Top 20 Buy Here Pay Here Dealers in Paterson NJ

Looking for a used car dealer in Paterson NJ but your credit is in bad shape?

Connect with top 20 buy here pay here Paterson NJ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Paterson'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 Paterson NJ

  • Buy Here Pay Here Paterson, NJ

  • 500 Down Buy Here Pay here, NJ

  • Fast Track Motors, NJ

  • B&P Auto Sales, NJ

  • Galaxy Auto one LLC, NJ

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

  • JKJ Auto Sales, NJ

  • Envy Motors, NJ

  • Market Auto Sales, NJ

  • Grand Motor Sales, NJ

  • Paterson car emporium, NJ

  • Did you know? These BHPH Paterson NJ 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 Paterson 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.

  • Adams Auto Group, NJ

  • VNC Auto, NJ

  • J&J Auto Sales One, NJ

  • Pioneer Auto Group LLC, NJ

  • Imports Auto Sales Inc., NJ

  • The phrase buy here pay here Paterson NJ 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. Paterson 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.

  • 21st Ave Auto Sale, NJ

  • Hosanna Motors LLC, NJ

  • Riverside Wholesalers, NJ

  • Silk City Auto Mall, NJ

  • Sunshine Auto Sales, NJ

  • Why buy here pay here Paterson NJ 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 Paterson NJ 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 Paterson NJ 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 Paterson NJ Works

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

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

    The buy here pay here Paterson NJ 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 Paterson NJ 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 Paterson NJ 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 Paterson NJ

    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 Paterson NJ

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

    While buy here pay here Paterson NJ 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 Paterson NJ 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.

    Paterson NJ buy here pay here Reviews

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

    1. buy here pay here Paterson dealer review by Ellen James

      Ellen James rated Buy Here Pay Here Paterson

      I bought my Honda Accord here and I love it! Thanks!

    2. buy here pay here Paterson dealer review by Saira Velez

      Saira Velez rated 500 Down Buy Here Pay here

      Just wanted to share with everyone how happy I was after I left this wonderful place with my new car. First of all I wanted to thank Alexandra for everything she did for me! she was awesome & helpful since I made my fist call to get some information to the very end. Her sweetness and charming attitude makes everything easier. She went above and beyond with her service to help get the car I needed. I highly recommend this place and please ask for Alexandra she is the BEST! ?? NEED A CAR CALL ALEXANDRA!

    3. buy here pay here Paterson dealer review by brea barron

      brea barron rated 500 Down Buy Here Pay here

      Getting a car from here was a great experience. All the staff were very helpful especially Sam! He got me into an affordable car that’s to my liking. Very helpful and answered all of my questions. Overall a great experience!!

    4. buy here pay here Paterson dealer review by Zi Dong Fan

      Zi Dong Fan rated Fast Track Motors

      I was working with Mostafa who was wonderful and very honest. He was always hustling to get us our answers and the best price possible. The process was efficient and seamless.

    5. buy here pay here Paterson dealer review by Lorraine Davis Olsen

      Lorraine Davis Olsen rated Fast Track Motors

      I had a great experience buying my car from this dealership. I highly recommend Hadi. He was professional and extremely helpful. He went out of his way to help me with the financing and trying to get me the best deal. They have a great car selection and their prices are very reasonable!

    6. buy here pay here Paterson dealer review by Mario Turner

      Mario Turner rated B&P Auto Sales

      One of kind dealership! First, I’ve owned many vehicles and I am knowledgeable on how to work on them. I made an appointment to see a two vehicles. I drove two hours that day, skeptical about what the condition of these vehicles would be. The best part of this experience is the amazing outcome. I decided to buy one of the vehicles. Carlos showed me the work he had done to the car and I asked if he knew of any other issues. As I drove home, I smelled oil burning, I called Carlos and he immediately was ready to address the situation. I took a look at the engine bay and found the problem. It wasn’t too obvious but with a skilled set of eyes I found it. Carlos and Nelson did the unexpected and forever earned a customer. They went out and bought all the parts I would need to fix the issue and met me near my work (1hour drive from their dealership). I have never met a dealership who would’ve done that. This experience is worth sharing. You want a down right honest dealership and a good deal. These guys offer it. Thanks guys for the all you did to make me a happy customer. Regards, Mario

    7. buy here pay here Paterson dealer review by Chynna Maye

      Chynna Maye rated B&P Auto Sales

      I have been dealing with Carlos for years and this place is highly recommended. Carlos is the best sales person I ran into I love all my trucks I have ever bought from Carlos. I thank him

    8. buy here pay here Paterson dealer review by Millennial Events

      Millennial Events rated Galaxy Auto one LLC

      I just bought my 2008 drop top from Alex and it ride like a champ. No problems the deal went smooth. He actually looked out for me because I was a first time customer. Appreciate that buddy. I will definitely be coming back soon for my fiancé’s car. Highly recommend this dealership. I’m glad I traveled from New York to come check you out. Well worth it!!

    9. buy here pay here Paterson dealer review by brandon acosta

      brandon acosta rated Galaxy Auto one LLC

      Was looking for a commuter car when I stumbled across galaxy. Was immediately greeted when I walked into the lot. Found a 2008 Audi I liked, and was offered to take it on a test drive. Alex is honest and takes care of his customers. Found myself a great car and a used dealership I will come back to when in need of another used car! DEFINITELY RECOMMEND

    10. buy here pay here Paterson dealer review by Ray Portela DAC Business Consultant Opportunity

      Ray Portela DAC Business Consultant Opportunity rated JKJ Auto Sales

      I just want to say how great the ladies at JKJ Auto Sales are, they really are sweet and they work very hard to help you with the payments or any issues you may have, they do go out of their WAY!!! Thank YOU Smiley,Ana,Maria and Silzania!!! God Bless You and all of you guys ARE THE BEST! I recommend to all by your car at JKJ Auto Sales THEY WORK WITH YOU!!!!

    11. buy here pay here Paterson dealer review by Sharon Mckenzie

      Sharon Mckenzie rated JKJ Auto Sales

      The sales person was very nice and the cars are very well kept. And the hospitality was on point and every one is very nice and raymond and his wife is very happy with the automobile and will recommend to go and purchase a vehicle ....

    12. buy here pay here Paterson dealer review by Qua Kellz

      Qua Kellz rated Envy Motors

      My experience at Envy Motors was great. The deal took two days but I had to get things together to close the deal on my end but They were very patient with me, very helpful and most of all their customer service was excellent and professional. Robby and Laura broke everything down for me so it went smooth and we built a great relationship. I have future plans of returning to do more business with them and I definitely recommend them to anyone looking for a vehicle. I could go on and on. I’m satisfied and happy so thanks again Robby and Laura you guys were a great choice. ~Ronnie

    13. buy here pay here Paterson dealer review by Micheal Justovik

      Micheal Justovik rated Envy Motors

      Nice and clean cars on there lot. Great customer service, they were very nice and pleasant to talk to.Rob and Jenny answered all my questions and they were very knowledgeable about the finance they also shopped around for me get get me the best rate on an insurance policy.after the financial process was finished the rob the manager himself came out and hosed and wiped my car,I thought that was a great thank you guys will recommend all my friends and family members. ?

    14. buy here pay here Paterson dealer review by james weakley

      james weakley rated Market Auto Sales

      Great dealership !! The car was everything they promised it would be. It was great working with Andy and Sam. I highly recommend auto sales market.

    15. buy here pay here Paterson dealer review by S. S.

      S. S. rated Market Auto Sales

      Bought my Audi A6 from Andy yesterday. The whole experience was simple and easy. The lot could use some TLC but the guys work well with what they have. No crazy car sales pressure, just simple light hearted environment. Will keep updated if anything changes in my recent purchase. As of now, all good.

    16. buy here pay here Paterson dealer review by Asun Muckle

      Asun Muckle rated Grand Motor Sales

      I bought my car here about 3 years ago and I still think about how Cory really helped out my mother and me with getting my car. Today, people are all too quick to leave a bad review for the smallest inconvenience and the absolute least I can do is post an overdue but absolutely much deserved positive review. The people at Grand Motor Sales have been good and honest in my experience. I would trust them again with my time and business.

    17. buy here pay here Paterson dealer review by Angela Dunn

      Angela Dunn rated Grand Motor Sales

      Brought about 5 cars from this dealer. Corey is a wonderful person to work with, very honest and helpful as so was his dad..

    18. buy here pay here Paterson dealer review by Mark Anderson

      Mark Anderson rated Paterson car emporium

      Nice cars

    19. buy here pay here Paterson dealer review by ISLAM SHWANA

      ISLAM SHWANA rated Paterson car emporium

      Love. Cars

    20. buy here pay here Paterson dealer review by Kyle Andres

      Kyle Andres rated Adams Auto Group

      Adam’s Auto Group is full of great understanding people, I got approved for my first truck, and I’m 18 with absolutely no credit. Luis is a great understanding salesman who works with everyone’s needs and makes all of his customers happy and he did that with me. Thank you Adam’s Auto Group for helping me out! I recommend this dealership, 100% for anyone looking for a car.

    21. buy here pay here Paterson dealer review by Ensa Sangiorgi

      Ensa Sangiorgi rated Adams Auto Group

      My husband & I just purchased a 2011 Land Rover Range Rover 2 wks ago and we love it.. I Highly recommend that you come to Adams Auto Group in Paterson if you are looking to purchase a Used Vehicle. The Customer service and Salespeople are amazing... They will get you into a car asap. 5 stars to this dealership... ESangiorgi

    22. buy here pay here Paterson dealer review by christian jemmott

      christian jemmott rated VNC Auto

      Kadir is awesome... Got me a low price on my financing, lower than the bank demanded. He made the process take minimal time. He got my insurance lower than I would of gotten without his professional advice. Bro I hope this car last but if it don't I'll definitely be back!!!!

    23. buy here pay here Paterson dealer review by Wa Lee

      Wa Lee rated VNC Auto

      Good customer service and great character for the car business. No hassle and very good with communication

    24. buy here pay here Paterson dealer review by Juan Carlos Sanchez

      Juan Carlos Sanchez rated J&J Auto Sales One

      Excellent service.

    25. buy here pay here Paterson dealer review by Marwa N.

      Marwa N. rated J&J Auto Sales One

      Nice place, guys there are honest and great! They fix your car in a professional, efficient way.

    26. buy here pay here Paterson dealer review by Rey Villanueva

      Rey Villanueva rated Pioneer Auto Group LLC

      Just bought a Chevy Impala everyone was very nice and explained the procedure to me ( this is my first car ) . When I wanted to test it out they let me and were nice about it. Worked in a pretty fast manner came in at 12 came out at 2 with my car. Thank you all for the help.

    27. buy here pay here Paterson dealer review by kaferey adige

      kaferey adige rated Pioneer Auto Group LLC

      Great dealership. I came in not knowing what I wanted and Sey helped me to pick out a nice Kia Soul. Just helped me finance the car with ease. It only took me an hour and $1400 to drive off the lot with a brand new Kia. The owner, Adam brought me coffee and treated me very well. THE BOSS BROUGHT ME COFEE!! CAN YOU IMAGINE. I got a 2 year warranty so I feel super safe. Thank you Pioneer !!!

    28. buy here pay here Paterson dealer review by Kay Bail

      Kay Bail rated Imports Auto Sales Inc.

      These guys are so awesome, kind and patient. I’ve had my car for a week and I absolutely love it. I financed a stick not knowing how to drive one and they taught me while they did the paperwork. The whole process was easy. I enjoyed this place so much I told my coworker and she went and got herself a car and received the same treatment. It was so good to hear! I told her those were great and she proved me right!

    29. buy here pay here Paterson dealer review by Kristy Zierenberg

      Kristy Zierenberg rated Imports Auto Sales Inc.

      Best car buying experience, hands down! With a fantastic selection of cars, no pressure sales and friendly service, why go anywhere else?

    30. buy here pay here Paterson dealer review by Wanda Perez-Zapata

      Wanda Perez-Zapata rated 21st Ave Auto Sale

      Got there for a specific vehicle but it wasn't what I wanted. However my fiance found a Dodge Ram he liked. He checked it out and after talking it out with me, we decided to try to negotiate it. The sales guy, José, was polite, friendly, and a real good person to deal with. Long story short, we bought the truck and are very happy with the transaction. Everything went smoothly. The truck was clean and the paperwork ready for pickup the next morning when we arrived. Next time I need a vehicle, that will be my first stop.

    31. buy here pay here Paterson dealer review by Eduardo Galarza

      Eduardo Galarza rated 21st Ave Auto Sale

      Good people, good cars and good prices

    32. buy here pay here Paterson dealer review by Victor Cuevas

      Victor Cuevas rated Hosanna Motors LLC

      This people treat you as a Family!! Very Very good service!! Very nice plans of payment! They do the best for you can go home with a smile these are people that you can really trust I’m very happy with my new car.

    33. buy here pay here Paterson dealer review by Ana Padilla

      Ana Padilla rated Hosanna Motors LLC

      I've brought more then 15 cars here and I' am very satisfied with the service! These people are amazing they make you feel like family even though you just met them! Very professional and honest people, they will let you know whats the best car for you and whats affordable for your budget. I will never leave these people! Honest and Awesome service!! RELIABLE CARS TOO WHAT MORE CAN YOU ASK FOR...

    34. buy here pay here Paterson dealer review by FoundationHCF .

      FoundationHCF . rated Riverside Wholesalers

      Had a great experience with Trent and Riverside Wholesalers. I bought a high millage 2010 Hyundai for my teenage daughter that is in good condition. He was fair on price negotiation, and as well has a lift and body shop to fully check out the car you are buying. He sent many photos of the car's undercarriage so I knew exactly what I was buying. There are some good deals here for anyone who is on a budget can find a decent car, and the owner Trent seems like a good guy who does his best to help you.

    35. buy here pay here Paterson dealer review by Jessica Phillips

      Jessica Phillips rated Riverside Wholesalers

      Bought my first car from here (and first dealership experience), the owner & his wife were very friendly with helping me throughout the process. The mechanics made sure my car was ready to go & went as far as lifting the car up to give me an entire inspection on the vehicle before I made my final decision. They even helped me get insurance with a great deal! Will recommend this dealership to family & friends. If you’re looking for a trusted, friendly place to find a car.. this is the place you’re looking for.

    36. buy here pay here Paterson dealer review by alfredo jr herrera

      alfredo jr herrera rated Silk City Auto Mall

      I want to truly thank Mr Eric for helping out with the purchase of our new truck. They greeted us with a smile and we felt comfortable immediately. Very professional and go out of their way to make sure everything goes smooth as possible. Definitely recommend. Will be back soon

    37. buy here pay here Paterson dealer review by cell pat

      cell pat rated Sunshine Auto Sales

      even though i ended up finding the car i was looking for somewhere else, they were very kind and offered to help me finance whatever car i wanted, and were friendly and courteous. I had to go somewhere else only because they didn't have what i was looking for. but based on the way i was treated, i would definitely recommend them to anybody.

    38. buy here pay here Paterson dealer review by Rebecca Martinez

      Rebecca Martinez rated Sunshine Auto Sales

      Sale person and manager were very responsive to my needs and questions. Sales process was without the typical "bait and switch" attempts. The agreed sales price was the price paid with no unexpected charges. There were a few surprises that were not the fault of the sale person or dealership. Would recommend Sunshine Auto Sales to friends and family. Rate 5*

    BHPH Paterson NJ dealer

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