Top 19 Buy Here Pay Here Dealers in Sterling Heights MI

Looking for a used car dealer in Sterling Heights MI but your credit is in bad shape?

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

  • DriveTime Used Cars, MI

  • Fast Finance Auto Sales Clinton Twp, MI

  • Buff Whelan Chevrolet, Inc., MI

  • RightWay Auto Sales, MI

  • Matthew’s Stop and Look Auto Sales, MI

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

  • Suburban Ford of Sterling Heights, MI

  • Heartbeat Used Cars & Trucks LLC, MI

  • Vyletel Buick Gmc, Inc., MI

  • Lou Rice Auto Sales, MI

  • Legacy Motors, MI

  • Did you know? These BHPH Sterling Heights MI 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 Sterling Heights 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.

  • US Wheel and Tire, MI

  • AMC Auto, MI

  • Price Right Cars, MI

  • daniel auto sales, MI

  • CARite of Madison Heights, MI

  • The phrase buy here pay here Sterling Heights MI 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. Sterling Heights 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.

  • Sterling Heights Dodge Chrysler Jeep Ram, MI

  • Martell Auto Sales Inc, MI

  • J & C Auto Sales, MI

  • Suburban Ford of Sterling Heights Used Car Super Center, MI

  • Why buy here pay here Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI Works

    When the bank says no to your car loan, the buy here pay here Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI Car lots Dealership

    The one thing is very true about buy here pay here Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI – Fast Approval Low or no credit score

    The buy here pay here Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI 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 Sterling Heights MI

    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 Sterling Heights MI

    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 Sterling Heights MI, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Sterling Heights MI 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 Sterling Heights MI 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.

    Sterling Heights MI buy here pay here Reviews

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

    1. buy here pay here Sterling Heights dealer review by Akira Green

      Akira Green rated DriveTime Used Cars

      Omg Jesse was the freaking best also their finance manager (sorry forgot his name) but they were awesome! They worked with me and tried to find the best options for me and a reasonable down payment let’s just say they made every thing so easy and comfortable I walked out with my car yesterday I was only up there for about 3 1/2 hours and I didn’t feel like I was selling my soul ? And Jesse also Played and joked with my 3 year old and he was all over the place Jesse didn’t let it bother him he did his work and entertained my son at the same time

    2. buy here pay here Sterling Heights dealer review by Mika B

      Mika B rated DriveTime Used Cars

      Jesse was a great help from the moment I called in for assistance. Jesse was very knowledgeable and informative. Jesse’s customer service was amazing and his quality service and empathetic nature was greatly appreciated! DriveTime definitely gave me a great experience and I would refer this company to anyone looking for affordable rates and great employees! Thanks Again Jesse!

    3. buy here pay here Sterling Heights dealer review by sarah coppola

      sarah coppola rated Fast Finance Auto Sales Clinton Twp

      My credit score went up 112 points within a month of getting my car from here!! Walked in and got a car the same day. The guys are so chill and down to earth but very professional. They gave me exactly what I wanted, and I'm very happy with my vehicle!

    4. buy here pay here Sterling Heights dealer review by David Garza

      David Garza rated Fast Finance Auto Sales Clinton Twp

      I was skeptical at first but was seriously able to purchase a vehicle and drive off the lot for only 99 cents up front. They only required me to have PLPD car insurance too! I was amazed with their service.

    5. buy here pay here Sterling Heights dealer review by Julie Kriebel

      Julie Kriebel rated Buff Whelan Chevrolet, Inc.

      I couldn't be more satisfied with the service I received at Buff Whelan Chevrolet. The service professional (Brian Goethals) who assisted me was polite, professional and customer service oriented. The service center was busy, but I was immediately greeted and quickly attended to. The speed of the repair that was made to my Blazer was impressive-dropped it off on a Thursday morning, got it back the next day. After a very poor service experience at a different Chevrolet service center, my expectations were low, but Buff Whelan FAR exceeded them. No complaints at all.

    6. buy here pay here Sterling Heights dealer review by Lynn Eischens

      Lynn Eischens rated Buff Whelan Chevrolet, Inc.

      I'm new to Michigan and didn't really want to find a new dealership. But it was time to think about getting something different. I found exactly what I wanted on line with Buff Whelan but couldn't find anyone who had dealt with them. So a coworker said check their reviews. Maybe a name will stick out more than others. I found Michelle David was getting rave reviews. So I called and asked for Michelle. Set up an appointment for same day. Test drove what I wanted. We sat down to work some numbers. And in a period of less than 24 hours, I drove off the lot with what I wanted. Michelle is amazing at her job. She knows her stuff and she will do what needs to be done to get her customer into the vehicle of their dreams!!

    7. buy here pay here Sterling Heights dealer review by Lisa Kuney

      Lisa Kuney rated RightWay Auto Sales

      Our Daughter kept talking highly of this place. Wow, was she right. What nice people that work there, all of them. Joe was the one we worked with and man he was great. Treated us like family and opened his heart to each of us. Well done, Joe. We highly recommend to checking this place out. You won’t go wrong!

    8. buy here pay here Sterling Heights dealer review by Eric Gates

      Eric Gates rated RightWay Auto Sales

      Kerrigan Purslow was great. He got me in a out with a car quicker than any car lots credit checks.

    9. buy here pay here Sterling Heights dealer review by Stephanie Foster

      Stephanie Foster rated Matthew’s Stop and Look Auto Sales

      Happy I decided to make one last stop at this dealership before giving up on getting a car. The whole staff was friendly and they got me into a car when countless other dealerships weren’t able too. I’m very happy with my new car and actually got a better vehicle than I initially came for. Check these guys out if you’re having trouble financing. Robert James was who mainly helped me but everyone was very friendly Thank you stop and look

    10. buy here pay here Sterling Heights dealer review by T Wright

      T Wright rated Matthew’s Stop and Look Auto Sales

      They have a huge selection of cars. This is the place to go! I went here to look at a few cars because I was turning in my lease. They had the exact car I wanted and I already had financing in order through my credit union. After the test drive I was SOLD! Process was very quick and they took care of all the paperwork my credit union requested. I recommend to at least check this place out if you are in the area!

    11. buy here pay here Sterling Heights dealer review by Sarah Brayman

      Sarah Brayman rated Suburban Ford of Sterling Heights

      I had such a great experience buying a car here. Everyone was so nice and everything went way faster than any other dealership I've been to. Nathan is the man to see here!

    12. buy here pay here Sterling Heights dealer review by Joanne Mowery

      Joanne Mowery rated Suburban Ford of Sterling Heights

      My experience with Suburban Ford is excellent. I had my car in for repair but when it was finished Michigan went into lockdown therefore my Ford Escape is still there. At this point I still have the loaner. After May 15 I will retrieve my Car and return the loaner car. They have been very understanding and patient due to my circumstances.

    13. buy here pay here Sterling Heights dealer review by Bill Plater

      Bill Plater rated Heartbeat Used Cars & Trucks LLC

      Great people..don put me in a great truck for a great price..worth the drive

    14. buy here pay here Sterling Heights dealer review by Donald Plater

      Donald Plater rated Heartbeat Used Cars & Trucks LLC

      Great Deals starting at $2000 and up!

    15. buy here pay here Sterling Heights dealer review by Chad Denbrock

      Chad Denbrock rated Vyletel Buick Gmc, Inc.

      If you're looking for excellent service, find Donnie in the used car portion of the dealership. We found the car we were looking to purchase online and drove an hour and a half to look it over and test drive it. After enjoying our test drive, we decided to purchase the car. We wanted a few minor things changed on the car (pinstripe removal and a smudge to be removed). Being past 5 pm, all of the detailing employees had left already. Of course we did not look forward to driving back the following day, so he offered that the dealership would drive it to our home in Ann Arbor after they made all the alterations we asked for. This was all at no cost to us. On top of this, Donnie was an exceptionally respectful, understanding, and charismatic salesman. I certainly recommend going to see him for your next car!

    16. buy here pay here Sterling Heights dealer review by Dawn Saunders

      Dawn Saunders rated Vyletel Buick Gmc, Inc.

      GMC Service Center: Great service! Service techs are informative and give rational advice regarding repairs. I suggest that you check their busy time-frames before you take your vehicle in.

    17. buy here pay here Sterling Heights dealer review by Jay Hill

      Jay Hill rated Lou Rice Auto Sales

      I have been researching local car companies who promise great service and guaranteed financing. With my poor credit rating I challenged anyone who promised guarantee approval. So far, every company that I reached out to for assistance pretty much dismissed me, like I never even inquired. I have been working with Ron at Lou Rice and even though my credit was very challenging he was the only company that kept in touch with me, he told me exactly what I needed to do on my end to help me with a car loan. Ron took the time to sincerely try and help me. Now it's up to me to take care of a few items that Ron pointed out to me. No matter if I finance or buy a car with cash I'm going to stay with Ron and Lou Rice auto sales. Customer service was a solid 5 stars. Highly recommened.

    18. buy here pay here Sterling Heights dealer review by Kevin Perry

      Kevin Perry rated Lou Rice Auto Sales

      Car sales are all over our car capital of the world city. Arriving in a new place your looking for work, tutor/ teach jobs and/ or meeting school visa requirements. The Twnese have parallel parking due mkt/ street congestion, and pay an arm and a leg for underground parking. Also if you were a fool like me you barely know where your going to let alone know the roads without maps- which you'll find out where to get later. Mrts, scooters and buses fill the streets buy busy night mkts. Did get driven a few times, first time in a limo was there, rickshaws and trains are also be around. Exciting to jump on one of the side to explore a little outside of the city and your comfort zone. I'll check with Lou on sales promotions- which is on the corner of my last school- Clintondale Cont Ed.

    19. buy here pay here Sterling Heights dealer review by Jerry Cole

      Jerry Cole rated Legacy Motors

      Amazing service! Ramsey was the best help I could get! Would really recommend to come here! Perfect staff Odell helped a lot as well!

    20. buy here pay here Sterling Heights dealer review by Felicia Sanders

      Felicia Sanders rated Legacy Motors

      Tom Tom Tom... let me say this much when I say he's a man to his word he's a man that keeps his word. Nice business all of the salesman very friendly. They got my mom all the way together I love these guys?????????. They got my mom's rolling?????

    21. buy here pay here Sterling Heights dealer review by glenn garcia

      glenn garcia rated US Wheel and Tire

      I am so glad that me and my husband went to US Wheel & Tire. We bought 4 tires for my Honda Accord 2014. Mario gave us a good deal. I am so satisfied with the service. We will come back for our other cars. Thank you so much. Keep up the goood work. You nailed it.???

    22. buy here pay here Sterling Heights dealer review by jonny champaigne

      jonny champaigne rated US Wheel and Tire

      I have went to multiple shops trying to get a wheel and tire package, glad i came into US WHEEL AND TIRE, Tony and Romeo went above and beyond to make sure it was exactly what i wanted, no doubt this is my go to shop for life, great staff and tire technicians ray and john were fast and efficient. very friendly clean and honest business.

    23. buy here pay here Sterling Heights dealer review by Thomas RV Rentals

      Thomas RV Rentals rated AMC Auto

      Very professional, everyone was very helpful! No pressure sales, this dealership has been around a very long time with a great reputation! I was impressed with the entire sales process from start to finish when buying my pre-owned certified vehicle. I worked with Mike and he was amazing! They had best prices around. I am very happy with my new vehicle.

    24. buy here pay here Sterling Heights dealer review by Brandon Yousif

      Brandon Yousif rated AMC Auto

      dealing with mike was easy and straightforward. great prices and car was very clean. will visit this dealership again

    25. buy here pay here Sterling Heights dealer review by Ryan The Driver

      Ryan The Driver rated Price Right Cars

      Amazing group here for all of your RV Needs.

    26. buy here pay here Sterling Heights dealer review by Barbara T

      Barbara T rated Price Right Cars

      People are quick to write a review when they receive poor service, but I like to take the time to write one when a company shows exemplary service. Price right did exactly that. We bought a used camper from them last fall. The salesman, Dave, was both honest and fair. The owners allowed us to keep our camper there for a couple of months while waiting for hubby's shoulder to heal from rotator cuff surgery. When we went to pick it up, we were given a walk-through by Kerry, that lasted over 4 hours! It was quite an educational experience! This is our 3rd camper and yet we learned things we had never known! We will definitely go to them for our next camper! :)

    27. buy here pay here Sterling Heights dealer review by Peyton DeSchutter

      Peyton DeSchutter rated daniel auto sales

      The staff at Daniel Auto Sales are so so wonderful. They have provided me nothing but the best care, both for the car that I purchased from them and customer service. They tell you once you purchase a car from them that you're family, and it truly does feel like it! They are awesome people and provide exceptional service. I could not be happier!

    28. buy here pay here Sterling Heights dealer review by Susan Coyle

      Susan Coyle rated daniel auto sales

      A very pleasant experience. Family feel. Caring and not out to gouge you. I would highly recommend for your used car purchase needs. Lots of inventory to choose from too

    29. buy here pay here Sterling Heights dealer review by Peaceful Traveler

      Peaceful Traveler rated CARite of Madison Heights

      Haznat Khan and John Tomasek you’re the BEST!!! You are a genuine salesman that really care about your customers needs I really appreciate how you both went above and beyond to get me the car I wanted, I am a very satisfied customer Thank you both for all you have done... I will definitely recommend you to all my family and friends Thanks again JP

    30. buy here pay here Sterling Heights dealer review by Karen Peterman

      Karen Peterman rated Sterling Heights Dodge Chrysler Jeep Ram

      We were in for an oil change and tire rotation. Shelby, Our service advisor was very nice.. Great personality ! The waiting area was very large , warm and comfortable. The courtesy driver was in and out offering rides. They even washes the truck in 20°weather. Awesome job! Thank you very much for being so quick.

    31. buy here pay here Sterling Heights dealer review by Ahmad Fayez

      Ahmad Fayez rated Sterling Heights Dodge Chrysler Jeep Ram

      Sal is the best, he took a really good care of us. I am very happy and pleased with my new ram. Thank you Sal, thank you Sterling Heights Dodge Chrysler Jeep for making it happen.

    32. buy here pay here Sterling Heights dealer review by Dylan Shoemaker

      Dylan Shoemaker rated Martell Auto Sales Inc

      I got a great deal on a used car here. Both guys were honest and helpful. Sure you'll get the salesman pitch, but they had no problem letting me take the car to get checked out by my mechanic, and were very fair when negotiating on price.

    33. buy here pay here Sterling Heights dealer review by Sammy Sheppard

      Sammy Sheppard rated Martell Auto Sales Inc

      They were very nice ,but couldn't help they tried.

    34. buy here pay here Sterling Heights dealer review by Amy Julian

      Amy Julian rated J & C Auto Sales

      My husband and I came all the way from North Carolina to purchase a Ford F-150 from them. They answered our (what seemed like) dozens of questions, sent additional photos, lined up financing, and negotiated on the price of the truck - all before we even got there! Once there, the process was smooth and quick, and the ladies were very friendly and helpful. Thank you so much!

    35. buy here pay here Sterling Heights dealer review by Michael McBroom

      Michael McBroom rated J & C Auto Sales

      Nice and friendly staff. They don't mind any and all questions. Thank you :)

    36. buy here pay here Sterling Heights dealer review by Ryan C

      Ryan C rated Suburban Ford of Sterling Heights Used Car Super Center

      Wow, is all I can say about this dealership. From the minute I walked in, to the minute I drove off the lot I was treated wonderfully by the staff, sales people, and finance department. Any questions I had were answered and any thing I needed they were happy to provide. A big thank you to Jeff, Thomas, and Caleb for a quick and painless car buying process. I highly recommend this dealership!

    BHPH Sterling Heights MI dealer

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