Top 18 Buy Here Pay Here Dealers in Spokane WA

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

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

  • Two Way Auto, WA

  • TTT Auto Sales, WA

  • Car Emporium, WA

  • Rick’s Kar Korner, WA

  • TK Auto Sales, WA

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

  • Truckland, WA

  • Sweat Shop, WA

  • Hardin Auto Sales, WA

  • Universal Sales & Service, WA

  • Valley Auto Liquidators, WA

  • Did you know? These BHPH Spokane 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 Spokane 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.

  • Automotive Specialties, WA

  • Arrotta’s Automax & RV, WA

  • ClickIt Auto & RV, WA

  • Independent Auto Sales, WA

  • Auto Credit Sales North, WA

  • The phrase buy here pay here Spokane WA 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. Spokane 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.

  • Globe Motors, WA

  • Car Mart, WA

  • TK Auto Sales, WA

  • Why buy here pay here Spokane 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 Spokane 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 Spokane 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 Spokane WA Works

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

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

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

    While buy here pay here Spokane 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 Spokane 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.

    Spokane WA buy here pay here Reviews

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

    1. buy here pay here Spokane dealer review by Gabe Cramer

      Gabe Cramer rated Two Way Auto

      Two Way Auto Sales has provided me with some of the best customer service around. They were very friendly and helped me with any questions I had. I found better deals here than at other local car lots. Ricky and Veronica are very helpful and will be more than willing to help you out!!

    2. buy here pay here Spokane dealer review by Stephanie Grabb

      Stephanie Grabb rated Two Way Auto

      Ricky and Veronica are great! Thank you guys for all your help and making this experience as smooth as possible! I definitely recommend 2 way auto sales to everyone! Great deals and even better people! Thank you! Also check out Veronicas thrift store coming soon! You won’t be disappointed! :)

    3. buy here pay here Spokane dealer review by Velvey Pribble

      Velvey Pribble rated TTT Auto Sales

      Fast and friendly service. Matt was easy to talk to and work with. We had a couple of cosmetic issues with the vehicle we bought and he fixed them before we drove off the lot. As we were filling out our paperwork people were coming in and out making payments and looking at vehicles and he did an amazing job multitasking by helping everyone out that came in. Hands down the best and fastest car buying experience we've ever had! I'd highly recommend going to see Matt!

    4. buy here pay here Spokane dealer review by Genesis Finley

      Genesis Finley rated TTT Auto Sales

      These guys! Paul and his crew were so kind, so helpful, and went way above and beyond to find the perfect safe solid car for my daughter's 18th birthday. He offered several options within our budget, then took the extra step to investigate and repair a few things before letting us leave the lot. The process was easy, the crew was friendly and patient with my daughter and made the whole experience a joy! Thanks guys!

    5. buy here pay here Spokane dealer review by Deb Smith

      Deb Smith rated Car Emporium

      The car I was looking for just happened to be on Car Emporium's lot, and the rest is history. I traded my vehicle in, and Bill worked the financing arrangements for me. Great deal on a beautiful, mechanically sound vehicle. Their customer service is true to what you'd expect at a Mom & Pop shop, but father & son in this case. Great, honest, hard working people!

    6. buy here pay here Spokane dealer review by Matt Pedroski

      Matt Pedroski rated Car Emporium

      The exact car i was looking for happened to be sitting on car emporium's lot. I was looking to finance with a little down. Bill and Gary worked with a few different credit lenders to get me the intrests rates i could work with. Very happy with the experience! Drove off the lot with the exact car i showed up for. The pre-sale maintenance on the car was awesome! New tires, breaks, shocks and struts on a 03' Corvette! Couldn't be happier! Thanks guys...

    7. buy here pay here Spokane dealer review by amy keech

      amy keech rated Rick’s Kar Korner

      I visited a couple of other (pushy and overpriced) dealerships and then came here. We found a 2016 jeep in great condition and traded in our car. Shelby was amazing she knew a ton of details of all the cars we inquired about. The atmosphere is not pushy at all, the buying process was easy (felt very honest and transparent) and I would definitely recommend checking out their cars!

    8. buy here pay here Spokane dealer review by Matthew Grieb

      Matthew Grieb rated Rick’s Kar Korner

      Friendly and fast service. They are very knowledgeable about their cars. Always willing to help.

    9. buy here pay here Spokane dealer review by Chris P

      Chris P rated TK Auto Sales

      We had a great experience. After two exhausting days of looking at other used car lots, you are by far the best! In and out in one hour! You all were patient, reasonable and friendly! Thank you

    10. buy here pay here Spokane dealer review by Alea gummybear

      Alea gummybear rated TK Auto Sales

      Great service! We worked with Danny, and he was super professional and helpful! He made things happen so quickly and efficiently. Recommend this dealer ship to all my friends and family!!

    11. buy here pay here Spokane dealer review by Jesse Bunney

      Jesse Bunney rated Truckland

      We have purchased 3 trucks total through Truckland. Dan was involved on the first two, and was a pleasure to work with, but Hector on the third truck was the reason we will always come back here. He not only went WAY above and beyond to find EXACTLY what we wanted, but he did it quickly, and kept us updated along the way. I must have driven him nuts with my 10billion texts and emails, but he was always happy to respond and get me the information I needed. Even after our purchase he contacted us to make sure we were still happy (WE ARE!!!) and he even went out of his way to contact a previous owner for the spare key. I can't recommend these guys enough, and we are thrilled with our truck!

    12. buy here pay here Spokane dealer review by Kevin Askan

      Kevin Askan rated Truckland

      We had a great buying experience! Purchased a 2009 Toyota Tacoma, was an easy atmosphere to buy a vehicle! Thank you Hector Mendoza and staff for all your help! We will shop here again!

    13. buy here pay here Spokane dealer review by Benjamin Field

      Benjamin Field rated Sweat Shop

      Great Honest Hard Working I had a very positive experience with this dealership, and will be coming back when its time with my next puschase. This was the easiest and best experience i have ever had buying a vehicle. Thank you for everything!

    14. buy here pay here Spokane dealer review by Gavin Hess

      Gavin Hess rated Sweat Shop

      Easy to work with Tommy, he treats customers right does his best to get customers the right car for there needs...

    15. buy here pay here Spokane dealer review by Stephanie Tinkey

      Stephanie Tinkey rated Hardin Auto Sales

      BEST CAR PURCHASE EXPERIENCE! We live in Georgia and purchased a car for our daughter who is an Airman in training in the Spokane, Washington area. Sam was our contact person at Hardin Auto Sales and their family owned business was absolutely the best to work with. Their website had up to date photos of the cars available. She personally knew all about each car I called about. When our daughter went to look at the cars Sam was so very helpful and informative. We purchased a car there and Sam and her staff were just outstanding to work with. The car has run so well and the price was very reasonable. I highly recommend this family owned and operated car business!

    16. buy here pay here Spokane dealer review by Kristy Clark

      Kristy Clark rated Hardin Auto Sales

      Super friendly and helpful! Not pushy and made us feel welcome. Highly recommend!!

    17. buy here pay here Spokane dealer review by Ralph Morais

      Ralph Morais rated Universal Sales & Service

      I want to thank my new friends at Universal Sales and Services for helping me to get into a new (used) van. They are very nice people who care about their customers, and who follow the high standards set by their father. I’m sure that I would do business with them again if the need arose.

    18. buy here pay here Spokane dealer review by Rod Russell

      Rod Russell rated Universal Sales & Service

      Owners Kerry and Michelle have been saving customers money on Mini Vans for years now. They know Mini Vans inside & out and have a huge selection to choose from. I know them to be me honest and reputable people to deal with.

    19. buy here pay here Spokane dealer review by Google User

      Google User rated Valley Auto Liquidators

      Paul was an amazing help to us! He was very open, honest and was very helpful to our requests! Also was extremely personable! He made it about us and our needs. There was no force or pressure! He was amazing, would come back to have help from him again! Great experience! Thank you

    20. buy here pay here Spokane dealer review by Mike Elmore

      Mike Elmore rated Valley Auto Liquidators

      These guys are smooth and laid back. No pressure and genuinely seemed interested in answering questions without the normal car guy answer's. I'd recommend checking them out.

    21. buy here pay here Spokane dealer review by Tara Halvorson

      Tara Halvorson rated Automotive Specialties

      I bought a truck from here a few months back and every time I've had a question the gentlemen here have been so helpful! Just today I called and talked to Calvin about my tailgate not unlocking. He had me come right in and fixed it no charge! He even scrounged a few extra screws to help make the liner on my tailgate more secure. I'm so happy that I chose to buy my truck from here! Highly recommend!!!

    22. buy here pay here Spokane dealer review by Kacey Walker

      Kacey Walker rated Automotive Specialties

      Ric is the best. He didn’t try to sway me to other cars I wasn’t interested in. He gave me a great value on my trade in vehicle, probably more than it’s worth just to help me out. Worked diligently with me to make the car fit my budget, which it originally kind of didn’t. I am very happy with my new car! It was fast, easy, and he was really helpful in getting me what I needed financially. Thanks so much ric!! -a happy girl in a new car!

    23. buy here pay here Spokane dealer review by Daniel Sanchez

      Daniel Sanchez rated Arrotta’s Automax & RV

      Friendly staff and reasonable! Finance guys really know their stuff and really try to get you into the rig that FITS YOU BEST! Totally recommend have even sent an acquaintance of mine already!

    24. buy here pay here Spokane dealer review by Joe Robinson

      Joe Robinson rated Arrotta’s Automax & RV

      Bought a Mustang 5.0 Was a awesome experience ? Curtis-Joe Thank you and rest of staff at Arrotta's we love our Mustang!

    25. buy here pay here Spokane dealer review by Miriam Rector

      Miriam Rector rated ClickIt Auto & RV

      Great people. Gave us a better deal than we thought we could get on our trade in. Thank you

    26. buy here pay here Spokane dealer review by MysticCrack

      MysticCrack rated ClickIt Auto & RV

      I have a coworker whose fiance works here and I reached out to start looking into a family vehicle; something nice with 3rd row seating capabilities. Even though I was unable to make it on-site to be serviced, I was helped via mobile so it worked out with my schedule; replying when I could reply. Even though I did not find interest in the immediate vehicles, multiple employees never forgot that I was looking! A 2014 Limited Edition Toyota 4Runner had just been traded in on-site and I was reached out to very quickly. I was immediately interested but was hitting financial issues. They worked with me on estimates that were very accurate, provided me with best and worst case scenarios, and had patience with me taking time to give them a straight answer (we were very indecisive). In the end, we purchased the 2014 Limited Edition Toyota 4Runner and the experience was quick, painless and even enjoyable.

    27. buy here pay here Spokane dealer review by Frank W Brown

      Frank W Brown rated Independent Auto Sales

      Best place to buy a used car or truck in spokane. Been buying from Aaron for years, would not buy anywhere else.

    28. buy here pay here Spokane dealer review by Charlotte Perkins

      Charlotte Perkins rated Independent Auto Sales

      Great place to get your next car. Great prices and Chace was wonderful to work with. Best experience I have had in years at a car dealer. Thanks for your help Chace.

    29. buy here pay here Spokane dealer review by J Machine

      J Machine rated Auto Credit Sales North

      Great experience. We initially went home with a vehicle that, after further inspection the following day (in the light of day) turned out to not be up to par with our expectations. They told us to bring the vehicle back and we ultimately went took a vehicle home that suited our needs perfectly! Igor was a great salesperson to deal with. He is the opposite of lazy! Very friendly, helpful and honest. Went above and beyond! Igor, you are a credit to the used car salesman profession! The manager, Kyle was very great to deal with and helped make our experience a good one. Adrian made sure our financing option was the best it could be. They made sure we were a happy customer definitely recommend anyone who needs a car to go there. Thanks so much guys, for making our experience a good one!!

    30. buy here pay here Spokane dealer review by Miss Marci Petersen

      Miss Marci Petersen rated Auto Credit Sales North

      I was greeted in a pleasant (not pushy) salesman. I had just had an negative experience at another auto store. I was talked to with experience and was able to purchase my car hassle free

    31. buy here pay here Spokane dealer review by tparbs

      tparbs rated Globe Motors

      LOVE our new Ford Explorer, on the right! Love the color! Ginger Ale Metallic. ?:D Our old girl is on the left. We just had the most relaxing, chill, and pleasant car-buying experience ever tonight at Globe Motors USA. Seriously--I didn't even know that was possible! We were there for only 2 hours, and it was just SO EASY. Brian, the owner, and Patrick, our sales guy, were both amazing. Super nice people--and NO pressure or gimmicks! :D

    32. buy here pay here Spokane dealer review by • laceirae •

      • laceirae • rated Globe Motors

      My husband and I stopped at Globe Motors to look at a Jeep they had listed on Craigslist. I was very leery when I saw the area of Sprague they were located on, being around a lot of the less desirable car lots I assumed they would be like the others in the area. Seeing the inside of their building, I knew my assumption was incorrect, their office was beautiful inside, extremely well kept and decorated for the season, which I absolutely loved! After just a quick test drive, we knew that it was the car for us. Tony assured us that it was a great vehicle with no known issues. After purchasing the Jeep, a thorough check from Firestone verified what Tony had said, it was a great car with no know issues. Our experience with Globe Motors was wonderful, and they got us on the road in our new vehicle quickly, just like we wanted. We would definitely recommend Globe Motors to friends and family!

    33. buy here pay here Spokane dealer review by Tim Buckingham

      Tim Buckingham rated Car Mart

      I have worked with Jim at Car Mart for years on a business level and he has always been very professional and he always has his customers best interest at heart. Very honest and reliable when looking out for his customers. I have recommended many clients to check out his lot.

    34. buy here pay here Spokane dealer review by Judy Oliver

      Judy Oliver rated Car Mart

      A great man the owns and works there everyday. Always friendly and helpful.

    35. buy here pay here Spokane dealer review by Christina Burns

      Christina Burns rated TK Auto Sales

      Will was amazing to work with. Super helpful pulling up a bunch of cars i might be interested in and helping me compare them. His honesty was great and he didn’t care what the price point was just that i was happy with my purchase. During the paperwork phase he was quick and got me to a great payment amount that i was looking for. He made sure my daughter was comfortable and we were taken care of at every point in the process. We have bought 3 cars with TK Auto in the past and highly recommend them.

    36. buy here pay here Spokane dealer review by Andreas Dirscherl

      Andreas Dirscherl rated TK Auto Sales

      Great cars at great prices. Ask for Andy when you get there. They specialize in financing for all types of credit. In house finding available without credit check with as low as 500 down

    BHPH Spokane WA dealer

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