Top 18 Buy Here Pay Here Dealers in Orlando FL

Looking for a used car dealer in Orlando FL but your credit is in bad shape?

Connect with top 18 buy here pay here Orlando FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Orlando'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 Orlando FL

  • USACAR Auto Sales: The best prices, Used Cars, Dealer, BUY HERE PAY HERE, Repair, Oil Change, Tire, Car Wash Cleaning, Tint Window…, FL

  • Credit Cars, FL

  • City Automotive Group, FL

  • DriveTime Used Cars, FL


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

  • Southside Autos Inc, FL

  • Deal Time Cars & Credit, FL

  • OkCarz, FL

  • Orlando Car Depot, FL

  • Orlando Car Deals, FL

  • Did you know? These BHPH Orlando FL 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 Orlando 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.

  • General Auto, LLC, FL

  • Mikano Auto Sales, FL

  • Auto Express Enterprises, FL

  • LC Motors 1 Inc, FL

  • World Auto Inc, FL

  • The phrase buy here pay here Orlando FL 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. Orlando 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.

  • Motor Car Concepts II, FL

  • Motor Car Concepts II INC, FL

  • Trackone Auto Sales, FL

  • Why buy here pay here Orlando FL 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 Orlando FL 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 Orlando FL 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 Orlando FL Works

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

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

    The buy here pay here Orlando FL 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 Orlando FL 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 Orlando FL 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 Orlando FL

    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 Orlando FL

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

    While buy here pay here Orlando FL 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 Orlando FL 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.

    Orlando FL buy here pay here Reviews

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

    1. buy here pay here Orlando dealer review by Christina Miller

      Christina Miller rated USACAR Auto Sales: The best prices, Used Cars, Dealer, BUY HERE PAY HERE, Repair, Oil Change, Tire, Car Wash Cleaning, Tint Window…

      I purchased a 2013 Kia Optima and it was the best car buying experience ever. Clean car and very nice salesman ! Thank you so much Marc !!!

    2. buy here pay here Orlando dealer review by Efrem Law

      Efrem Law rated USACAR Auto Sales: The best prices, Used Cars, Dealer, BUY HERE PAY HERE, Repair, Oil Change, Tire, Car Wash Cleaning, Tint Window…

      I brought a Nissan Maximum. Great Service Super car. I would send everyone there...

    3. buy here pay here Orlando dealer review by Shae Atkins

      Shae Atkins rated Credit Cars

      Thanks to Greg & Dexter I had an amazing experience. They made everything quick & easy plus the environment was friendly. Walked out with a car same day. They work with you so that’made it worth while. I highly recommend .

    4. buy here pay here Orlando dealer review by Jason Tobin

      Jason Tobin rated Credit Cars

      I started speaking with Chelsea yesterday morning (Thursday 8:30am) first thing to buy a vehicle my situation was desperate and had to be solved immediately. This young lady worked all day long to ensure when I got off work at 4:30 p.m. that by time I got there all I had to do was literally pick a car sign and drive. In all my years of buying Vehicles I've never had such an easy time getting a car or had the buying experience be so easy Chelsea was phenomenal and the team behind her is absolutely excellent. So I say to all if you need a vehicle see Chelsea she will take care of you. No I haven't been paid no I wasn't prompted I'm a real working stiff and this is bluntly honest.

    5. buy here pay here Orlando dealer review by D. Altime

      D. Altime rated City Automotive Group

      My preferred dealership in orlando. Ali help me get a car with low down payment. Easy financing, easy weekly payment. I recommend this dealership for any first time buyer. 2 thumbs up ??

    6. buy here pay here Orlando dealer review by Jordan Vega

      Jordan Vega rated City Automotive Group

      Honest people, In one year I payoff my 2005 Kia Sorento, and never had an issue with it in the whole year. Good experience.

    7. buy here pay here Orlando dealer review by Theresa Austin

      Theresa Austin rated DriveTime Used Cars

      From the online approval for the down payment to driving off the lot, this was THE most pleasant car buying experience ever! Greg was PHENOMENAL! Despite my horrible credit and part time income, he never missed the opportunity to say the most positive, assuring things. Drive-time and Greg have earned my repeat business and I will tell everyone I know! Thank you for my gorgeous Nissan ?!!!

    8. buy here pay here Orlando dealer review by Gene Thornton

      Gene Thornton rated DriveTime Used Cars

      The Best Car Drive Time You will drive off with the car you want ...Thanks Drive Time and Arlene Moore

    9. buy here pay here Orlando dealer review by Thomas Morelli

      Thomas Morelli rated CAR POINT OF ORLANDO

      Good and honest people, fair prices. I recommend to all my friends looking to buy a used car.

    10. buy here pay here Orlando dealer review by Flávio Bremenkamp

      Flávio Bremenkamp rated CAR POINT OF ORLANDO

      The best place to buy a car!!! Very good atendance.

    11. buy here pay here Orlando dealer review by Eliteditzsportsmedia

      Eliteditzsportsmedia rated Southside Autos Inc

      Little late doing this review but here goes went to this place 3 years ago I will say they have very affordable cars ones like mine that still to this day love!! Sales rep was amazing he genuinely wanted to make sure you left out that lot happy! And for John what can I say this dude is amazing very helpful down from the check down to signing and so on even to this day the service from them is amazing.. And for the lady everyone seems to complain about she has not once gave me a problem and I been with them for a while and happy to say so close paying off and they still have the level of customer service I respect . Review was late and long but best to always give the truth and facts Check them out ?ji

    12. buy here pay here Orlando dealer review by Rodney Cummings

      Rodney Cummings rated Southside Autos Inc

      Everyone there are really good people! They even remember me by name when I go in to make my payment each month. If you are looking for a clean and reliable vehicle, but don't have a ton of money or good credit, then I would highly recommend Southside Autos.

    13. buy here pay here Orlando dealer review by Karissa Harris

      Karissa Harris rated Deal Time Cars & Credit

      In and out! Great people, good laughs all in all I left out with the car I wanted! Kinda gave charles the run around with different mustangs But he was patient with me and also responsive with any questions I had! I really appreciate the service! Most definitely will send people to deal time. Other employees was also respectful

    14. buy here pay here Orlando dealer review by Thai Funches

      Thai Funches rated Deal Time Cars & Credit

      The whole entire team is awesome especially Charles. He was extremely welcoming and knowledgeable and honest. He helped me find what I wanted and within my price range. If your looking to rebuild your credit and you need a good reliable car Deal Time is your place. They have made this experience seamless and memorable. I’ll definitely be referring others! Thanks Deal Time

    15. buy here pay here Orlando dealer review by Erica Rodriguez

      Erica Rodriguez rated OkCarz

      Excellent experience! I’ve gone to another dealership in the past and had a horrible experience. I felt like I was taken advantage of due to my lack of knowledge for the car purchasing process. Here at OKCarz, I worked with John and the process was so simple and easy. I love the experience and the vehicle. I’m very happy with the service! Thank you so much! :)

    16. buy here pay here Orlando dealer review by Renee Raciti

      Renee Raciti rated OkCarz

      I highly recommend this place they are awesome TY Kenneth, William for there outstanding customer service. They were very helpful and very professional. I will definitely be back.

    17. buy here pay here Orlando dealer review by La'Shawn Washington

      La'Shawn Washington rated Orlando Car Depot

      I really thank God for Umair because I just moved here and my husband and had a very hard tome finding a vehicle. It took us almost two weeks went so many places and got turned away. But when I look up car lots that don’t do credit check I click on “Orlando Car Depot” and I explained to him my husband I situation it was a sigh of relief to know that he was a really great help to us. He made purchasing a vehicle very smooth. I will always recommend this place to any body who needs a car hands down. I know where to come for a second car.

    18. buy here pay here Orlando dealer review by La La

      La La rated Orlando Car Depot

      Great Experience and Great Service!!! I HIGHLY recommend Orlando Car Depot!!! Umair was very patient, courteous and very knowledgeable!!!

    19. buy here pay here Orlando dealer review by Siani-Lee Soto

      Siani-Lee Soto rated Orlando Car Deals

      I've never been here but I can tell you off the bat, this place runs on integrity. I got in contact with them because I was interested in a vehicle I saw online and after speaking to the guy and giving him a little bit of my information he let me know that I should probably shop around for a loan and even gave me some suggestions rather than telling me I should come in there because his rates would be higher. His honesty is what led me to do some more research and find my current vehicle. He told me straight up that if he never heard from me again to leave him a good review so that's exactly what I'm doing. It's people like this that make the car buying experience less stressful and I'm truly grateful for the honesty he provided. If you're in need of a car don't hesitate to check them out or at least give them a call, you will not regret it it. Thank you!

    20. buy here pay here Orlando dealer review by Alexander Zgura

      Alexander Zgura rated Orlando Car Deals

      I purchased a 2012 from here through Francisco. From the moment I started looking at the vehicles here I knew this place was not like normal Buy Here Pay Here dealerships. They are a no pressure dealership. You walk around and look at the vehicles they have and once you find one you like, go into the office and ask for a sales associate. I dealt with Francisco, and he is extremely well manner and professional. I was originally looking at an Acura TSX Sportwagen, and he gave me the keys to test drive it. I was surprised he didn't want to come along for the ride. He just took a copy of my license and sent me on my way. I like the car a lot and was doing some research on it after i left the lot. As I was leaving I saw a 2012 Volvo XC70 wagon. I inquired about that vehicle too and researched it as well. We all know that Honda and Volvo both make reliable vehicles so I had my work cut out for me to figure out which vehicle I would like more. During this entire process, Francisco did not call me or contact me with out me contacting him first. As everyone knows dealing with dealerships, they bombard you with phone calls and emails, and try to get you to buy a vehicle before you leave the lot. Well not this dealership and I greatly appreciate it that as it allowed me to look at other Volvo XC70s and dealerships. I went with Orlando Car Deals on the fact they worked with me on financing, and are very close to my house, before I purchased the vehicle I asked if they would do the brakes and they said yes, I also had them replaced my serpentine belt as that was due. Then after 3 weeks my battery died completely and they replaced that for me. This was a great help to me as this would had easily cost me a few thousand dollars in repair bills. The only thing I did was get an alignment as they didn't have a machine to do it, and bought some nice tires for it. This is a great dealership for anyone looking to buy a good vehicle. The sales manager is Marshall, and Brody is the front desk clerk who takes care of the customers after purchasing a vehicle. Marshall works very hard to get you financing for the vehicle you wish to purchase, and Brody takes care of any issues you may have with the vehicle. They have a full mechanic shop on site with well trained mechanics. I wish I knew the mechanic that worked on my Volvo as he was very good and extremely nice. I can honestly not say enough about this dealership and how great it is dealing with them.

    21. buy here pay here Orlando dealer review by DR.L Beats

      DR.L Beats rated General Auto, LLC

      Best car dealership in orlando

    22. buy here pay here Orlando dealer review by Donavan White

      Donavan White rated General Auto, LLC

      I was online looking for a car for 500 down. I seen this place. I was looking at the reviews and a lot of people was satisfied with the cars they got. I wanted to see and try them out. They was very helpful the Gentleman and the lady I forgot their names. But it was a amazing experience with them

    23. buy here pay here Orlando dealer review by Makram Sarieddine

      Makram Sarieddine rated Mikano Auto Sales

      The Mikano Auto Sales located on west colonial is something else. I visited many other dealerships on that road and you would think since they are bigger they would know more. However I stopped by and to my surprise they took care of me and my wife really well and were very eager to figure out what we wanted. We both decided we would like a Hyundai Veloster. Without a problem they got it done. The car was in very good condition and me and my wife love driving it. I reccomend Mikano Auto Sale for anybody looking for a fair price car in a great condition.

    24. buy here pay here Orlando dealer review by Blackbeagle Lol

      Blackbeagle Lol rated Mikano Auto Sales

      I came by Mikano Auto Sales looking for a WRX Subaru and as soon as I entered I was welcomed and offered something to drink.The service was amazing and they really took my thoughts and preferences into account in finding my car. The employees really cared about making sure I left happy and came down to the right price to satisfy us both.

    25. buy here pay here Orlando dealer review by James Campbell

      James Campbell rated Auto Express Enterprises

      They have a great selection of cars to choose from. Zee helped me choose a good car to fit my budget and he made the entire process a breeze. I had a great car buying experience and would recommend Auto Express to everyone!

    26. buy here pay here Orlando dealer review by Brian C Pinkney

      Brian C Pinkney rated Auto Express Enterprises

      Where my wife and I purchased our car from, the staff was really professional. We will be buying another one in the near future!! Thanks Johnny and Ron.

    27. buy here pay here Orlando dealer review by Nichole Ellington

      Nichole Ellington rated LC Motors 1 Inc

      This dealership is great, they are very relaxed. Do not hassle but give you your space and are willing to negotiate with cash offer. This was the least stressful car buying experience I have ever had.

    28. buy here pay here Orlando dealer review by Nikcole Dimples

      Nikcole Dimples rated LC Motors 1 Inc

      Great people, great prices and no hassle ...Love my car

    29. buy here pay here Orlando dealer review by Travis Brewer

      Travis Brewer rated World Auto Inc

      Really impressed with how John and Ali handled this whole transaction. They took care of a few things that needed to be handled on the car and delivered it to me when it was ready to go. We agreed on a price and that was that. No back and forth or hidden tricks. Would definitely use them again.

    30. buy here pay here Orlando dealer review by Giovanni Minaya

      Giovanni Minaya rated World Auto Inc

      I'm really grateful with the service I was provided by Philip great salesman always gave me his honest opinion and drove me to the right direction.

    31. buy here pay here Orlando dealer review by Juan Castro

      Juan Castro rated Motor Car Concepts II

      They are so friendly

    32. buy here pay here Orlando dealer review by robby kapil

      robby kapil rated Motor Car Concepts II

      Great service from the entire staff at the w colonial location, very knowledgeable people treated me like family. Bought a car I was looking for a long time and they worked with me best they could. everyone was professional and communicative even had some jokes

    33. buy here pay here Orlando dealer review by Joseph Escalera

      Joseph Escalera rated Motor Car Concepts II INC

      Great experience. Between Jose and Andreas they helped me from the moment I walked in to the moment I drove off. Down payment, test drives, w.e I had a question about they helped me 100%. Best experience I’ve had .

    34. buy here pay here Orlando dealer review by Paul Kinney

      Paul Kinney rated Motor Car Concepts II INC

      Best dealership ever.

    35. buy here pay here Orlando dealer review by Alexis Calderon

      Alexis Calderon rated Trackone Auto Sales

      I bought a 2009 genesis 4.6 sedan great price down and overall ok price in total considering the fact your buying from a buy here pay here when you already messed up everywhere else they won't care you can still buy a car. Yes you have to be smart and look at the car carefully but that's anywhere and everywhere when you buy a used car. My genesis transmission went out the first day of having it but I immediately called and told of the situation and they where wonderful they took care of me asap and within a few days my car transmission was replaced and they even put the correct fuild at about 800 dollars worth of fuild they didn't just put cheap autozone fuild. I think if you shop carefully and have a mechanic with you you should be fine yes sometimes there things you cant catch like me I'm a mechanic and I didn't feel anything wrong when test driving it but I was able to catch it after a full days driving but like I said they worked with me and were great honestly when you buy a car from here you contract say AS IS. They didn't have to fix it but they did. Will buy again no hesitation.

    BHPH Orlando FL dealer

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