Top 17 Buy Here Pay Here Dealers in St. Petersburg FL

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

Connect with top 17 buy here pay here St. Petersburg FL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of St. Petersburg'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. Petersburg FL

  • ZenaCars, FL

  • Kathy’s Kars, FL

  • Sunshine Auto, FL

  • Creel Motors Tampa Bay, FL

  • Rob Partelo’s Winner’s Circle Inc., FL

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

  • Pete’s Cut Rate Auto Sales Inc, FL

  • Pinellas Motors Inc, FL


  • Ted’s Auto Sales, FL

  • Mostly Mopars, FL

  • Did you know? These BHPH St. Petersburg FL 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. Petersburg 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.

  • Value First Auto Sales LLC., FL

  • Alens used cars llc, FL


  • Superior Auto Mall, FL

  • Bond Auto Sales, FL

  • The phrase buy here pay here St. Petersburg FL 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. Petersburg 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.

  • Pinellas Auto Brokers, FL

  • Pinellas auto, FL

  • Why buy here pay here St. Petersburg FL 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. Petersburg FL 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. Petersburg FL 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. Petersburg FL Works

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

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

    The buy here pay here St. Petersburg FL 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. Petersburg FL 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. Petersburg FL 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. Petersburg FL

    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. Petersburg FL

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

    While buy here pay here St. Petersburg FL 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. Petersburg FL 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. Petersburg FL buy here pay here Reviews

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

    1. buy here pay here St. Petersburg dealer review by Jake Loehner

      Jake Loehner rated ZenaCars

      I got a great deal on 2008 Ford Expedition. Zena Auto made financing very easy. IveI had my truck for a year now, and I am very happy with the performance.

    2. buy here pay here St. Petersburg dealer review by tje1966 .

      tje1966 . rated ZenaCars

      I had an excellent experience with Zenacars. I got probably the best deal on a Honda Element anywhere in the state! Jamie was very fair and honest, and great to deal with, Highly recommended. 5 Stars all the way!!

    3. buy here pay here St. Petersburg dealer review by Marlo Scott

      Marlo Scott rated Kathy’s Kars

      I bought a very nice pickup truck from Kathy's cars and from the 1st call into the oil changes and service after purchase I've never been more satisfied.

    4. buy here pay here St. Petersburg dealer review by T M

      T M rated Kathy’s Kars

      Awesome family owned used car dealership! Restored my faith that had deteriorated while trying to locate a decent Miata in the area. We were able to agree upon a price that worked for us both. Although the car required a bit of work, now that I have changed some regular maintenance components it runs and handles great! Has normal wear and tear for a 16 year old roadster, however the interior is near perfect. Great low pressure dealership, go here if you would like a relaxing experience in selecting a used car.

    5. buy here pay here St. Petersburg dealer review by Heidi Herholz

      Heidi Herholz rated Sunshine Auto

      Mark, Jon, the finance guy every one here is so nice and respectful..they really help u get into what u want and dont try and talk you out of it. I def will be back and I recommend them to anyone...thanks so much guys for making my dream come true and not breaking the bank

    6. buy here pay here St. Petersburg dealer review by Yannick Taviere

      Yannick Taviere rated Sunshine Auto

      Really friendly!!!! Showed interest other than other car lots that try to end the conversation Less than a minute. He told me everything to where it made me come to the lot as soon as possible. They worked out everything for me to leave with the car today. They went into full detail on everything I sign. Took the car on a test drive and fell in love. Mark was really consistent in meeting my needs. The car I got was in tip top shade. Fully detail. And tires even had a shine to them. All my future cars will come from this lot.

    7. buy here pay here St. Petersburg dealer review by Dormarian Golden

      Dormarian Golden rated Creel Motors Tampa Bay

      I bought a car from Creel 2 months ago and it was one of the best decisions I have made. They really work with you and look at your situation and finds something that works for the both of us. The car is in great condition drives amazing!!! I love my car ! I will definitely be getting my upgrade from here

    8. buy here pay here St. Petersburg dealer review by Catie Booth

      Catie Booth rated Creel Motors Tampa Bay

      Ross was amazing!!! I was in and out within an hour and a half. I got an excellent kia soul that is amazing!!! The cars are great! It only had 9k miles and was in excellent shape!! And basically brand new!!! If you need a car and have credit issues go see Ross!!! He will get you into any car you want. They don't harass you, and Ross is easy going and not pushy and rude. This place is amazing! Once this one is paid off I'll be going back again for a second car! Ross you are the best car salesman ever!!!!!!!

    9. buy here pay here St. Petersburg dealer review by Amanda Davis

      Amanda Davis rated Rob Partelo’s Winner’s Circle Inc.

      Highly recommend! Great service, fast repair and a really fair price. Thanks for helping me get my car back on the road guys, I really appreciate you all!

    10. buy here pay here St. Petersburg dealer review by david hunt

      david hunt rated Rob Partelo’s Winner’s Circle Inc.

      I'm rarely inclined to leave a review. I felt I should here though. I drove by Rob Partelos Winning Circle and saw a few cars that caught my eye. I have been looking for something for awhile, but had a very bad credit score. I decided to stop in and just see what could be done. This was just a few weeks after going into a Big Name dealership. I first met the Owner, Rob. He was incredibly friendly and was the opposite of what I usually expect from a car Dealer. He answered all my questions, talked and actually made me feel comfortable. He mad no promises, then introduced me to the Sales manager Rick. Rick was what you wish for in a Dealer. We chatted about for awhile on everything but vehicles. He told me of his past sales jobs and now, instead of retirement he stays active in sales. Reason I bring this up here, is you can tell he wasn't worried of making a commission. He was truly active in getting the best deal for us. In effort to not be too long, the experience here was exceptional. A true car buying experience without the typical stress of fighting back and forth with a dealer. The owner was pleasant and out working, and the salesman, Rick was amazing. I reccomend this place for everyone! I must say, if they got me into a newer vehicle with low payments, you will be able too! Thanks Rob and Rick! I shall return next time I need a vehicle!

    11. buy here pay here St. Petersburg dealer review by Christine Collins

      Christine Collins rated Pete’s Cut Rate Auto Sales Inc

      Great place for buying a car. Pete is a really nice guy and is willing to work with you.

    12. buy here pay here St. Petersburg dealer review by Ryan George

      Ryan George rated Pete’s Cut Rate Auto Sales Inc

      Honest people with great pricing..... no interest

    13. buy here pay here St. Petersburg dealer review by Jarrett Grudzinski

      Jarrett Grudzinski rated Pinellas Motors Inc

      I bought my jeep from them and any problems that I have had with my vehicle they have fixed. There mechanic rate and experience and knowledge is the best. I would highly recommend Pinellas Motors to all. Also Jason is awesome and will do everything in his power to help you.

    14. buy here pay here St. Petersburg dealer review by Jennifer Hill

      Jennifer Hill rated Pinellas Motors Inc

      This was the most pleasant and easy car buying experience of my life! Jason and Angelique are kind and honest people, and I recommend this dealership for all of your automotive needs.

    15. buy here pay here St. Petersburg dealer review by mark birdsall

      mark birdsall rated E-Z Rent A Car and AFFORDABLE AUTO SALES

      very clean good running cars with no pressure sales people.

    16. buy here pay here St. Petersburg dealer review by Corinna Cooper

      Corinna Cooper rated E-Z Rent A Car and AFFORDABLE AUTO SALES

      You guys have to come and see Mark, he’s the best! He’ll get you in and out quick and for a good price! I definitely recommend them!

    17. buy here pay here St. Petersburg dealer review by Elvis Santiago

      Elvis Santiago rated Ted’s Auto Sales

      Great place to get a used car friendly staff ask for Ryan he helped me out in all my vehicle needs and also help me get a great insurance rate that's the to see.

    18. buy here pay here St. Petersburg dealer review by Madeline Box

      Madeline Box rated Ted’s Auto Sales

      After a lot of searching and some not so great experiences at other dealerships, I saw online that Ted's had exactly the car I was looking for. I made the drive over from Tampa literally giving my self a pep talk on the way prepared for yet another exhausting back and forth with a sales guy trying to take advantage. I was pleasantly surprised that my experience was the complete opposite. Ryan was honest, straightforward, and sympathetic to my prior bad experiences. The whole team was beyond helpful and accommodating and I ended up getting an amazing deal on a car I absolutely love.

    19. buy here pay here St. Petersburg dealer review by jmyaz1 .

      jmyaz1 . rated Mostly Mopars

      Absolutely the most honest Buy here Pay Here in the area. I have been dealing with Keith, Frank and staff for the past 13 years and trust them. We all have a business to run and must make a profit to stay in business but these guys always go above and beyond what I've seen in this industry. Fair prices and as long as you communicate they work with you.

    20. buy here pay here St. Petersburg dealer review by Amanda Henahan

      Amanda Henahan rated Mostly Mopars

      The only buy here pay here car lot that I know of that has their own garage!

    21. buy here pay here St. Petersburg dealer review by Melissa Lynn Wilson

      Melissa Lynn Wilson rated Value First Auto Sales LLC.

      They really worked with me in an emergency situation, and set me up in a reliable car. Don is the nicest people you will meet. Thank you Value Auto!

    22. buy here pay here St. Petersburg dealer review by jamesmommyfl .

      jamesmommyfl . rated Value First Auto Sales LLC.

      It is not their job to remind everyone to pay. People need to grow up and except responsibly. You know you owe so just pay, if not get a late fee. It is that simple. If they called people would cry harassment.

    23. buy here pay here St. Petersburg dealer review by Motivated Mommy

      Motivated Mommy rated Alens used cars llc

      They are truly the best place I ever got a car from. I have had my car over a month and had no problems at all. The owner is a sweet lady and she really has good customer service. I would recommend anyone to them for a car at reasonable prices if I could give ten stars I would.

    24. buy here pay here St. Petersburg dealer review by Rosadelia Miller

      Rosadelia Miller rated Alens used cars llc

      Amir and his wife are honest business people. They are fair and worked with me and my budget. Ruben from financing was extremely helpful as well. I purchased a truck I’m absolutely in love with my infinity QX56 . It’s in EXCELLENT condition and runs like brand new!!!! I recommend this place to anyone looking for a nice luxury used vehicle! 5 STAR ?? vehicle and service!!!

    25. buy here pay here St. Petersburg dealer review by Thomas Sousa

      Thomas Sousa rated OKCARZ ST PETERSBURG

      I stopped in interested in a 2013 Chevy Cruze on the lot. After spending some time in the office with Taysha the Manager I drove it. Not only did I fall in love with the car but with the professional manner in which my purchase was handled! She was exceptional in every aspect of this purchase! Dare I say that I actually enjoyed buying my car at OKCARZ?!? YES!!! I DID!!!

    26. buy here pay here St. Petersburg dealer review by Connie Thomas

      Connie Thomas rated OKCARZ ST PETERSBURG

      Awesome car dealers. .employees fantastic! Great experience! !!

    27. buy here pay here St. Petersburg dealer review by nadia benjamin

      nadia benjamin rated Superior Auto Mall

      I purchased 3 cars here . When my credit was slow , it was not bad but I needed a reliable car with in house financing. They sold me an Acura 3.5 then a year after I purchased a Acura MDX 2004 which I donated to a family member. 2015 I purchased a 2008 Toyota Camry . After reading these reviews I want the public to know that when you are buying a used car it is a used car. My opinion is if you are looking for something reliable stick to Toyota. I have owned many cars . You also have to make sure you develop a good relationship with a good mechanic. All my cars here has been very reliable.

    28. buy here pay here St. Petersburg dealer review by Jim Moylan

      Jim Moylan rated Superior Auto Mall

      Jennette is fantastic... always friendly and helpful if you need anything done to your car she's right there telling the guys outside what they have to do

    29. buy here pay here St. Petersburg dealer review by Robert McCord

      Robert McCord rated Bond Auto Sales

      Recently purchased a vehicle here last week. Tony was an absolute joy to work with! The buying experience was very easy and I drove away with my vehicle! If anyone is looking for an honest buy here pay here, this is the place! Go see Tony....he'll hook you up!

    30. buy here pay here St. Petersburg dealer review by Troy Kessler

      Troy Kessler rated Bond Auto Sales

      Although we didn't buy a car at the time we were just looking. We met a salesman Tony, really good salesman and friendly. Definitely recommend!

    31. buy here pay here St. Petersburg dealer review by Mihai Pinzaru

      Mihai Pinzaru rated Pinellas Auto Brokers

      Excellent experience!Just purchased my Toyota Corolla from here on Monday and wanted to leave this Review for the company. My car is running perfectly, the wife and kids love it, and I think I’ve got a very good deal. I would highly recommend this car lot to anybody looking for a great deal. They really treat you like a human being here not like that huge car dealers

    32. buy here pay here St. Petersburg dealer review by TCB

      TCB rated Pinellas Auto Brokers

      GREAT EXPERIENCE! Exceptional and Honest people to do business with. Found the selection just as large as the big dealers but what I liked was that they allowed me to take my time and look over the inventory without being hassled , and let me test drive as many as I wanted to to make an informed decision, they even allowed me to have my personal mechanic go to the lot and give the car an inspection before I purchased it. Extremely happy with the purchase and the price I paid. Highly recommend this place.

    33. buy here pay here St. Petersburg dealer review by Nick E. Lytle

      Nick E. Lytle rated Pinellas auto

      Every time that I have stopped at this location they have had salesman and or staff that has been helpful and helping me make a decision. They're knowledgeable about their vehicles and they have a great selection of vehicles. This is not a new car dealer this is a pre-owned dealership that has a great selection of pre-owned vehicles to choose from for every pricing category. On occasion they have been extremely busy and sometimes you might need to wait just a minute. So browse around or sit at the picnic table under the shade and wait for their handy salesman to give you a hand.

    BHPH St. Petersburg FL dealer

    Hope you like our list of buy here pay here St. Petersburg FL dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.