Top 19 Buy Here Pay Here Dealers in South Dakota SD

Looking for a used car dealer in South Dakota SD but your credit is in bad shape?

Connect with top 19 buy here pay here South Dakota SD car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of South Dakota'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 Dakota SD

  • Auto Net Auto Service And Auto Sales, SD

  • AutoMaxx of Aberdeen, SD

  • Team Auto Sales, SD

  • Wheel City Auto Finance Centers, SD

  • Black Hills Auto Sales, SD

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

  • CarHop Auto Sales & Finance, SD

  • Cars R Us, SD

  • Big City Motors, SD

  • Kuehn Auto Sales Inc, NE

  • Dakota Cars and Credit, SD

  • Did you know? These BHPH South Dakota SD 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 Dakota 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.

  • Imperial Group, SD

  • Anytime Auto Sales, Service & Detail, SD

  • Midwest Automotive, SD

  • Law Motors, SD

  • Cheap Cars of Sioux Falls, SD

  • The phrase buy here pay here South Dakota SD 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 Dakota 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.

  • J & R Auto Sales, SD

  • Starlite Motors, SD

  • T & L Auto Sales, SD

  • 2nd Chance Auto, SD

  • Why buy here pay here South Dakota 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 South Dakota 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 South Dakota 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 South Dakota SD Works

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

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

    The buy here pay here South Dakota 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 South Dakota 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 South Dakota 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 South Dakota 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 South Dakota 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 South Dakota SD, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here South Dakota 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 South Dakota 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.

    South Dakota SD buy here pay here Reviews

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

    1. buy here pay here South Dakota dealer review by Donald Ferguson

      Donald Ferguson rated Auto Net Auto Service And Auto Sales

      Really enjoyable. Down to earth up front and honest. That quality is a very difficult thing to find these days. But he is old school. And us a respectful honest hard-working man.

    2. buy here pay here South Dakota dealer review by Kristie Nord

      Kristie Nord rated Auto Net Auto Service And Auto Sales

      Friendly, knowledgeable staff that offered great service for a reasonable cost. Will definitely go back for maintenance and repairs if needed too:)

    3. buy here pay here South Dakota dealer review by Alisha seidschlaw

      Alisha seidschlaw rated AutoMaxx of Aberdeen

      I had a great experiance from beginning to end at AutoMaxx. When I walked in the place is spotless, the staff was all super friendly, and they made sure I was helped and comfortable during my entire visit. These guys and gal were not pushy they let me look around and test drive vehicles and take my time deciding what vehicle was right for me & also made sure. I left happy. I will definitely be going back in the future and I strongly recommend them if you want a stress free buying experiance. When they say they'll treat you like family, they're not joking. MARTY WAS AMAZING!

    4. buy here pay here South Dakota dealer review by Shirley Luce

      Shirley Luce rated AutoMaxx of Aberdeen

      From the time we got out to look at a car, Jarad was there to greet us. We never felt pushed at anytime. He was great getting us the best deal he could. The staff was so welcoming and friendly we actually look forward to stopping out there again. I would highly recommend Auto Max to everyone. Thank you for the great vehicle and service.

    5. buy here pay here South Dakota dealer review by Matthew Plooster

      Matthew Plooster rated Team Auto Sales

      The people here never make you feel like you’re just another sale, they make you feel like a valued customer. They will gladly go out of their way and make an effort to make sure you are taken of. I never write reviews, but I can not thank Team Auto Sales enough for their commitment to making sure that their customers come first. Would recommend to anyone without a doubt.

    6. buy here pay here South Dakota dealer review by Kevin Quick

      Kevin Quick rated Team Auto Sales

      Great people to buy car from.

    7. buy here pay here South Dakota dealer review by Amanda  Timoney

      Amanda Timoney rated Wheel City Auto Finance Centers

      the best auto dealership iv'e ever dealt with! this is my second car from them. the customer service is outstanding. i had the pleasure of working with Sara and she was so helpful and kind, she wanted to know what worked best for me which is something no one has ever done before and that meant a lot. all the staff is so great! i would absolutely recommend this place to everyone! very small down payment too! so helpful! this place is awesome!

    8. buy here pay here South Dakota dealer review by LSBCRP 1Adam13

      LSBCRP 1Adam13 rated Wheel City Auto Finance Centers

      My roommate just got his new car from here the sales rep Brian was awesome friendly and made sure to find a car my roommate really liked

    9. buy here pay here South Dakota dealer review by Desiree Moyer

      Desiree Moyer rated Black Hills Auto Sales

      Love, love this dealership!! Friendly faces, great selection, and easy to work with:) I found a car I liked on their website. I drove to Rapid...I live 50 miles away. Fell in love with the vehicle. They worked with me, as I needed to transfer money from one acct to another. It was going to take a few days to do so. They saved the car until my funds were available! The salesman, Tony, was outstanding, I couldn't have asked for a better experience. Thank you, and I will be back???

    10. buy here pay here South Dakota dealer review by Matthew Lee

      Matthew Lee rated Black Hills Auto Sales

      Awesome service and very friendly. Did not feel any pressure into buying a car unlike some other dealerships. Happy with our purchase. Thanks!

    11. buy here pay here South Dakota dealer review by Lyndsey Mcknight

      Lyndsey Mcknight rated CarHop Auto Sales & Finance

      This is my 2nd car with car hop. I love that I can trade up every couple years with good payment history. The customer service is great. Seth is always great. I've dealt with him both times. All the guys here are pretty cool and they're always helpful.

    12. buy here pay here South Dakota dealer review by J Reyes

      J Reyes rated CarHop Auto Sales & Finance

      Harley went above and beyond to get us into a vehicle the process was fast and easy and he explained it all so there where no grey areas we didn’t miss great for me to rebuild my credit and got us into a great car with a great warranty.

    13. buy here pay here South Dakota dealer review by Trisha Paxson

      Trisha Paxson rated Cars R Us

      I am really happy I bought a car here, they gave me a good deal for a car, they took good care of it and gave me a chance even though my credit is not the greatest and they are very friendly. If your looking for a good used car and your credit may not be the greatest or have no one to be a co-signer then you should at least stop by and check it out. I am really blessed that I was able to get a steal of a deal here.

    14. buy here pay here South Dakota dealer review by Chloe Coy

      Chloe Coy rated Cars R Us

      Purchased a 2007 Saturn from Cars R Us August 2nd and was very impressed with how honest and helpful the staff was! This dealership is one of the few that will try and keep things straight with you if there are any problems on a car! If your looking for a used vehicle but nervous on the hidden damages or concerns shop at Cars R Us they will tell it to you straight. Almost forgot to mention the great deal we got on our car too!

    15. buy here pay here South Dakota dealer review by Bill Schmeling

      Bill Schmeling rated Big City Motors

      Great staff, friendly and helpful. Got a great car at a great price. Who could ask for anything more?

    16. buy here pay here South Dakota dealer review by Mike Dang

      Mike Dang rated Big City Motors

      Had a remarkable experience working with BJ to get me hooked up with a new vehicle. He's a no-nonsense kind of guy and was perfect in streamlining the purchasing process. It was also pretty funny to watch the tank squeeze into the compact sedan I was test driving & later purchased - sorry BJ :). Thanks for the car buddy.

    17. buy here pay here South Dakota dealer review by Jason Johnson

      Jason Johnson rated Kuehn Auto Sales Inc

      Ive bought my last 4 vehicles from Dan. Great place to go. Great quality vehicles for the price. Best used car lot in the tristate region.

    18. buy here pay here South Dakota dealer review by Dan Kuehn

      Dan Kuehn rated Kuehn Auto Sales Inc

      Amazing Staff and vehicles!!!

    19. buy here pay here South Dakota dealer review by Danielle Johnson

      Danielle Johnson rated Dakota Cars and Credit

      Just traded and purchased my 2nd vehicle from them!. So easy to work with. Both times have been easier than can believe. Thank you guys for everything!! I would recommend purchasing any of their vehicles they are family owned and will definitely treat you right!

    20. buy here pay here South Dakota dealer review by Robert Conklin

      Robert Conklin rated Dakota Cars and Credit

      Very good to deal with. They are upfront and honest. Dave is excellent.

    21. buy here pay here South Dakota dealer review by Family Email

      Family Email rated Imperial Group

      These guys have been great to work with. Between myself and family members, I have been involved in several purchases from them and they want to finance you when most places charge ridiculous interest rates when your credit isn't great. They explain the process clearly without talking down to you if you've never financed before. This is also a great place to find cheap, cash cars without the hassles that come with private sellers on Craigslist. Would recommend to anyone needing the chance to get some wheels

    22. buy here pay here South Dakota dealer review by Mark

      Mark rated Imperial Group

      Good people to do business with. Trustworthy and honest.

    23. buy here pay here South Dakota dealer review by Angela Yager

      Angela Yager rated Anytime Auto Sales, Service & Detail

      I showed up late afternoon on a Saturday right before closing time with a towed, broken down car. They were ready to help and very informative. They provided me with rental car and dealership information.

    24. buy here pay here South Dakota dealer review by Hillary Eifert

      Hillary Eifert rated Anytime Auto Sales, Service & Detail

      The time and energy they put in to cleaning my car was beyond my expectations. I have had 5 different dogs in my car and after they were done I couldn't find one hair. My car was bought used and it is cleaner now then when we took it off the lot. Thank you!

    25. buy here pay here South Dakota dealer review by Anthony Bissell

      Anthony Bissell rated Midwest Automotive

      A dealer who offers buy here pay with 0% financing cant beat that. Very helpful, enjoyable environment. Fast an convenient , very affordable!

    26. buy here pay here South Dakota dealer review by kati rose

      kati rose rated Midwest Automotive

      Great place to buy a new or used car! If you don't see what you like they will be happy to find your dream car for you! all your car needs in one place; repairs, tint, detailing this list goes on! I just bought a Cadillac from them, they fixed my wheel barring and ball joints plus detailed it and now going for upholstery fix!!!

    27. buy here pay here South Dakota dealer review by Laura Dunlap

      Laura Dunlap rated Law Motors

      Tyler is incredible efficient courteous knowledgeable, I sent him and message with the exact things I wanted and wouldn't do . As we are in a world pandemic he sanitized the vehicle left the info in car, I test drove he had all paperwork done before my test drive as I had expressed I would be purchasing so it was ready when I arrived back..painless easy and most of all I bought this with a local credit union that I will be using instead of my bank of 12yrs.. I BOUGHT THIS MYSELF, may not seem like alot to others but this was a MILESTONE for me and he helped with it and made me feel as though I needed no one with a question.. So for this thank you!!!

    28. buy here pay here South Dakota dealer review by Mark Morrison

      Mark Morrison rated Law Motors

      Great cars, great people!

    29. buy here pay here South Dakota dealer review by Katrina Cordell

      Katrina Cordell rated Cheap Cars of Sioux Falls

      I bought my 2011 Dodge Journey from them in February of 2018 and I had the most wonderful experience here. Both the guys we talked to were so personable and they stayed open a little bit past closing time for me to get the car checked by my mechanic. When we decided on buying the car it was super quick and easy to finalize everything and they were very thoughtful when I asked for extra information and some cost off of the car because it needed tires. Great experience with this place and would highly recommend!

    30. buy here pay here South Dakota dealer review by Minji Cho

      Minji Cho rated Cheap Cars of Sioux Falls

      I sold my car to them yesterday. The dealer was amazing and he gave me a very good price on the car. I would definitely recommend them to my friends.

    31. buy here pay here South Dakota dealer review by Stephen Davis

      Stephen Davis rated J & R Auto Sales

      Friendly staff, no pressure, willing to help the car buyer. Will definitely return. Easy to conduct business in a fast and professional manner. Brian and Peyton were extremely pleasant.

    32. buy here pay here South Dakota dealer review by Matt Manes

      Matt Manes rated J & R Auto Sales

      We had a great experience with all of the staff in the Sycamore store! They weren’t pushy at all, and gave us an amazing deal on our trade! Hoping to shop there again for our next car.

    33. buy here pay here South Dakota dealer review by Tony Martinez

      Tony Martinez rated Starlite Motors

      Great deals on higher mileage cars, SUV'S and trucks. Warranties available.

    34. buy here pay here South Dakota dealer review by Steven Kongi

      Steven Kongi rated Starlite Motors

    35. buy here pay here South Dakota dealer review by Raquel Leeper

      Raquel Leeper rated T & L Auto Sales

      We are so impressed with T and L Auto!! We bought a pick up just over a month ago for them. Gus was great to work with. It’s been awhile since we’ve bought a used vehicle and he treated us with the utmost respect - almost like family!! We will be coming back when we’re ready to update another vehicle! Thank you guys!

    36. buy here pay here South Dakota dealer review by Amada Gongora

      Amada Gongora rated T & L Auto Sales

      Very interesting Car lot Who is the owner ?

    37. buy here pay here South Dakota dealer review by Lilly Ranye Johnson

      Lilly Ranye Johnson rated 2nd Chance Auto

      Just bought my first car all on my own! So EXCITED! The staff at Second Chance Auto were really helpful and wanted to make sure I was happy with my car. Not once did I get the feeling that they didn't care about me or the cars they are selling. Got a great car for a great price! Couldn't be happier!

    BHPH South Dakota SD dealer

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