Top 13 Buy Here Pay Here Dealers in Richardson TX

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

Connect with top 13 buy here pay here Richardson TX car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Richardson'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 Richardson TX

  • DriveTime Used Cars, TX

  • Buy and Drive Autos, TX

  • Legacy Autos, TX

  • Performance Auto Group, TX

  • Courtesy Nissan, TX

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

  • Central Autohaus, TX

  • Toyota of Richardson, TX

  • Dallas Preowned Auto Group, TX

  • Auto Class Direct, TX

  • Clay Cooley Volkswagen of Richardson, TX

  • Did you know? These BHPH Richardson 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 Richardson 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.

  • Jini Motors, TX

  • odessy auto sales, TX

  • Courtesy “Take Out”, TX

  • Why buy here pay here Richardson 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 Richardson 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 Richardson 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 Richardson TX Works

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

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

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

    While buy here pay here Richardson 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 Richardson 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.

    Richardson TX buy here pay here Reviews

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

    1. buy here pay here Richardson dealer review by Wendy Abel

      Wendy Abel rated DriveTime Used Cars

      I was in a transportation pickle after totaling my perfectly good car on Wednesday. I just decided to try out Drive Time, and it worked perfectly fine for me. Was able to pay even less monthly than I had bee paying for an even better car than the one that I had been driving. The sales staff did not pressure me and made me feel good. In my head I said that if I could be at this number I was ready to walk away from the deal. Instead I drove out with a great car. Yolanda was great to work with, again with no pressure, and finding the car that worked for me.

    2. buy here pay here Richardson dealer review by Stevie Butler

      Stevie Butler rated DriveTime Used Cars

      Cori offered excellent and professional customer service. The company makes it easy to get a new car. They have a great selection of vehicles. Plus, they offer warranties that make sense.

    3. buy here pay here Richardson dealer review by Ruffles Ribbons N' Bows

      Ruffles Ribbons N' Bows rated Buy and Drive Autos

      This review is also our testimony! After getting turned down by several car dealerships, my husband and I were losing hope. We are newly married and have poor credit scores and didn't have a lot of money to put down on a car. But then I Googled and ran across Brad at Buy and Drive Autos. After reading all of the reviews, I prayed that this would finally be the dealership that would work with us. We we're really on a wing and a prayer. All we have is praises for Brad!! He not only had our dream car for a low price and low down-payment, but ended up helping us get to the lender. The whole process was so smooth even though we didn't quite have all our ducks in a row, he helped us get everything together that we needed and we ended up getting our Dodge Journey at an incredible price and a monthly payment that we can afford. My family ans I are literally blown away by how God worked everything out and Brad was just fantastic. I encourage you, that if you have bad credit or a small down payment, go to Buy and Drive Autos. There were other places that were recommended to us that refused to work with us. And honestly, we are a newly married couple with not a of capitol. Brad worked with our budget, was honest about our vehicle and what we could afford, and we got a beautiful SUV for our growing blended family. Before going anywhere else, go here. Seriously. They ROCK.

    4. buy here pay here Richardson dealer review by Mary Nichols

      Mary Nichols rated Buy and Drive Autos

      Brad was so helpful! We thought that we could never buy a car due to our bad credit and pretty much lost all hope. We were honest about our situation and Brad was able to get us in a car the same day! Great selection of vehicles. I highly recommend this dealership to everyone!

    5. buy here pay here Richardson dealer review by logic money

      logic money rated Legacy Autos

      They did a wonderful job with finding me a Great car and such a short time and they have a wide variety of cars. The staff is really friendly and help in any way they can. Thank you so much Mary! I definitely recommend coming here and get you a good price car.

    6. buy here pay here Richardson dealer review by Mohammad Mousa

      Mohammad Mousa rated Legacy Autos

      Last night I bought my 2017 Merced’s Benz E 300 from Legacy Autos. It was overall good experience, I got a very nice car with the lowest possible monthly payments. The car is too clean and too neat..... I believe they got me a good deal. Second experience with these people, highly recommended.

    7. buy here pay here Richardson dealer review by LaToya Hearn

      LaToya Hearn rated Performance Auto Group

      This experience was the fastest I ever had getting into a vehicle! The online process was easy and the deal was worked out before our face to face. Ryan was very informative and knowledgeable about the inventory. He was particularly patient with questioning to help me understand my purchase. My favorite part of my experience is that it didn't end when I drove off. He has done a couple courtesy texts and phone calls to be sure I'm still enjoying my new used vehicle.

    8. buy here pay here Richardson dealer review by Nappy ByNature

      Nappy ByNature rated Performance Auto Group

      Great service! Great deals! Great people!

    9. buy here pay here Richardson dealer review by Mrs.GG Johnson

      Mrs.GG Johnson rated Courtesy Nissan

      Cassandra was my tech that greeted me with a mask on but you could feel and hear the smile in her voice. She was extremely professional , very transparent which drew me to appreciate her the more on a professional level. she kept me updated with the process and stage of my vehicle, there wasn't a moment that i had to wonder/guess when they would be finish or what where their findings pertaining to my vehicle Cassandra was very informative. The Tech/Mechanic she assigned my vehicle was transparent with her and i appreciate him as well. I will request the same two to assist me on the next visit. Thank you Cassandra for a Job Well DONE

    10. buy here pay here Richardson dealer review by bryce beck

      bryce beck rated Courtesy Nissan

      Fantastic experience! Alan Black and his team were phenomenal at working out a deal for me. No back and forth drama, just good people trying their very best to earn my business. I have purchased from many dealerships, but I will only buy from Courtesy Nissan going forward! I will also be sending all my clients here and friends and family! Very impressed

    11. buy here pay here Richardson dealer review by John Serrao

      John Serrao rated Central Autohaus

      The most enjoyable car purchase of my life, by a long shot. We exchanged emails, negotiated price, settled on a test drive and terms within 4 days of emailing back and forth - all of this during the pandemic no less. I spent about an hour of time total getting this deal done. Try that at a regular dealership. Excellent service from John, Marcus and Sam - thanks so much.

    12. buy here pay here Richardson dealer review by Heather Bowers

      Heather Bowers rated Central Autohaus

      The entire staff here were extremely hospitable. There was no hassle to make a purchase. I was let loose to browse, inspect and test drive any car that I wanted. This made for a stress free car buying experience! Sam and Shawn answered any and all questions. They went over every detail to make sure I made the best choice and in no way pressured me to make the sale.

    13. buy here pay here Richardson dealer review by D’Juana Ziegler

      D’Juana Ziegler rated Toyota of Richardson

      I was working with a lending company, On The Road Lending, and they helped financed my car. I knew exactly what I wanted, a White Toyota Corolla or Camry. They mentioned having a good relationship with Toyota of Richardson, so I went with them. The process was so easy and less time consuming! It took only 2 hours! Omar Rodriguez and manager Jeff Grettner did a WONDERFUL job taking care of me! They were friendly, professional, & knowledgeable about their products. They followed up with me after and made sure that I was satisfied with my purchase. I was satisfied with my purchase and the service given.

    14. buy here pay here Richardson dealer review by Daniel Briseno

      Daniel Briseno rated Toyota of Richardson

      They called me, I made an appointment. I dropped off the car in the morning and picked it up in the afternoon. Everything was efficient and hassle free. I also asked them to give me an estimate on bodyshop repairs, which they did as well. I would recommend that they commission a client experience mapping. It would be invaluable information on what the client sees, and might incrementally improve an already great business.

    15. buy here pay here Richardson dealer review by Yahya Samarah

      Yahya Samarah rated Dallas Preowned Auto Group

      Excellent car dealership, very friendly owner and helpful staff. A variety of luxurious and economical cars available at different prices. Staff and owner are keen to help you with paperwork. Cars are very clean and in perfect condition. They strive to sell customers the best performing cars. I will definitely come back and get my son a car, highly encourage you guys to give them a visit and checkout their lot.

    16. buy here pay here Richardson dealer review by Necoma Sansom

      Necoma Sansom rated Dallas Preowned Auto Group

      Very knowledgeable and honest dealer. I got an awesome deal on my vehicle and definitely will be purchasing my next one here. This is actually our 2nd vehicle from these guys. Dallas Preowned Auto hand select their vehicles and you can definitely see it in their rides. They have a beautiful selection of high end luxury cars @ fair prices. They even allow you to take the car to your desired mechanic for a pre purchase inspection. Most of all, they're good honest people. Jessey, Ray, and Andy thanks again for an awesome car buying experience.

    17. buy here pay here Richardson dealer review by Rhonda Lee

      Rhonda Lee rated Auto Class Direct

      I have been a customer of Auto Class Direct for 10+ years and they have always sold me quality cars. Their sales people are always friendly and make you feel like family. In fact it is a family owned business. Jay and Cowboy have been awesome! to work with. I love them!

    18. buy here pay here Richardson dealer review by Rodney Tilley

      Rodney Tilley rated Auto Class Direct

      If you want hassle free, wonderful customer service and a great inventory, this is the place to go. Bought my wife her dream car, had less than stellar credit, these guys jumped through hoops to get it done. Highly,highly recommend these guys, will be going back to get myself one after we pay hers off! Thanks to Tucker, Mike and the rest of the guys for making it happen!

    19. buy here pay here Richardson dealer review by Ariana Medrano

      Ariana Medrano rated Clay Cooley Volkswagen of Richardson

      I had the honor to be helped by Clarissa Navarro. She was amazing! I was struggling to decide what was the best deal for the car I wanted. She was very patient with me and explained everything I needed to know. The dealership was very welcoming and friendly. I recommend going here if you’re in need of a car!

    20. buy here pay here Richardson dealer review by Rob Nar

      Rob Nar rated Clay Cooley Volkswagen of Richardson

      Darius is a great salesman. Super friendly and not pushy, answered all the questions we had about the vehicle. Definitely great service.

    21. buy here pay here Richardson dealer review by Angela Green

      Angela Green rated Jini Motors

      Cool people. Up front and work with where you are in your situation to help you get your car.

    22. buy here pay here Richardson dealer review by Brandon Lillie

      Brandon Lillie rated Jini Motors

      The team at Jini Motors was the best! Made life simple, easy, and truly no hassle. I would recommend working with their team anytime. The entire staff was excellent at making sure all my questions were answered. If you are looking for a car dealer with great service this is the place to go. I can't say I have ever had a more enjoyable experience buying a car.

    23. buy here pay here Richardson dealer review by HIL WILSON

      HIL WILSON rated odessy auto sales

      I've don't normally write reviews, but after interacting with Jake I had to. He is reliable, honest, flexible, people person and all you want in a sale person. It has been 2 months since Jake gave me an amazing deal on a Land Rover for my wife and she loves that car. It runs flawlessly. I'll always call him when buying a car. Thanks for being one of the good ones (dealer)

    24. buy here pay here Richardson dealer review by Trace Sanders

      Trace Sanders rated odessy auto sales

      Jake was absolutely great! Could not be happier with our experience! He helped me and my girlfriend get her car, talked to the bank for us and took care of everything. Great price, great car and great customer service. I definitely recommend this place. 5 stars for sure!

    BHPH Richardson TX dealer

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