Top 8 Buy Here Pay Here Dealers in Phoenix AZ

Looking for a used car dealer in Phoenix AZ but your credit is in bad shape?

Connect with top 8 buy here pay here Phoenix AZ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Phoenix'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 Phoenix AZ

  • In-Power Motors 2 LLC, AZ

  • Venado Auto Sales, AZ

  • Drive Now, AZ

  • Cactus Jack’s Auto Bell Road, AZ

  • Auto Action, AZ

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

  • In-Power Motors 3 LLC, AZ

  • Auto Action, AZ

  • Cactus Jack’s Auto Camelback, AZ

  • Why buy here pay here Phoenix AZ 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 Phoenix AZ 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 Phoenix AZ 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 Phoenix AZ Works

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

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

    The buy here pay here Phoenix AZ 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 Phoenix AZ 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 Phoenix AZ 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 Phoenix AZ

    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 Phoenix AZ

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

    While buy here pay here Phoenix AZ 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 Phoenix AZ 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.

    Phoenix AZ buy here pay here Reviews

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

    1. buy here pay here Phoenix dealer review by Ariel Ruiz

      Ariel Ruiz rated In-Power Motors 2 LLC

      Great service!! Everybody is super friendly and helpful, Fernanda Luna helped me a lot!! She answered all of my questions, she was there to help me out caring a huge smile on her face. She was really friendly and willing to help!! Highly recommend!! GREAT experience buying my first car!!

    2. buy here pay here Phoenix dealer review by Esa Sweety

      Esa Sweety rated In-Power Motors 2 LLC

      They are so amazing helpful and worked with us alot. Happy with the experience Luis is the best and really the best experience ever with buying a car.

    3. buy here pay here Phoenix dealer review by Donna Concannon

      Donna Concannon rated Venado Auto Sales

      Drove from Aztec NM to Phoenix to purchase a vehicle for my daughter. Brian was extremely helpful! Found what I was looking for, great price, great vehicle! I would highly recommend!

    4. buy here pay here Phoenix dealer review by Amanda Brooks

      Amanda Brooks rated Venado Auto Sales

      Turned my not so great situation to get a car into the easiest transaction ever. Car that I bought at a great price and he even knocked the price down for me. Mom of 4 kiddos. Great place I highly recommend

    5. buy here pay here Phoenix dealer review by Alexis Nicole

      Alexis Nicole rated Drive Now

      Abraham was a very good salesman. He got us in and out quickly. We were able to test drive the car and he answered all of our questions. I am glad I came to Drive Now. I would recommend this place to friends looking for a vehicle to finance.

    6. buy here pay here Phoenix dealer review by Ange Voo voo

      Ange Voo voo rated Drive Now

      Omg! Quick easy N made my year! Thank your Abraham!

    7. buy here pay here Phoenix dealer review by Sal Stewart Soto

      Sal Stewart Soto rated Cactus Jack’s Auto Bell Road

      I came into cactus and they were fast and nice I spent about an hour here and Rick was very helpful w his recommendation. He had a good sense of humor and overall lead us into our new car. I put an arm down and drove away, but no simply just put down at least 500 down and I promise you they will help you. The environment was casual, pleasant and helpful. Thank you Cactus Jack ?

    8. buy here pay here Phoenix dealer review by Serena Hoerl

      Serena Hoerl rated Cactus Jack’s Auto Bell Road

      John helped my husband and I get a awesome 2011 Dodge. We have had several bad experiences with auto dealerships and John was very sweet and answered all our questions. We got a great deal with our bad credit and limited income. Also this place helps build your credit! Thank you John & Cactus Jack for helping us fulfill our dream of finding a van for our family! I will be recommending everyone I know looking for a vehicle!

    9. buy here pay here Phoenix dealer review by VERONICA HERNANDEZ

      VERONICA HERNANDEZ rated Auto Action

      No hassle car buying got a car the same day super easy terms very happy!

    10. buy here pay here Phoenix dealer review by Kingjacob Aguirre

      Kingjacob Aguirre rated Auto Action

      Today me and my girl went it looking for a good vehicle with a great price and something with more room and we found something affordable and with a lot of space, Daniel and Kevin knows how to communicate with his customers, real nice friendly guy. I would highly recommend Auto Action to my family and friends

    11. buy here pay here Phoenix dealer review by Kalyssa Dehoyoz

      Kalyssa Dehoyoz rated In-Power Motors 3 LLC

      Bobby was great ! Just purchased a 2016 Nissan with low miles for a great monthly payment !! Couldn’t be more happier , they did everything they can to get me the perfect car for me. I recommend to everyone:)

    12. buy here pay here Phoenix dealer review by Maxziel Castro

      Maxziel Castro rated In-Power Motors 3 LLC

      I bought an Acura TL here a while ago and man would i say its the best purchase ive ever done highly recommend these guys they have great customer service and cars to choose from !

    13. buy here pay here Phoenix dealer review by LeUntaa Henryy

      LeUntaa Henryy rated Auto Action

      My experience was great. First time buyer. Carlos provided helpful information. They got me approved. I'm happy & satisfied. They guarteed to help you. Let them know what you want & they will take it from there

    14. buy here pay here Phoenix dealer review by Jose Montano

      Jose Montano rated Auto Action

      Good customer service and i would recommend to people looking to buy a car

    15. buy here pay here Phoenix dealer review by Rozie Boss

      Rozie Boss rated Cactus Jack’s Auto Camelback

      Transparent, Affordable, and Professional services here. The car buying process was seamless. The inventory was diverse and I ended up driving away with a Toyota Highlander which is perfect for my outdoor and adventure lifestyle. I even recommended my coworker to buy a car, which gave me an incentive towards my next payment. The finance department has been phenomenal especially during these uncertain economic times. I have nothing but good things to say about the good people at Cactus Jack's Camelback Finance. *Highly Recommend*

    16. buy here pay here Phoenix dealer review by Shannon

      Shannon rated Cactus Jack’s Auto Camelback

      Matthew is amazing!!! He made this whole process completely painless and explained things to me in terms that I could understand! He got me into a car same day that works for my lifestyle. THANK YOU MATTHEW!!!! You're the best! Ask for MATTHEW S. when you come in! Tell him Shannon sent you!

    BHPH Phoenix AZ dealer

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