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Top 10 Buy Here Pay Here Dealers in Seattle WA

Looking for a used car dealer in Seattle WA but your credit is in bad shape?

Connect with top 10 buy here pay here Seattle WA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Seattle'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 Seattle WA

  • Enterprise Car Sales, WA

  • PNW Luxury Cars, WA

  • University Mazda Seattle, WA

  • Seattle MINI, WA

  • Reality Auto Sales, WA

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

  • Chrysler Dodge Jeep Ram of Seattle, WA

  • Pierre Ford, WA

  • Pierre Money Mart, WA

  • Rich’s Car Corner, WA

  • Pierre Money Mart, WA

  • Did you know? These BHPH Seattle WA 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 Seattle 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.

    Why buy here pay here Seattle WA 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 Seattle WA 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 Seattle WA 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 Seattle WA Works

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

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

    The buy here pay here Seattle WA 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 Seattle WA 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 Seattle WA 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 Seattle WA

    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 Seattle WA

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

    While buy here pay here Seattle WA 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 Seattle WA 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.

    Seattle WA buy here pay here Reviews

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

    1. buy here pay here Seattle dealer review by K P

      K P rated Enterprise Car Sales

      This was the BEST car buying experience we have ever had. Car buying is something everyone dreads, esp with 5 kids in tow. But they made it so easy, we were in and out in under 3 hrs. We will definitely purchase from again.

    2. buy here pay here Seattle dealer review by John Lee

      John Lee rated Enterprise Car Sales

      Superior sales technique is not what this is about it’s honesty and hard work and meaning what you say and doing it! The folks at enterprise car sales are really professional and caring and honest and deliver excellent service… More than this you cannot ask for!! Kudos to Marcos Meza and the people that backed him up in the sales of two vehicles to us!! Thanks John

    3. buy here pay here Seattle dealer review by Ezell Johnson

      Ezell Johnson rated PNW Luxury Cars

      I have purchased many, many cars and SUVs, today was the absolute best that I have ever experienced! In the year of 2020 who in the heck gives you the keys to a very expensive car and says take it for a spin by yourself? Really, no freaking way! Not only did that happen to me today but the car was already running and ready to go when I got there! James was my salesperson and he was by far the classiest, coolest salesperson that I have ever met. Get this, he handle everything from A to Z! I was in and out in 90 minutes and that included my 25 minute test drive. Needless to say I purchased the car. So for all of you hard working people out there that are in the market for a nice used luxury car with low miles I would highly recommend PNW Luxury Cars of Seattle. Ask for James! Take Care PNW and stay Safe!! Thanks again

    4. buy here pay here Seattle dealer review by Jasmine Pocza

      Jasmine Pocza rated PNW Luxury Cars

      PNW Luxury Cars gave my husband and I the absolute best experience we could have asked for when we purchased our "new to us" Jeep from them recently ... and then some! Not only did they pay attention to the little details that meant so much to us, but they went above and beyond to make sure they were transparent with the Jeep's history and maintenance inspection, and ensured that we drove away in a safe and reliable vehicle! We highly recommend them to all of our friends and family. You won't regret your decision to purchase your vehicle from PNW Luxury Cars!

    5. buy here pay here Seattle dealer review by Brianna Faas

      Brianna Faas rated University Mazda Seattle

      Great service team at University Mazda, they do an excellent service! Always appreciate the service I get each time I go in. They go above and beyond. And always a fresh wash and vacuum as well. Feels good to drive away knowing your car was well cared for.

    6. buy here pay here Seattle dealer review by rickenbackerboy

      rickenbackerboy rated University Mazda Seattle

      What was initially diagnosed over the phone as a possible broken seat belt clasp ... turned out to be a simple disassemble and cleaning, and at a fraction of the original estimate. Plus, they washed and vacuumed my car as always. Another visit and another reason I'm glad I made the drive from Normandy Park to the University District six years ago to purchase my glow-in-the-dark green Mazda 2 from University Mazda. Wonderful folks :)

    7. buy here pay here Seattle dealer review by Keeko Lunaim

      Keeko Lunaim rated Seattle MINI

      Everyone has been friendly and knowledgeable, even helping me with my first car! Even the Mini accessories and clothes are kinda cute!

    8. buy here pay here Seattle dealer review by Daysha Berenson

      Daysha Berenson rated Seattle MINI

      Logan Espinoza is an absolute delight to work with. No pressure, laid back, responsive, knowledgeable, trustworthy. We shopped around but returned to Seattle Mini because it was such a relief to find a professional sales person. Would definitely recommend.

    9. buy here pay here Seattle dealer review by Nick Palmer

      Nick Palmer rated Reality Auto Sales

      I’d like to share my experience with reality auto sales I bought a Toyota sienna 2014. I drove this car from Seattle to California with my family and the car was great! The manager I believe his name is Zeid was very patient very helpful and honest and the price was really great and I’m putting in a review because I bought this car a month ago and when I drove from Seattle to California I felt very happy I really recommend this place to every one thank you so much to reality auto sales

    10. buy here pay here Seattle dealer review by taylor neal

      taylor neal rated Reality Auto Sales

      Had a great experience buying my first car here a few weeks ago. Very low pressure and helpful team. Listened to what I wanted and worked with me to find a great car at a far better price than other dealerships I had looked at!

    11. buy here pay here Seattle dealer review by Burhan Nurdin

      Burhan Nurdin rated Chrysler Dodge Jeep Ram of Seattle

      If you’re looking for a car, ask for Carlos Robles & Mike Davis. Carlos made the whole searching and exploring process amazing. Nothing felt pushed, plenty of time to really explore the car both with guidance and time alone to explore by yourself. Once you’re ready to talk numbers, it felt like Mike and Carlos did everything they could to get a win-win situation. Mike definitely did his best to find a deal that worked for both sides. If you see a car that they own, I’d highly recommend coming in to at least check it out. It might be the best deal you find around.

    12. buy here pay here Seattle dealer review by Diane Schultz Viseth

      Diane Schultz Viseth rated Chrysler Dodge Jeep Ram of Seattle

      I travelled from Kent all the way to north Seattle to purchase a car from Sean Bryan. I had spoken to him on the phone and I really liked his positive attitude. When I finally met him I wasn't disappointed. He is cheerful and makes car buying fun. I had a difficult situation and wasn't even sure I would be able to get financing. Not only did I get decent financing, he made the experience fun and not at all stressful. He has a wonderful personality and has a lot of knowledge. I highly recommend Sean Bryan and, in fact, I highly recommend the entire staff at this dealership. When it comes time to replace this car I will definitely go back to Sean.

    13. buy here pay here Seattle dealer review by Millie Fowler

      Millie Fowler rated Pierre Ford

      I had a great experience at Bill Pierre Ford last week. Chris helped me find the perfect car for my family. He listened so well and was so patient as I figured out what exactly I was looking for. He answered all my questions and was great company through the whole process. If you are looking for a new vehicle I highly recommend Chris at Bill Pierre Ford!!

    14. buy here pay here Seattle dealer review by Jeremy D

      Jeremy D rated Pierre Ford

      Absolutely fantastic begining to end. Bill, the performance manager, and his counterparts are top notch professionals. I drove from Portland and immediately when I arrived I was taken care. Despite having financing squared away before showing up they were able to beat the financing of my banks interest rate... including GAP coverage and a power train warranty. Great people selling great rigs!

    15. buy here pay here Seattle dealer review by linnass

      linnass rated Pierre Money Mart

      I spoke with Max and David over the phone before I went in because I have less than stellar credit and was concern if I would be able to get a car. Max was very confident that he could get me a car the very same day. True to his word, I drove home in my new car. David helped me with all my paperwork and worked with me throughout the entire process. Max helped me get the perfect financing that I needed. Together, they made this all possible for me. Thank you both for the pleasant experience! -Linna S.

    16. buy here pay here Seattle dealer review by Darren Banks

      Darren Banks rated Pierre Money Mart

      Chris prise very helpful and no pressure help me find the car that I needed very happy with there service

    17. buy here pay here Seattle dealer review by Ana Christine

      Ana Christine rated Rich’s Car Corner

      I bought my manual honda civic here a little over 2 years ago and it is the best vehicle I have ever purchased! They weren't pushy with me and they even let me take the car prior to purchase to my mechanic for a checkup. My mechanic was impressed with how good of condition the 1997 was. I really felt like they were honest and kind. They have a LOT of cars there though so sometimes it takes a few minutes to get out the car you want to test drive. It is worth waiting. Great place!!

    18. buy here pay here Seattle dealer review by Randy Purcell

      Randy Purcell rated Rich’s Car Corner

      Friendly a great people sold me a nice Honda reasonable 117000 miles

    19. buy here pay here Seattle dealer review by DZ Sniper

      DZ Sniper rated Pierre Money Mart

      If you don't know now you know The guys here at money mart were awesome! They helped me out tremendously with purchasing my dream car. There was absolutely no hassle or haggling prices everyone was professional and knowledgeable with their salesmen skills. I would 10/10 recommend the Pierre Money Mart, see these guys and make a deal you wont regret. Thanks again for the great experience.

    20. buy here pay here Seattle dealer review by LOCAL MEDIA 360 LLC

      LOCAL MEDIA 360 LLC rated Pierre Money Mart

      Jenell was superstar Jenell was superstar. ? She went well above and beyond my expectations to get us what we were looking for and then some! I was able to complete all my deals over the phone during my break times and when I got there she had everything prepared for my arrival at 5:20pm. Inspected, test drive, signed, paid and off I was with the key to my new S4 by 8:30pm. If anyone is ever in need of a vehicle today. Hit her up and she will definitely take care of you and find the perfect car for your needs. Thank you Jenell for making this thee most painless car buying experience EVER!!!

    BHPH Seattle WA dealer

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