Top 19 Buy Here Pay Here Dealers in Palm Bay FL

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

Connect with top 19 buy here pay here Palm Bay FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Palm Bay'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 Palm Bay FL

  • Harbor City Auto Sales, FL

  • Greenwise Motors, FL

  • Michael’s Auto Sales, FL

  • Southeastern Used Cars, FL

  • Route 1 Motorsports, FL

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

  • Leonard’s Auto Inc, FL

  • Melissa’s Palm Bay Motors, FL

  • Brevard Value Motors, FL

  • The Car Guys, FL

  • Cars Today, FL

  • Did you know? These BHPH Palm Bay 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 Palm Bay 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.

  • CarMax, FL

  • PNP Enterprises, FL

  • Southeastern Honda, FL

  • Palm Bay Ford, FL

  • Giant Recreation World – Palm Bay, FL

  • The phrase buy here pay here Palm Bay 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. Palm Bay 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.

  • Bad Boys Toyss, FL

  • Brevard Auto Sales, FL

  • Car Connection, FL

  • Gator of Palm Bay, FL

  • Why buy here pay here Palm Bay 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 Palm Bay 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 Palm Bay 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 Palm Bay FL Works

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

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

    The buy here pay here Palm Bay 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 Palm Bay 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 Palm Bay 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 Palm Bay 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 Palm Bay 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 Palm Bay FL, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Palm Bay 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 Palm Bay 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.

    Palm Bay FL buy here pay here Reviews

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

    1. buy here pay here Palm Bay dealer review by TEJ Jenkins

      TEJ Jenkins rated Harbor City Auto Sales

      Bar far 5 stars more than fair and are honorable by their word and are the BEST in all my experiences. Great vehicles great ownerships great all around.

    2. buy here pay here Palm Bay dealer review by Melissa Rios

      Melissa Rios rated Harbor City Auto Sales

      Chris did a wonderful job. Showed us several cars our first visit, no high pressure. Remembered us when we came back several months later. Had a great deal, met all our requests. Got a great deal on a great car.

    3. buy here pay here Palm Bay dealer review by Allie Cardoso

      Allie Cardoso rated Greenwise Motors

      Highly recommend this dealer and it’s owner Richard. Our son bought a truck and within a week we went back and bought one as well. The one on one personal service and attention was the best by far we have ever experienced. If you’re in the market for a great diesel truck this is the place to go, Richard is extremely knowledgeable in every truck and year. He is honest with the pros and cons of each truck! No hassle no pressure and you won’t find a better deal for a used truck. We will definitely, hands down be back to this dealer!!!! We are extremely happy with our purchase!!!!!!

    4. buy here pay here Palm Bay dealer review by Gothic Fish

      Gothic Fish rated Greenwise Motors

      Richard made getting our Truck a great experience. We went back multiple times looking at different vehicles and not one time did We feel rushed or pressured into making a hasty decision. We got the truck we wanted at a great price. Family-Owned and Operated. Best decision we ever made. Thank you again Richard. Gotta love when you get a hug from the Mom when you leave. We will definitely be return customers.

    5. buy here pay here Palm Bay dealer review by Em Sherman

      Em Sherman rated Michael’s Auto Sales

      A fantastic experience from beginning to end. Michael worked with me personally to ensure that my needs were meet above and beyond expectations. From the moment I walked in and was assisted by his professional and compassionate associate Mary I felt that I was in good hands, a feeling that never left me and was renewed by every meeting and phone call. Highly knowledgeable, professional, and great service.

    6. buy here pay here Palm Bay dealer review by candy eyed

      candy eyed rated Michael’s Auto Sales

      Exceptional! Michael's repaired the driver's side of my car after an accident and they fixed the entire side quickly and it looks brand new now! Also - repair/ parts were very fair priced. Best quote around. Michael's does business with integrity and treats customers with the utmost respect and care, I thank you Mike and team! - Laney

    7. buy here pay here Palm Bay dealer review by Frankie S

      Frankie S rated Southeastern Used Cars

      John Wheeler is outstanding at delivering spectacular customer service. He was so welcoming and friendly. Thank you John!

    8. buy here pay here Palm Bay dealer review by Dave Farrell

      Dave Farrell rated Southeastern Used Cars

      The best place to buy new or used cars and trucks.

    9. buy here pay here Palm Bay dealer review by Martin Frier

      Martin Frier rated Route 1 Motorsports

      GREAT PEOPLE. Don't look anywhere else if you are looking around. They have the best deals around. My Father and I drove an hour to see Scott the sales rep, He was excellent as well as the Desk Manager and The Finance department. They also introduced us to the parts and service department which were just as nice and helpful. Will do business here again in the future.

    10. buy here pay here Palm Bay dealer review by Shawn S.

      Shawn S. rated Route 1 Motorsports

      My wife and I came to Route 1 Motorsports looking for a new ATV.. Our salesman Robert Nolen was absolutely a pleasure to work with!!! He was so informative and got us an amazing deal on a new 2020 CAN-AM OUTLANDER MAX XT 650!!? The entire staff made us feel right at home..Such a fantastic dealership!!! I recommend anyone looking for "Big Boy Toy's" to go see Robert Nolen and the incredible staff at Route 1 Motorsports!!!

    11. buy here pay here Palm Bay dealer review by Liz Walters

      Liz Walters rated Leonard’s Auto Inc

      I bought a 2003 Oldsmobile Alero three years ago from this dealer and it has been the best car I have ever owned. It needed a new battery and he replaced it just like he said he would. I had a 3000 miles or a month warranty and the only thing I needed to be fixed was the battery, although it tested good, it was not. He is a man of his word and in this day and age that is hard to find.

    12. buy here pay here Palm Bay dealer review by Mary Hildebrand

      Mary Hildebrand rated Leonard’s Auto Inc

      Personal...caring....1 on 1 service

    13. buy here pay here Palm Bay dealer review by Clash With Error

      Clash With Error rated Melissa’s Palm Bay Motors

      I just totaled my car and needed a car to keep my job. I was driving off the lot in a great car in no time. They worked with me with my not so great credit. Great customer service. They really go over the top to be a trustworthy business. They deliver a great product that is exactly what they say it was. I would recommend them to anyone who is weary about buying a used car. They won't let you down.

    14. buy here pay here Palm Bay dealer review by Tarran Harden

      Tarran Harden rated Melissa’s Palm Bay Motors

      I had a great experience at Palm Bay Motors. Melissa really worked hard to get me in a great truck. Very friendly service with a family atmosphere. Melissa also did her do diligence to ensure me a good finance deal with a down payment I could afford. I'd definitely recommend Palm Bay Motors if your looking for a great vehicle with awesome service..

    15. buy here pay here Palm Bay dealer review by Ayme Martin

      Ayme Martin rated Brevard Value Motors

      Best cars and awesome sales team. Brevard Value Motors, The Peoples Choice

    16. buy here pay here Palm Bay dealer review by Netta Bland

      Netta Bland rated Brevard Value Motors

      Perfect experience. Very honest with the whole process. Fast and good timing. Love James great man. All staff were awesome. Makes you feels like family all the way around the board. I will be coming back to purchase my next one here as well.

    17. buy here pay here Palm Bay dealer review by Big Time Vet

      Big Time Vet rated The Car Guys

      I’ve purchased two vehicles from this dealership. Both times I received the best customer service and both cars were well worth the money. They have taken used car sales to another level. I will always check with them before buying another car. Thanks guys for the great experiences!

    18. buy here pay here Palm Bay dealer review by amanda wallace

      amanda wallace rated The Car Guys

      I had a 2007 chevy cobalt got into a accident it was the other cars fault. Had a rental car. Whitney and kurt both helped me get in a car. Now i got a 2012 toyota camry which is so nice its better than the cobalt i recommend the car guys to anyone thats looking for a car.

    19. buy here pay here Palm Bay dealer review by Danny Figueiredo

      Danny Figueiredo rated Cars Today

      Great cars at a great price!!!

    20. buy here pay here Palm Bay dealer review by Jose Gonzalez

      Jose Gonzalez rated Cars Today

    21. buy here pay here Palm Bay dealer review by John Lennon

      John Lennon rated CarMax

      This was an awesome experience from start to finish. Our Car Max Sales Rep. couldn't have been better. He made us feel at ease all during the process by explaining in detail all the questions we had. We love our like new 2017 Chevrolet Equinox and we are so happy we followed the advice of a family member who recommended Car Max to us. There was none of the familiar sales pitch or the usual car dealerships haggling back and forth to the boss which caused anxiety when looking to buy a car and there was no surprises when the price was explained. It was a pleasure to purchase this car at Car Max and we were really happy to learn there was a four month or four thousand mile warranty that Car Max provided with our purchase. We'd recommend Car Max to anyone looking for a fine car and a truly great experience.

    22. buy here pay here Palm Bay dealer review by Robert Ricker

      Robert Ricker rated CarMax

      The new car dealership where I will buy a vehicle , it was extremely fair and painless. Everyone there was very professional and honest, can't say enough good stuff about them.

    23. buy here pay here Palm Bay dealer review by Janet Kindle

      Janet Kindle rated PNP Enterprises

      I have nothing but praise for this shop. The people are kind and helpful. I have had several things that needed fixing and I have always been happy with the wonderful service they have provided. I consider them to be honest and have reasonable rates. Thank you PNP for all the service and help.

    24. buy here pay here Palm Bay dealer review by Alan Kapornyai

      Alan Kapornyai rated PNP Enterprises

      Very honest and thorough! They are a great family-owned business! There is moving truck availability. We also sell fantastic used cars! They are honest and do great work! If it doesn't need it they don't push it.

    25. buy here pay here Palm Bay dealer review by Bside

      Bside rated Southeastern Honda

      Great experience brought a car yesterday! Awesome help from Mayra who would as very patience and helpful, she did a great job! Also Sean was very helpful also! I’m happy I found a good reliable car here and the staff was awesome! Thanks again

    26. buy here pay here Palm Bay dealer review by Lucia Carcieri

      Lucia Carcieri rated Southeastern Honda

      Bought my first car a couple months ago with Chelsea and I couldn’t have had a better experience. After having a horrible experience at the local Toyota dealership, Chelsea and her manager, Tony I believe, made sure to make up for it and got me an awesome deal. Couldn’t be more happy with my experience and my car! Will definitely be buying my next one here in a few years with Chelsea

    27. buy here pay here Palm Bay dealer review by Savannah Goetz

      Savannah Goetz rated Palm Bay Ford

      Brent was amazing! Also everyone there is very nice and super supportive! They stayed late just so i could get my car that night after closing hours i highly recommend visiting!!

    28. buy here pay here Palm Bay dealer review by Nada Devito

      Nada Devito rated Palm Bay Ford

      I have a 2010 Mustang Convertible that was bought in November of 2011 from this dealership. I continue to bring my car here for its routine maintenance. Scheduling service appointments online is a breeze! Sophia has been my service advisor for years. She is excellent, efficient and "on time". Thanks Sophia and PB FORD for providing terrific customer service!

    29. buy here pay here Palm Bay dealer review by M Wood

      M Wood rated Giant Recreation World – Palm Bay

      Elizabeth is a fabulous salesperson! Not only is she extremely knowledgeable but very personable. She takes the time to listen to your needs, likes and dislikes. We felt so comfortable, relaxed and enjoyed our shopping experience! We highly recommend her to all who are shopping for an RV. Thank you Elizabeth - you are fantastic at what you do and Giant is very blessed to have you as a salesperson.

    30. buy here pay here Palm Bay dealer review by Colleen Ryan

      Colleen Ryan rated Giant Recreation World – Palm Bay

      Fabulous place!!! It was a joy to buy our RV here!!! Our salesperson Elizabeth worked very hard to make this sale come together.... The GM was very accommodating... And Todd the finance guy was wonderful!!. Thanks Giant Recreation World!! ???

    31. buy here pay here Palm Bay dealer review by Todd Roach

      Todd Roach rated Bad Boys Toyss

      Get your motorcycle or vehicle detailed there if you want it done right at a fair price

    32. buy here pay here Palm Bay dealer review by Michael Barin

      Michael Barin rated Bad Boys Toyss

      Awesome! Stumbled upon these guys one day going to work.. These guys are personable and do business with great integrity. There was no pressure and easy going. They do what they say and under-promised and over delivered which is rare these days. Thank You for getting me back on the road again... Only motorcyclists know why dogs stick their heads out the window....

    33. buy here pay here Palm Bay dealer review by Ace 'Mook' Richz

      Ace 'Mook' Richz rated Brevard Auto Sales

      Brevard Auto sales is a great deal. Next time you're looking to buy an awesome used car to get you around town, come to Brevard Auto Sales. Quick and painless. Great customer service, and all around awesome experience. Willing to work with whatever you have. Great job guys.!! I will definitely be back!!!.

    34. buy here pay here Palm Bay dealer review by Elise Carew

      Elise Carew rated Brevard Auto Sales

      My daughter bought her first car here last month. They were honest and worked with us on issues that cropped up after we bought the car. They were caring, understanding and it has been an excellent experience for our family. They went above and beyond their responsibilities. I highly recommend this car lot. They are not the ordinary buy here pay here lot. Thank you Derrick and Mike.

    35. buy here pay here Palm Bay dealer review by Thomas McNamara

      Thomas McNamara rated Car Connection

      We Just a bought car from The Car Connection and was very happy with the service we received no high pressure. The owner(I think Pat) was very nice and easy to work with. I would recommend this dealer to anyone.

    36. buy here pay here Palm Bay dealer review by Stew's Super Kustoms

      Stew's Super Kustoms rated Car Connection

      Steven is a honest/fair person

    37. buy here pay here Palm Bay dealer review by Terri Gilkes

      Terri Gilkes rated Gator of Palm Bay

      Have bought 2 cars from there. They are very friendly and helpful. Let them know what you are looking for and they are great at matching you up with the right car for you. Highly impressed!

    38. buy here pay here Palm Bay dealer review by Harry Enos

      Harry Enos rated Gator of Palm Bay

      Great place with very good management they work with in anyway they can and very nice cars and trucks very reliable

    BHPH Palm Bay FL dealer

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