Top 16 Buy Here Pay Here Dealers in Overland Park KS

Looking for a used car dealer in Overland Park KS but your credit is in bad shape?

Connect with top 16 buy here pay here Overland Park KS car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Overland Park'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 Overland Park KS

  • Reynolds Automotive LLC, KS

  • DriveTime Used Cars, KS

  • Whitney Motor Co, KS

  • Instant Auto, KS

  • KC Car Gallery South, KS

  • Have you ever considered buy here pay here Overland Park KS 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 Overland Park KS compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Overland Park 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 Overland Park 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 Overland Park. 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 Now, KS

  • Country Hill Motors, KS

  • McCarthy-Morse Chevrolet, KS

  • KC Used Car Emporium, KS

  • Reed Jeep Chrysler Dodge Ram of Overland Park, KS

  • Did you know? These BHPH Overland Park KS 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 Overland Park 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.

  • K C Car Gallery, KS

  • All Star Auto LLC, KS

  • Country Hill Motors, KS

  • Overland Park Imports, KS

  • KC Used Car Emporium, KS

  • The phrase buy here pay here Overland Park KS 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. Overland Park 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.

  • Metcalf Auto Plaza Inc, KS

  • Why buy here pay here Overland Park KS 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 Overland Park KS 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 Overland Park KS 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 Overland Park KS Works

    When the bank says no to your car loan, the buy here pay here Overland Park KS 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 Overland Park KS 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 Overland Park KS 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 Overland Park KS Car lots Dealership

    The one thing is very true about buy here pay here Overland Park KS 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 Overland Park KS 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 Overland Park KS – Fast Approval Low or no credit score

    The buy here pay here Overland Park KS 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 Overland Park KS 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 Overland Park KS 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 Overland Park KS

    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 Overland Park KS

    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 Overland Park KS, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Overland Park KS 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 Overland Park KS 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.

    Overland Park KS buy here pay here Reviews

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

    1. buy here pay here Overland Park dealer review by withoutnumbers

      withoutnumbers rated Reynolds Automotive LLC

      We're a growing family that has been looking for a minivan for a few months, and despite the current state of the world we needed one sooner rather than later. We had our eye on a minivan that looked like a good deal and Scott let me take all the time I needed to look it over, test drive it, take it to a shop for an inspection, and do the repairs that were recommended. Every step of the way he was patient, kind, professional, understanding, and gave me a fantastic deal on my trade in. I can't speak to the financing side because we got our own loan, but I was so pleased with the buying experience and would recommend him to any of my friends and family.

    2. buy here pay here Overland Park dealer review by Kayla Nguyen

      Kayla Nguyen rated Reynolds Automotive LLC

      Home of the 30 minute car deal. Literally, took 30 minutes to get all of the paperwork filled out and the car was mine. Found the car on Cargurus and went to check it out, Bryan was a great help in getting me acquainted with the vehicle. Scott then followed through with giving us more information about the car and having all of the paperwork ready for us to sign. Great car and great customer service- didn’t feel pushed at all and the guys here are honest and up front. Would highly recommend to anyone looking for a good deal and a great car.

    3. buy here pay here Overland Park dealer review by Hersh Harrison

      Hersh Harrison rated DriveTime Used Cars

      Very happy with the car buying experience. And happy with our new car, rides like a dream. Shout out to Theron, excellent and professional salesman. I liked the atmosphere and the professionalism. They were not pushy or tough. My family and I will go back to experience another good sales experience and get another vehicle. Thanks again Drivetime

    4. buy here pay here Overland Park dealer review by Andrew Macharia

      Andrew Macharia rated DriveTime Used Cars

      Ryan and Gomez were very helpful. Even though we didn’t get the 1st car if our choice, they worked tiredly time get us approved for another car that we liked. They explained everything no pushing. Made our experience at drivetime amazing. I would recommend these guys anytime. Thank you so much.

    5. buy here pay here Overland Park dealer review by Shannon M. Mainster

      Shannon M. Mainster rated Whitney Motor Co

      People here are very polite, patient, caring, and helpful. I found a car that I have been searching for here. I will definitely go back here whenever I need a car again.

    6. buy here pay here Overland Park dealer review by Matt Humphrey

      Matt Humphrey rated Whitney Motor Co

      My wife and I love this place. We have bought from them in the past and may again very soon. Mr. Whitney does not pressure a visitor and is honest in his dealings. He is very open to having your personal mechanic check a car you are considering. That to me is very reassuring.

    7. buy here pay here Overland Park dealer review by Jessica Dole

      Jessica Dole rated Instant Auto

      I absolutely love my Nissan!! Super friendly staff, atmosphere, and great selection of vehicles to choose from. I highly recommend Instant Auto. Cory was very patient with all the questions I had, and going through the process of purchasing my Nissan.

    8. buy here pay here Overland Park dealer review by Sherrita H.

      Sherrita H. rated Instant Auto

      I have to honestly say that this was the most hassle free car purchasing experience I've ever encountered. The process was simple and straight to the point. Corey was honest, patient and super funny!!! It was a very pleasant experience. Thank you Corey for getting me into the car of my choice, I appreciate all your hard work. If I could give 10 stars I would. I definitely recommend this place. (Olathe location)

    9. buy here pay here Overland Park dealer review by LaSchawn Wortham

      LaSchawn Wortham rated KC Car Gallery South

      I wasn't able to purchase a car with the dealership but both Tom and Bill did everything they could to help me! They are both very friendly and very caring and soon as I am able to I'll definitely be purchasing from them!! And will refer people

    10. buy here pay here Overland Park dealer review by Nicole Peterson

      Nicole Peterson rated KC Car Gallery South

      Tish was awesome! They came thru very quickly and easily. They were very helpful and professional. Highly recommend this place! Thanks guys!

    11. buy here pay here Overland Park dealer review by Kelsie Hudson

      Kelsie Hudson rated Auto Now

      Paul and Jeff were beyond helpful! My credit situation isn't the best and after being turned away by other dealerships, Paul listened to what I was hopeful for and what I had to work with and they worked together to get me into a perfect vehicle for me and one that I'm not going to struggle to make payments on. I would definitely recommend AutoNow to anyone looking for a new vehicle, especially if your situation is similar to mine. They'll start real with you and won't try to take advantage of you or your money! Thank you, Paul and Jeff!!!

    12. buy here pay here Overland Park dealer review by Tina Watt

      Tina Watt rated Auto Now

      Paul from Auto Now in Olathe sold me a van today. From the moment that I walked into that store these people were amazing, they were amazing with their communication, they were helpful and they got me into a car in 2 days when nobody else in the world would and I am very grateful. THANKS PAUL!!!!!

    13. buy here pay here Overland Park dealer review by THOMAS POWELL

      THOMAS POWELL rated Country Hill Motors

      I bought a Thunderbird from them recently and the salesman, Julio, offered a top notch, no pressure transaction. Any requests I made, he accommodated them professionally and with satisfaction. I was a bit apprehensive about the various service/protection contracts they offer because they are a bit costly, but the finance officer, Jason, patiently explained all the details, assuring me that even though the service contract is through a third party, Country Hill Motors service shop would do the work and it is them that would deal with the third party reimbursements, not me. This is a huge relief considering the nightmares you read online of customers trying to get reimbursements from their stingy (and many scamming) third party service contract companies. I left with the impression that Country Hill Motors' priority is to retain a customer's business for future vehicle purchases, so they strive to make your first purchase from them a satisfying experience.

    14. buy here pay here Overland Park dealer review by Amber Pickman

      Amber Pickman rated Country Hill Motors

      Great experience buying my new car! There was an issue with the car that they fixed right away. Dennis was amazing and kept me up to date through out the process. He was easy to work with and I absolutely recommend him! Financing took maybe five minutes, quick and efficient. Overall I highly recommend!

    15. buy here pay here Overland Park dealer review by Jordan Frew

      Jordan Frew rated McCarthy-Morse Chevrolet

      Montana was awesome to work with! He was very polite and accommodating! We were his very first customer and first sale, but by his knowledge and professionalism you wouldn't have known. I'm not the easiest buyer to please when it comes to buying vehicles, but he was able to win my wife and I over! His father, Erik, assisted him and he was just as great! Glad we chose them to do business with and would recommend them to anyone. 5 star Father and Son team!

    16. buy here pay here Overland Park dealer review by Phillip & Kristi Cockrell

      Phillip & Kristi Cockrell rated McCarthy-Morse Chevrolet

      Awesome dealership! Super nice and responsive to our needs. I placed a custom order for a 2020 Silverado Trail Boss LT and everything was perfect. My out the door price was cheaper than I expected. Erik Fish is extremely knowledgeable about Chevy vehicles and easy to work with.

    17. buy here pay here Overland Park dealer review by Joe Pinzon

      Joe Pinzon rated KC Used Car Emporium

      First of all I researched this auto dealer weeks before I purchased. I had cash and wanted a true value and here I found it! John the General Manager and Michael the owner are best people. One reason those two are the best is that both men are from the Kansas City area. That means a lot to me. Because, of being local they totally understand what it means to stand by what they say and do. I had purchased my Vehicle less than 48 hrs and a transmission problem occurred. The owner and the GM took care of me with a rebuilt transmission with a great warranty. Even after I got my Vehicle was repaired they extended my warranty another 30 days. I see some reviews are bad I get that. But, these men give me hope that people really from Kansas City are good people and I will purchase again. The whole purchase and repair was outstanding. Do not waste your time with pretenders. Get the real deal and here at KC Auto emporium is it. Thank you..

    18. buy here pay here Overland Park dealer review by Aaron Fricke

      Aaron Fricke rated KC Used Car Emporium

      Great selections of cars and very friendly sales people. We dealt with Jose and he made the experience as smooth as it could be. We found the car online and we gave it a test drive and found an issue. He called us back the next day and said the problem was fixed and we could drive it again. Worked great and we were pre-approved for a loan so it was a quick process. Will shop there again when we need another car!

    19. buy here pay here Overland Park dealer review by Crystal Aragon

      Crystal Aragon rated Reed Jeep Chrysler Dodge Ram of Overland Park

      Just bought our jeep at Reed on April 21st, our sales guy Ryan was one of the best sales guys that I have ever had when buying my Jeep, pleasant, great experience. And one of the best things about it, it was FAST, we didn’t spend all day there. Will buy my next vehicle there! LOVE IT!!!! Thanks again Ryan!!!

    20. buy here pay here Overland Park dealer review by Shea Groom

      Shea Groom rated Reed Jeep Chrysler Dodge Ram of Overland Park

      Just bought my new Jeep at Reed and absolutely loved my experience. I was in the middle of two big moves and only had a window of a few days to get a new car. Jessica was incredible throughout the whole process. She was always available to talk and walked through every step with me (this was my first solo purchase). She made me feel at ease throughout the entire process and helped my crazy timeline become a reality! I felt really anxious about getting taken advantage of as a young woman with little knowledge of the car buying process, but Jessica was real with me the whole time and I couldn't have felt better walking away with my new Jeep. Would definitely recommend Reed Jeep Chrysler Dodge Ram of Overland Park and especially Jessica if you are looking to get a new car!

    21. buy here pay here Overland Park dealer review by Chance Gosewisch

      Chance Gosewisch rated K C Car Gallery

      Man, i must say. This was the smoothest & most easy going dealership I have ever dealt with. Salesman's were polite, answered every question i had about the vehicle i purchased (2009 Mercedes C300). After choosing the car i saw myself with, I had to go to the Finance Director of the auto plaza. His name was Jordan I believe. I honestly didn't think i was going to be approved with my credit and only $2,000 down, but he didn't give up on me and after going through 3 banks, he finally got me approved with a monthly payment that fit my budget. All in all, astounding staff and a rockstar for a finance director. Highly recommend going to this Auto plaza. Jordan will get you taken care of for sure. He was even willing to bring in the big boss to help me out. 5 out of 5 for sure.

    22. buy here pay here Overland Park dealer review by James Mcmanus

      James Mcmanus rated K C Car Gallery

      Tom was very nice and great to work with. Very transparent. Would recommend

    23. buy here pay here Overland Park dealer review by Albert Halfmann

      Albert Halfmann rated All Star Auto LLC

      We traded vehicles at All Star yesterday. Jony was easy to work with, he is honest and kind. They run their business with integrity. He gave us what we wanted for our trade in and my wife is very happy with her 2017 Subaru Outback. His prices are very fair. The staff at All Star are wonderful. We highly recommend them.

    24. buy here pay here Overland Park dealer review by Darcy DeVore

      Darcy DeVore rated All Star Auto LLC

      Robert and the rest of the guys are a great group of individuals. They went well above and beyond my expectations from a used car dealership. I bought a Nissan Frontier in August 2018. After a few days of having the vehicle, I noticed a few problems. Initially, we had a few communication problems. They told us that if I experience any issues to give them a call and they would make things right. At first I was hesitant that they would come through, but the guys have been resolute in making sure that things are square and I was satisfied with my purchase. They stood behind their word and did everything in their power to that we were happy and confident with our choice of buying vehicle from them. When I need further service or a new vehicle, I am definitely making All Star Auto my first stop. Well done guys! I like how you run your business, which is hard when you're dealing with inherent problems of used vehicles. Thanks for going above and beyond!

    25. buy here pay here Overland Park dealer review by Brian Bartell

      Brian Bartell rated Country Hill Motors

      Thank you austin. Gave me the car I wanted at good price. No silly business like what happens at normal car sales.

    26. buy here pay here Overland Park dealer review by Jonas -TS

      Jonas -TS rated Country Hill Motors

      It was a long and arduous journey to find the car I wanted. I'm very particular and would settle for nothing less. They had it. They came through on several levels I was not even expecting in honesty. Even in light of a few items that left me being the one that was kind of a pain to do business with. Excellent service throughout, they even said they could beat my personal credit union when it came to financing...they did. It was quick and easy and I was driving one of my dream cars home the next day. Will always recommend this place from here on out. They gave me a great replacement vehicle while detailing mine. Purely out of customer care because rained the previous night. Don't listen to all the poor reviews. It's unfortunate that they seem to be the only ones that post things online. More people that do experience the better side of any retail establishment should speak up and make it known. Posted pictures the road dominating machine for all your hungry eyes to feast upon.

    27. buy here pay here Overland Park dealer review by Beth Gunsalus

      Beth Gunsalus rated Overland Park Imports

      We had a great experience purchasing a car from Overland Park Imports! They were responsive and helpful throughout the purchase. Our Porsche Panamera is a joy to drive. Thank you, Overland Park Imports Team!

    28. buy here pay here Overland Park dealer review by Misti Johnson

      Misti Johnson rated Overland Park Imports

      Thomas Hardin was a dream to work with! I scheduled an appointment to look at a Subaru BRZ, got there and test drove it within minutes of being there. I decided the car was love at first site and he got the paperwork rollin immediately! Walked out in less than 2 hrs with keys in hand, I couldn't be happier with my decision! Thanks Thomas for working with me and making my experience at Overland Park Imports a breeze!!!

    29. buy here pay here Overland Park dealer review by Melissa Delzeit

      Melissa Delzeit rated KC Used Car Emporium

      This is the second time we have bought a car here, treated very well both times. Fred Van Winkle is great to work with and alwaus makes us feel important.

    30. buy here pay here Overland Park dealer review by Josh Rosario

      Josh Rosario rated KC Used Car Emporium

      Jose was a excellent salesman great knoledge of the vehicles, hospitality was top notch. 100% would recommend if youre looking for amazing prices and even better people.

    31. buy here pay here Overland Park dealer review by Jeanie Whalan

      Jeanie Whalan rated Metcalf Auto Plaza Inc

      My experience with Metcalf has been a good one, I got my car 7 months ago, I haven't had any problems with my car or the people that I have dealt with.

    32. buy here pay here Overland Park dealer review by Patty Marshall

      Patty Marshall rated Metcalf Auto Plaza Inc

      Awesome place to buy a car, they are a great bunch of people!!

    BHPH Overland Park KS dealer

    Hope you like our list of buy here pay here Overland Park KS dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.