Top 15 Buy Here Pay Here Dealers in Peoria IL

Looking for a used car dealer in Peoria IL but your credit is in bad shape?

Connect with top 15 buy here pay here Peoria IL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Peoria'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 Peoria IL

  • Cruze-In Auto Sales, IL

  • Uftring Ford, IL

  • Prospect Auto Mart, IL

  • CarWise Peoria, IL

  • The Auto Link, Inc., IL

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

  • McCormick Auto Place, Inc., IL

  • Green Ford, IL

  • Heights Auto Sales, IL

  • Byrider Peoria, IL

  • Premium Pre-Owned Autos, IL

  • Did you know? These BHPH Peoria IL 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 Peoria 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.

  • Green Chevrolet, IL

  • Dave’s Garage & Auto Sales, IL

  • Advantage Auto Sales, IL

  • Auto Lane, IL

  • Peoria Motors, IL

  • The phrase buy here pay here Peoria IL 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. Peoria 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.

    Why buy here pay here Peoria IL 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 Peoria IL 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 Peoria IL 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 Peoria IL Works

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

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

    The buy here pay here Peoria IL 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 Peoria IL 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 Peoria IL 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 Peoria IL

    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 Peoria IL

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

    While buy here pay here Peoria IL 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 Peoria IL 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.

    Peoria IL buy here pay here Reviews

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

    1. buy here pay here Peoria dealer review by Tim Leach

      Tim Leach rated Cruze-In Auto Sales

      Awesome experience! Not a big fan of buying from a car dealer, but we will be buying from Cruze-In again. Amanda and her team are second to none & made our car buying experience extremely simple! Easy quick process and she did everything she said she would! Great job Amanda! Thank you so much!

    2. buy here pay here Peoria dealer review by Katonnia Kelley

      Katonnia Kelley rated Cruze-In Auto Sales

      Easy and best experience I had. Great service and wonderful woman!! I would definitely purchase another vehicle

    3. buy here pay here Peoria dealer review by Beverly Dickson

      Beverly Dickson rated Uftring Ford

      We had to take our Forester in for some service and we accidentally came upon Mike Andersen and asked him a bunch of questions about the Ascent and misc stuff. He was so easy to talk to and answered all our questions. With Mike's help, we decided to buy a new Ascent and, also a used truck which we had asked Mike to find for us. Mike Andersen is the best. He made us feel very comfortable...no pressure. We're very happy with Mike and Uftring!

    4. buy here pay here Peoria dealer review by maria marty

      maria marty rated Uftring Ford

      A couple of weeks ago my husband and I went to Uftring Subaru to do test drive since I needed a new vehicle and was interested in a small SUV. Travis Doubet greeted us as we walk in and quickly took us to check the Forester. Travis was very helpful in explaining the new technology of this vehicle, which we were not familiar with and set us to test drive a couple of them. I liked how Travis was very relaxed, and not pushy whatsoever, giving us our space to make our decision, but making sure he was there to answer any questions needed. We ordered a roof rack for which it only took two days to come back. All the staff was very friendly and pleasant to deal with.

    5. buy here pay here Peoria dealer review by Nathan Meadows

      Nathan Meadows rated Prospect Auto Mart

      I bought a Honda odyssey from these guys and they're fantastic! Price was great and they also helped me with a few odds and ends I noticed! I would definitely recommend these guys to anyone looking for a good used car.

    6. buy here pay here Peoria dealer review by Don Tangman

      Don Tangman rated Prospect Auto Mart

      Good hard working people. They won't let you down.

    7. buy here pay here Peoria dealer review by Kenna Craig

      Kenna Craig rated CarWise Peoria

      Car wise is one of the most honest and helpful dealerships I have ever been to. We had Brandon as our rep and I’ve never met an employee so willing to help people in need of a car. Patient and Great customer service and table side manner!! Highly recommend carwise above any other dealership in the area!! Ask for Brandon and John!!

    8. buy here pay here Peoria dealer review by Larnitra Butler

      Larnitra Butler rated CarWise Peoria

      I went into CarWise because my engine blew up in my vehicle. I went in very depressed because I had just started a new job that day and knew I had to get in a vehicle fast. Rodney and Mario treated me with so much respect and love, I actually felt at ease after bout 10 minutes walking in the door. My credit was horrible but they gave me tons of options and finally after finding a cosigner. I was approved for a beautiful truck. Thanks you guys so much! They have no idea how much I'm grateful for their friendly service and encouraging words throughout the day meant to me. I will always shop at CarWise if I need a vehicle.

    9. buy here pay here Peoria dealer review by Kandace Mallette

      Kandace Mallette rated The Auto Link, Inc.

      Absolutely THE best car buying experience I’ve ever had! Luke and the team we’re absolutely AMAZING through the entire process start to finish! Affordable prices and amazing customer service! They really do go above and beyond to help make sure you get what you need and can afford, they are so eager to help! Not a pushy sales type environment either which is great, very relaxed and fun experience! I would HIGHLY recommend to anyone looking for a car! Don’t waste time anywhere else, check them out! I couldn’t be happier with my “mom van!” She’s beautiful!! Best part I can fit all 6 of my kids!

    10. buy here pay here Peoria dealer review by brandon bowen

      brandon bowen rated The Auto Link, Inc.

      Absolutely cannot give enough stars. I have been turned away, shutdown, laughed at, and lied to. But Andy, Chad and Luke along with all the rest of the team didn't do any of the sort. They went above and beyond to make sure I got the vehicle not only I wanted but my family needed. They didn't treat me like I was below them. I was treated with utmost respect. I will be a forever customer moving foward. Thanks again guys and gals. I will refer everyone I know to you. You guys RAWK!!!!

    11. buy here pay here Peoria dealer review by Donald Schneider

      Donald Schneider rated McCormick Auto Place, Inc.

      Great place for purchasing a vehicle!! Owners are very knowledgeable and very friendly and listen to what your needs are. I will purchase from here again!!

    12. buy here pay here Peoria dealer review by Cindy Mcdonough

      Cindy Mcdonough rated McCormick Auto Place, Inc.

      Thank you John for being so kind, honest and caring. Folks if your looking to buy an auto call John first. I assure you there are NOT many if ANY dealers like him out there. Thanks again for the SMOOTH transaction. WE LOVE OUR NEW TRUCK. We'll be back a third time I'm sure?

    13. buy here pay here Peoria dealer review by Carl Davis

      Carl Davis rated Green Ford

      Very friendly. Nice selection of trucks to choose from.

    14. buy here pay here Peoria dealer review by Nick Formhals

      Nick Formhals rated Green Ford

      Good experience, great sales team. Really helped me find what I wanted within my price range. And, best of all, my USED vehicle has a LIFETIME warranty on the drivetrain and any moving part in the motor... FOR FREE!! That alone makes it worth purchasing a new or used vehicle from Greene Ford. Greene Chevy, however, absolutely the worst customer service. I wrote a review that goes into detail, I highly suggest reading it before doing any business with them.

    15. buy here pay here Peoria dealer review by Emily Moore

      Emily Moore rated Heights Auto Sales

      I've gone here for years. Never had a problem. Both Marv and Kathy are wonderful people and they take good care of your car.

    16. buy here pay here Peoria dealer review by Suzy Lewellen

      Suzy Lewellen rated Heights Auto Sales

      Great fair and friendly service.

    17. buy here pay here Peoria dealer review by Damian Prather

      Damian Prather rated Byrider Peoria

      Sales guy was cool af. Had a real comfortable and laid back experience. Would definitely recommend.

    18. buy here pay here Peoria dealer review by Antwan Phelps

      Antwan Phelps rated Byrider Peoria

      Absolutely professional. They are working with me and all is well. Would recommend it to everyone searching for a nice used car at affordable prices. # no cap

    19. buy here pay here Peoria dealer review by Jay Spann

      Jay Spann rated Premium Pre-Owned Autos

      Great place to buy quality use cars,truck,suvs +SUPER AUTO REPAIR. NEW USED TIRES. IS LOCATED IN THE SAME BUILDING . FOR ALL OF YOUR AUTO REPAIR & TIRE NEEDS CALL 309 -253- 6104

    20. buy here pay here Peoria dealer review by N C

      N C rated Premium Pre-Owned Autos

      You can trust this dealer. If you find that something is wrong with vehicle he will more than likely repair it at no cost to you. I will always return here. I've sent family, friends, and students to this dealer due to fact that he is honest with his customers.

    21. buy here pay here Peoria dealer review by Russ Peters

      Russ Peters rated Green Chevrolet

      Called to ask a few questions about a vehicle that was sold by Green Chevrolet. Astonished at how friendly and helpful Green Chevrolet was - especially because it was about a vehicle sold in 2017! But most astonished by there Steel Parks in there Service Department. Even though they did not have the information I needed, he went out of his way to get me in contact with the appropriate sources. Even looking up the phone number for me and giving me some great advise. Wow! Customer Service like that is rare to find. Greatly impressed by Green Chevrolet because of Mr. Steel Parks! Kind Regards, Russ Peters

    22. buy here pay here Peoria dealer review by Erin Baker

      Erin Baker rated Green Chevrolet

      Roman is the best salesperson if you are looking for someone who is very knowledgeable and not into high pressure sales then you need to ask for Roman. We just bought our third vehicle from him and we would highly recommend him.

    23. buy here pay here Peoria dealer review by Darrell Brown

      Darrell Brown rated Dave’s Garage & Auto Sales

      He gave me wonderful information about a no good mechanic that charged my elderly auntie$159.00 for nothing he was supposed to check her car to see what was wrong with it.He didn't and still charged her for nothing.

    24. buy here pay here Peoria dealer review by Christian ward

      Christian ward rated Dave’s Garage & Auto Sales

      Very good service!!

    25. buy here pay here Peoria dealer review by Niki Samborski

      Niki Samborski rated Advantage Auto Sales

      Shelley was awesome. Was able to help me even with bad credit. Truck went out on me and didnt have a vehicle came in and was able to get into a car i liked. Great experience. She was honest and told me how it was. No games no hidden info. Just great experience. Will be buying again from her when the time comes.

    26. buy here pay here Peoria dealer review by shontique Lottie

      shontique Lottie rated Advantage Auto Sales

      Our experience was one of a kind we went to purchase a second vehicle and Shellie made it possible. The whole team at advantage has great customer service and really cared about us making the right purchase.

    27. buy here pay here Peoria dealer review by Roberta Shaffer

      Roberta Shaffer rated Auto Lane

      Nice

    28. buy here pay here Peoria dealer review by Jimmy Martin

      Jimmy Martin rated Auto Lane

      We got a really nice car at a great price! Very happy with the service.

    29. buy here pay here Peoria dealer review by Ya Brother

      Ya Brother rated Peoria Motors

      This dealer is totally awesome! He is great with people and he has an impeccable personality. I wasn’t even buying anything from him, all I wanted was to ask him a question about car titles. He answered all my questions and gave me alternative solutions to my problems. We need more people like this guy in the world.

    30. buy here pay here Peoria dealer review by Benjamin Tarr

      Benjamin Tarr rated Peoria Motors

      If I could rate this place ten stars I would. The owner was accommodating and pleasant to talk to. I got a good deal for a very nice car. They sell cars and work on them too. They stand behind what they sell and make sure what they sell isn't going to break down as soon as you leave the lot. If someone needs a car I will recommend they check here first. Thank you, I really appreciate it. Best wishes

    BHPH Peoria IL dealer

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