Top 16 Buy Here Pay Here Dealers in South Bend IN

Looking for a used car dealer in South Bend IN but your credit is in bad shape?

Connect with top 16 buy here pay here South Bend IN car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of South Bend'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 South Bend IN

  • Car City, IN

  • DriveTime Used Cars, IN

  • Automax Of Indiana, IN

  • RightWay Auto Sales, IN

  • Two Rivers Auto Sales Corp, IN

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

  • Concord Cars South Bend – 46637, IN

  • Affordable Auto Rental, IN

  • R&B Car Company South Bend, IN

  • Omari Auto Sales, IN

  • Byrider Mishawaka, IN

  • Did you know? These BHPH South Bend IN 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 South Bend 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.

  • Davio’s Autos, IN

  • RiteWay Auto, IN

  • Quick Auto Mishawaka, IN

  • Quick Auto South Bend, IN

  • Hot Wheels, IN

  • The phrase buy here pay here South Bend IN 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. South Bend 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.

  • Instant Auto Finance, IN

  • Why buy here pay here South Bend IN 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 South Bend IN 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 South Bend IN 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 South Bend IN Works

    When the bank says no to your car loan, the buy here pay here South Bend IN 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 South Bend IN 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 South Bend IN 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 South Bend IN Car lots Dealership

    The one thing is very true about buy here pay here South Bend IN 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 South Bend IN 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 South Bend IN – Fast Approval Low or no credit score

    The buy here pay here South Bend IN 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 South Bend IN 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 South Bend IN 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 South Bend IN

    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 South Bend IN

    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 South Bend IN, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here South Bend IN 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 South Bend IN 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.

    South Bend IN buy here pay here Reviews

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

    1. buy here pay here South Bend dealer review by Chris Piper

      Chris Piper rated Car City

      Everyone there was fantastic! I was approved very quickly, and Rhonda helped me get into the perfect vehicle for me. So glad I went to Car City after looking at all the other garbage lots and ones that want $1,000 or more down.

    2. buy here pay here South Bend dealer review by Amanda Wilson

      Amanda Wilson rated Car City

      Such an amazing experience. Rob took excellent care of my husband and I. We were in a bind and getting screwed over and he was quick to help. He was straightforward, kind, understanding, and didn't hover/linger like other car salesmen do... he gave us our space and time to figure things out and answered all of our questions clearly. Best experience I have had in years!!! Thank you Rob!!!!

    3. buy here pay here South Bend dealer review by Naimad Nella

      Naimad Nella rated DriveTime Used Cars

      My experience with DriveTime was awesome. I was kindly greeted by Greg as soon as I entered the store. I was then introduced to Blaine. He was a great deal of help. He helped me pick out the exact car that I wanted and was also very informative as far as what the car had to offer. The entire process was quick and smooth. I highly recommend this DriveTime location.

    4. buy here pay here South Bend dealer review by Michael Weiss

      Michael Weiss rated DriveTime Used Cars

      Greg and Brian were awesome, super friendly and helpful, and they made the entire experience completely relaxed and painless. The entire process was about 2 hours from test drive to driving off the lot in a new vehicle...can’t recommend this place enough!!! Excellent service, amazing guys rock!!! Thank you!!!

    5. buy here pay here South Bend dealer review by Kai McCain

      Kai McCain rated Automax Of Indiana

      Great car shopping experience. They had the vehicle of my choice and had excellent customer service. Very pleased with my purchase no pressure nor any regrets. Total customer satisfaction I'd recommend anyone looking for a great car at a great price to choose #AutomaxOfIndiana...

    6. buy here pay here South Bend dealer review by Andy Baker

      Andy Baker rated Automax Of Indiana

      Amazing experience (again) with Kal. My family has gone to Automax for our last 2 vehicles and he always goes above and beyond to make the process easier and get us the best deal possible.

    7. buy here pay here South Bend dealer review by Chelsey Pennington

      Chelsey Pennington rated RightWay Auto Sales

      I highly recommend right way auto sales for anyone that needs a vehicle. I’m a mother of one with a child due in 3 weeks and we desperately needed a new car. Jessica Lewis greeted us with a warm welcome as soon as we walked in and did an amazing job putting us in a great reliable vehicle that was perfect for us to establish credit and for our growing family. Not only are we leaving with a great reliable car but at a great price and amazing warranty!

    8. buy here pay here South Bend dealer review by A M

      A M rated RightWay Auto Sales

      My family and I had a fantastic experience. Even though the price for the car was a little more than I wanted to spend, sometimes the EXPERIENCE is much better than shopping around for the perfect price. The level of experience, experties and ease with which these guys made our car buying experience was LITERALLY legendary. We had a blast, we got a VERY good value for our admittedly crappy old beater in trade, and the salesman Ron Christiana respected my comfort zones around price, mileage and other key features for our automobile selection. He also managed to stay close to the monthly price we asked for originally. How do you beat that!? We drove away with a practically untouched auto at under 30k with all the features a family of 3, soon to be 4 needed. I rarely like car buying experiences; this one took the cake AND ate it too. We're customers for life. Can't wait for our next opportunity to buy again! Do yourselves a favor and give these guys a call or stop in. It'll be worth it. And ask for Ron! He got me rolling like a Boss Dad. I'm too old to use words like 'whip' so I'll spare you all the cringe-worthy attempt at being cool. ?

    9. buy here pay here South Bend dealer review by Brew Skillz

      Brew Skillz rated Two Rivers Auto Sales Corp

      Car of my dreams for the best price??

    10. buy here pay here South Bend dealer review by Jose Olvera

      Jose Olvera rated Two Rivers Auto Sales Corp

      Great place to buy cars there legit business men and are always super helpful never had a problem with any of there vehicles or jobs they have done for me highly recommend

    11. buy here pay here South Bend dealer review by lee schmidt

      lee schmidt rated Concord Cars South Bend – 46637

      Just purchased a 2017 Jeep, Paul was a great salesman, him and his staff were very polite and I got a great deal

    12. buy here pay here South Bend dealer review by Drew Hill

      Drew Hill rated Concord Cars South Bend – 46637

      Great experience and awesome deals. It was refreshing and made buying a car feel easy and less scary. You were given all the information you needed with a wide selection. The representative was extremely nice and down to earth. I would recommend my family and friends there.

    13. buy here pay here South Bend dealer review by Vanessa Younkin

      Vanessa Younkin rated Affordable Auto Rental

      I have bought so many vehicles from affordable and so have my family. We couldn't be anymore pleased with the vehicles we have bought along with the friendly service . Karen & her crew have made it a awsome buying experience that u don't get just anywhere.

    14. buy here pay here South Bend dealer review by Barry Lee Hill

      Barry Lee Hill rated Affordable Auto Rental

      Great service,friendly people.

    15. buy here pay here South Bend dealer review by Savannah Smith

      Savannah Smith rated R&B Car Company South Bend

      Roger was awesome to work with! Despite him being in on his day off, he did everything he could to help me get the best deal. He also put up with my stupid sense of humor and was funny himself to boot. Thanks Roger!

    16. buy here pay here South Bend dealer review by Lps Butter scotch

      Lps Butter scotch rated R&B Car Company South Bend

      On February 15, 2018 I was searching for a new SUV and came across one on the website that I completely fell in love with. Even though I knew I did not have a down payment in hand or a vehicle worth even trading in, Two days later(2/17/18)I drove to South Bend to the R&B car company from Goshen to check out the SUV in person, never did I imagine that as soon as I stepped out of the vehicle I would be greeted with a hello how are you this afternoon!? At this point I wasn't even sure if this gentleman was a salesmen or another searching customer for a great, low mileage, reliable, vehicle that is affordable.. I have to brag a little bit on my salesman Andy Zellers! He is not only VERY polite, but he also made me feel comfortable, was not pushy at all, he listened to me and what I was interested in, what I knew I could and could not afford, and to add icing to the cake, Andy is unlike any other salesman I have ever interacted with, and I can honestly that he is probably the absolute best and most incredible salesman out there!! Andy worked his magic and made it ALL possible for me and I drove home in my new SUV that very same day!!! I WOULD MOST DEFINITELY RECOMMEND THE R&B CAR COMPANY TO ANYONE who is in the market for new vehicle that is dependable, affordable, stylish, and without pushy, all in your face breathing down your neck salesman who tries to put you into a vehicle that you not only aren't interested in, but that you both know you can't afford! ANDY ZELLERS IS THE MAN TO SEE!!! Andy Thank you so much for all that you did for me and you truly made me one very happy lady!!

    17. buy here pay here South Bend dealer review by gloomy Cx

      gloomy Cx rated Omari Auto Sales

      I bought a Ford Focus in 2018. Two years later, I still have the car. Runs perfectly fine. Never had any problems with the car. Very friendly staff. Jason is awesome, always a huge help with any question or concern. I Would definitely suggest Omari to anyone looking for a car.

    18. buy here pay here South Bend dealer review by Cody Frank

      Cody Frank rated Omari Auto Sales

      I have been very satisfied with my decision to purchase a car from Omari Auto Sales. The entire staff was friendly, attentive, and laid back. They worked with me to get the price where it needed to be for me and even fixed some things before I picked up the car. The lot is small but it had a lot of variety and better choices than I had seen at many local used car lots. This was my first time purchasing a car by myself and I don't think it could have gone better. I would definitely suggest Omari to a friend.

    19. buy here pay here South Bend dealer review by Jess Frost

      Jess Frost rated Byrider Mishawaka

      Shopping for a used car is scary and stressful. I wish I would have skipped the other buy here pay here dealers and came straight here! They were so nice and explained everything. It took about 3 hours total but you get a good vehicle and you know exactly what your paying for. They worked with my bad credit and low down payment to put me in a great SUV that I can afford. Family and I love our new ride! They really go the extra mile for there customers.

    20. buy here pay here South Bend dealer review by Bobbi Webb

      Bobbi Webb rated Byrider Mishawaka

      I brought my son here to get his first financed car. He had no credit and was looking to be able to start building credit. He was approved and got very reasonable bi-weekly payments even lower than we had anticipated. The whole process was very easy the guy that helped us I think his name was Kyle was great and very helpful and I really was impressed by this company and the salespeople so I wanted to give them a good review for making such a good impression on me and my son.

    21. buy here pay here South Bend dealer review by Farai Gotora

      Farai Gotora rated Davio’s Autos

      A very fair and honest dealership. I've bought cars twice from this dealership and they are upfront and honest. The service after the sale is also above and beyond. Highly recommend them if you're looking for a preowned vehicle without ridiculous prices and interest rates.

    22. buy here pay here South Bend dealer review by Katryna Williams

      Katryna Williams rated Davio’s Autos

      They are a great place to get a car from. If they don't have what u want on the lot just ask him. He will try to get what you want. Also doesn't charge interest on your car loan.

    23. buy here pay here South Bend dealer review by 40 Something

      40 Something rated RiteWay Auto

      If your in the market for a used vehicle this is my thoughts. Very Professional and Above Average Customer Service. Vehicle Price definitely Spot On, I highly recommend purchasing a vehicle from them.

    24. buy here pay here South Bend dealer review by Rob Pearson

      Rob Pearson rated RiteWay Auto

      Highly recommend you come visit these guys. Both Nathan and Jim made sure I was taken care of. No pressure and very easy to work with. They went out of their way to make sure I was taken care of. I was not in the market for a vehicle but my old reliable left me stranded. These guys helped me get into a new to me 2008 Ford F150. If you are looking for a used vehicle I recommend you stop in and talk these guys!!!

    25. buy here pay here South Bend dealer review by Chris Piper

      Chris Piper rated Quick Auto Mishawaka

      These guys are awesome! LITERALLY no one would approve me, and they got it done. I had a limited selection because of my limited down payment. They did what they do and found me an even better car for the same money basically. Car is great and so is this place! I highly recommend them.

    26. buy here pay here South Bend dealer review by Wesley Bode

      Wesley Bode rated Quick Auto Mishawaka

      They go above and beyond to make the customer feel comfortable, unlike other lots with pushy salesmen. Very helpful and informative. They seem to genuinely want to help their customers get into the car they want. I recommend to anyone in the marker for a car to give these guys a try. You won't be disappointed.

    27. buy here pay here South Bend dealer review by Quick Auto South Bend .

      Quick Auto South Bend . rated Quick Auto South Bend

      Welcome to Quick Auto! Quick Auto is now open in Fort Wayne! 1632 Ashley Ave, Fort Wayne, IN With Multiple locations to serve you, we can get you into the car of your dreams! When credit issues are preventing prospective car owners from getting behind the wheel of their very own vehicles, Quick Auto is here to help. 1000's of good people with special financial needs have benefited from our expertise to make auto ownership more available to more people across the Midwest. If you're a customer looking for automotive financing and/or a dealer to help, check our Quick Auto locations page, or check out our financing options. We're here to help. With over twenty-five years of experience, we are committed to your financial success when it comes to automobile ownership. Want to know more about Quick Auto? Visit our webpage and learn about who we are and what we do. Visit us in Hammond, Highland, Elkhart, South Bend, Fort Wayne, Portage, LaPorte, Michigan City or Mishawaka Today!

    28. buy here pay here South Bend dealer review by Traci Novitzke

      Traci Novitzke rated Quick Auto South Bend

      I have never had a better experience than I had today at quick auto! Mr. Tony Heckman was an excellent salesman and got us in our dream car in an hour!!! Thank you so much we will recommend you to everyone!!!!!?

    29. buy here pay here South Bend dealer review by Juan Mendoza

      Juan Mendoza rated Hot Wheels

      Very nice staff, good cars, and very good with negotiating.

    30. buy here pay here South Bend dealer review by Roberto Alcala

      Roberto Alcala rated Hot Wheels


    BHPH South Bend IN dealer

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