Top 20 Buy Here Pay Here Dealers in Rochester MN

Looking for a used car dealer in Rochester MN but your credit is in bad shape?

Connect with top 20 buy here pay here Rochester MN car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Rochester'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 Rochester MN

  • John Lombardo Enterprise Inc., NY

  • Superior Auto Care, NY

  • eCarsUSA.com, NY

  • Scottsville Auto Sales, NY

  • Upstate Auto Credit Rochester, NY

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

  • On-Trac Auto Sales, NY

  • David Hoffman Auto Mall, NY

  • Atlas Auto LLC, NY

  • Buy Right Motors, NY

  • Dioguardi Auto Sales, Inc., NY

  • Did you know? These BHPH Rochester MN 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 Rochester 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.

  • Upstate Auto Credit Henrietta, NY

  • H & S Motors, NY

  • Joseph Sage Auto Sales, NY

  • Atlantic Auto Brokers, NY

  • Rochester Auto Loft, NY

  • The phrase buy here pay here Rochester MN 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. Rochester 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.

  • Highline Motor Car, Inc., NY

  • Websmartautocom, NY

  • Santa Motors Inc, NY

  • Auto Junction, NY

  • Embassy Auto Inc, NY

  • Why buy here pay here Rochester MN 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 Rochester MN 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 Rochester MN 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 Rochester MN Works

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

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

    The buy here pay here Rochester MN 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 Rochester MN 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 Rochester MN 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 Rochester MN

    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 Rochester MN

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

    While buy here pay here Rochester MN 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 Rochester MN 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.

    Rochester MN buy here pay here Reviews

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

    1. buy here pay here Rochester dealer review by jnai Jones

      jnai Jones rated John Lombardo Enterprise Inc.

      I bought a 2011 Jeep Compass from John. The service was great and he had everything all set to go for me including new plates and registration! This place was a great choice.

    2. buy here pay here Rochester dealer review by Abdul Quraishi

      Abdul Quraishi rated John Lombardo Enterprise Inc.

      I came up from Ohio to buy a Subaru Outback I saw online. John was extremely helpful and more than welcoming for the Sunday before Christmas, even picked me up from the bus station! Everything was just as described and I had the most pleasant experience start to finish ever buying a used car. If the opportunity ever comes up again I would absolutely buy another car from John!

    3. buy here pay here Rochester dealer review by Mike Brucato

      Mike Brucato rated Superior Auto Care

      Hi There, Im Mike the owner of Superior Auto Care.we have resolved these issues with the customers and unfortunately GOOGLE has not removed these negative feedbacks after numerous telephone calls to GOOGLE,

    4. buy here pay here Rochester dealer review by Oktay Kocaoglu

      Oktay Kocaoglu rated Superior Auto Care

      Very reliable used cars at great prices. The staff and owner are 100% grade A+ with repairs. Customer for life because of the wonderful people and service.

    5. buy here pay here Rochester dealer review by Jashaun Howard

      Jashaun Howard rated eCarsUSA.com

      Amazing, everyone is so nice and patient this was my first car experience and they walked me through the whole process, couldn’t have asked for a better team. Albert is super sweet and not only helped me through the process kept a good conversation going to make sure I was comfortable and can trust him. If can give them 10 stars I would. The whole team is amazing down from the lot attendant to the bank they work with. I Will definitely be back for another car and will refer as many people as I can!! Affordable, timeless, and friendly.

    6. buy here pay here Rochester dealer review by Kimmie Y

      Kimmie Y rated eCarsUSA.com

      If your looking for a car this is the place you want to go, the guy ALBURT is a awesome guy and helped me and my fiancé out So much and I got my beautiful Kia Soul!!

    7. buy here pay here Rochester dealer review by Michelle Respalie

      Michelle Respalie rated Scottsville Auto Sales

      Love doing business with them. Always reliable cars. I would recommend them to anyone looking for a car.

    8. buy here pay here Rochester dealer review by Tammy Fisher

      Tammy Fisher rated Scottsville Auto Sales

      Great customer service. Our son bought his first truck here and recommending another family member.

    9. buy here pay here Rochester dealer review by Evony King

      Evony King rated Upstate Auto Credit Rochester

      Mat and other workers were very helpful the process was quick and I drove off the same day

    10. buy here pay here Rochester dealer review by Amanda Gallo

      Amanda Gallo rated Upstate Auto Credit Rochester

      I had a wonderful experience with the Greece location, Nick and Kyle were amazing and made it very quick and easy to get a car! I absolutely love my new car! I would definitely recommend them!

    11. buy here pay here Rochester dealer review by Diane Brickler

      Diane Brickler rated On-Trac Auto Sales

      Had an excellent experience while purchasing our Jeep! Never felt pressured, and they had great customer service. The dealership made it painless and smooth. Highly recommend!!

    12. buy here pay here Rochester dealer review by David Cangialosi jr

      David Cangialosi jr rated On-Trac Auto Sales

      Had an excellent experience purchasing my first non-leased car through these guys. No hassle and no BS. They were willing to work with me and find exactly what I wanted and for a great price. I’d recommend this place every time and to any friends or family as I have complete trust in them. The truck I got from them was better than what I was hoping and expecting to get.

    13. buy here pay here Rochester dealer review by Jennifer Blanchard

      Jennifer Blanchard rated David Hoffman Auto Mall

      GO SEE LOUIE!! If you have bad credit and need a car, go see this guy. He will help you find the perfect car for your budget. And unlike a lot of car sales people, he doesn’t try to push you into doing anything. He asks you to tell him what you’re comfortable paying and he will help you find something that works for you. I’m so excited about the Jeep Liberty he helped me get into. It’s been my dream since I was a child to own a Jeep and now thanks to Louie I finally do and at a price I’m happy with. Couldn’t have asked for a better used car buying experience. I will definitely be back and I’ll be telling my friends and family to go see Louie too.

    14. buy here pay here Rochester dealer review by Lavell Johnson

      Lavell Johnson rated David Hoffman Auto Mall

      Great place! Michelle is on top of any and everything very friendly, great to talk to,always a phone call away .Loui makes you want to buy all their cars!! More than likely going to grab another car through Hoffman's.Love my Yukon

    15. buy here pay here Rochester dealer review by Maria Tsoulis

      Maria Tsoulis rated Atlas Auto LLC

      I would recommend Atlas Auto to anyone looking for a vehicle. I stopped in with a specific budget and down payment and Gary made it happen! We were able to find a car that had everything I was looking for, they were kind and professional. It was an overall great car buying experience!

    16. buy here pay here Rochester dealer review by Alesha Marie

      Alesha Marie rated Atlas Auto LLC

      Went to Atlas to look around one day, and I found the car I wanted (‘13 Infiniti G37). Gary was able to get me approved for a loan & driving away in my new car the next day with super low payments! Gary was super helpful and patient with all my questions. Excellent service, wonderful communication, 100% would recommend to anyone in the market for a used car! I won’t do my car buying from anywhere else ever again!!!

    17. buy here pay here Rochester dealer review by Yeira Mercado

      Yeira Mercado rated Buy Right Motors

      I bought my first car from them in March of 2017 under 100k miles and my car is still doing great and most definitely would buy another car from them again :)

    18. buy here pay here Rochester dealer review by David Vasquez

      David Vasquez rated Buy Right Motors

      Get ur car checked out here they'll hook you up

    19. buy here pay here Rochester dealer review by Rebecca Reyes

      Rebecca Reyes rated Dioguardi Auto Sales, Inc.

      Tim Dioguardi was awesome to work with! A whole bunch of unforeseeable circumstances occurred to us all at once—the perfect storm, and I really needed a car but my awesome credit plummeted within a couple of months. Dioguardi was so great. He never judged. He listened to our story and helped us get a car in one of the most crucial times in our life. Tom will work with you to help you regardless of your financial status at the moment. I would highly recommend paying him a visit at anytime to purchase a car. He makes the Process extremely simple with a lot of funny movie quotes and jokes thrown in to keep your spirits high! What a character! You have to go visit him. Thanks Tom!

    20. buy here pay here Rochester dealer review by Myrani Jackson

      Myrani Jackson rated Dioguardi Auto Sales, Inc.

      I was in there an hour and Tom helped me get my first car! Excellent service, awesome guy and a good laugh.

    21. buy here pay here Rochester dealer review by Aimie Sackett

      Aimie Sackett rated Upstate Auto Credit Henrietta

      Amazing experience! I was in an unfortunate situation with a car that I was upside down in. I met with Otis, an amazing salesman here. He genuinely cared and took a lot of time listening to me and wanted to do whatever he could to help me out while still being honest with me. It’s not something you find at a lot of car dealerships, I would highly recommend this place to anyone looking for a newer used car that’s going to be safe and reliable!

    22. buy here pay here Rochester dealer review by Brittany Medeiros

      Brittany Medeiros rated Upstate Auto Credit Henrietta

      I Had An Amazing Experience At Upstate Auto Credit With Jill Haddock And Shaun I Walked In Not Knowing What Was Gonna Happen With My Credit Being So Low And A Vehicle I Was Currently Driving Not In The Best Condition For Me And My Children And Jill And Shaun Were So Helpful And Understanding Through The Whole Process Of Getting Me Approved For A Vehicle They Stayed In Touch With Me And Kept Me In The Loop With Everything Going On And I Left There Driving A 2012 Chevy Malibu I Can't Thank You All Enough ? To Know That I Am Now Driving A Safe Vehicle For Me And My Children Brings Me So Much Joy ? If Your Looking For A Great Car Buying Experience And Wonderful People That Will Treat You Right To Work With I Highly Recommend Upstate Auto Credit In Henrietta Ny... Thank You Guys So Much I Appreciate You All ?

    23. buy here pay here Rochester dealer review by Angel Gonzalez

      Angel Gonzalez rated H & S Motors

      Best service and great quality work

    24. buy here pay here Rochester dealer review by Young Tim

      Young Tim rated H & S Motors

      H&s motors Gave me a Nice 2004 Mazda 3 for Free when my 2000 Chevy prizm was lost.

    25. buy here pay here Rochester dealer review by Allison Hines

      Allison Hines rated Joseph Sage Auto Sales

      They worked with me and my credit situation. I was albe to get into a nice used car with money down and a trade in. They were freindly and worked hard to make my car purchase easy during a stressful time. Thanks to John at Joseph Sage!

    26. buy here pay here Rochester dealer review by Karen Smith

      Karen Smith rated Joseph Sage Auto Sales

      I love Joseph Sage. They treated me very well and I'll be going back for sure

    27. buy here pay here Rochester dealer review by Keith Consaul

      Keith Consaul rated Atlantic Auto Brokers

      I had a 2008 Escape and the sub frame cracked and I was in need of a car quickly. Atlantic Auto Brokers was the first place that came to mind. I called and met with Eric and within a few days he got me in the best car I have ever owned. It was fast, he was very helpful and very knowledgeable and patient and trusting. The best part of it all is he did what he said he would, when he said he would do it. I couldn’t be happier with my purchase and the whole process. If you ever need a car go see Eric at Atlantic Auto Brokers before you do anything else and tell him Keith sent you. You won’t be disappointed!

    28. buy here pay here Rochester dealer review by Pablo ramos

      Pablo ramos rated Atlantic Auto Brokers

      Great service, affordable vehicles

    29. buy here pay here Rochester dealer review by victoria casserino

      victoria casserino rated Rochester Auto Loft

      Bought my car from them a couple months ago and the experience was wonderful. i had basically no credit and they got me approved and in my car in a week. they understand the customers needs and do the best they can to get you in the car you want. i will be going back for any of my car needs and recommend to all!

    30. buy here pay here Rochester dealer review by Alisa Patterson

      Alisa Patterson rated Highline Motor Car, Inc.

      My husband wrecked the car and we needed another one. Looked around for a bit and found this place. I work in Rochester a lot so thought we’d check it out. Financing was so easy and fast. Within days, we had the BMW X3 we liked! Drove it over 200 miles home no problem. Saw ones beat down at local dealerships that cost more with higher miles and problems galore. Came with new tires that saved us big $$ and no lights on the dash. It was low miles like new. We just had to bring ourselves and take the keys (which they even had two!).

    31. buy here pay here Rochester dealer review by Alan Richardson

      Alan Richardson rated Highline Motor Car, Inc.

      My family and I have purchased approximately 13 vehicles from Gary Jr and Bob. This is the very best dealership in town and probably the country. 13 cars and all have been excellent vehicles. I'm not a rich man but Highline Motor Car, Inc. has made it possible for me to afford some of the finest foreign cars money has to offer. Thanks guys! Now I'm ready to buy car #14 ! Alan R.

    32. buy here pay here Rochester dealer review by Lynda DeFrank

      Lynda DeFrank rated Websmartautocom

      Fast and convenient. Very friendly

    33. buy here pay here Rochester dealer review by Liz & Gabi Colon-Kiess

      Liz & Gabi Colon-Kiess rated Santa Motors Inc

      Awesome employees Annette help me and my family and she was great on top of everything and happy with her job...thank you can't wait to get my car...then there is Dorthy she was a great sales person and made sure we knew everything we needed to and happy also helped My bestie Mr. Avery. Great place to visit...

    34. buy here pay here Rochester dealer review by Shariff Sides

      Shariff Sides rated Santa Motors Inc

      Got great ride

    35. buy here pay here Rochester dealer review by wiliam bauman

      wiliam bauman rated Auto Junction

      Bought a car at good price

    36. buy here pay here Rochester dealer review by Kelli Berardi

      Kelli Berardi rated Auto Junction

      I immediately fell in love with a car they had on the lot. I took it to my mechanic. There were only a few things wrong with it. I let Auto Junction know what was wrong with it. They agreed to fix the parts before I bought the car. Since I used my own financing, they lowered the price for me so I was able to afford it. They negotiated, and they let me drive it around without having anyone in the car with me, which helped to put me at ease. I had a great experience there. I love my car, and have had no problems with it.

    BHPH Rochester MN dealer

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