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Top 7 Buy Here Pay Here Dealers in Sioux Falls SD

Looking for a used car dealer in Sioux Falls SD but your credit is in bad shape?

Connect with top 7 buy here pay here Sioux Falls SD car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Sioux Falls'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 Sioux Falls SD

  • Heartland Auto Loans, SD

  • World Wide Automotive, SD

  • Quality Automotive, SD

  • Autoland, SD

  • 5 Flags Auto Sales, SD

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

  • East 10th Street Pre-Owned Vehicles, SD

  • G & H Motors LLC, SD

  • Why buy here pay here Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD Works

    When the bank says no to your car loan, the buy here pay here Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD Car lots Dealership

    The one thing is very true about buy here pay here Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD – Fast Approval Low or no credit score

    The buy here pay here Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD 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 Sioux Falls SD

    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 Sioux Falls SD

    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 Sioux Falls SD, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Sioux Falls SD 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 Sioux Falls SD 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.

    Sioux Falls SD buy here pay here Reviews

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

    1. buy here pay here Sioux Falls dealer review by dalton dawes

      dalton dawes rated Heartland Auto Loans

      Works with multiple lenders and work with all types of credit. Doesn't matter if you have no credit, bad credit, or good credit they work with you and their banks to find you the perfect vehicle!

    2. buy here pay here Sioux Falls dealer review by Sara Michelle

      Sara Michelle rated World Wide Automotive

      Got a great van from there. I'm a first time mom and they really worked with me on this van. They notified me with any information on my van while I was looking at it. They always messaged me back when I had a question and still do if I have any questions. It's a great car dealership in my opinion. I would recommend them.

    3. buy here pay here Sioux Falls dealer review by Ted McMillan

      Ted McMillan rated World Wide Automotive

      WHAT CAN I SAY HERE : MATT GOES ABOVE AND BEYOND WHAT MOST USED CAR DEALERS DO

    4. buy here pay here Sioux Falls dealer review by thomas houston

      thomas houston rated Quality Automotive

      Worked with Eric, great guy and I got a great car. They stayed late and kept the dealership open for me on a Saturday night. Excellent service and help, even now that it's over I can still ask questions and get an immediate response.

    5. buy here pay here Sioux Falls dealer review by Richard Olson

      Richard Olson rated Quality Automotive

      So far the best experience we have had with a dealership. We filled out an online application and they called us the next day with what we needed for downpayment, we went in that night to value our 2 trade ins and traded in both vehicles the next day that covered our downpayment, gave us a more than fair trade in value for both. They showed us 2 different vehicles an 18 journey and an 09 journey. Only reason we chose the 09 is it had a shorter loan term that worked best for us at this time. They were not pushy like most salesman who wouldve insisted we took the 18 but they understood what we wanted. We drove off in an 09 dodge journey with a 12 month 12k mile warranty and our older 2 cars as our downpayment. Couldnt be happier with these guys, when we are ready to buy again this will be our first stop.

    6. buy here pay here Sioux Falls dealer review by Joey Cazanova WOW ENTERTAINMENT

      Joey Cazanova WOW ENTERTAINMENT rated Autoland

      I got a cash offer for one of my vehicles through Kelley Blue Book and they sent me to this dealer in Sioux Falls. They looked and they honored my offer and within 20 minutes I had a check in my hand. It was one of the easiest things I've ever had to do. I highly recommend that this dealer. They are fast and friendly and they have their act together! And it looks like my super cool car is going to be in their showroom in the next few days.

    7. buy here pay here Sioux Falls dealer review by Christopher McReynolds

      Christopher McReynolds rated Autoland

      Eddy was very helpful and did everything he could to help us find a reliable vehicle. I showed up after having both of my vehicles die on me within a week and he made sure I left with a reliable car that I could afford. The entire staff was very helpful from the beginning of the process to the end. I will definitely be going back to Autoland for my next vehicle purchase.

    8. buy here pay here Sioux Falls dealer review by Beverly White

      Beverly White rated 5 Flags Auto Sales

      5 Flags was great! It's very personable. I bought my car from 5 Flags over a year ago. NEVER had a problem with it. I go there to get my car serviced and if needed, like today, I bought new tires for my car. I like goings there. I feel like family me and my companion dog Diamond. They may even throw a few bones Diamonds way.

    9. buy here pay here Sioux Falls dealer review by Jeff Gardiner

      Jeff Gardiner rated 5 Flags Auto Sales

      Neil is a great guy, been buying most of my vehicles from there.

    10. buy here pay here Sioux Falls dealer review by Brian Gochal

      Brian Gochal rated East 10th Street Pre-Owned Vehicles

      Excellent place to buy a car. We had bought our last car at the much fancier location on the west side of town so when we found the right car for our daughter and it was located at this corner car lot, we were a bit taken back. that concern was truly unwarranted. The folks who work there are friendly, informative and put you at ease in purchasing a car. they work FAST. We were able to be in and out with a car purchase in record time. Car was clean, tank was full and the same great service we had at the fancy location was noted here. If anything, getting rid of all the glitsy bells and whistles seemed to make it go even smoother. buy from these folks with confidence that you are getting a square deal

    11. buy here pay here Sioux Falls dealer review by Marcy Tuttle

      Marcy Tuttle rated East 10th Street Pre-Owned Vehicles

      I bought a $2900 car from here 12-17. Jay Jensen was my sales rep. What he sold me most on was their dealership. He went on about how every car had to meet a safety check before leaving the lot. He knew I would be using this car for a lot of long distance traveling, and insisted they would sell me a good car. Imagine my disappointment as the 2nd day I had the car the engine light came on and the led display said, "engine hot, a/c off". I called the dealership, but Jay wouldn't be back in until the next day. He called me first thing when he got to work. I explained the situation to him. He urged me to bring it back in, so I did. The manager, (who was a 15 (?) Year mechanic before becoming a manager, immediately went out to look at my car with his kit. In just a few minutes, he discovered the problem, my radiator cap was disintegrated. He drove to the nearest auto parts store to replace it. Upon his return, he moved the car currently in the garage, out of the garage and had Jay move mine in. (It was super cold with a bitter wind). They had it replaced and fluids refilled within just a few minutes. He came back to explain and show me everything, including the old radiator cap, asked if I could come back in on Friday for them to recheck the fluids after they had a chance to settle. I said I could. They not only took care of the minor repair my car needed, but didn't charge me a penny. The number one reason to visit this dealership is the straight up honesty and integrity of their employees. Good job guys! Thank you! (Manager on left and Jay Jensen on right in pic) *update...A few days later the car did the same thing. I brought it back again, and this time they set me up with the main Ford service garage on 26th. There they fixed the thermostat and a pressure sensor, all on approval from Jim, the East 10th St Ford manager, NO CHARGE to me. Seriously honest, good people here. ?

    12. buy here pay here Sioux Falls dealer review by Annel Odobasic

      Annel Odobasic rated G & H Motors LLC

    13. buy here pay here Sioux Falls dealer review by G&H Motors

      G&H Motors rated G & H Motors LLC

    BHPH Sioux Falls SD dealer

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