Top 19 Buy Here Pay Here Dealers in St. Louis MO

Looking for a used car dealer in St. Louis MO but your credit is in bad shape?

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

  • Midwest Autoplex, MO

  • Vogue Motor Company, MO

  • Michael Riggio Auto Sales, MO

  • Grow Automotive, MO

  • Allen III Motors, MO

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

  • Schicker Credit Center, MO

  • Bates Street Motors, MO

  • Nu Way Auto Sales, MO

  • STL AutoPlaza, MO

  • Kugman Motors, MO

  • Did you know? These BHPH St. Louis MO 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 St. Louis 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.

  • Best Buy Auto Sales, MO

  • DC Auto Sales Inc, MO

  • Concours Auto Sales, MO

  • Joe-K Used Cars, MO

  • Affordable Auto Credit Inc, MO

  • The phrase buy here pay here St. Louis MO 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. St. Louis 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.

  • Southside Auto Credit Llc., MO

  • Auto Buy Credit, MO

  • St Louis Auto Car Sales, MO

  • KAS Enterprises, LLC., MO

  • Why buy here pay here St. Louis MO 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 St. Louis MO 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 St. Louis MO 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 St. Louis MO Works

    When the bank says no to your car loan, the buy here pay here St. Louis MO 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 St. Louis MO 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 St. Louis MO 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 St. Louis MO Car lots Dealership

    The one thing is very true about buy here pay here St. Louis MO 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 St. Louis MO 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 St. Louis MO – Fast Approval Low or no credit score

    The buy here pay here St. Louis MO 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 St. Louis MO 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 St. Louis MO 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 St. Louis MO

    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 St. Louis MO

    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 St. Louis MO, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here St. Louis MO 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 St. Louis MO 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.

    St. Louis MO buy here pay here Reviews

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

    1. buy here pay here St. Louis dealer review by Kathleen Diemer

      Kathleen Diemer rated Midwest Autoplex

      Jeff was very informative, helpful and very honest during the purchase of my Jeep Wrangler. The prices are fair and no negotiation needed. Financing was a breeze and I got to take my Jeep home the same day! He even went the extra mile to help me get a full size spare to match the oversize tires! Definitely would recommend to friends and family- and would purchase from him again!

    2. buy here pay here St. Louis dealer review by Amanda McCarthy

      Amanda McCarthy rated Midwest Autoplex

      Jeff was incredibly helpful while I was searching for a new car. He made financing easy, and handed me the keys to my new car along with a bottle of wine he made himself. I’m a satisfied customer.

    3. buy here pay here St. Louis dealer review by Jay Meisenholder

      Jay Meisenholder rated Vogue Motor Company

      I just recently bought a car from Howard at Vogue Motor Company on Manchester Road. I am beyond happy with my purchase. I had excellent customer service from everyone that helped me in the process. Tyler helped me get financing and got me a great deal. He also was instrumental in getting me a bumper to bumper extended warranty! The guys on the lot were extremely knowledgeable, helpful and patient in helping me find the perfect car. I was so impressed with their outstanding honesty, integrity and the quality of their cars; I have nothing but the utmost respect for Vogue Motor Company. I thoroughly enjoyed my experience in every way. In the future I will only buy my cars from them. Thank you Vogue Motor Company for this wonderful experience!

    4. buy here pay here St. Louis dealer review by Willie Jones

      Willie Jones rated Vogue Motor Company

      I think the service is amazing. The quality of the vehicles is outstanding. I am truly pleased and will be returning when I want to purchase another vehicle. I give a big thank you to my dealer named justin. He helped me out a great deal. Thank you

    5. buy here pay here St. Louis dealer review by Adam Gremp

      Adam Gremp rated Michael Riggio Auto Sales

      I recently bought a used car from Mike from out of state. Communication with Mike was easy and he was extremely thorough with his description of the vehicle and did everything to make me confident with my purchase, including take it back to the highly rated local mechanic who had already taken care of the vehicle before I asked for a second check. Mike even picked me up from the airport and made this process absolutely seamless. Upon arrival, the vehicle was in even better condition than he described. Mike and Joe are great guys who will do what it takes to make their customers happy. Thanks again guys!

    6. buy here pay here St. Louis dealer review by Robert Palm

      Robert Palm rated Michael Riggio Auto Sales

      Awesome dealership, purchased a new work van and Joe was great. The best deal anywhere if your looking for a commercial vehicle to buy.

    7. buy here pay here St. Louis dealer review by Matthew Albers

      Matthew Albers rated Grow Automotive

      We got a great deal here. Great customer service! Very nice guys to work with and I would highly recommend them to anyone!

    8. buy here pay here St. Louis dealer review by Tricia Riordan

      Tricia Riordan rated Grow Automotive

      The mold has been broken!!! There are honest car salesman out there that truly want to see people get into great vehicles that meet their needs/requests/wants! I cannot in words express my appreciation to Dave and the guys at Grow for finding me the Jeep I had been looking for and more options that I even asked for!!! Happy Customer right here!!!!

    9. buy here pay here St. Louis dealer review by Hiedi Hi

      Hiedi Hi rated Allen III Motors

      2nd car... Professional Computer Savvy.. Will help connect with insurance companies.

    10. buy here pay here St. Louis dealer review by Devon Davis

      Devon Davis rated Allen III Motors

    11. buy here pay here St. Louis dealer review by Christopher Roth

      Christopher Roth rated Schicker Credit Center

      Ado is totally awesome as a salesperson. If you need a new vehicle, Ado is the man to talk to. we got an amazing deal on an immaculate used truck for us and the dealership really works to win our business

    12. buy here pay here St. Louis dealer review by Grace Pyle

      Grace Pyle rated Schicker Credit Center

      This was the first time we have ever bought a car "virtually" sight unseen! Ado was extremely helpful in getting us videos and answering questions etc. They even delivered it to our house! Highly recommend!!

    13. buy here pay here St. Louis dealer review by Chris Herbert

      Chris Herbert rated Bates Street Motors

      The place to buy a car low down payment low monthly payments.

    14. buy here pay here St. Louis dealer review by Samantha Overton

      Samantha Overton rated Bates Street Motors

      Sure did think that Scott was a pretty awesome personv5 stars

    15. buy here pay here St. Louis dealer review by George Mekhjian

      George Mekhjian rated Nu Way Auto Sales

      I bought multiple cars from there Perfect costumer service , honest

    16. buy here pay here St. Louis dealer review by Marcal Plans

      Marcal Plans rated Nu Way Auto Sales

      Excellent behaviour and really useful. This is the place to visit for good deals and professional consulting.

    17. buy here pay here St. Louis dealer review by Janaé Robinson

      Janaé Robinson rated STL AutoPlaza

      AJ, the owner was fantastic in regards to customer service. Bought my first car, a Jeep, from here back in September and it runs well! Definitely can tell he not only sell cars, but knows about them extensively which helped me with maintence & upkeep concerns. Definitely would recommend him, he works with your financial situation, too! Update - I have had my car for over a year now and am a beyond satisfied customer. AJ has supported me throughout the whole process of owning my first vehicle. Outstanding commitment to his customers. When he does work on my car, he works to give me the best price while also keeping in mind the quality of work - which is always done to a T. Buy a car from him and you will not regret it. He truly takes care of his customers and will build a working relationship with you for the benefit of your car!

    18. buy here pay here St. Louis dealer review by Airriyonna Smith

      Airriyonna Smith rated STL AutoPlaza

      This is a great car lot. I got approve instantly and had great service. Hard working associate that will help u get into a car soon as possible. I was even giving a FREE 30 day WARRANTY. They even help me get into the car I wanted . Thanks STL AUTO PLAZA.

    19. buy here pay here St. Louis dealer review by Bernadine Thomas

      Bernadine Thomas rated Kugman Motors

      Great service from all.Mr.Mark Kugman.is an Awesome Owner.No better place.Bought 4 cars from here.No problems.Would and have referred many.One stop shop.

    20. buy here pay here St. Louis dealer review by Montii X

      Montii X rated Kugman Motors

      Can tell you how simple and honset this place was I went in with a not so good credit score but some money to back that up. I told him what I was looking for and pulled off with a little bit more than I asked. I can't tell you how easy it was and fast it was to get approved and pull off the lot. No pressure and right to the point. Im very happy with my 2010 GMC Acadia.

    21. buy here pay here St. Louis dealer review by Angel marie

      Angel marie rated Best Buy Auto Sales

      This is a great place & great people. The owner out me back on the road. In a safe & reliable vehicle. Passed all test & runs so smooth.

    22. buy here pay here St. Louis dealer review by Kimberly Goins

      Kimberly Goins rated Best Buy Auto Sales

      The customer service is exceptional. The owners went above and beyond to help me find the perfect vehicle for my family. I could not have been happier. Will continue business with them in the future. I will refer them to everyone I know shopping for a new car.

    23. buy here pay here St. Louis dealer review by Jeff Gibson

      Jeff Gibson rated DC Auto Sales Inc

      Low down payments cheap payments really nice people I got a nice looking vehicle for a really good price I would recommend them

    24. buy here pay here St. Louis dealer review by Jodi Welsh

      Jodi Welsh rated DC Auto Sales Inc

      Great car buying experience! Saw a vehicle I was interested in as I was driving by, stopped in to test drive, and drove away in a new truck. They had both state inspections and temp tags ready to go for me. Low monthly payments and reasonable down payments. Will definitely be my first choice for my next new vehicle. Thanks DC Auto Sales!!

    25. buy here pay here St. Louis dealer review by Thaddeus Tucker

      Thaddeus Tucker rated Joe-K Used Cars

      Hello My name is Thaddeus Tucker, and I design websites and marketing campaigns. I would be more than happy to design a website or marketing campaign for your company. We can negotiate price later but please be back to me at your convenience. Thank You, and have a nice day Thaddeus Tucker Email: [email protected]

    26. buy here pay here St. Louis dealer review by Imagine That

      Imagine That rated Joe-K Used Cars

      Love them! They have mostly used cars but the ones I’ve bought were in the past were always reliable. They are flexible and patient! Highly recommended. Been a customer since OK used cars was around

    27. buy here pay here St. Louis dealer review by Kiki Smith

      Kiki Smith rated Affordable Auto Credit Inc

      My husband and I were able to save up enough cash to pay for a car with it and we were able to make a great deal and get a car we really love. I will update the review if anything turns sour later, but so far so good! Bought a 2007 Honda. Also, I was able to pay with my debit card instead of cash, for a small fee

    28. buy here pay here St. Louis dealer review by Keith Blasco

      Keith Blasco rated Affordable Auto Credit Inc

      Great place to get a car. Talk to Pete or Tony

    29. buy here pay here St. Louis dealer review by Emily  hall

      Emily hall rated Southside Auto Credit Llc.

      very reasonable prices. owner is nice and helped get me the car i wanted. they finance and let me pay every 2 weeks.

    30. buy here pay here St. Louis dealer review by Patricia Potter

      Patricia Potter rated Southside Auto Credit Llc.

      The staff and owner was very helpful prices are great they will work with your budget honest about their vehicles if you you need a reliable vehicle go too Southside auto credit thank y'all for for the blessing my little purple passion????

    31. buy here pay here St. Louis dealer review by Taylor Kennedy

      Taylor Kennedy rated Auto Buy Credit

      Their people friendly, always works with me if short on payment,and great staff

    32. buy here pay here St. Louis dealer review by Vincent Diuguid

      Vincent Diuguid rated Auto Buy Credit

      Brought a car from them it still going

    33. buy here pay here St. Louis dealer review by Tony Collector

      Tony Collector rated St Louis Auto Car Sales

      Good people doing good things for customers looking for their next vehicle purchase!

    34. buy here pay here St. Louis dealer review by Gwendolyn Jones-Townsend

      Gwendolyn Jones-Townsend rated St Louis Auto Car Sales

      Awesome customer service. Great employees who will not sell you just anything!

    BHPH St. Louis MO dealer

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