Top 5 Buy Here Pay Here Dealers in Philadelphia PA

Looking for a used car dealer in Philadelphia PA but your credit is in bad shape?

Connect with top 5 buy here pay here Philadelphia PA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Philadelphia'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 Philadelphia PA

  • LaBate Auto Sales Inc., PA

  • Best Buy Imports, PA

  • Eden Autos, PA

  • Best Buy Imports, PA

  • Prestige Auto Sales Inc., PA

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

    Why buy here pay here Philadelphia PA 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 Philadelphia PA 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 Philadelphia PA 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 Philadelphia PA Works

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

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

    The buy here pay here Philadelphia PA 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 Philadelphia PA 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 Philadelphia PA 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 Philadelphia PA

    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 Philadelphia PA

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

    While buy here pay here Philadelphia PA 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 Philadelphia PA 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.

    Philadelphia PA buy here pay here Reviews

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

    1. buy here pay here Philadelphia dealer review by Tracy Richardson

      Tracy Richardson rated LaBate Auto Sales Inc.

      The best car buying experience I ever had. Ms. Joan was super helpful she went above and beyond to make sure I got the car I wanted and left satisfied. I highly recommend this dealership!

    2. buy here pay here Philadelphia dealer review by Janis wilson-bey

      Janis wilson-bey rated LaBate Auto Sales Inc.

      Awesome service!! Love my new car thanks Everyone for giving me a better experience than any other company! Check them out if you need a car. They’ll help you get in a car that fits you!

    3. buy here pay here Philadelphia dealer review by Ryan Caputo

      Ryan Caputo rated Best Buy Imports

      Ask for Tomasz. He got me in the right car, at the right price! No one does it better than Best Buy Imports! Thank you Tom.

    4. buy here pay here Philadelphia dealer review by Suzanne Bamfield

      Suzanne Bamfield rated Best Buy Imports

      My experience at Best Buy Imports was amazing. Especially with my sales associate Ed. He was a complete gentleman and very professional. I would recommend anyone looking for a new Vehicle to come see Ed!!

    5. buy here pay here Philadelphia dealer review by Yvonne Guy

      Yvonne Guy rated Eden Autos

      The staff here is awesome!! I didn’t think that i would leave with a vehicle today. Richard worked a miracle for the second time for me. Great cars, no issues. I highly recommend them.

    6. buy here pay here Philadelphia dealer review by DM B

      DM B rated Eden Autos

      Just bought a vehicle from Eden Autos! Everyone there was great, especially my Sales rep, Richard. They have a really wide and stellar selection of vehicles for most every need. They made the process really easy. Super friendly staff, very customer service-oriented. Ron and Teresita wrapped up the process in a nice neat bow. I would highly recommend Eden Autos for your next vehicle purchase!

    7. buy here pay here Philadelphia dealer review by Ryan Caputo

      Ryan Caputo rated Best Buy Imports

      This dealership does it right! They were able to find me exactly what I wanted even though they didn't have any in stock! Great customer service and knowledgeable staff! Highly recommended!

    8. buy here pay here Philadelphia dealer review by Aljaee Lanier

      Aljaee Lanier rated Best Buy Imports

      This was such a great experience. Harry & Mike got me in & out of there in less than an hour. They worked with me & I was able to get what I wanted. I would recommend this place to all. They were really awesome. They were patient, honest & fair. Overall Great service.

    9. buy here pay here Philadelphia dealer review by Tracy White

      Tracy White rated Prestige Auto Sales Inc.

      I must say when I thought I was not able to get back on the road, Here comes Prestige. Bruce was amazing had me in a SUV in a short time frame. I love the SUV, and service was great!!!!!! Definitely recommend.

    10. buy here pay here Philadelphia dealer review by Crystal Souza

      Crystal Souza rated Prestige Auto Sales Inc.

      I found a nice car for a reasonable price and the staff helps EVERYONE! I'm also able to raise my credit when I make payments which is a plus. They also make you feel like family instead of a customer so these guys are awesome ?

    BHPH Philadelphia PA dealer

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