Top 17 Buy Here Pay Here Dealers in Richmond CA

Looking for a used car dealer in Richmond CA but your credit is in bad shape?

Connect with top 17 buy here pay here Richmond CA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Richmond'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 Richmond CA

  • DriveTime Used Cars, VA

  • DriveTime Used Cars, VA


  • M&M Automotive 3 LLC MandM automotive 3 LLC, VA

  • VA Cars Inc, VA

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


  • Plaza Motors, VA

  • Basic Auto Sales, VA

  • MandM Automotive LLC, VA

  • Maya Auto Sales inc., VA

  • Did you know? These BHPH Richmond CA 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 Richmond 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.

  • A & R Motors LLC, VA

  • East End Auto Sales, VA

  • U R Approved Motors, VA

  • Car Zone, Inc., VA

  • CarNation, VA

  • The phrase buy here pay here Richmond CA car lots might have been coined recently to draw in buyers who don't have a lot of extra money to spend on their cars. Richmond Buy here pay here car lots are those that do not require you to leave your home before you can buy your new car. These lots accept your payment in advance and usually give you a lot of time to shop around for the best deal. The reason these lots are so attractive is because you do not have to worry about financing your vehicle while at the same time still giving the dealer an opportunity to earn their fee. In order to make sure you are getting the right car, you want to be sure you are getting the best price possible.

  • DriveMax, VA

  • Unique Auto Sales, VA

  • Why buy here pay here Richmond CA 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 Richmond CA 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 Richmond CA 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 Richmond CA Works

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

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

    The buy here pay here Richmond CA 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 Richmond CA 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 Richmond CA 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 Richmond CA

    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 Richmond CA

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

    While buy here pay here Richmond CA 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 Richmond CA 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.

    Richmond CA buy here pay here Reviews

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

    1. buy here pay here Richmond dealer review by Margie Lindsey

      Margie Lindsey rated DriveTime Used Cars

      Nick was great from start to finish! He kept in touch with me and made sure I was taken care of without any delays. He called me before my appointment to let me know that they were very busy so my time was not wasted. He stayed late to fit my schedule. Love my new car ?? Best car buying experience ever! Go see Nick if you want a great car and awesome customer service!

    2. buy here pay here Richmond dealer review by Kristen Overby

      Kristen Overby rated DriveTime Used Cars

      I've been with Drive time for 5 years , this is my 3rd car with them , and everytime Iv gotten a upgrade , I was in there and out ... they make life so easy , I wrk 57hrs a week I still manage to come up here and jus sign paper and drove off with my new car !!! Love you Drive time ...

    3. buy here pay here Richmond dealer review by June Bugg

      June Bugg rated DriveTime Used Cars

      They have free popcorn.

    4. buy here pay here Richmond dealer review by Amanda Shelton

      Amanda Shelton rated DriveTime Used Cars

      Worked with Colt Miller at the Mechanicsville location and I couldn’t have asked for a better salesman. He was patient, understanding and took his time to make sure I was comfortable with each step of the process. Colt was extremely kind and pleasant to work with and I would definitely return again to purchase my next vehicle with him.

    5. buy here pay here Richmond dealer review by Ronnie Lambert

      Ronnie Lambert rated CARRVA

      Carrva really has honest vehicles at fair prices. We recently purchased a 2011 Explorer. Came to an agreement on price, service was great, they communicated well with our credit union. As always research any used vehicle, don't be afraid to ask questions. These guys are really here to help. Thanks for the great ride, very happy!

    6. buy here pay here Richmond dealer review by Jessica Hansom

      Jessica Hansom rated CARRVA

      First I would like to thank Chris for everything through my car buying experience. He is the most humble a honest person I ever done business with. This is my second purchase at CarRva and so far I been a satisfied customer. Chris is always there to help with any questions and concerns. I highly recommend CarRva as I said before this is my second purchase. I love both cars and they never gave my any issues.

    7. buy here pay here Richmond dealer review by Michelle Green

      Michelle Green rated M&M Automotive 3 LLC MandM automotive 3 LLC

      We purchased a car from here over 6 months ago. The car has been great! It runs well no problems at all. The customer service is awesome. The owner is very professional, kind, available and courteous. I plan to stay with this dealership for future purchases.

    8. buy here pay here Richmond dealer review by Philip Freeman

      Philip Freeman rated M&M Automotive 3 LLC MandM automotive 3 LLC

      Met with Adam and he made the transaction smooth and easy as possible. Wish I could give 10 stars because he went beyond the call of duty to make sure I drove off the lot in the vehicle in the vehicle I wanted. No hassle or pressure...looking forward to doing more business in the future. Thanks

    9. buy here pay here Richmond dealer review by Reese Bryant

      Reese Bryant rated VA Cars Inc

      Great Cars, Even better staff! Come in and see us Today! Trade out and Trade up! Poor Credit, No Credit, Great Credit!

    10. buy here pay here Richmond dealer review by Barbie Alaya

      Barbie Alaya rated VA Cars Inc

      I went in the dealership on Saturday morning looking for a car for my son. I spoke with Kenneth before I went in. When I tell you that he helped me through the whole process from beginning to the end!!! He was amazing!!!! If I ever buy a car again, I definitely will only go to Va Cars and only work with Kenneth! Thank you for being so amazing and helping me find the perfect car for my son!!!

    11. buy here pay here Richmond dealer review by Chris Tilley

      Chris Tilley rated DISTRICT AUTOS

      I'm down in Atlanta and was looking for the perfect first car for our son. He was adamant about a manual, and we required other factors. Came across what looked like a great option all the way out in Virginia. Curious, I inquired about the vehicle and after some back an forth, we ended up purchasing the car sight unseen, and had it delivered down to Ga, again with Alex's assistance. A scary thought yes, but Alex seemed genuine, honest and was easy to work with. He not only kept his word, but worked closely with our needs and ensured everything went smoothly. The car is great and everything we hoped for. Thanks again for all your help and professionalism.

    12. buy here pay here Richmond dealer review by Abu Yillah Jr.

      Abu Yillah Jr. rated DISTRICT AUTOS

      The staff there is very helpful and accommodating, the guys there will definitely take good care of you and work with you.

    13. buy here pay here Richmond dealer review by Elizabeth Ceja

      Elizabeth Ceja rated Plaza Motors

      Awesome service, people are friendly and answered every single question I had.

    14. buy here pay here Richmond dealer review by latisha pulliam

      latisha pulliam rated Plaza Motors

      I’ve bought 2 cars from these amazing people and I absolutely love them

    15. buy here pay here Richmond dealer review by Sheona Tibbs Morton

      Sheona Tibbs Morton rated Basic Auto Sales

      Great team! Great service! Thank you to everyone at Basic Auto!

    16. buy here pay here Richmond dealer review by Ralph Fortson

      Ralph Fortson rated Basic Auto Sales

      They are great to work with! The atmosphere is one of "can do"! They worked very hard in helping me achieve my goal of purchasing my vehicle! Thank you so guys! God Bless you!!

    17. buy here pay here Richmond dealer review by Trystin Umphrey

      Trystin Umphrey rated MandM Automotive LLC

      Arrived to lot unexpected and was still treated with extreme kindness. Answered any questions we had with clarity. It's a very organized lot, I'd recommend to go take a look!

    18. buy here pay here Richmond dealer review by Junius Moomau

      Junius Moomau rated MandM Automotive LLC

      Yo they the best get ya in what ya want

    19. buy here pay here Richmond dealer review by Abdul Alhussaini

      Abdul Alhussaini rated Maya Auto Sales inc.

      Nice Range Rovers For Sale

    20. buy here pay here Richmond dealer review by D DeFreitas

      D DeFreitas rated Maya Auto Sales inc.

      Thank you, Alex, for the wonderful customer service. I definitely will let many people know about my positive experience with Maya Auto Sales Inc., Just knowing that I wasn't sold a lemon or piece of junk, is reassuring. Love my car. Once again, thank you guys. Donna

    21. buy here pay here Richmond dealer review by Travis Booker

      Travis Booker rated A & R Motors LLC

      Man I can’t thank the staff enough!!! Ram is one of the best to do business with. The whole process was awesome. He’s in my top 2 category. I highly recommend anyone if you want a great deal and nice ride A&R is the place to apply. 5 starts all day!!!!

    22. buy here pay here Richmond dealer review by Niaka Royal

      Niaka Royal rated A & R Motors LLC

      I love my truck!! After being turned down because of financial issues from other dealers,I was still able to be approved with A&R ... I now have the truck I wanted for years, ( crossed off bucket list) lol , they even got my payments to something that I could afford!! Easy process, friendly staff and great service! These guys have went above to make sure I got what I needed.. Thanks again guys!!

    23. buy here pay here Richmond dealer review by Justin Friedrichs

      Justin Friedrichs rated East End Auto Sales

      From calling Rick on an online add to follow up with issues out of their control with Freddy, the staff at East End Auto Sales handled me with the care of a family owned business that you wish all businesses would aspire to. I had issues after purchase and they handled them honorably and never doubted what I was claiming. From the below market processing fee to honoring the warranty without reservations, I never felt like I was being nickle and dimed like other dealers. It is nice to be treated as you treat others. And extremely rare in the Auto industry. Great job, East End Auto Sales!

    24. buy here pay here Richmond dealer review by TD Graham

      TD Graham rated East End Auto Sales

      A refreshingly good buying experience. Warren was extremely helpful and had everything ready to go when I arrived from out of state. Even gave me a ride back after returning my rental car. The truck was as advertised, and very clean. Would definitely recommend!

    25. buy here pay here Richmond dealer review by Joseph Woodside

      Joseph Woodside rated U R Approved Motors

      Very friendly, it's a used car dealership so you have to be smart when buying but can definitely get a nice deal here.

    26. buy here pay here Richmond dealer review by JoAnn Williams

      JoAnn Williams rated U R Approved Motors

      Awesome and caring Dealer.. They are fantastic..would go back in a second.

    27. buy here pay here Richmond dealer review by Racheeme Fennar

      Racheeme Fennar rated Car Zone, Inc.

      I highly recommend he made sure i was satisfied with my car very polite and great environment

    28. buy here pay here Richmond dealer review by Tatyana T

      Tatyana T rated Car Zone, Inc.

      George was great from the moment I pulled up on the lot to even after I purchased a car with them! He helped me in every way possible from looking out for my best interest in addition to, getting me exactly what I wanted and needed. For example I expressed the concern for buying a car then later having major repairs needed shortly after. However he ensured his cars were completely reliable and was able to even get me an extended years warranty! Best customer service I’ve received in a while!! Highly recommended!

    29. buy here pay here Richmond dealer review by Breana Johnson

      Breana Johnson rated CarNation

      Yaz is the best and I love my Honda pilot... car run band new .... matter fact that man need a paid vacation for running the whole show ?? If u need a good car come see Yaz he gone get u straight he definitely know what he talking bout ???

    30. buy here pay here Richmond dealer review by Crxy Elizabeth

      Crxy Elizabeth rated CarNation

      Bought a super nice car here. They really are amazing people trying to make an honest living. The car buying process was fun for me, And in a few years if I do decide to buy a new vehicle… I will probably check their inventory first.

    31. buy here pay here Richmond dealer review by Latanya Patillo

      Latanya Patillo rated DriveMax

      I have purchased 3 cars from them and will be getting my 4th soon. I would Recommend them to anybody. They not only made sure I got the best car, they treated me with the upmost respect. They treat you like part of the family. When ever something went wrong with my cars which was rarely they got right on it and fixed it so I wouldn't loose time from work....... I love love Savannah Motor's (Drive Max) and will continue getting my cars from them.

    32. buy here pay here Richmond dealer review by Thomas Huth-Scruggs

      Thomas Huth-Scruggs rated DriveMax

      Had an awesome experience! Absolutely love my car and the staff are great! Would highly recommend.

    33. buy here pay here Richmond dealer review by Lamour Giddings

      Lamour Giddings rated Unique Auto Sales

      After an extensive search for a vehicle I found the perfect Vehicle. Thanks to Kirk and his staff at Unique Auto. They made it so easy for me I actually bought my Mercedes on my lunch break. "They don't give a damn about your credit" literally. I would highly recommend paying them a visit. No complaints here..

    34. buy here pay here Richmond dealer review by Sheryl Gholston

      Sheryl Gholston rated Unique Auto Sales

      My husband and I just got a 2011 Nissan rouge and we love it. KIRK is the most honest salesman/owner we have ever dealt with. Need a car thats reliable at a reasonable price go see Kirk at Unique auto.

    BHPH Richmond CA dealer

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