Top 12 Buy Here Pay Here Dealers in Ohio OH

Looking for a used car dealer in Ohio OH but your credit is in bad shape?

Connect with top 12 buy here pay here Ohio OH car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Ohio'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 Ohio OH

  • JDBNOW / Byrider Wooster, OH

  • ABC MotorCredit Bedford, OH

  • Legacy Auto Express | Buy Here Pay Here, OH

  • Usa Motorcars, OH

  • Josephs Buy Here Pay Here, OH

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

  • 42 Automotive, OH

  • Paul Sherry Car-N-Credit, OH

  • Ohio Motors Inc, OH

  • Freddy’s Big Lot, OH

  • Low Cost Cars, OH

  • Did you know? These BHPH Ohio OH 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 Ohio 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.

  • Abe’s Used Cars LLC, OH

  • Best Buy Auto Sales, OH

  • Why buy here pay here Ohio OH 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 Ohio OH 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 Ohio OH 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 Ohio OH Works

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

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

    The buy here pay here Ohio OH 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 Ohio OH 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 Ohio OH 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 Ohio OH

    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 Ohio OH

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

    While buy here pay here Ohio OH 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 Ohio OH 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.

    Ohio OH buy here pay here Reviews

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

    1. buy here pay here Ohio dealer review by Kaytlynn Simpson

      Kaytlynn Simpson rated JDBNOW / Byrider Wooster

      Andrew in service did an outstanding job getting my Dodge Avenger in and fixed quickly. Not only did he keep me informed on the repair status, he made sure to get me the BEST price on all of my parts. He and his crew went above and beyond to get my car fixed. We can’t say enough good things about this location.

    2. buy here pay here Ohio dealer review by Travis Byard

      Travis Byard rated JDBNOW / Byrider Wooster

      Anthony is absolutely the most helpful salesman I have had the pleasure to deal with. He and the all other and CNAC staff went above and beyond to help me out and get me into a car. My credit is non existent , down right terrible to be honest , I had serious doubts that anyone could help me. They did that and were courteous and non judgemental in their dealings with me. Was the financing cheap? No but I am high risk and expected nothing less. They helped when others didn't even want to talk to me. Now I can start rebuilding my credit! Thanks to all of them for a fantastic experience!

    3. buy here pay here Ohio dealer review by Bobby Roberson jr

      Bobby Roberson jr rated ABC MotorCredit Bedford

      Great place to come get financed! Shamica took care of me and made sure I was riding good and with a wonder monthly payment. I would definitely recommend because the care for their customers is great

    4. buy here pay here Ohio dealer review by Nicole Crenshaw

      Nicole Crenshaw rated ABC MotorCredit Bedford

      This is a great place to come and get financed for a vehicle. They care about their customers and go above and beyond to help people build a better lifestyle.

    5. buy here pay here Ohio dealer review by Rachel Burnette

      Rachel Burnette rated Legacy Auto Express | Buy Here Pay Here

      I went in to Legacy today and was helped by Felicia. She was super great! She had multiple people in there and was able to keep everything moving along smoothly! Super understanding to my situation. I’m giving 5 stars because thats the most i could give!

    6. buy here pay here Ohio dealer review by Amanda Pastorius

      Amanda Pastorius rated Legacy Auto Express | Buy Here Pay Here

      A great place to buy a car!!! Felicia was great and worked with me every step of the way! It was a quick, easy, friendly experience. Would definitely recommend Legacy Auto Express to anyone. If you want a good reliable vehicle at a good price and with a warranty, this is the place to go. Definitely will be going here again in the future. Thank you Legacy and thank you Felicia!!!

    7. buy here pay here Ohio dealer review by Rick Griffin

      Rick Griffin rated Usa Motorcars

      Great Buy Here Pay Here deals 0 interest

    8. buy here pay here Ohio dealer review by David Jones

      David Jones rated Usa Motorcars

      Staff was great! Purchased with their buy here pay here option and was in and out in less than an hour. No hassles, very upfront and to the point. Would definitely recommend!

    9. buy here pay here Ohio dealer review by Alex Martin

      Alex Martin rated Josephs Buy Here Pay Here

      A very excellent place to buy car well maintenanced a place you need to check

    10. buy here pay here Ohio dealer review by Virgil Montgomery

      Virgil Montgomery rated Josephs Buy Here Pay Here

      The owner helped me get the car I needed. You need to know that I would be considered a high risk for a car loan. I thought the price was a little high, that was the only downside. I believe he was very helpful in all ways and I recomend Joseph's Buy Here Pay Here to all. He even got the payment a little lower to fit my budget. If you need a car check Joseph's out!. The employees even impressed me. Overall I had a great experience here.

    11. buy here pay here Ohio dealer review by Chris Ellwood

      Chris Ellwood rated 42 Automotive

      So far so good! We’ve only been in once but Ben, Tammy, and Mike seem very straight forward and easy to work with. Went in for brake line replacement, flush system, oil change, rotate tires. Will take other cars in for various routine maintenance.

    12. buy here pay here Ohio dealer review by Tim Taylor

      Tim Taylor rated 42 Automotive

      Very good to work with. I've bought cars from dozens of dealerships over the years, and the people here are the best I've ever worked with. Highly recommended

    13. buy here pay here Ohio dealer review by Josey Warner

      Josey Warner rated Paul Sherry Car-N-Credit

      I really love gtn my car's from Paul Sherry car-n-credit back in the day i had 4 good cars from them keep up the great work

    14. buy here pay here Ohio dealer review by Tam Tam

      Tam Tam rated Paul Sherry Car-N-Credit

      Definitely recommend! Nicole is a great manager and definitely knows her stuff!

    15. buy here pay here Ohio dealer review by Joseph Giblin

      Joseph Giblin rated Ohio Motors Inc

      Had a great experience at Ohio Motors! Bought a neat old Lincoln! The honesty about the known problems and illnesses the car had was refreshing! Years ago I never thought I would buy a car here but the place has changed for the better!! The staff was friendly and helpful. Very willing to answer questions I had. They put my "new" car in a safe place for pick up the next day and even came to my home to bring me to the dealership the next day, in an older model Cadillac. Very deserving of 5-stars!!!!

    16. buy here pay here Ohio dealer review by Ashley Lloyd

      Ashley Lloyd rated Ohio Motors Inc

      Absolutely love my expedition, great customer service and even gave me a gas card before I walked out the door y'all are awesome so glad i decided to purchase my vehicle from Ohio Motors Inc!

    17. buy here pay here Ohio dealer review by Matthew Bell

      Matthew Bell rated Freddy’s Big Lot

      Great Customer Service & They Treat You Like Family......

    18. buy here pay here Ohio dealer review by l t

      l t rated Freddy’s Big Lot

      Good peeps

    19. buy here pay here Ohio dealer review by Ryan DeYoung

      Ryan DeYoung rated Low Cost Cars

      Got a good car at a fair price. Not pressured. They did not try to sell me anything I did not want or need. And they bargained fairly. Not only that, when getting title from out of state hit a small snag, they were very professional courteous and diligent in making sure everything got sorted out quickly. Catherine was an absolute pleasure to work with.

    20. buy here pay here Ohio dealer review by Rachelle Blankenship

      Rachelle Blankenship rated Low Cost Cars

      They were AMAZING! They say what the mean and mean what they say!

    21. buy here pay here Ohio dealer review by Kristopher Jones

      Kristopher Jones rated Abe’s Used Cars LLC

      If you're in the market for a good used car this is the place to go...

    22. buy here pay here Ohio dealer review by Jill Fulkerson

      Jill Fulkerson rated Abe’s Used Cars LLC

      Awesome place ...always friendly

    23. buy here pay here Ohio dealer review by Nick Wilson

      Nick Wilson rated Best Buy Auto Sales

      J Haas said he was giving zero stars, but actually gave 2 stars. I am giving them 5 stars based on that. Who says they get zero stars, then gives them 2? That.......is.........awesome!

    24. buy here pay here Ohio dealer review by Dan Anderson

      Dan Anderson rated Best Buy Auto Sales

      Bought several vehicles from these guys over the years. Quality used vehicles at a fair price and great people to work with.

    BHPH Ohio OH dealer

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