Top 11 Buy Here Pay Here Dealers in Rhode Island RI

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

Connect with top 11 buy here pay here Rhode Island RI car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Rhode Island'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 Rhode Island RI

  • Byrider Cranston, RI

  • Barry Automotive Group, RI

  • Shannon Motors Woonsocket, RI

  • Roger Williams Auto Sales, RI

  • Merrill Motors, RI

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

  • Donald’s Car Corner, RI

  • Main Street Motors, RI

  • East Providence Auto Sales, RI

  • Stevie D”s Auto Sales, RI

  • Capital Auto Sales, RI

  • Did you know? These BHPH Rhode Island 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 Rhode Island 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.

  • Narragansett Auto Sales, RI

  • Why buy here pay here Rhode Island 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 Rhode Island 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 Rhode Island 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 Rhode Island RI Works

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

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

    The buy here pay here Rhode Island 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 Rhode Island 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 Rhode Island 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 Rhode Island 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 Rhode Island 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 Rhode Island RI, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Rhode Island 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 Rhode Island 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.

    Rhode Island RI buy here pay here Reviews

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

    1. buy here pay here Rhode Island dealer review by Justin Pacheco

      Justin Pacheco rated Byrider Cranston

      Got the car I needed with no money, even though my credit is terrible... they explained everything in detail.... Will recommend JD Byrider to my friends and family... If you need a car go see John at byrider. He is the man.. great guy

    2. buy here pay here Rhode Island dealer review by Kristopher Almeida

      Kristopher Almeida rated Byrider Cranston

      My wife and I met with Tony for our new car. He was so helpful and personable. I would highly recommend JD Byrider to anyone looking for a vehicle. Thanks for all your help.

    3. buy here pay here Rhode Island dealer review by Ryan McGeough

      Ryan McGeough rated Barry Automotive Group

      Both Nick and Jose were awesome to deal with in buying a used vehicle. I got an incredibly low price and am very satisfied. Both Nick and Jose were excellent in making the process as smooth, quick, and (most importantly) inexpensive as possible. Would definitely go back.

    4. buy here pay here Rhode Island dealer review by John Sorenson

      John Sorenson rated Barry Automotive Group

      My son and I drove down to Barry's auto check out a 2014 dodge charger. The place was clean and professional. Lou Campos was a great help along with the rest of the staff. Would recommend them to anyone who is looking for a great deal with a quality staff.

    5. buy here pay here Rhode Island dealer review by Cassandra Bosworth

      Cassandra Bosworth rated Shannon Motors Woonsocket

      I called Shannon Motors and spoke to Shannon. She was very pleasant and respectful during my interaction with her. I was able to deal with Steve whom was very respectful and so helpful at the same time. Steve had me in an affordable car within minutes of the phone call I made to him. He was very respectful and eager to help! If anyone should go anywhere it should be to Steve and Shannon at Shannon Motors because they were absolutely fantastic! The 5 star rating they received is and was truly earned because without them I wouldn't be driving a car that I am able to drive today. Thank you so much. ??

    6. buy here pay here Rhode Island dealer review by alicia gonzalez

      alicia gonzalez rated Shannon Motors Woonsocket

      Great experience with Mike. Everybody there is very friendly and it was a quick process. I recommend people to come here. Satisfied customer!!

    7. buy here pay here Rhode Island dealer review by Kim Toppa

      Kim Toppa rated Roger Williams Auto Sales

      After a several days of searching for a used car for our daughter I found Roger Williams Auto sales. What a pleasure! After being shown out right broken down cars and being pressured to buy anything and everything for days, we met Randy who was the complete opposite. He is the first no pressure car salesman I have ever encountered. We looked a Ford Focus which was the perfect size for our 16 year old new driver. She loved it and Randy could not have been more accommodating. He told us upfront what needed to be worked on, showed us the car fax, which showed 1 owner and all the maintenance. We paid a fair price and they took care of handling sales tax and registering it . The car was serviced and inspected before we picked it up. We had an issue with the car a couple of weeks later and Randy and his partner drove to out house almost an hour away and took the car back to be serviced and even returned it to us when it was fixed. It can be nerve wracking buying a used car but these two made it easy. Would highly recommend!

    8. buy here pay here Rhode Island dealer review by Danielle Yoder

      Danielle Yoder rated Roger Williams Auto Sales

      This was the best truck buying experience ive ever had. They treated me well, were honest and patient with me. I looked around and left to go back later. They didn't make me feel like chewing my arm off to get away. Our 2003 Ford Ranger with incredibly low mileage, is still running with no out of the ordinary maintenance problems. Id highly recommend this dealership.

    9. buy here pay here Rhode Island dealer review by tlccar1 .

      tlccar1 . rated Merrill Motors

      Being in the auto business for many years, I can tell a dealership right away as soon as I enter the place. Merrill Motors is fantastic. Not pushy at all, honest, trustworthy and fast! They knew I had to get back to work so everything was done in about an hour. The dealership is more like a house, relaxing and comfortable. I am very happy with my purchase (2010 Subaru Outback) and highly recommend Merrill Motors to anyone looking for a good clean used car at a fair price. Kudos to Jim and Nathan for a job well done!! 5 stars all the way! Thanks guys!

    10. buy here pay here Rhode Island dealer review by Darrell Anger

      Darrell Anger rated Merrill Motors

      First time buying a car from Merrill motors and so far my experience has been amazing compared to my last dealership I got a car from! I will recommend them to anyone. Fair price and fast action! Thanks again!

    11. buy here pay here Rhode Island dealer review by JAHNAE RODRIGUEZ

      JAHNAE RODRIGUEZ rated Donald’s Car Corner

      Quickest and easiest car buying experience I’ve ever had/witnessed. Was pre-approved for financing with a quote for the down payment before even viewing/test driving the vehicle. Received final approval, signed all of the docs and was on the road all in under an hour. Service was fantastic and genuine. Vehicles are all reasonably priced. Highly recommend!

    12. buy here pay here Rhode Island dealer review by Joe Gallucci

      Joe Gallucci rated Donald’s Car Corner

      Best ever went out of there way to make me happy. Took care of problems with a smile. Delivered my plates to me at home. They fixed key problem i did not expect them to.Craig was great to deal with. WILL LOOK HERE FIRST FOR MY NEXT VEHICLE

    13. buy here pay here Rhode Island dealer review by Bryan

      Bryan rated Main Street Motors

      I had a non hassle enjoyable car buying experience at Main Street Motors. I ended up purchasing a 2004 Toyota Corolla. Before buying the vehicle, I asked if they could put it up on the lift which they were more than happy to oblige. To me, this showed that they had nothing to hide. Owner Brian and his two sons Brian and Shane are friendly and honest car salesman. You get what you pay for and that is a “used car”. I’m glad I made the choice and drove to Main Street Motors.

    14. buy here pay here Rhode Island dealer review by Ben Chambers

      Ben Chambers rated Main Street Motors

      I bought a nice inexpensive family sedan from these guys. Great place to do business. They have a good selection of sedans and trucks that are under $5,000.00.

    15. buy here pay here Rhode Island dealer review by Douglas Gould

      Douglas Gould rated East Providence Auto Sales

      Had a great experience with Jay. I got a great car at a good value. You need to understand these vehicles are high end cars most of them with high mileage. Some may not be in show room condition but that's why they are selling them at the cost that they are. Jay was awesome to deal with. They gave me a fair trade in value for my car. I'd do business with them again.

    16. buy here pay here Rhode Island dealer review by Jacques Mathieu

      Jacques Mathieu rated East Providence Auto Sales

      I have bought many cars from this place throughout the years and I would highly recommend it.

    17. buy here pay here Rhode Island dealer review by Julie Allen

      Julie Allen rated Stevie D”s Auto Sales

      I bought a car for my son at Stevie D's. Jim our salesman was great. He went above and beyond what I expected from a car salesman. He help me out with issues I was having at the registry. I really was surprised and grateful for all he did for us. Thank you Jim!!

    18. buy here pay here Rhode Island dealer review by john

      john rated Stevie D”s Auto Sales

      Great dealer quality cars and service............can't go wrong...

    19. buy here pay here Rhode Island dealer review by Amanda Torres

      Amanda Torres rated Capital Auto Sales

      Bought 3 cars from here, 1st one bought in 2012, STILL running! Bought 2 more vehicles from here and they have NO problems at all. Take care of your cars and they'll do the same for you! Dana has always been a gem. ? LOVE MY ENCLAVE!

    20. buy here pay here Rhode Island dealer review by Debra Jean

      Debra Jean rated Narragansett Auto Sales

      Shopping for a used RV and came across a listing at Narragansett Auto Sales for a 2003 31' Class C with only 25k miles and loaded with ALL of the extra options. The 69 (yes 69) photos showed this RV to be in excellent condition inside and outside; not a common find in the used RV market! I called dealer representative Allen with inquiry into the accuracy of the photos and description of condition. I was assured the information was accurate and decided to take a drive from my home in NH to RI to find out for myself. I am thrilled to report Allen was correct. The camper is in excellent condition, inside and out, right down to 4 brand new tires, super clean engine, low mileage, clean CarFax report, and a new inspection sticker. Put a down payment on it immediately and brought my husband back a few days later to pick up our new/used RV. We told Allen we wanted to move the sale quickly and get on our way. Allen complied and within 2 hours the hassle free sale was complete. We drove our RV 200 miles to it's new home in Maine finding the drive to be pleasant and completely problem free. The RV is parked and EVERYTHING (and this baby is loaded with options) checks out working 100% perfectly. I rarely provide online reviews for anything other than dining experiences BUT I am so very pleased I paid NO attention to the questionable reviews listed here, took Allen at his word, and made the long drive to see this RV! I feel felt it was only fair to add our extremely positive review of our purchase and experience. Note to the wise: do not expect something for nothing, understand *used* means just that, and give this place a try! THANK YOU ALLEN and THANK YOU NARRAGANSETT AUTO SALES!

    21. buy here pay here Rhode Island dealer review by John Mcmillan

      John Mcmillan rated Narragansett Auto Sales

      Ridiculously awesome business to deal with. Thanks guys:)

    BHPH Rhode Island RI dealer

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