Top 15 Buy Here Pay Here Dealers in San Antonio TX

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

Connect with top 15 buy here pay here San Antonio TX car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of San Antonio'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 San Antonio TX

  • DriveTime Used Cars, TX

  • Irving Motors, TX

  • Byrider San Antonio South, TX

  • Irving Motors Corporation, TX

  • Bill’s Auto & Truck Sales, TX

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

  • Manny G Motors, TX

  • Byrider San Antonio North, TX

  • West Side Used Cars Inc, TX

  • stop n drive motors, TX

  • Midtown Motor Company, TX

  • Did you know? These BHPH San Antonio 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 San Antonio 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.

  • Max Auto Sales, Inc., TX

  • Red McCombs Drive Away Motors WEST, TX

  • Buy Rite Auto Sales, Inc., TX

  • Dale’s & Bartlett Motors, TX

  •, TX

  • The phrase buy here pay here San Antonio TX 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. San Antonio 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.

    Why buy here pay here San Antonio 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 San Antonio 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 San Antonio 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 San Antonio TX Works

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

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

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

    While buy here pay here San Antonio 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 San Antonio 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.

    San Antonio TX buy here pay here Reviews

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

    1. buy here pay here San Antonio dealer review by Rose Bond

      Rose Bond rated DriveTime Used Cars

      Our salesman Colt was totally awesome. He was understanding knew exactly what we wanted and he explained everything in detail to us. We would definitely go back if we ever needed to buy another vehicle

    2. buy here pay here San Antonio dealer review by Victoria Moore Disabled VET

      Victoria Moore Disabled VET rated DriveTime Used Cars

      Bryttnie Alonso was a great and tremendous person who helped me achieve my dream. I thank her from the deepest of my heart. She is a true Blessing.

    3. buy here pay here San Antonio dealer review by Ramiro Galvez

      Ramiro Galvez rated Irving Motors

      Everyone was great here at Irving Motors. Omar helped my family so much to see us get the truck we wanted. It was was way past Omar's time to go home but he stayed with my family until we drove off with the Tundra we wanted late Saturday night. In the financing department Eli made sure we understood all the paperwork and helped us make wise decisions in our vehicle coverage and with our finance terms. The whole experience was more than excellent and this is where I will come back for my next vehicle.

    4. buy here pay here San Antonio dealer review by Amanda

      Amanda rated Irving Motors

      Paulina Blank made the whole process so smooth & easy. Very nice & professional. She answered all of our questions & made us feeling totally comfortable during the whole buying process. You can tell she truly cares for her customers.Highly recommend asking for Paulina.

    5. buy here pay here San Antonio dealer review by Brizzy Bryce

      Brizzy Bryce rated Byrider San Antonio South

      Great experience. Fast and easy process that give me a great car in the end with very affordable payments at a reasonable downpayment cost. Great for someone looking to start or rebuild their credit. Daniel in sales at my particular store was very helpful and got the process done smoothly and as swiftly as possible. I will be recommending him and this dealer to everyone I know looking for great cars.

    6. buy here pay here San Antonio dealer review by SippyCup Smith

      SippyCup Smith rated Byrider San Antonio South

      Daniel helped get me into a car with no hassle. Nice and professional

    7. buy here pay here San Antonio dealer review by Joey Sanchez

      Joey Sanchez rated Irving Motors Corporation

      Really thankful for these guys! Helped me with my situation after a car accident and found a vehicle that I love. Oil change was needed and they took care of it for me. Robin made my experience super easy, Eli was very friendly and thorough with the financing paperwork and I had an overall positive experience purchasing my first vehicle.

    8. buy here pay here San Antonio dealer review by Omar Fajardo

      Omar Fajardo rated Irving Motors Corporation

      Excellent place and service

    9. buy here pay here San Antonio dealer review by Kelsie Torres

      Kelsie Torres rated Bill’s Auto & Truck Sales

      Tony, or Toeknee, as he likes to say it (: got me in the car that I wanted. He wasn’t satisfied until I was satisfied, very funny & friendly. He wasn’t rushing, and also got me a great deal. Did everything he could to help. But that’s also for everyone, me & my parents were very grateful to purchase a car from Bills Auto & thankful for the customer service.

    10. buy here pay here San Antonio dealer review by Carmen Sanchez

      Carmen Sanchez rated Bill’s Auto & Truck Sales

      Best truck buying experience! Tony was very easy going, friendly and honest. He took his time showing me inventory and was not happy until I was fully satisfied with my selection. I would most definitely recommend Bills Auto & Truck Sales.

    11. buy here pay here San Antonio dealer review by Julio Santos

      Julio Santos rated Manny G Motors

      My wife and I have been looking to purchase a Mustang for almost a month, we had tried to deal with different dealers with poor customer service skills. We were trying to do a purchase online and over the phone and these dealers were given us the running around by not calling us back and telling us that they had customers all day, so we stopped communicating with them, but today we give it a new try and I sent a request to Manny G Motors and right away Mr. Manny G called us back and started to help me, he even founded the vehicle that I was looking for.The staff was communicating with me unto ten o'clock pm, that is exceptional ,We do appreciate that. We don't need to look anywhere else because we want to do the purchase there, thank you Manny for calling me back and I will start the process to see if I could purchase your vehicle. Once again thank you and your staff. Sincerely Julio Angel Santos

    12. buy here pay here San Antonio dealer review by Rob Rosalez

      Rob Rosalez rated Manny G Motors

      OPPORTUNITY. That's the perfect word to describe Manny G Motors. Not only did Manny bless me with an opportunity to learn and absorb the ins and outs of the automotive industry. He blessed me with an opportunity to become an Auto Consultant and learn and do exactly what he does and takes pride in... That's helping out people that truly need a hand in time of need. Stop by and give US an OPPORTUNITY.... Just like our new friends did in the photos below. Ask for Rob and I'd be more than happy to help!!!

    13. buy here pay here San Antonio dealer review by Michael Martinez

      Michael Martinez rated Byrider San Antonio North

      A man named Nick worked with me on getting into a truck and was especially helpful and patient knowing I was at work while he gathered what information he could over text. He also got me approved for an affordable down payment and monthly that works with my budget. Definitely coming back, was an overall good experience!

    14. buy here pay here San Antonio dealer review by Dream Girl

      Dream Girl rated Byrider San Antonio North

      Alex, was great. Still can’t believe I’m in my car. I thought it was too good to be true but go find out for yourself. Seriously, they work with you and get you into some great, low mileage cars. One car had 54,000 miles on it and I am so impressed. BEST CAR BUYING EXPERIENCE!!!

    15. buy here pay here San Antonio dealer review by David Rivera

      David Rivera rated West Side Used Cars Inc

      These People are totally awesome! Very very helpful, friendly & professional. I am very Grateful that they gave us a chance, we have been part of the Westside used cars family going in 2yrs. Also love that it’s a Buy here Pay here car lot. ? and Mayra was just an amazing person and very Courteous with us. Made us feel very welcomed unlike other lots and dealerships we’ve went to prior. Thanks Peeps!! From Red & Joseph.

    16. buy here pay here San Antonio dealer review by The WeirdUnknown

      The WeirdUnknown rated West Side Used Cars Inc

      I love this place ?? very friendly and helpful and professional ...I want to thank west side used cars for always helping me with my cars for over 10 years ???

    17. buy here pay here San Antonio dealer review by deedee Wilson

      deedee Wilson rated stop n drive motors

      They are very kind . They help me alott on payments even when I'm going through hard times . I would referre them often because they really do help alot.

    18. buy here pay here San Antonio dealer review by Daniel Bryant

      Daniel Bryant rated stop n drive motors

      Morgan and Nelson was very professional and helpful. Process very quick. When not other dealership could help us. Car was very dependable, efficient and reliable at a great price! Would definitely recommend.

    19. buy here pay here San Antonio dealer review by Raquelle Avila

      Raquelle Avila rated Midtown Motor Company

      Midtown motors is the best dealership in the west side , I highly recommended this dealership to anyone in need of a vehicle. They have good vehicles at very good prices. I suggest everybody check them out.

    20. buy here pay here San Antonio dealer review by Andrew Perez

      Andrew Perez rated Midtown Motor Company

      Very great company the staff is amazing the fact that they offer warranty is a plus. I highly recommend Midtown oh bonus is the referral program only had my vehicle a few months and with the program looks like I'll pay off sooner.

    21. buy here pay here San Antonio dealer review by itsliljojoe 22

      itsliljojoe 22 rated Max Auto Sales, Inc.

      I have bought a 2015 Challenger brand new Jeep off of them that had 200 miles explore I've been buying from Max for years and they have stood by me they have the best vehicles , at the best prices

    22. buy here pay here San Antonio dealer review by Tristan cura

      Tristan cura rated Max Auto Sales, Inc.

      The best place to buy a car they help u get in to the car of your dreams eiddie the finance manager does everything in his power to help you get into a car

    23. buy here pay here San Antonio dealer review by Juan Covarrubias

      Juan Covarrubias rated Red McCombs Drive Away Motors WEST

      Bought a vehicle about a month ago in February and it was honestly a great time my wife and I had , we had Robert G. Help us out and wow he really knew how to make the car buying process a great time going out an beyond. We gave him the model and specs we were looking for and just like a Magician he pulls it out of a hat and sold us the perfect truck we wanted that had everything we wanted. I would definitely recommend 101% to anyone looking to buy a vehicle to come to this dealership and ask for Robert G, he will listen and get you a vehicle that you want!

    24. buy here pay here San Antonio dealer review by Camille Maez

      Camille Maez rated Red McCombs Drive Away Motors WEST

      As someone who either got "hand me downs" or purchased a vehicle from a friend, or Craigslist, they made my first time purchasing a vehicle at a dealership extremely easy and painless! I was skeptical at first because I thought most car dealerships would try to get the most out of you, but they were extremely genuine, informative, friendly, and wanted to help me get the car that I not only want, but that would also fit my budget. I came in only to inquire and window shop, but I ended up driving away with my vehicle the next day! It could have been the same day I came in, but I didn't have a friend with me to drive the car I came in with. I want to say a very special thanks to Hope for helping me every step of the way and to everyone there that also helped me get a great rate! I now feel safe and secure on the road with my 2018 Ford Focus!

    25. buy here pay here San Antonio dealer review by Sabrina Cantu

      Sabrina Cantu rated Buy Rite Auto Sales, Inc.

      Loved it. friendly people willing to help anybody

    26. buy here pay here San Antonio dealer review by Daniel Martinez

      Daniel Martinez rated Buy Rite Auto Sales, Inc.

      They do their best to treat you right and find the best deals.

    27. buy here pay here San Antonio dealer review by Joni Rodriguez

      Joni Rodriguez rated Dale’s & Bartlett Motors

      We worked with Erica and we came prepared with all documents and downpayment and were out and driving in 2 hours!!! Super happy with the service!! Thanks again!! Now were #SCIONGANG!!!!

    28. buy here pay here San Antonio dealer review by Alexander Cortez

      Alexander Cortez rated Dale’s & Bartlett Motors

      This place is a life saver, someone totaled my car , everyplace I called wanted 2k down , but Dale's Bartlett Motors came threw with 295.00 down on my new 2013 Impala. ?

    BHPH San Antonio TX dealer

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