Top 8 Buy Here Pay Here Dealers in Saint Paul MN

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

Connect with top 8 buy here pay here Saint Paul MN car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Saint Paul'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 Saint Paul MN

  • Footh Auto Sales, MN

  • University Auto Sales, MN

  • Palmore Imports, MN

  • Payless Auto Sales, MN

  • Alliance Auto LLC, MN

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

  • Insurance Auto Auctions, MN

  • North Suburban Auto Sales, MN

  • Eagle Auto sales, MN

  • Why buy here pay here Saint Paul 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 Saint Paul 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 Saint Paul 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 Saint Paul MN Works

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

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

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

    While buy here pay here Saint Paul 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 Saint Paul 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.

    Saint Paul MN buy here pay here Reviews

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

    1. buy here pay here Saint Paul dealer review by Cassie Anderson

      Cassie Anderson rated Footh Auto Sales

      3/3/2020: I love that Footh Auto now has a service center!!! The customer service here is AWESOME. I recently went in for an oil change and had my brakes checked. Ken was very accommodating and helpful. They gave me a great price for the brakes and had all new brakes done by the end of the same day!! I will continue to be a loyal customer of Footh Auto Sales & Service. Thank you Ben, Ken and the rest of the team!! :-) We bought a 2015 Ford Escape from Ben and his sales team (including Ken and Tony) for my husband. We had a great experience working with Ben to find the right car for us without the normal pressure you would see at a different dealership. I would recommend visiting Footh Auto for your next vehicle. We definitely will be. ???

    2. buy here pay here Saint Paul dealer review by Anita Ewald

      Anita Ewald rated Footh Auto Sales

      Tyler was extremely helpful.very nice and helpful.very understanding of needs and had no problem with 2 little kids running around. Everyone was very laid back not pushy at all. The waiting room is clean and has toys for kids which is extremely helpful when you have kids with. The vehicle was cleaned detailed and washed. Worked with credit finance and payments. Cosmetic repairs are scheduled. Very good experience. I'd recommend them.

    3. buy here pay here Saint Paul dealer review by Tyler Mlenar

      Tyler Mlenar rated University Auto Sales

      This place is awesome. Ocairi (I hope I am spelling her name right) was super helpful and amazing. This was my first time purchasing an automobile from a dealer and I went into it worried, because of all the horror stories of dealers screwing over the buyers, and withing minutes of talking to the saleswoman I was at ease. She walked my fiance and I through the whole process and explained everything really well. She went with us to test drive one of the cars we were looking at and instead of talking the whole time trying to sell us on the car, she sat in the back and answered any questions we had about the car. She let the car do the talking and more people in sales need to do this for their products. We ended up looking at a car from a different lot and the manager went down there himself to bring it to us so we didn't have to drive all the way down there after the last experience we had at the dealer we went to before (cough, Eastside Auto, cough). All the cars we looked at were really nice and fairly priced. The staff makes the place feel like a mom and pop place, so it's very welcoming. If you are looking for a good used car with excellent service, head here and ask for Ocairi and she'll hook you up.

    4. buy here pay here Saint Paul dealer review by Rafael Erazo

      Rafael Erazo rated University Auto Sales

      Great place to go buy vehicles we have the plasure to work with ocairi Martinez her quality of professionalism makes that all our family members buy from her. We highly recommend university auto sales maplewood. Thank you ocairi for going about and beyond and making sure we always getting great deals.

    5. buy here pay here Saint Paul dealer review by lynn faraj

      lynn faraj rated Palmore Imports

      Good cars and service! I was and still very satisfied with my purchase! I got a great deal a great car that I couldn’t get anywhere!

    6. buy here pay here Saint Paul dealer review by Anthony Lyndon-Racho

      Anthony Lyndon-Racho rated Palmore Imports

      Found a nice 2013 Hyundai Sonata that was listed at a price that beat the larger dealerships by thousands. Allowed me to bring the vehicle to my mechanic to be inspected. Everyone I dealt with was courteous, knowledeable, professional. I'll definitely consider them again when I need another vehicle.

    7. buy here pay here Saint Paul dealer review by Zakaria A. Ahmed

      Zakaria A. Ahmed rated Payless Auto Sales

      Nice Car for a wonderful price. Quality car dealership

    8. buy here pay here Saint Paul dealer review by Mr Dew

      Mr Dew rated Payless Auto Sales

      The guy was cool even though I didn't find anything.

    9. buy here pay here Saint Paul dealer review by Rob Ocharo

      Rob Ocharo rated Alliance Auto LLC

      Great place to guy a used car.

    10. buy here pay here Saint Paul dealer review by ezekiel bosire

      ezekiel bosire rated Alliance Auto LLC

      Great dealership with great prices

    11. buy here pay here Saint Paul dealer review by Greg Santer

      Greg Santer rated Insurance Auto Auctions

      Helpful friendly people doing a tough job.

    12. buy here pay here Saint Paul dealer review by Nezar Alzeer

      Nezar Alzeer rated Insurance Auto Auctions

      I bought different car from them. The manager is really a great man, he was great in solving issues I had. I appreciate your help

    13. buy here pay here Saint Paul dealer review by Richard Lee Schwinden

      Richard Lee Schwinden rated North Suburban Auto Sales

      I needed a different Vehicle, I only had a certain amount to spend. I searched for days and picked out 5 to look at from 5 different dealers, of the 5, 2 were sold before I got there, and other 2 were Not in the best shape for about the same dollar amount. The 5th one was located at North Suburban Auto Sales. A Very Friendly Salesman named Joe T. came out to help me. I told him I only Buy a certain brand and I only had so much to spend. They had 5 of the one I was looking for , in about the same price range as the other 2, I looked at from other dealers. This one I looked at was in MUCH Better shape, and drove Great ! However I was interested in the others too. Joe told me to My Face, "This one has no AC, this one was in an accident, this one is out of the price range you have to spend, this one too many miles for you" Un-Quote. He then offered "This one is really the one for you" my partner and I talked it over and agreed for the Price this one at "North Suburban" was hands down the best for the dollar amount. I went inside Joe asked me "What do you think" I said "I think I only have this much to spend" Joe responded "Oh, Mr. Zero that is a little TOO low, But let me look at some paperwork, and see what I can do" Joe came back with a Soda for me and said "I think we can make that work, I won't make much money, but I'd rather see you in this vehicle" we made a deal. However later the very same night, the battery died at O'Reilly's auto parts, in Roseville, one of the guys who worked there, Came Out To HELP Me ! So a 2nd 5 Star for "O'Reilly's" in Roseville 55113. He tested my battery and said "This battery is done, you need a new one" So I TEXTED Joe at 8:45pm and told him what happened he replied "Call me in the morning, come and and I Will BUY You A NEW Battery" I called him, I went in, Joe himself Drove ME to the Auto Parts Shop and Bought A Brand NEW Battery, and Then Installed it for me ! Now, do I think they can do this for everyone ... I don't know, but I am telling you he did this for me and my partner Jennifer (witness). Also in My Experience, it is Only The "Haters" Bother to write Any Reviews, all the "Good Experiences" seem to be taken for granted .... MrZerr0

    BHPH Saint Paul MN dealer

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