Top 18 Buy Here Pay Here Dealers in Scottsdale AZ

Looking for a used car dealer in Scottsdale AZ but your credit is in bad shape?

Connect with top 18 buy here pay here Scottsdale AZ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Scottsdale'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 Scottsdale AZ

  • Enterprise Car Sales, AZ

  • Valley Motor Company, AZ

  • McLaren Scottsdale, AZ

  • DriveTime Used Cars, AZ

  • Mercedes-Benz of Scottsdale, AZ

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

  • Mercedes-Benz of North Scottsdale, AZ

  • Chapman Dodge Chrysler Jeep Ram, AZ

  • Luxury Auto Collection, AZ

  • Carizona, AZ

  • Ez Own Auto Source, AZ

  • Did you know? These BHPH Scottsdale AZ 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 Scottsdale 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.

  • Liberty Cars and Trucks, AZ

  • Chapman Ford Scottsdale, AZ

  • B & G Auto Sales, AZ

  • Chapman Volkswagen Scottsdale, AZ

  • Certified Luxury Auto, AZ

  • The phrase buy here pay here Scottsdale AZ 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. Scottsdale 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.

  • Hertz Car Sales Scottsdale, AZ

  • Rocky’s Auto Credit, AZ

  • Buy Here Pay Here Phoenix, AZ

  • Why buy here pay here Scottsdale AZ 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 Scottsdale AZ 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 Scottsdale AZ 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 Scottsdale AZ Works

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

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

    The buy here pay here Scottsdale AZ 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 Scottsdale AZ 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 Scottsdale AZ 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 Scottsdale AZ

    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 Scottsdale AZ

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

    While buy here pay here Scottsdale AZ 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 Scottsdale AZ 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.

    Scottsdale AZ buy here pay here Reviews

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

    1. buy here pay here Scottsdale dealer review by Kevin Mejia

      Kevin Mejia rated Enterprise Car Sales

      Five stars. Both the representative that I spoke with and the manager worked hard to get me the best deal. The manager explained the process so I knew what I was getting and for what price. Will definitely come back to get another car.

    2. buy here pay here Scottsdale dealer review by Stray Cat69

      Stray Cat69 rated Enterprise Car Sales

      Was great to be treated as well as Matt treated us. Good deal good people. Thanks for the experience.

    3. buy here pay here Scottsdale dealer review by Professional Window Cleaning

      Professional Window Cleaning rated Valley Motor Company

      I would give Tom 10 stars if I had the option. Wonderful man with a great passion for his business! We text him on a Sunday, simply checking to see if a truck was available. He responded quickly and met with us about 30 minutes later. We test drove the truck, and it was EXACTLY what we were looking for. I asked Tom for financing, and he got us financed super fast. You can't find a nicer or better car salesman than Tom! Thanks again Tom! Love the truck!!!

    4. buy here pay here Scottsdale dealer review by Jason Hodgson

      Jason Hodgson rated Valley Motor Company

      The wife and I found a vehicle that we were interested in and drove up to the business to visit with Tom. We ended up bringing our 1 year old and Tom totally went out of his way to make sure we had a wonderful experience. He didn't push us in any way, was very patient, and the vehicles that he has are clean and well kept. We were able to purchase with confidence and am very happy to do business with him. They are Military friendly as well!

    5. buy here pay here Scottsdale dealer review by Mitchell Mckee

      Mitchell Mckee rated McLaren Scottsdale

      Honestly the best group of people around. Bought my 570s from them and they were the best group of people. Their technician Nick was fantastic when I took delivery of the car and if I had questions he was always quick to answer even after the fact! They always went above and beyond! Cant recommend them enough!

    6. buy here pay here Scottsdale dealer review by kateland alvarez

      kateland alvarez rated McLaren Scottsdale

      Lovely dealership with such kind and helpful salespersons. Very wide selection of vehicles as well.

    7. buy here pay here Scottsdale dealer review by Danielle Burt

      Danielle Burt rated DriveTime Used Cars

      Eric and Jeff were perfect. Their customer service was quick yet extremely adequate. Everyone was extensively helpful and kind. I would suggest the Mesa location overall. They are very upfront about prices and never pushy. Thank you guys.

    8. buy here pay here Scottsdale dealer review by Jeanine Gilman

      Jeanine Gilman rated DriveTime Used Cars

      We had an awesome experience here. The experience was no nonsense, and we were in and out in right around 3.5 hours. Kirk took great care of us, answering all of our questions, and making sure we got what we needed. He got us a payment that was in our sweet spot WITH the extended warranty. We are very pleased with our experience and would definitely recommend.

    9. buy here pay here Scottsdale dealer review by So Lo

      So Lo rated Mercedes-Benz of Scottsdale

      24 hours prior to my Lease/Purchase I had a brief phone conversation with an amazing Mercedes Benz Sales and Leasing Consultant by the name of Chris Bucher. I told him what I wanted and scheduled an appointment for the following day. Everyone at Mercedes-Benz of Scottsdale from the moment I walked through the door treated me like family. This was the smoothest and most pleasant car deal EVER! The vehicle I was interested in was located in a temperature controlled show room located on the second floor and lined up in the colors of my liking. It didn't take me long to decide. From that point forward it took all of about 3 hours in total to do paper work, have the car fueled and detailed, set up Mercedes me connect phone app for your remote start etc., go over features within the car with a Mercedes Specialist and go on about my life ;) Impeccable guest services. Outstanding layout and choices readily available. Top notch experience from start to finish! Luxury= Mercedes-Benz of Scottsdale! They won't disappoint! Happy New Year!

    10. buy here pay here Scottsdale dealer review by Lincoln Az

      Lincoln Az rated Mercedes-Benz of Scottsdale

      I've been going to Scottsdale since it opened. I am very happy with the on point customer service I receive from Joey. When I bring my vehicle in his professionalism shows in all aspects of his work. He always returns my calls, accommodates if I need a car, goes over all aspects of the service and I trust him. I always feel my Mercedes is in good hands.

    11. buy here pay here Scottsdale dealer review by Bruce Krymow

      Bruce Krymow rated Mercedes-Benz of North Scottsdale

      Our experience when purchasing an auto from sales staff Richard Rollnick was the best and fastest ever. Mind you, I am generally picky and have my homework done, but I've never gone into a dealership, very first visit, looked at 6 vehicles, and then bought one without hesitation. It was a dream: found an auto that has all of the Must-Haves, perfect condition, met our price point on first negotiated proffer, completed all of the transaction documentation, and drove the new whip off the lot, all in less than 2 hours... unbelievable... thanks Richard!

    12. buy here pay here Scottsdale dealer review by Catherine Enright

      Catherine Enright rated Mercedes-Benz of North Scottsdale

      I am a life time Mercedes Benz owner. Hands down Lou Gordon is a professional and a genuinely wonderful person. I have had the pleasure of knowing and doing business with Lou for twelve years. He is honest and always does the best for his customers, there is no one better. He and Sonya make a car purchase a pleasure. Even if you don’t want to drive a Mercedes Lou Gordon will put you in a car that suits you and your budget.

    13. buy here pay here Scottsdale dealer review by June Thompson

      June Thompson rated Chapman Dodge Chrysler Jeep Ram

      Words can not describe how thankful I am I took my car in to this dealership. The men in the service department have been so wonderful. Iv been lucky enough to be working with John. He has been so helpful, passionate, And a beyond patient. John has gone above and beyond for me and my daughter. Iv been in the service industry for 15+ yrs, and Iv never met someone so patient as well as understanding to one’s needs and budget. I will forever be thankful as well as a dodge customer thanks to John and this team. Beyond outstanding service

    14. buy here pay here Scottsdale dealer review by Michelle

      Michelle rated Chapman Dodge Chrysler Jeep Ram

      We ran into a situation where we were offered an incentive on our new 2019 Dodge Ram if we came back at a later time by our salesman. When we returned to Chapman, we were told our salesman no longer worked there. My husband explained our situation and we were certain we'd be told they couldn't honor that incentive since our salesman wasn't there any longer. But, Scott, a sales manager, said that's not how they do business at Chapman Dodge and honored the incentive. We were very impressed, not only by this, but also when we purchased the truck in December. The sale went very smoothly. Highly recommend Chapman Dodge Chrysler Jeep Ram.

    15. buy here pay here Scottsdale dealer review by Corey Butler

      Corey Butler rated Luxury Auto Collection

      I felt it necessary to write a review even though I purchased my car 5 months ago. I was looking for a new car and found what I was looking for online. I contacted the company and was immediately contacted by Nick Polanski who was excellent in getting answers to the many questions I had regarding the car. Since I lived out of state I had to do all of my paperwork online. I was assisted by a wonderful finance director by the name Gabriel Greece. He made sure my credit application process went smooth. I was also assisted by a very patient and kind man by the name of Moe Mojahed. My application was processed with ease and my car was shipped safe and secure from Arizona to Louisiana, faster than the estimated delivery date given. I absolutely love my car and it looked exactly like the pictures online. If you are looking for a great automobile with awesome service please ask for one of these fine gentlemen. They will surely take care of you. Thanks fellas!!

    16. buy here pay here Scottsdale dealer review by Ben Holt

      Ben Holt rated Luxury Auto Collection

      These guys are pros. I bought a beautiful BMW from these guys for a very fair price and they shipped it across the country to me. The whole transaction went quickly and without problems. I just wish teaching my wife how to use all the features on her new car was as easy as buying the car from these guys. Great work! Looking forward to the next time I need a car!!

    17. buy here pay here Scottsdale dealer review by Matthew Droeg

      Matthew Droeg rated Carizona

      Took my son to get his first vehicle and Carizona made it the best experience for him. Tim was a fantastic salesman and willing pulled out 6 vehicles for my son to test drive. The actual sale process was smooth and quick which I appreciated. I have bought a lot of vehicles in my life and this was the smoothest best buying experience I have had.

    18. buy here pay here Scottsdale dealer review by Renee Wiggins

      Renee Wiggins rated Carizona

      I had a great experience at Carizona! It was my first time purchasing a car and was nervous and skeptical. Ivan helped me out and eased my concern. There was no pressure, he listened to what I wanted, and found cars that best fit for me. The prices were also reasonable. You can tell they are more focused on the needs/wants of their customers and even stayed later to make sure I was happy with my decision. Would definitely recommend this place to anyone looking for a car especially a first time buyer! Thanks Carizona!

    19. buy here pay here Scottsdale dealer review by Jana Hayden

      Jana Hayden rated Ez Own Auto Source

      We bought our excursion from EZ own and I cannot say how much I loved these guys enough. They not only took care of all our oil changes and tags. They really did honor the warranty. We had so much replaced with no questions asked from the radiator to the fuel pump battery alternator fans belts. All work was done with receipts and they were done same day which is impressive. They take payments weekly or bi-weekly. However, they allowed us to pay monthly. We had two months during the course of our lease we were running a few days behind. We just called them and they gave us not only the extension I requested but added a few days for a cushion. No late fees no hassle or threats. They just said thank u for letting us know. I wish all companies could be this great thank u easy own.

    20. buy here pay here Scottsdale dealer review by Jennifer Vasquez

      Jennifer Vasquez rated Ez Own Auto Source

      These people have been so wonderful to me.. Shawna, Jessica, Paul. I've given them hell. But they've shown that they're here to help! I love my car! Thanks so much to you guys for giving me a chance when I really needed it. ??

    21. buy here pay here Scottsdale dealer review by Dino Homsey

      Dino Homsey rated Liberty Cars and Trucks

      Needed a vehicle fast, and was serviced beyond my expectations. I've been through several vehicles in my day and to be able to walk onto a car lot be greeted warmly without feeling pressured, was a beautiful change. Stated my needs, they were met quickly and I was signing the paper work in no time. Got what I feel was a fair deal and was out the door in a new vehicle toot sweet. No deal haggling, just professional service. If you need a vehicle with no used car tactics or salesman pressure Liberty is the place to go to, for a quality vehicle and professional atmosphere.

    22. buy here pay here Scottsdale dealer review by Kenny Hicks

      Kenny Hicks rated Liberty Cars and Trucks

      Octavio was great to work with. I had some unique circumstances where payment was concerned and they worked with me on it and got me on the road in a 2015 Ford Flex. Three days later I moved across country in it and the car exceeded my expectations. All in all, I am very happy and they were very approachable and listened to my needs and concerns. They are worth giving a look if you are looking for a decent used car! Thanks again Octavio!

    23. buy here pay here Scottsdale dealer review by Tanya Kruzzette

      Tanya Kruzzette rated Chapman Ford Scottsdale

      The service team at Chapman took great care of my car, they performed diagnostics, and when it was not the issue I thought it was, they provided me with a loan vehicle and kept the car another day to continue diagnostics. they provided me with a detailed description of the issue, and allowed me to make a well informed decision for the care of my car. I am so grateful, and they have gained a customer for life!!! I will recommend them to every one I know!!!

    24. buy here pay here Scottsdale dealer review by Budget Wargamer

      Budget Wargamer rated Chapman Ford Scottsdale

      Good bunch of guys here. Had the best price in town at the time on my 2019 Ford Ranger XLT

    25. buy here pay here Scottsdale dealer review by James Stanford

      James Stanford rated B & G Auto Sales

      The ladies in the office are awesome. I just bought a 2016 Nissan Versa. No hassles just straight forward honesty

    26. buy here pay here Scottsdale dealer review by Ether TV

      Ether TV rated B & G Auto Sales

      I worked with Ana and she was great! Explained everything to me in a way I understand. I loved the service.

    27. buy here pay here Scottsdale dealer review by Diamond Speller

      Diamond Speller rated Chapman Volkswagen Scottsdale

      Courtney B. was amazing, she was extremely helpful and personable. Originally I spoke to Eli regarding the car and he ensured I would be taken care of. They kept their promise. And I'm so excited to have driven my new car home without any worries. The process was easy and they listen to my needs perfectly

    28. buy here pay here Scottsdale dealer review by Kevin Shannon

      Kevin Shannon rated Chapman Volkswagen Scottsdale

      Thay are Honest and upfront on there prices. They make you feel welcome and not intimidated. Thier prices are no beat by anyone. They really take care of you. Time them how long it takes to get you a water, it was the second thing they said to me when I arrived. They are fair on trade in prices. I will recommend them to everyone! Go see for your self.

    29. buy here pay here Scottsdale dealer review by Ashanty Kaylor

      Ashanty Kaylor rated Certified Luxury Auto

      I am a first time buyer and I was looking for a very specific car, Mo was super helpful and now I have the car of my dreams! Mo the manager/owner was extremely friendly and helpful. He explained everything to me and how the car buying process would go. The car was not only clean on the outside but also in amazing shape on the inside. I purchased a 2009 Ford Mustang that had less than 50K miles! For a car that is over a decade old it had amazing miles and is in great shape. Would definitely recommend and would purchase from Mo again. :)

    30. buy here pay here Scottsdale dealer review by Andrés Urbina

      Andrés Urbina rated Certified Luxury Auto

      Great experience. I went there looking for a Jetta 2014 with good mileage and great pricing. They showed me everything and also gave me a warranty for 3 years. Mo and Chris helped me very kindly as I was a first time buyer. The next morning, we signed and did all the paperwork I walked out with my car. Very satisfied with the service, definitely going back if I need another vehicle.

    31. buy here pay here Scottsdale dealer review by Chris Gridley

      Chris Gridley rated Hertz Car Sales Scottsdale

      Brian was awesome, helpful and knowledgeable. Got my daughter in law into a Toyota 4Runner she really loves at a great price. Easily the best buying experience I’ve had at a car dealer. I usually avoid dealers but I’m glad I made an exception and tried Hertz. Great job Brian!

    32. buy here pay here Scottsdale dealer review by Lauren Steger

      Lauren Steger rated Hertz Car Sales Scottsdale

      We searched for a new car for several months before buying at Hertz. After a lot of investigating I can say without a doubt that this store definitely has the very BEST prices on the market! We were lucky enough to meet with John on our first trip in and we had an awesome experience! He worked with us over the course of two weeks and made sure that we found the perfect car for our family. From the first test drive to the financing and throughout the entire process he was kind, helpful and truly went above and beyond for us!! We are very happy with our new purchase!

    33. buy here pay here Scottsdale dealer review by James McCrohan

      James McCrohan rated Rocky’s Auto Credit

      I have purchased several cars over my lifetime at all different phases of life, good credit bad credit etc life happens right? Anyway considering Rocky's is setup for people with no credit or bad credit and maybe even people that don't have any other options for buying a car they are very friendly helpful and seem to give you the best possible options for your situation. I purchased 2 vehicles from Rocky's so far and have had a great experience each time. I work with Ernie, he's excellent to work with! I recently took my mom in and Ernie took great care of her and got her into nice mini-van...Thanks Ernie!

    34. buy here pay here Scottsdale dealer review by Aimee Bondurant

      Aimee Bondurant rated Rocky’s Auto Credit

      I went to Rockys looking for a car and found one.. Then the great service and professionalism was given. Thanks to Ernie! I am so grateful!

    BHPH Scottsdale AZ dealer

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