Top 20 Buy Here Pay Here Dealers in Tampa FL

Looking for a used car dealer in Tampa FL but your credit is in bad shape?

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

  • Cars Unlimited, FL

  • DriveTime Used Cars, FL

  • ABC Autotrader, FL

  • Unique Motors of Tampa, FL

  • Gateway Motors of Tampa, FL

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

  • C & J Auto Sales, FL

  • Avin Enterprises Inc, FL

  • Okcarz Tampa, FL

  • ABC Autos Inc, FL

  • Five Star Auto Sales of Tampa, FL

  • Did you know? These BHPH Tampa 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 Tampa 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.

  • Cars R Us, FL

  • Car Credit Inc, FL

  • Bond Auto Sales, FL

  • Car Credit, FL

  • Baycoast Auto Sales llc, FL

  • The phrase buy here pay here Tampa 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. Tampa 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.


  • Bond Auto Sales, FL

  • Bond Auto Sales, FL

  • Bond Auto Sales, FL

  • Tena Automotive LLC, FL

  • Why buy here pay here Tampa 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 Tampa 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 Tampa 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 Tampa FL Works

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

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

    The buy here pay here Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa 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 Tampa FL, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Tampa 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 Tampa 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.

    Tampa FL buy here pay here Reviews

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

    1. buy here pay here Tampa dealer review by Mister Ched

      Mister Ched rated Cars Unlimited

      Couldn't be any more pleased with my second experience purchasing a vehicle from Cars Unlimited. Everything went extremely smooth, got my interest rate down an extra 3%, and was very prompt. They will continue to have my business.

    2. buy here pay here Tampa dealer review by Mark Victor

      Mark Victor rated Cars Unlimited

      Last year I saw this Black Call Of Duty Jeep in a car lot and pulled over to check the Jeep out. A gentleman came out and asked me if I wanted the keys and I said yes! He handed me the keys and told me to let him know if I need anything and went back inside. What? No hassle? No haggle? No gimmicks? I went inside and sat with AJ Stathas to negotiate the price and 1 hour later I pulled off the lot with my dream car! They gave me a great deal with the trade in with my old Jeep and with Suncoast Credit Union! Last week my Jeep needed service and I went to go pay and they said the warranty covered it!! Best car experience ever!! Thanks again!

    3. buy here pay here Tampa dealer review by Ivelise Perez

      Ivelise Perez rated DriveTime Used Cars

      The was the best car shopping experience I have ever had. It was no nonsense, straight to the point. Let’s work out numbers and got me into a car, with exactly what I was looking for. I’m very grateful. Steve Robinson was great to work with. I would recommend him to everyone.

    4. buy here pay here Tampa dealer review by DeNeisha Henderson

      DeNeisha Henderson rated DriveTime Used Cars

      Michael and the other young lady that assisted us were amazing. My family and I were in a car emergency and needed a vehicle ASAP. We couldn't have been more happy with the blessing we received from DriveTime.

    5. buy here pay here Tampa dealer review by Tia D

      Tia D rated ABC Autotrader

      ABC AUTOTRADER is by far the best dealership in Tampa! With the help of both Victor and Peter I was able to inquire, test drive, and leave off the lot with a brand new car within the exact same day! Paperwork was filled out seamless with the help of Peter and done within a couple of hours signed and sealed! Also I was able to get into a car of my choice with an amazing car payment. Nothing can beat this! By far the best experience especially as I am a first time car buyer! I would highly recommend this dealership and I would highly recommend Peter as well as Victor to further assist u with your next purchase!

    6. buy here pay here Tampa dealer review by Victor Estrada

      Victor Estrada rated ABC Autotrader

      You have to come and check us out. Even if you don't ask for me. Really this is the best dealership that someone can work at and feel proud about what they do. We have Newer Vehicle's, Lower Miles with Remaining Factory Warranty without feeling pressure on anything. It's really hard for a small dealership to keep a good name. We are over 10 years helping families get on the road. I've been here for 3 years. Help us reach our goal to be and stay a 5 Star Google Rated Dealer. Come join the Family and ask for anyone of us to help. It doesn't hurt to check us out and join the ABC Autotrader Family...This is Victor Estrada one of the APPROVAL Specialist at ABC Autotrader.

    7. buy here pay here Tampa dealer review by Trevor Warner

      Trevor Warner rated Unique Motors of Tampa

      Purchased a 2012 ram 2500 from them they were upfront and honest about the history provided a clean Carfax that was up to date and made the process fast. It doesn't stop there I took the truck immediately up to Massachusetts and back with zero issues absolutely flawless love it will be back next time I need a vehicle.

    8. buy here pay here Tampa dealer review by Sandra Kruel

      Sandra Kruel rated Unique Motors of Tampa

      Having a recent college graduate in need of immediate transportation, I found a perfect car here. My call was answered by Gilbert who was a absolute gem, obviously a family man, and very reassuring, even picked him up to bring him to see the car. We definitely had some hiccups and challenges getting a newly college graduate a loan, and I will say that it was not always easy dealing with that department, but at the end Gilbert and his staff worked hard to make it happen, so on Saturday we found the car and Monday he drove away in a safe reliable car. All in all I would highly recommend you call Gilbert, you will be in good hands! I look forward to meeting next time I am in Tampa!

    9. buy here pay here Tampa dealer review by Kala H

      Kala H rated Gateway Motors of Tampa

      Genuine, honorable, honest and fair. My mom made me go to the dealership. I never buy from dealerships because I don't generally trust them and I feel like they are marking up the price a lot. I was thoroughly impressed with this family-run business and the genuinely caring family that runs this business. They are clearly not in the business to maximize profit but to make profit off providing a fair price for a quality vehicle. After a week of working with this business I can say with confidence they are good people that care about people. I highly recommend working with them.

    10. buy here pay here Tampa dealer review by Jim Martin

      Jim Martin rated Gateway Motors of Tampa

      Great mechanics, honest, and they really try to save you money. Ask for Joe.

    11. buy here pay here Tampa dealer review by Ken Howes

      Ken Howes rated C & J Auto Sales

      #1 recommended Car Lot great place, great people, are very friendly. I have personally bought couple cars from this location have had nothing but good service an nice vehicles. My truck now one of the best vehicles I’ve owned love how they built it an love all the upgrades. This is only place I’ll buy my vehicles from. Stop in see Carlos today get your self looking fly for summer. Great work guys ????

    12. buy here pay here Tampa dealer review by Bander Abuattieh

      Bander Abuattieh rated C & J Auto Sales

      Professional, honest and they do provide Excellent service. Purchased a car from Carlos he is always available. The paperwork and communications were smooth and easy. Title was mailed over night within 2 business days. Because I was Out of state I thought it would be a hassle, but one trip and all was completed in an hour. They are located 5 min from Tampa international airport so that was convenient everything was convenient. The girl in the front sweet and professional. Thanks.

    13. buy here pay here Tampa dealer review by STARCHILD7

      STARCHILD7 rated Avin Enterprises Inc

      My name is Joseph I had bought a 2013 Nissan Altima. I highly recommend Avin Enterprises they will work with you. Very friendly staff and compassionate. Never had a problem with them. I will definitely buy from them again.

    14. buy here pay here Tampa dealer review by Crystal Young

      Crystal Young rated Avin Enterprises Inc

      Just bought my 2nd car from them and love it

    15. buy here pay here Tampa dealer review by Kat Yvonne

      Kat Yvonne rated Okcarz Tampa

      Joseph Rios worked with so well. He fought hard and stayed calm through the whole process. He helped and gave me options that were realistic and would benefit me. Julio Fernandez also helped. They both worked together and help me get a nice car that I wanted. Thank you Okcarz N Florida Ave

    16. buy here pay here Tampa dealer review by Russell

      Russell rated Okcarz Tampa

      Great service

    17. buy here pay here Tampa dealer review by Aimys Abraham

      Aimys Abraham rated ABC Autos Inc

      They help me in my time of need and got me into a vehicle with 500 down they have alot of good cars for sale and I recommend anyone else who is looking to buy a core come on down to ABC auto located on 6112 n.florida Ave you won't be disappointed I promise you just let them know I sent you an they will take good care of you

    18. buy here pay here Tampa dealer review by ELNORA COMMODORE

      ELNORA COMMODORE rated ABC Autos Inc

      Never had a problem with any vehicle bought from here. Nice friendly people. Will buy again from them.

    19. buy here pay here Tampa dealer review by Diana Bennett

      Diana Bennett rated Five Star Auto Sales of Tampa

      I just bought an Audi Q7 truck from 5 star auto. The prices were the absolute BEST and the service was outstanding. A week from purchasing my car the check engine light went on, I called just to let them know what was going and to get a copy of the extended warranty and to my surprise the manager asked me to bring it in and that they'll fix the issue!! I am very happy with the service I received and will definitely recommend them.

    20. buy here pay here Tampa dealer review by Ryan Cox

      Ryan Cox rated Five Star Auto Sales of Tampa

      Thank you Tirso for working with me to get me into the Infiniti that I was wanting. Will def do business here again. Ryan

    21. buy here pay here Tampa dealer review by Andrea Adcock

      Andrea Adcock rated Cars R Us

      I would give this dealer more than five stars if I could! Gary, the owner, is super personable and professional. He had the perfect car for me in my price range, and I literally only looked at one other car before I decided to buy from him. He gave me a great price and allowed me to put down a cash deposit. When I came back to pick up the car, everything was ready for me, car clean and detailed, paperwork ready for me to sign. He made the whole process refreshingly easy, and I got a good value for my hard earned money. Thanks, Gary!

    22. buy here pay here Tampa dealer review by Gary Stuck

      Gary Stuck rated Cars R Us

      Great quality/price and no pressures from salesman. They gave me a good deal...little dickering on the price...both happy, also completed all paperwork Title/Plates in there office with no problem... Had the Jeep for two months now with everything working great! What more could you ask for.

    23. buy here pay here Tampa dealer review by Josianne Jeudy

      Josianne Jeudy rated Car Credit Inc

      My first time financing a vehicle was nerve racking but Rosie and Fernando made it fast, simple, and a great experience! They are nice down to earth people who understand we all are human. I use to hear ads on the radio and was soooooo skeptical about them but I know now If anyone wants to rebuild your life (credit) and need to buy a car you gotta come here. JOSI

    24. buy here pay here Tampa dealer review by Katherine Long

      Katherine Long rated Bond Auto Sales

      This place is awesome. Last week I purchased a Chevy Malibu 2005 and it was in good condition. The staff is amazing.

    25. buy here pay here Tampa dealer review by Jayla Mills

      Jayla Mills rated Bond Auto Sales

      I'm very excited about owning my new car today at "Bond Auto Sales". I had a rough week waiting for other approvals at different dealerships. I'm young and have not so good credit. I finally tried Bond Auto at there North gate location 10500 North Florida ave. Tampa. I consulted with Victor Estrada he helped me and my family choose the perfect S.U.V. with a workable monthly payment that works for us. I would highly recommend anyone to come and see him and his co-workers. Now I'm out of here to enjoy my New ride.

    26. buy here pay here Tampa dealer review by Jamie H.

      Jamie H. rated Car Credit

      I cannot say enough positive things about this dealership! Joseph and Jenny were amazing. I’ve purchased cars from large dealerships and none compared to this experience, from the first call to the actual purchase. Yes, it’s a long purchase and you will be there for a while but what dealership are you in/out within an hour. Joseph and Jenny were so attentive, understanding and helpful. They provided great customer service!

    27. buy here pay here Tampa dealer review by Leah Burch

      Leah Burch rated Car Credit

      I had an amazing experience here at Car Credit Tampa, East Hillsborough location! Yosh was great, he helped me throughout the whole process and hand picked a vehicle right for me, in my price range! Daniela was fantastic, as she helped me find the perfect car insurance too! The process was smooth and definitely memorable as I left the lot with my FIRST CAR! Thank you Car Credit for the awesome experience, and most importantly my beautiful Chevrolet Sonic.

    28. buy here pay here Tampa dealer review by Sandy Green

      Sandy Green rated Baycoast Auto Sales llc

      I saw my new Altima on line, drove to Tampa to see it made a down payment. Came back next morning paid the remaining balance and everything was ready to go. I'm very happy!!

    29. buy here pay here Tampa dealer review by Mariane Noel

      Mariane Noel rated Baycoast Auto Sales llc

      I purchased my first car here a 2016 Nissan Altima with 43,000 miles I love my car. I love baycoast auto They provide great service they work with you. If you want a long lasting vehicle go to Baycoast Auto. You won’t regret it. ?

    30. buy here pay here Tampa dealer review by Allie H.

      Allie H. rated OKCARZ-BRANDON

      Robert was the most helpful! I wasn’t pressured he understood my hesitation... made the whole process simple easy and MOST of quick.

    31. buy here pay here Tampa dealer review by Desiree Nicole

      Desiree Nicole rated OKCARZ-BRANDON

      Ms. Evelyn Cruz, is much an amazing worker. She will get you rolling on the road in no time, I told her my down payment and she got me right into something with insurance included.. she is a very outgoing person love her would definitely recommend her to anyone with a LOW downpayment and NO credit ??

    32. buy here pay here Tampa dealer review by Yonni Rojas

      Yonni Rojas rated Bond Auto Sales

      Very nice people any problem fix my car the sale peter and ministration good person

    33. buy here pay here Tampa dealer review by Jesus Santiago

      Jesus Santiago rated Bond Auto Sales

      Great customer service good selection on vehicles at a great price I'm considering buying a pickup truck

    34. buy here pay here Tampa dealer review by Javia smith

      Javia smith rated Bond Auto Sales

      Always great going to bonds l love bond auto sales gotten plenty cars from them very reliable cars I never had problems.

    35. buy here pay here Tampa dealer review by themaxx3cars .

      themaxx3cars . rated Tena Automotive LLC

      Very nice and great place to shop for a vehicle. Awesome sales team

    36. buy here pay here Tampa dealer review by Brandon

      Brandon rated Tena Automotive LLC

      These guys were great to me. I just purchased a F-150 they had just gotten a day prior. They were very enthusiastic and friendly the entire time, and spent more than enough time working to get me approved. I drove away with my truck Saturday (1-5-19) evening, and have had no issues at all. I am overly thankful to these great people.

    BHPH Tampa FL dealer

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