Top 14 Buy Here Pay Here Dealers in Plano TX

Looking for a used car dealer in Plano TX but your credit is in bad shape?

Connect with top 14 buy here pay here Plano TX car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Plano'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 Plano TX

  • carmania.com, TX

  • C3 Auto, TX

  • Classic BMW, TX

  • Auto Locators of Texas, TX

  • Silver Star Motorcars, TX

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

  • Enterprise Car Sales, TX

  • Lone Star Cars, TX

  • Autos of Dallas, TX

  • Huffines Chrysler Jeep Dodge RAM Plano, TX

  • Reynolds Auto Group, TX

  • Did you know? These BHPH Plano TX 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 Plano 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.

  • Central Kia of Plano, TX

  • Auto Merchants, TX

  • 3400 Auto Sales & Service, TX

  • Broadway Vehicles LP, TX

  • Why buy here pay here Plano TX 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 Plano TX 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 Plano TX 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 Plano TX Works

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

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

    The buy here pay here Plano TX 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 Plano TX 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 Plano TX 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 Plano TX

    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 Plano TX

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

    While buy here pay here Plano TX 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 Plano TX 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.

    Plano TX buy here pay here Reviews

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

    1. buy here pay here Plano dealer review by Dave Schnittka

      Dave Schnittka rated carmania.com

      Great Experience! I recently purchased a vehicle. I was paired up with Gabriella. I was a bit concerned about buying a car without test driving it first. She supplied me with all the videos/pictures I requested including a video of a test drive. The purchase transaction went smoothly. I got a great price and had my car quickly delivered all the way to Wisconsin. I ran into one small issue with transportation which Gabriella quickly worked out until I was satisfied. I will definitely look to her for our next car. I’d highly recommend Gabriella and the dealership. Thank you!

    2. buy here pay here Plano dealer review by Fredy Tabora

      Fredy Tabora rated carmania.com

      Ive been searching for a auto for 3 months and haven't seemed to be able to find a location that seems trust worthy as Carmania! Very exceptional service. Gabriella walked me through step by step. Outstanding people skills goes a long way especially on a phone basis. My entire experience was seamless. Gabriella ensures we had all the information needed and followed up with any questions in a promptly manner. Everyone I encountered was very nice and attentive.

    3. buy here pay here Plano dealer review by Cuss Bunny Sid

      Cuss Bunny Sid rated C3 Auto

      Great cars, EXCELLENT service & no nonsense. I couldn't be happier with my experience. My retired parents recently returned to Texas & I wanted to get something bigger and more comfortable than my pickup so I can drive when we're doing things together. I didn't need a bunch of tech-y features & didn't want to spend $25k+ for a second vehicle. I had met the people at C3 before but never bought from them. The experience was great & this is now the 1st place I'll go when I need my next car. I did the research & knew what I was looking for. Daniel and Nichole helped me find and buy the exact make & model I wanted. In fact, most of the deal was done before I even saw the car. It wasn't the least expensive example in town but it was a clean, local, one owner car with low miles, a clean Carfax, and a good service record so I felt like the price was fair. I've had my car for about 4 months now and love it. Because it was an older car my bank wouldn't finance it, but C3 even helped with that & got me a better rate than mine was offering for later model used cars. I would definitely recommend C3 and buy from them again.

    4. buy here pay here Plano dealer review by John Shumaker

      John Shumaker rated C3 Auto

      Wow, what a different inventory model. Older vehicles with very low mileage is the bulk of their inventory. Perfect for the High School or College bound kid that needs a dependable car to get them trough school. Remember these are 10 to 15 year old used cars, but that offer a 7 day power-train warranty and most everything they sell. Make sure to speak to Danny, Larry and Brian and tell them that you saw this on Google and Shu sent you . On a side note you must bring "REPO" their black lab a snack. He'll love you forever.

    5. buy here pay here Plano dealer review by Alison James

      Alison James rated Classic BMW

      I've been a customer of Classic BMW Plano, for almost a year now. Everyone has been super friendly and helpful. A couple of months ago, I moved from Plano to Uptown. I recently had the car serviced. Cody Garcia has been exceptional! I know there's another dealership closer to me, however, I will always drive to Plano, because I know I'm going to get the best customer service!! At any given chance, I will recommend Classic BMW Plano.

    6. buy here pay here Plano dealer review by Kyle Creacy

      Kyle Creacy rated Classic BMW

      Car buying the way it should be! Brett Ray was amazing to work with. I really felt she was doing the best for me. Every step was easy and all the folks I worked with at Classic were exceptional. If you every consider a BMW or Mini, go see Brett and the team at Classic. I definitely will be !!

    7. buy here pay here Plano dealer review by Ryan Griffiths

      Ryan Griffiths rated Auto Locators of Texas

      Excellent place to consign your vehicle. Richard is great and very up front pricing and they really do a great job of putting your vehicle out there to get the best money they can. Sold my 2015 Silverado which was a great truck. Whoever got it is lucky! I miss it already. Can't recommend them enough.

    8. buy here pay here Plano dealer review by Rubi Deslorieux

      Rubi Deslorieux rated Auto Locators of Texas

      I recently bought a great Infiniti G37 from Auto Locators. Let me state emphatically that I do not like purchasing a car (whether new or used) and dealing with the "selling" and "negotiation" tactics of the car sellers. I spent a significant amount of time researching various dealerships/sellers using the following criteria: inventory levels/vehicle availability/quality & features, website reviews, length of time in business, responsiveness of the team, professional courtesies and transaction speed/facility (ability close quickly and easily) and a feeling of "personal trust". The website reviews on Auto Locators of Texas impressed me and was one of the main reasons--especially as their transaction speed/facility was frequently highlighted as outstanding--that I contacted the company. I saw that they had a vehicle which could meet most of my requirements. I contacted the company and was put in touch with Mr. Sean George. He was very professional, knowledgeable, patient and responsive. We closed the deal a few days later. It was one of the best (quick, "painless", etc.) car buying experiences that I have ever had. Would highly recommend Mr. Sean George and Auto Locators of Texas and look forward to developing a lasting and long term relationship with the company. Looking forward to buying my next car from them. If you are looking for a great car which has been fully inspected, checked out and in compliance with what appears to be this company's stringent requirements for placement in their inventory, then this is the place to buy!

    9. buy here pay here Plano dealer review by George Dubick

      George Dubick rated Silver Star Motorcars

      We continue to be very, very happy with the maintenance on my wife's 2007 SL550 Mercedes with Silver Star Motorcars. This car handles and rides like a new car, solid and stable and a pleasure to drive. We thank them for their hard work, care and attention to all the many details that keep us safe on the highways!

    10. buy here pay here Plano dealer review by Riasat Rahman

      Riasat Rahman rated Silver Star Motorcars

      Undoubtedly my first choice for any n all kinds of automotive service, repairs...bodywork...etc!! I have had all my cars serviced over here at some point or another...cars like AMG Mercedes and Range Rover Sport, Mustang n more...I guess that says a lot!! They’re all GOLD stars in my book!!

    11. buy here pay here Plano dealer review by Alma Perez

      Alma Perez rated Enterprise Car Sales

      Finally bought the Mazda CX-5 I had always wanted. The Finance Manager was a bit stiff but overall fair with the deal. The home run was with Kendrick, the Sales Consultant, he made me feel very welcome with transparency and hospitality throughout the entire process. I would highly recommend this dealership and ask for Kendrick!!!

    12. buy here pay here Plano dealer review by Tonya Richards

      Tonya Richards rated Enterprise Car Sales

      The best car buying experience I've had by far! It started with a call from James Conley, Enterprise Car Salesman, Wednesday afternoon. He sent me an online application and followed up with me to get all the information needed to get me approved. The very next day, he and his finance manager delivered my new car. Great team! Thanks again James Conley!!!????

    13. buy here pay here Plano dealer review by Steve R

      Steve R rated Lone Star Cars

      My experience with Lone Star Cars was very positive. Blake was friendly and a straight shooter. He gave me a fair price for a high quailty car, I'm very satisfied.

    14. buy here pay here Plano dealer review by Nolt Lamela

      Nolt Lamela rated Lone Star Cars

      This used car dealership has great and friendly staff. Gary was exceptional and provided great service. Buying a vehicle from here was easy and if I ever needed to look for another vehicle I would definitely check here first. I would recommend to anyone to give them a call or pass by and check out what they have! You might something you like!

    15. buy here pay here Plano dealer review by Ner De Leon

      Ner De Leon rated Autos of Dallas

      Our experience with Cristian Valdez of Autos of Dallas is one of the best and smoothest process in history of car deal! They are on top of their game in providing details about the car. Cristian and his team were professional, have great work ethics, have good communication skills and very knowledgeable in their field. I highly recommend them. You guys are awesome! Thank you for making the process pain-free and memorable! God bless you all!

    16. buy here pay here Plano dealer review by Renee Albritton

      Renee Albritton rated Autos of Dallas

      I had a great experience! Anthony is one of the most friendly and accommodating salespeople I’ve dealt with. Financing was done prior to my arrival so I didn’t have to sit there all day. My entire process was probably 30 minutes. Jimmy in Finance is also great! We did nothing but laugh the entire time I was there. But most importantly, my BMW 428i is in excellent condition!

    17. buy here pay here Plano dealer review by Sean B

      Sean B rated Huffines Chrysler Jeep Dodge RAM Plano

      Very good service experience. The service advisor, Kelsey, was very nice and knowledgeable. The gave me a realistic time when I said I was waiting for the maintenance to be done. They have a very nice waiting room. The service seems to have been done well (computer maintenance reminders all reset). I've been using different dealers lately for service, and Huffines has been the standout best customer service.

    18. buy here pay here Plano dealer review by Doug Tucker

      Doug Tucker rated Huffines Chrysler Jeep Dodge RAM Plano

      Surya was awesome. Completely transparent and open from start to finish. Through his honesty and openness he got done in 2 days what other dealers could not get done in 2 weeks. I highly recommend!

    19. buy here pay here Plano dealer review by Daniel Askari

      Daniel Askari rated Reynolds Auto Group

      I have purchased three cars over the past twelve years. I have never ..... had a better experience than this. No “ typical car dealer “ up front price. No games, no lies. Pure honesty at a fair market price. Always reliable .... great staff. I couldn’t have asked for a better vehicle buying experience.

    20. buy here pay here Plano dealer review by Shanna Seay

      Shanna Seay rated Reynolds Auto Group

      Best dealer I have every worked with ! I will not go to anyone else anymore! Rocky is amazing to work with, no hassle no stress and he cares and will help you in any way! I will not recommend going anywhere other than here !

    21. buy here pay here Plano dealer review by Angel Judd

      Angel Judd rated Central Kia of Plano

      My Experience at Central Kia of Plano was enjoyable and easy. I actually live in Austin and I was looking for a Kia Soul that was a special two toned color. I had a Soul for the last 6 years and loved it so much, so of course I wanted another one. I called all of Austin and San Antonio, and they had absolutely none. I called and spoke with Justin to see if they had any at all, and they actually did! Justin was such a great help especially willing to set aside the car so I could come look at. Even before I got there he sent pictures and videos of the car I was looking at. Once we got there Justin was helpful and showed us everything that was new to the Kia Soul. He even stayed later than he should have, which was also super helpful. He is very straightforward and knows his cars (highly recommend him!). Then once when we had come to an agreement I had the pleasure of meeting Ed who is part of the Financing team. He really helped close the deal, and made sure that I was comfortable with the deal. This was my first time buying a car and it was a great experience. I’m so glad that I was able to find my dream car. Highly recommend the team at Central Kia of Plano. Even if you don’t live in the area, it is so worth the drive.

    22. buy here pay here Plano dealer review by Jimmy Dooley

      Jimmy Dooley rated Central Kia of Plano

      Best car buying experience I've ever had! Ask for Earnest Hughes he was our salesman and was great! Straight up and honest! And Jerry the Sales Manager was fantastic! This is how buying a car should be, a great experience! Do NOT buy a car until you visit these guys!

    23. buy here pay here Plano dealer review by Jordan Rainey

      Jordan Rainey rated Auto Merchants

      I stopped by here looking into getting a new car. The sales employee who help me was Jacob. He was very helpful and did not pressure me into buying a car. He helped me look at ones in my price range and was honest and showed me the car fax for each vehicle I was interested in. He also had a great attitude. We had such a great experience we might be back soon to trade in another car. I would definitely recommend this place to my friends and family.

    24. buy here pay here Plano dealer review by S Dubb

      S Dubb rated Auto Merchants

      Bought my second car from AutoMerchants and had an awesome hassle-free experience throughout the entire process. Thanks to Omar, I got a great deal on my new sporty sedan and I love it! Omar was extremely helpful and knowledgeable about their inventory and very considerate of my options. He was very patient and willing to work with me. Would definitely recommend anyone to check Auto Merchants out! ??

    25. buy here pay here Plano dealer review by Alpha Black

      Alpha Black rated 3400 Auto Sales & Service

      We were very impressed with how they treated us here. Tony was very professional, informative, and he made sure we were getting the best possible deal. I highly recommend buying your next vehicle here, you'll be glad you did.

    26. buy here pay here Plano dealer review by Christina Kim

      Christina Kim rated 3400 Auto Sales & Service

      I went to this shop last month and it took less than a week to get my car fixed. Tony was very professional and it came out like a new car. I was very impressed with the service. I will definitely go back! Thank you Tony!

    BHPH Plano TX dealer

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