Top 10 Buy Here Pay Here Dealers in Providence RI

Looking for a used car dealer in Providence RI but your credit is in bad shape?

Connect with top 10 buy here pay here Providence RI car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Providence'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 Providence RI

  • Independent Auto Sales, RI

  • Shannon Motors Providence RI, RI

  • Jimmy’s Auto Sales, RI

  • Stamas Auto & Truck Center, RI

  • Shannon Motors Johnston, RI

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

  • B&B Auto Sales, RI

  • Prestige Mitsubishi, RI

  • The Car Lot Inc, RI

  • Gemini Auto Sales, RI

  • Mel’s Motors, RI

  • Did you know? These BHPH Providence RI 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 Providence 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.

    Why buy here pay here Providence RI 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 Providence RI 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 Providence RI 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 Providence RI Works

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

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

    The buy here pay here Providence RI 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 Providence RI 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 Providence RI 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 Providence RI

    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 Providence RI

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

    While buy here pay here Providence RI 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 Providence RI 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.

    Providence RI buy here pay here Reviews

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

    1. buy here pay here Providence dealer review by Jodi Smith

      Jodi Smith rated Independent Auto Sales

      Peter and the crew here were phenomenal. We purchased a car for my daughter and Peter went above and beyond to answer all our questions and assisted us with all the paperwork. The car was ready for delivery in just a few short days and they even put a big bow on it to surprise my daughter! I would definitely recommend independent auto sales and I would most certainly purchase another car from them in the future

    2. buy here pay here Providence dealer review by Sisi Ma

      Sisi Ma rated Independent Auto Sales

      Awesome dealership. Peter was great, he actually treat his customers like human being. I bought a Nissan Altima hybrid from Peter for very low price, without me asking him, he took the initiative to change the water pumps and oil to make to delivering to me a nice vehicle. The car runs like a dream. I know to put "used car salesman" and "integrity" in one sentence seems like an oxymoron, but that was my exact experience with Peter. God bless him!

    3. buy here pay here Providence dealer review by K Bell

      K Bell rated Shannon Motors Providence RI

      Peter Rodriguez and Randall Bonilla at the Providence location were absolutely amazing....went in thinking I was going to end up in a slightly older (but fantastic) car and ended up with an even more amazing car!! Thank you so much for making this an easy, painless process!

    4. buy here pay here Providence dealer review by Robert Dominguez

      Robert Dominguez rated Shannon Motors Providence RI

      I stopped in to Shannon motors providence and met with the sales manager Kevin. I went to so many other dealerships and was just thrown out. Kevin got me into an amazing Honda Accord with the lowest down payment. Kevin also went further as if it was possible!! he also helped getting cheap insurance. Great service very helpful staff!! Ray was very helpful when I stopped in while Kevin was busy what a good set of employees Shannon motors employed.

    5. buy here pay here Providence dealer review by Linda Degnan

      Linda Degnan rated Jimmy’s Auto Sales

      I was so pleased with the courteous and kind and professional way with this dealship. I highly recommend this place to all my friends.

    6. buy here pay here Providence dealer review by jackie comeau

      jackie comeau rated Jimmy’s Auto Sales

      We just want to say how fantastic Jimmy was to work with! He went above and beyond our expectations. We drove 75 miles to get to Jimmys and it was well worth it! He made our sons first car a wonderful experience!! Honest and fair! We give you five stars plus!! Thanks again!

    7. buy here pay here Providence dealer review by Martha -Dee Schindelwig

      Martha -Dee Schindelwig rated Stamas Auto & Truck Center

      This place has great selection. My friend just got his car here. They were very helpful and accommodating, they had the perfect car that was clean and affordable. My friend really couldn’t be more pleased with his new car and the whole experience. They made the whole process easy and I would refer anyone in the market to try this place first.

    8. buy here pay here Providence dealer review by Janet King

      Janet King rated Stamas Auto & Truck Center

      Although I didn't find what I wanted they were very helpful and would definitely recommend them. Good follow up too.

    9. buy here pay here Providence dealer review by Deana Weidele

      Deana Weidele rated Shannon Motors Johnston

      Took a stop in to look at inventory and explore my options. Steve was awesome to work with. He was very patient and helped find the best fit for me. Happy to say that I was able to leave with a much needed better vehicle.

    10. buy here pay here Providence dealer review by Diann Wilson

      Diann Wilson rated Shannon Motors Johnston

      We stopped in just to look around. Within a hour Eddy had us approved and in a new car. No hassle and super friendly. Come in and see what they can do for you.

    11. buy here pay here Providence dealer review by Ray Snow

      Ray Snow rated B&B Auto Sales

      This is a great place to buy a car when you are starting out or on a budget I purchased a 2009 Subaru forester in October of 2019. Couldn't be more happy with this hidden gem. Every car comes with a car-fax report so you as a buyer could make a fair and even decision when it comes to purchase from them. Yes they will not be perfect, though the cars will get you from a-b. Ie. With the Forester, the back speakers are blown, and I had to buy new tires because all four did not match, and every one knows, that tires have to match on a all-wheel drive vehicle. With that in mind the car is getting back and forth to school in a safe and reliable car, so thank you B & B Auto Sales.

    12. buy here pay here Providence dealer review by charles hebert

      charles hebert rated B&B Auto Sales

      Easily 5 Stars.. 6 if I could. I drove a half hour to get there, and met Paul who had just Closed up, but it was the only chance I had to look, and he was very accomodating. We never felt rushed. We looked at several cars, and test drove my original reason for going there.. a 2004 Buick Lesabre. Beautiful car.. There's a CARFAX with every vehicle.. a 90 Day third party Warranty, and prices are Firm. And worth it.. "Bertha" is outside as I write this. I gave my barber one of their cards a week later, and just today (11/18) I emailed a family member about another Lesabre on the lot... I plan on having Bertha for a long time.. If i buy another car, I dont know What I will buy... but I Do know WHERE. Thank you, Paul, Craig, Bev, and Ray. Charlie Hebert 11/18/17

    13. buy here pay here Providence dealer review by Pam Jones

      Pam Jones rated Prestige Mitsubishi

      Bought new truck from Caroline. She was very easy to deal with. I recommend going to see her. I'm very pleased with my whole experience start to finish!

    14. buy here pay here Providence dealer review by Garrett Paquete

      Garrett Paquete rated Prestige Mitsubishi

      Walter Negron was very easy to deal with and helpful on the functions of the truck I bought. He explained the process and made all aspects of the deal smooth. I would recommend anyone to work with walter at Prestige Mitsubishi in east providence

    15. buy here pay here Providence dealer review by Lanee Sutherland

      Lanee Sutherland rated The Car Lot Inc

      Family oriented place. Brought my son his 1st car here. Great service, knowledgeable and very easy to set everything up; they do evrything for you. Will definitely recommend to others.

    16. buy here pay here Providence dealer review by Kristian Interiano

      Kristian Interiano rated The Car Lot Inc

      Rob was very helpful and responsive on any questions I had. He was upfront about everything and he definitely made my car buying process easy.

    17. buy here pay here Providence dealer review by Vereshiloh Hill

      Vereshiloh Hill rated Gemini Auto Sales

      These guys are awesome!!!!! No tricks, no gimmicks, totally honest, great cars, that's all needed.

    18. buy here pay here Providence dealer review by Cherie Shannon

      Cherie Shannon rated Gemini Auto Sales

      Today was my first time going there, and I was very impressed with the service. Super friendly and informative. I'll definitely be giving them my business again.

    19. buy here pay here Providence dealer review by Kadijah Johnson

      Kadijah Johnson rated Mel’s Motors

      Carlos and William are very efficient, thier team worked fast! I dropped my car off and picked it up the same day. They did an amazing job! Check out Mels Motors the next time you need your car fixed or even if you need a new car, they are very affordable.

    20. buy here pay here Providence dealer review by Joe Catania

      Joe Catania rated Mel’s Motors

      Very good they help you if you have car problems also i bought 2 vehicles

    BHPH Providence RI dealer

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