Top 14 Buy Here Pay Here Dealers in Tacoma WA

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

Connect with top 14 buy here pay here Tacoma WA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Tacoma'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 Tacoma WA

  • I-5 Motors, WA

  • All American Motors, WA

  • Sunset Auto Wholesale, WA

  • Toyota of Tacoma, WA

  • First National Autos, WA

  • Have you ever considered buy here pay here Tacoma WA car dealerships? If so, have you heard of them? There are many advantages to buying a car through a buy here pay here dealerships in Tacoma WA compared to purchasing a vehicle through an individual or a private seller. The biggest difference between a Tacoma 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 Tacoma 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 Tacoma. 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.

  • Maple Leaf Motors Spanaway, WA

  • Goodfella’s Motor Co, WA

  • Curbside Motors, WA

  • Jake’s Quality Used Cars, WA

  • Curbside Motors, WA

  • Did you know? These BHPH Tacoma WA dealers are also good sources for full coverage vehicles. They will cover every repair and maintenance detail on a vehicle when the buyer makes a purchase here. This is because the vehicle's title will not have to be immediately released after the buy here pay here transaction. This ensures that the buyer will be fully protected in case of a repossession.

    The used-car buying experience is extremely easy when it comes to buying from a buy here pay here Tacoma 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.

  • Rightway Auto Sales, WA

  • HD’s Auto Sales, WA

  • Rainier Auto Group, WA

  • Payless Auto Sales, WA

  • Why buy here pay here Tacoma WA car dealerships is the right option?

    Usually, when you sign a contract to buy a car with a traditional car dealership, it involves a third party to provide loan for the vehicle. These auto lenders generally have very strict standards for getting the car loan approved. Therefore, the people with bad credit have to deal with car loan rejection. This is where Buy Here Pay Here Tacoma WA car dealership comes which provides easy loan for the vehicle. With a buy here, pay here dealership, the dealer takes care of the entire buying process from selling the car to financing the car on its lot.

    BHPH Tacoma WA dealerships work with a very straightforward process where buying a car and getting financed at the same time is made pretty simple. They specially work with people with poor or no credit. So no worries even if you have poor credit. Most of the time, the customer can drive their new vehicle the same day they visited the shop. This is an amazing experience you will ever have.

    How Buy Here Pay Here Tacoma WA Works

    When the bank says no to your car loan, the buy here pay here Tacoma WA car lots comes to guide you in the right direction to help you get the car of your choice. The process of buying used cars from a buy here pay here Tacoma WA dealer is pretty simple which starts with your visit to any of the dealers listed here. You tell them your car requirement including a specific car model you’re looking for and overall budget. Based on your budget, the dealer shows you a number of cars with desired car models. Once you find the car of your choice, the dealer works with their own exclusive lender for financing the car. The dealer completes the small paper work and hands over the vehicle to you mostly on the same day.

    Buy Here Pay Here Tacoma WA car lots – In-House Financing with Zero Down Payment

    After considering your monthly income and current situation, the dealer may offer you the purchase with no down payment at all. Even if there is any scope of down payment depending upon credit and the price of the vehicle then it starts with a very small amount. Overall, they provide you very customized and flexible financing option that best suits your particular situation.

    Usually, the payment cycle runs monthly and the loan term can run between 6 months to 5 years, heavily depend on the price of the car and the upfront payment you make.

    To make the buying process easier, most of the buy here pay here dealers don’t require expensive full coverage car insurance instead they provide vehicle with full coverage that covers repair and maintenance part. This ensures that the vehicle is fully protected.

    Know the Facts - Buy Here Pay Here Tacoma WA Car lots Dealership

    The one thing is very true about buy here pay here Tacoma WA is that it brings you the best conditioned cars with low miles and a good engine and all is made available at flexible financing options. But when you get your vehicle financed through a dealer’s in-house financing, the interest rates on loan are higher than the loan from a bank or credit union.

    The most of the buy here pay here dealers report the customers’ payment record to significant credit bureau which results into a positive effect on your credit score. Thus, by making timely payment, it does help to improve your credit score.

    Because these Tacoma WA dealers deal with people with poor credit, so there is high risk in financing the vehicle to such people and that is why most of the vehicles are installed with tracking device to help locate the vehicle’s current location for repossession, in case the customer fails to make the payment.

    Buy Here Pay Here Tacoma WA – Fast Approval Low or no credit score

    The buy here pay here Tacoma WA dealers come with their in-house financing program that doesn’t take more than an hour to process the loan. This is a kind of service you will not get from regular dealers. This saves you a lot of time as well as gives you a hassle free car buying experience.

    Unlike regular dealers, BHPH dealers are more transparent about their pricing and terms of loan which gives peace of mind to the customers.

    BHPH Tacoma WA Dealer – Preapproval of Application

    However, it is mandatory to visit the dealer shop to find the vehicle of your choice, but if you want to confirm beforehand whether the dealer will accept your loan application or not, then you can send your requirement online. Once the BHPH Tacoma WA dealer confirms the approval of your application, you can schedule your visit to make the purchase. This again saves you time that you would have spent at dealership.

    Advice on BHPH dealership Tacoma WA

    Generally, we advice customers to go to the traditional lenders first such as banks, credit unions, or finance company. But if your application gets rejection from all of these traditional options then BHPH dealers are the one who can make things possible for you irrespective of your poor credit score.

    Unlike traditional lenders, BHPH dealers understand the fact that genuine people may have bad credit score either due to huge medical bills or unexpected divorce or any other family issues. Therefore, they show the trust on these people and make the purchase possible for them.

    Average Credit Score to Buy a Used Car from BHPH dealer Tacoma WA

    The credit score becomes very crucial when it comes to getting loan approval especially when it is through traditional financer like bank or credit union.

    If a customer is looking to buy a used car through traditional financing in Tacoma WA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Tacoma WA accepts the request of these customers also who have credit score below 600. They provide loan on used car through special financing program. Thus, BHPH Tacoma WA is a great option for those who have poor bank record and bad credit score.

    The credit score does not only determine the approval or rejection of the loan application but it also determines the interest rate. The lower the credit score will be, higher the interest rates you will pay. The BHPH dealers vary in interest rates, so you should compare their interest rates properly before venturing into any agreement.

    Tacoma WA buy here pay here Reviews

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

    1. buy here pay here Tacoma dealer review by Michael Waller

      Michael Waller rated I-5 Motors

      I had an absolutely great experience with I-5 motors. The car was very well described and people went out of there way to send videos of the car since I was on the east coast. I would not hesitate to buy from again or refer someone to buy from this dealership.

    2. buy here pay here Tacoma dealer review by Steven Jones

      Steven Jones rated I-5 Motors

      Could not have been happier with our salesman, RC, and the entire team at I-5 Motors. Their service was top notch, very friendly and made us feel right at home. We will definitely be back when it's time for another vehicle!

    3. buy here pay here Tacoma dealer review by Mohammad Ahmed

      Mohammad Ahmed rated All American Motors

      Recently I was in desperate need for a car. All American Motors did not only get me into a car but they helped me finding exactly what I had in mind for my dream car. They really work with you. They are honest to the point. We all know how stress full car shopping could be. But my experience at All American motors was not only satisfactory, quick but specially in under current COVID 19 circumstances it was safe. I had a privilege working with Brandon. He is your guy if you need reliable, clean, and smooth long running cars go to All American Motors.

    4. buy here pay here Tacoma dealer review by Kristin Lofton

      Kristin Lofton rated All American Motors

      My husband and I had a wonderful experience during our car buying process. Brandon was extremely informative and motivated to get us in my dream car. He even allowed us to take the car to an actual Mercedes dealership to have it completely inspected, before we purchased it. I think it’s safe to say, we would definitely do business with him again, if needed. Thank you for the super friendly service.

    5. buy here pay here Tacoma dealer review by Jennifer Krueger

      Jennifer Krueger rated Sunset Auto Wholesale

      I have been looking for a 370Z for a while now, and I found the perfect one, here! I can’t say enough about the staff, very professional! My sales representative, Mathew Kaffer went above and beyond for me! I would highly recommend sunset auto wholesale!!

    6. buy here pay here Tacoma dealer review by John Betbabanta

      John Betbabanta rated Sunset Auto Wholesale

      After getting sick of my Ford Explorer that kept breaking down all the time, my mom and I took a visit to Sunset to "Uncle Tony", which quoted us some great, competitive deals on a sweet premium package Toyota 4Runner and gave us a reasonable price for my Explorer. The staff seemed really friendly, and I appreciate the hospitality as it really made me feel comfortable and confident while undergoing such a stressful process. It isn't easy spending money on a car, and it sure as hell isn't easy going to a dealership I've never gone to before, but the staff, especially Uncle Tony, with his warm smile, made the negotiation process a lot easier.

    7. buy here pay here Tacoma dealer review by coachlunk Rubio

      coachlunk Rubio rated Toyota of Tacoma

      No pressure buying. We looked, we test drove, we bought. Thank you Dustan for the great deals and your easy going sales style. Love my tacoma truck. Can't wait to pick up our four runner.

    8. buy here pay here Tacoma dealer review by Cass Shanelle

      Cass Shanelle rated Toyota of Tacoma

      I had a great experience at Larson Toyota. Chuck was immediately responsive to my online inquiry. AK was awesome when I dropped in at 7pm for a test drive. And most importantly Justin and Trevor worked with me to find the best financing deal! I left happy with my new SUV.

    9. buy here pay here Tacoma dealer review by DeetsterB .

      DeetsterB . rated First National Autos

      Elliot and Moses were very friendly, knowledgeable and helpful. During this quarantine I needed a new car (because mine kept breaking down as I was driving and being an essential worker I need a reliable car) and they found me exactly what I was looking for. Love my new car!

    10. buy here pay here Tacoma dealer review by John Grey

      John Grey rated First National Autos

      Everyone we met was very helpful, no pressure! We came to look, and decided to buy. Very good prices, very low stress. Highly recommend!

    11. buy here pay here Tacoma dealer review by Brandy Bacon

      Brandy Bacon rated Maple Leaf Motors Spanaway

      They are wonderful ??! I got the vehicle I have been seeking. They did in house financing! They will even work with you to accomplish your taxes and walk away with the vehicle and services that are above average in every way!!! Hey if this helps you will you please help me and tell them that BRANDY BACON sent ya!!

    12. buy here pay here Tacoma dealer review by Jamie Hall

      Jamie Hall rated Maple Leaf Motors Spanaway

      Last Place My Mom and I went to after about 2 horrible weeks searching for a nice, dependable & Bigger vehicle in My price range and EVERY single vehicle I test drove( I was on a short time limit before we had to be back to Modesto,Ca!) EVERY SINGLE ONE had the check engine light come on either immediately or after about 20min driving around!!! & This was the nicest, friendliest and very knowledgeable staff out of the 100's of places we endured Hands Down would def recommend You take Your Business to Maple Leaf Motors! I've had my SUV named Rosie about a year now and am still Very Happy & Grateful in the end we found it when we did!!! & compared to some of these horrible places with terrible staffs I give Maple Leaf Motors 5*****!!!

    13. buy here pay here Tacoma dealer review by Kirk Huse

      Kirk Huse rated Goodfella’s Motor Co

      Wow what can I say... when a business treats you like you're family or friends I almost never believe it, I always assume they want something, but with Goodfellas Motor Co they want to help find the right vehicle for you. The process of trading in my old Ninja 300 for my currently owned Yamaha Fz6r was a great experience to say the least. Steve works in the motorbike section and I came in with the mindset of leaving with a different bike, but Steve's goal wasn't to force me to buy a bike but to find something that was comfortable for me to mount and ride on. He was very patient and taught me a lot about each bike a sat on. Ultimately I choose the Yamaha Fz6r and he made the trade in process and purchasing process very easy and was more than willing to give me a fair deal. 100% recommend this store!

    14. buy here pay here Tacoma dealer review by Kelly S

      Kelly S rated Goodfella’s Motor Co

      Will made it so simple to get into the perfect car. We negotiated and came to an agreement within an hour of being there and I went home with the car I wanted. Been driving her for a few months now and can say it was not a mistake coming here!

    15. buy here pay here Tacoma dealer review by Forrest Stepnowski

      Forrest Stepnowski rated Curbside Motors

      I came here under the recommendation of a friend of mind. I have “fair” credit and I was concerned that I would not be able to get a great car. Boy was I incorrect! I will be getting my new car from them on Friday!! Beautiful car with great features. Low mileage! Great price. And as for the staff, I had the honor of working with Gordon who is personable and friendly. He did not try to do a hard sale like many car dealerships. He was patient and very kind. The rest of the Curbside Motors family are also fantastic. They got me an unbelievable interest rate with a great lender! I am in awe of this team and will be returning in the future for my car needs. Thank you from the bottom of my heart Gordon and the Curbside Motors team!

    16. buy here pay here Tacoma dealer review by David Lindsey

      David Lindsey rated Curbside Motors

      Got my new chevy from them... This is my second vechile from these guys .. Better experience this time.. I hope they put a kids area at smaller lot lol

    17. buy here pay here Tacoma dealer review by Samantha P.

      Samantha P. rated Jake’s Quality Used Cars

      The owner is a very genuine and honest guy. He will let you know if the vehicle has any issues before you buy it, and if the vehicle takes a dump on you... he takes care of things in a professional manner. Very happy with my car I bought here! If you need a used car for under 5 grand, Jake's Quality Used Cars is the way to go. Tip: Currently no in house financing here. But check in with your bank!

    18. buy here pay here Tacoma dealer review by Monica Tecson

      Monica Tecson rated Jake’s Quality Used Cars

      Joel the owner was great! I will miss him and he was the best salesman I ever met. I'm just sad that he no longer is there. Thank you Joel for the last car you sold me.

    19. buy here pay here Tacoma dealer review by Scott Schrader

      Scott Schrader rated Curbside Motors

      Had a great experience at curbside. Negotiations were fair and easy. Thank you Keith I will recommend to everyone.

    20. buy here pay here Tacoma dealer review by NW_ AS

      NW_ AS rated Curbside Motors

      Thank you curbside motor. Just want to say how great and helpful they are with everything. Jason the Englishman was very helpful with helping me pick the right car for me. Jessica was just great wonderful and very helpful. Very great customer service. Again thank you.

    21. buy here pay here Tacoma dealer review by JINNI LANG

      JINNI LANG rated Rightway Auto Sales

      HIGHLY RECOMMENDED!!! Had the worst trouble looking for a car for college and work. Went to three different car dealerships, and was asked to cough up more than I could afford due to being a first-time car buyer. This search toasted my credit score. At the edge of giving up, I came across this dealership on OfferUp and read their ad, and with a little faith I decided to stop by and check it out right after work. In less than an hour, I walked out with my very first car, the 2004 Ford Taurus. I had the best experience talking with Mark and Bernard. This is a family owned business, and they indeed treat me well. Believe it or not, but his daughter purchased her car here the same day I did. No pushy salesman. No credit checks. Simple and amazing experience!! Thank you :)

    22. buy here pay here Tacoma dealer review by Bruce Terribilini

      Bruce Terribilini rated Rightway Auto Sales

      Very refreshing to work with professionals for a change. Wonderful people to buy a used car from. Very honest and not pushy. I was happy with the way the cars and trucks where inspected and not doctored up just to move. I recommend Rightway Auto sales to anyone looking for a quality used car, I would not hesitate to come back if I decide I need another used vehicle.

    23. buy here pay here Tacoma dealer review by Joe Bako

      Joe Bako rated HD’s Auto Sales

      Very straight-forward and honest dealer. Had a truck inspected showing a coolant leak they fixed right up before I'd buy, then paid for a minor adjustment needed that showed after driving the truck around for a bit. Robert and Owen were both great to work with and Dan (the owner) is a class act. Would buy from them again.

    24. buy here pay here Tacoma dealer review by April Hunt

      April Hunt rated HD’s Auto Sales

      Bought a car with my daughter today. Super easy and painless process. All of the cars were in super condition. Our salesman wasn't pushy but was there to answer all of our questions or concerns. Will definitely be back when we need another vehicle ??

    25. buy here pay here Tacoma dealer review by lil206sweetie .

      lil206sweetie . rated Rainier Auto Group

      Great atmosphere! Great people! No hassle! Helped me get into my car with ease! Would recommend you go here! And they aren't pushy like a lot of car lots can be. Thanks again guys!

    26. buy here pay here Tacoma dealer review by Brandon Tyler

      Brandon Tyler rated Rainier Auto Group

      Good service very nice people to work with I recommend this place!!

    BHPH Tacoma WA dealer

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