Top 20 Buy Here Pay Here Dealers in Springfield IL

Looking for a used car dealer in Springfield IL but your credit is in bad shape?

Connect with top 20 buy here pay here Springfield IL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Springfield'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 Springfield IL

  • Clouse Motor Co, MO

  • Never Say No Auto, MO

  • Byrider Springfield, MO

  • Regal Car Sales & Credit, MO

  • Redline Motors LLC, MO

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

  • Car-Mart of Springfield South, MO

  • Affordable Autos, MO

  • Cars 4 U Springfield Missouri, MO

  • Queen City Motors, MO

  • Auto By Rent – South Springfield, MO

  • Did you know? These BHPH Springfield IL 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 Springfield 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.

  • McCoy Auto Group, MO

  • Corwin CDJR FIAT, MO

  • Metro Motors, MO

  • White Motor Company, MO

  • CarHop Auto Sales & Finance, MO

  • The phrase buy here pay here Springfield IL 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. Springfield 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.

  • Auto by Rent – West Springfield, MO

  • Car Country Motors, MO

  • Car-Mart of Springfield North, MO

  • Auto by Rent North, MO

  • Best Buy Here Pay Here, MO

  • Why buy here pay here Springfield IL 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 Springfield IL 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 Springfield IL 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 Springfield IL Works

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

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

    The buy here pay here Springfield IL 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 Springfield IL 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 Springfield IL 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 Springfield IL

    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 Springfield IL

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

    While buy here pay here Springfield IL 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 Springfield IL 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.

    Springfield IL buy here pay here Reviews

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

    1. buy here pay here Springfield dealer review by Robert Kazanski

      Robert Kazanski rated Clouse Motor Co

      Clouse made our car buying experience easy. Got a good car at a fair price with no hidden fees. Entire staff was competent and had everything ready to go. Will definitely be back when we need another vehicle.

    2. buy here pay here Springfield dealer review by Joe Sweeney-Legore

      Joe Sweeney-Legore rated Clouse Motor Co

      I didn't buy a car but I recommend them. Super nice people

    3. buy here pay here Springfield dealer review by Carol Dion

      Carol Dion rated Never Say No Auto

      Brad met us at the door and was very courteous and friendly. We were given the option to go look at cars or get a print out of the monthly amount range we were looking for, which gave us a sense of freedom. Our credit at this time is not the best and we were able to get a 2019 SUV within our budget. Our overall experience was great at the Springfield location and we would definitely recommend Never Say No Auto.

    4. buy here pay here Springfield dealer review by kyle miller

      kyle miller rated Never Say No Auto

      Great service VERY friendly staff NOT pushy wish I could give them a 10\10

    5. buy here pay here Springfield dealer review by Maria Foltz

      Maria Foltz rated Byrider Springfield

      This has been the most wonderful experience I've ever had while buying a vehicle. They have worked with me to get me into a car, even with my not so good credit. My salesman was Jack Savage and he is a very positive person and went the extra mile to make me feel comfortable through this process. I will definitely be coming back here to purchase any future vehicles. They have a lot of nice cars on their lot to choose from that are clean and newer models with low mileage. Thanks to everyone here at JDByrider for making this a good experience for me. Especially Jack.

    6. buy here pay here Springfield dealer review by Myria

      Myria rated Byrider Springfield

      We only put $200 down on a car and we love it lots of trunk space and friendly service if you need a car and don't have a lot of money this would be perfect for you.

    7. buy here pay here Springfield dealer review by briannamlara

      briannamlara rated Regal Car Sales & Credit

      We were getting ready to buy a new car and we’re shopping around to different places, in the end we opted to go with Regal because they cared! They’re customer service is beyond amazing and they were quick when it came to making sure all the paperwork was done. It almost felt like we were in and out. Thank you for making the tedious task of buying a new car so fun and worth while! See Taylor or Jesse at Regal to get an awesome deal and awesome service!

    8. buy here pay here Springfield dealer review by Ell A May Absher

      Ell A May Absher rated Regal Car Sales & Credit

      Candace, Stephanie, and Jessie totally made me feel comfortable buying my first car in nearly 10 years. They made sure all of my questions were addressed and didn't make me feel like I HAD to buy a car today. I would/will reccomend Regal to everyone.

    9. buy here pay here Springfield dealer review by Michael Richardson

      Michael Richardson rated Redline Motors LLC

      I just bought a car from Anthony at Redline. It was a great buying experience. Anthony was super helpful, sending extra pictures and answering all of my questions. He was honest and didn't bring any of the typical "used-car-salesman" pressure. I highly recommend Redline Motors.

    10. buy here pay here Springfield dealer review by Lucas Williams

      Lucas Williams rated Redline Motors LLC

      Just purchased an auto from RedLine! Great customer service, outstanding vehicles and they will definitely work with you to find the perfect auto/deal. Highly recommend.

    11. buy here pay here Springfield dealer review by Todd Trammell

      Todd Trammell rated Car-Mart of Springfield South

      Just bought my second truck from here. Gary did an amazing job all around both times. Jamie did amazingly as well, especially it being her first time doing the full paperwork for a sale. Everybody that works here always has a great attitude when I come around.

    12. buy here pay here Springfield dealer review by David J

      David J rated Car-Mart of Springfield South

      Gary got me in the car I've honestly been looking at since my teenage years. You know those ones cars everytime you played need for speed that was the one car you always looked forward to. Ya well I got the one I've always looked forward to. I couldn't be happier

    13. buy here pay here Springfield dealer review by Matthew Overcast

      Matthew Overcast rated Affordable Autos

      Great hometown used car dealership. We bought ourselves a van from here about 6 months ago. The process was easy and the owners and salesman took care of us like family. Affordable Autos is the only place we will buy a used car in Springfield from here on out! Stop by and see them.

    14. buy here pay here Springfield dealer review by Cierra Galyon

      Cierra Galyon rated Affordable Autos

      I turn 30 this year and I wanted to drive something new and “grown up”. I had drove my last car for 8 years... it was time for a new car. We had been searching for a little while and just never found the right one. The moment we found affordable auto we knew we were in the right place. Everyone we met was super nice until John. John is the most relatable and real person we have ever dealt with at a car dealership. John worked extremely hard to get me in my dream car for under my budget. We are proud of our new car and happy with a new friendship!

    15. buy here pay here Springfield dealer review by Jamie Shoemaker

      Jamie Shoemaker rated Cars 4 U Springfield Missouri

      I bought my current vehicle here about 8 years ago and I still love it just as much today as I did then. It was a quick and painless process and it was even delivered to my work the day I bought it. The staff is awesome. Tarra and her husband are great. I’ve had some minor things I needed help with when I was a single lady and they both jumped right to it to make sure the car was back in business in no time flat! Highly recommend them and cars 4 u!

    16. buy here pay here Springfield dealer review by Carla jin Peters

      Carla jin Peters rated Cars 4 U Springfield Missouri

      Kendall & Tara- They are a fantastic Staff at Cars4U who sincerely takes good care of their customers. They've sold me 2 vehicles: Pontiac Bonneville and Chevrolet Malibu, ever since year 2015 (5 years). I do appreciate their professional & friendly Customer Service and still a current customer. I highly recommend Cars4U! Thanks! to Kendall & Tara! :)

    17. buy here pay here Springfield dealer review by Jon Gilbert

      Jon Gilbert rated Queen City Motors

      These people are wonderful. They truly care for their customers...even well after the sale. Bought our car here and one for our daughter, and have had to return a few times for this, that, or the other. Every time we've been treated as though we've known them for years. We're in the market for another car in the next six months or so, and we wouldn't think of going anywhere else!

    18. buy here pay here Springfield dealer review by Jason F

      Jason F rated Queen City Motors

      I’ve purchased several cars from Chris and I’m not ever going anywhere else. No games. No gimmicks. Had my windows tinted and wheels coated in a couple of days. Paperwork all ready to sign when I picked it up. Out the door in minutes! Prices as good as anywhere else with a much better relationship.

    19. buy here pay here Springfield dealer review by Sandra Hodge

      Sandra Hodge rated Auto By Rent – South Springfield

      Everyone has been amazing through this whole process. I've never leased a car before and they have helped and talked me through the whole process. Amazing company and amazing people!!! I definitely recommend.

    20. buy here pay here Springfield dealer review by Savannah B

      Savannah B rated Auto By Rent – South Springfield

      Steve at the south glenstone location/nature center way, was great!!! He explained everything in detail to make sure I was completely comfortable with the sale. He gave me so many options to help me get into a new car. I would definitely recommend going to see him!!

    21. buy here pay here Springfield dealer review by Jennifer Lay

      Jennifer Lay rated McCoy Auto Group

      I have purchased two vehicles from them. Very happy with both vehicles. Good people!

    22. buy here pay here Springfield dealer review by Ra'Mon Stiles

      Ra'Mon Stiles rated McCoy Auto Group

      Great People, Great Place Great Business....bought a great car!!

    23. buy here pay here Springfield dealer review by Angela Houtz

      Angela Houtz rated Corwin CDJR FIAT

      I don't have amazing credit. I have six kids and a husband, so I needed a vehicle large enough to fit us all. I wanted something nice and safe. GREG BRIGHT was the best. He heard my needs before we talked about anything else, and he applied exactly what I needed to helping me find the perfect car. The whole process was fast, pleasant, and now I have a Chevy Tahoe that leaves me making excuses to go drive anywhere. I LOVE IT. Thank you, Greg for doing an excellent job and being a genuinely kind man.

    24. buy here pay here Springfield dealer review by Linda Newlan

      Linda Newlan rated Corwin CDJR FIAT

      Bought my very first brand new car today and I couldn't be happier with the entire process!!! Kyle was so fun to work with and helped us through every single detail!! The entire staff was incredibly nice and just real people. I would give more stars if possible

    25. buy here pay here Springfield dealer review by Shannon Scrivnar

      Shannon Scrivnar rated Metro Motors

      My wife and I have recently purchased a GeoPro G19BH from Metro Motors. Everyone we have worked with has been knowledgeable, courteous, and very informative! They have gone above and beyond in many ways to work with us to complete the purchase process! We both highly recommend the dealership!

    26. buy here pay here Springfield dealer review by Wayne Sturgeon

      Wayne Sturgeon rated Metro Motors

      Traded there 3 Times on Rv's. Always fair, no pressure, and they always took care of me after the sale.

    27. buy here pay here Springfield dealer review by Jamie  Witherspoon

      Jamie Witherspoon rated White Motor Company

      Omg i love my car. Frank put me in what i wanted. Fast and easy most of it was done over the phone

    28. buy here pay here Springfield dealer review by donna bass

      donna bass rated White Motor Company

      White motor is the Best ,they were so helpfull ,and my granddaughter has a wonderful car ,they went above and beyond ,Russel and Dianne are the best ,thank you both so much

    29. buy here pay here Springfield dealer review by Kody Hinds

      Kody Hinds rated CarHop Auto Sales & Finance

      The staff was amazing, 2 people juggled between multiple (6-8 in store plus phone calls) customers timely and flawlessly all while staying good mannered and fun. They went above and beyond what I had expected to get me driving a vehicle and always made sure I knew what point in the process we were, while managing the other customers and keeping them up to date. Vehicle is amazing, super clean, priced well, and the financing is affordable. Thank you ladies for being amazing at your job and amazing people, definitely recommend above all other options if you're looking to finance

    30. buy here pay here Springfield dealer review by Maggie Burbridge

      Maggie Burbridge rated CarHop Auto Sales & Finance

      Great cars with great prices. Easy to get approved

    31. buy here pay here Springfield dealer review by Truck 1690

      Truck 1690 rated Auto by Rent – West Springfield

      Bought a minivan from the West side sales. The process was fast and easy. Both the guys were straight forward and didn't waste my time. Took it for a test drive and missed the CV joint ticking but here we are a week later and they are getting it into the shop to get repaired. They stand by their 30 power train garauntee and I'm glad I stopped in.

    32. buy here pay here Springfield dealer review by Jennifer Highfill

      Jennifer Highfill rated Auto by Rent – West Springfield

      Highly recommend auto by rent!!!! Went to the west side lot!! Sales man was amazing couldn’t of ask for a better experience!!!!! Besides having a great sales man he did amazing job finding the best car for me and my family!!!

    33. buy here pay here Springfield dealer review by Lesha Maples

      Lesha Maples rated Car Country Motors

      Great atmosphere! The employees are kind and friendly and help as much as they can! Would highly recommend coming here if you have little to no credit and need a vehicle! Definitely worth it!

    34. buy here pay here Springfield dealer review by Car Country Motors

      Car Country Motors rated Car Country Motors

      Buy Here Pay Here in Springfield, MO. Quality Used Cars, Trucks, Vans, & SUV's. Auto Financing, GET APPROVED TODAY!!

    35. buy here pay here Springfield dealer review by Lindsey Noel

      Lindsey Noel rated Car-Mart of Springfield North

      This an absolutely amazing car dealership to buy from. They are fast and efficient always taking care and pride in what they do. After buying there were some serious health issues that I went through and they worked with me through the whole step of the way. I wouldn't be where I am without them being so kind and caring.

    36. buy here pay here Springfield dealer review by Melissa Lower

      Melissa Lower rated Car-Mart of Springfield North

      Great experience all around! Huge thanks to Andrew for helping me get into the truck I have been looking for! I highly recommend this dealership!

    37. buy here pay here Springfield dealer review by Joy Rist

      Joy Rist rated Auto by Rent North

      I recently leased a car from Auto By Rent. This is actually the second vehicle I have gotten from them. The first was a great experience. It is a good place to get a good vehicle when you have poor credit and other issues. The selection isn't huge but they have decent vehicles. This time around, things have changed a little. The down payments required were much higher and some of the process changed. I had a couple things that needed taken care of and I had to take it back in for that. They took care of it quickly and I got it back quickly. Overall, I was pleased with the service. My salesman, Lane, did a great job. He knew what he was doing and he did it with a smile. The program is great, the office staff are awesome, and they have helped me out when other dealerships couldn't offer me what I needed. If you find yourself in a tough spot and need a decent vehicle ASAP, I recommend you give Auto By Rent a call.

    38. buy here pay here Springfield dealer review by Sherrie Schnapp

      Sherrie Schnapp rated Auto by Rent North

      Levi and Lane were awesome. Really great variety of vehicles to consider. NO high pressure sales. I was happy with my selection. PS Levi is a Marine veteran.

    39. buy here pay here Springfield dealer review by Tanecia Volkmar

      Tanecia Volkmar rated Best Buy Here Pay Here

      Bought me a car today!! Heather is an awesome person and very nice to talk to. She will make you feel very comfortable around her. It's a relaxing experience!!

    40. buy here pay here Springfield dealer review by Tony Ellison

      Tony Ellison rated Best Buy Here Pay Here

      Cannot say enough good things about Heather and all the help she was!!! Super nice and upfront. Worked through a small hold up and got financed!! Highly recommend this place

    BHPH Springfield IL dealer

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