here pay here Odessa dealer review by Gracie Aguilar

      Gracie Aguilar rated Texas Certified Motors

      Adrian Kinman is an amazing salesman. I highly recommend him. He tries his hardest to get you in the vehicle you want. Unlike other places try to put in the vehicle of their choice. I will most definitely be going back for my next vehicle. They also have good prices on their vehicles.

    19. buy here pay here Odessa dealer review by Da41lago YT

      Da41lago YT rated Midland Odessa Auto Auction

    20. buy here pay here Odessa dealer review by Joe Parenti

      Joe Parenti rated Motor City USA

      JR and crew helped me find a vehicle that was perfect. He sent it to get serviced, oil change, inspection and engine flush on my request. Here's the catch, I signed my contract and the next day, decided I needed to wait a few weeks to let my credit improve a bit from stuff I paid off recently. Motor City let me cancel my contract no hassle and refund my deposit with no issues. Blessed to have found a group who are honest and genuinely want to do the best for their clientele even after going the extra mile on their own dime. Highly recommended everyone!

    21. buy here pay here Odessa dealer review by jodi burdette

      jodi burdette rated Motor City USA

      I cant express what an amazing place this is to buy a vehicle. Our sales person Christian was ptessure free and very knowledgeable. The entire staff treated us like family and went above and beyond to make our experience memorable. Easy financing, no pressure and they treated my 2 year old like she was a star! This was very kid friendly as well as drama free for adults. We had peace of mind the entire time. After our sale we ran into an issue with our truck and wow did Motor city come through for us. They covered all the repairs, they even helped us transport our truck from one location to the next. I was so worried when we had a problem or first week and wow did they put my mind at ease. I have never seen a company help as much as they have! This is a place that cares about their customers after the sale and throughout the ownership of the vehicle. Motor city stands by their customers! I strongly recommend this company! Grest people, excellent customer service, no pressure sales. Easy financing. Kid friendly and a place you can have peace of mind at. Thank you for making our car buying experience epic!

    BHPH Odessa TX dealer

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