Top 3 Buy Here Pay Here Dealers in Tempe AZ

Looking for a used car dealer in Tempe AZ but your credit is in bad shape?

Connect with top 3 buy here pay here Tempe AZ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Tempe'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 Tempe AZ

  • Cactus Jack’s Auto Phoenix Airport, AZ

  • AutoNation Nissan Tempe, AZ

  • AutoNation Toyota Tempe, AZ

  • Why buy here pay here Tempe AZ 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 Tempe AZ 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 Tempe AZ 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 Tempe AZ Works

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

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

    The buy here pay here Tempe AZ 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 Tempe AZ 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 Tempe AZ 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 Tempe AZ

    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 Tempe AZ

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

    While buy here pay here Tempe AZ 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 Tempe AZ 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.

    Tempe AZ buy here pay here Reviews

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

    1. buy here pay here Tempe dealer review by adam nava

      adam nava rated Cactus Jack’s Auto Phoenix Airport

      Ray was an amazing salesman and helped my wife and I get a great vehicle for our family with no nonsense! We struck a great deal and are leaving very happy in our new ride!!

    2. buy here pay here Tempe dealer review by Sariah-chan enjoy

      Sariah-chan enjoy rated Cactus Jack’s Auto Phoenix Airport

      Went to cactus jacks to look around and Rey helped us get into a new car he was great and very helpful totally recommend it come see him for ur car needs

    3. buy here pay here Tempe dealer review by L. Fields

      L. Fields rated AutoNation Nissan Tempe

      I had a wonderful experience with this Nissan dealer. They were all very polite, respectful, knowledgeable and professional. I enjoyed doing business with them and they made me feel like a valued customer. I would definitely do business with them in the future and would recommend them to other family and friends looking to purchase a new or used vehicle.

    4. buy here pay here Tempe dealer review by Rick F

      Rick F rated AutoNation Nissan Tempe

      We had a vision of what we wanted, with a monthly payment we could afford, without getting in over our heads. Between Chris, Fabian, and Garrett, the trio of "forces to be reckoned with", we drove out with the perfect plan .... perfect car, perfect payments .... these gentlemen went overboard to help us get precisely what we felt we needed to do! Great job, guys! We are sincerely grateful for all of the work you did for Sandi and myself. We WILL be back!

    5. buy here pay here Tempe dealer review by Alex Lighfoot

      Alex Lighfoot rated AutoNation Toyota Tempe

      Best experience I could've had, especially for somebody who usually avoids car dealerships and the usual smoke and mirrors accompanied with buying a new car. If you are in the market for a Toyota, ask for Sarah specifically. From start of the sale to the closing of it, the whole process was smooth and natural thanks to her. She was meticulous, diligent, real, and most of all got me the exact truck with everything I needed/wanted and nothing more. It was a very refreshing experience and I can confidently say I'm a customer of AutoNation for life. Thank you!

    6. buy here pay here Tempe dealer review by Jeannette Betancourt

      Jeannette Betancourt rated AutoNation Toyota Tempe

      David Gallegos on VIP Sales and Acquisitions is just not an amazing salesman but an amazing person. He went above and beyond to help me to look for a perfect car. We went to another dealership but didn’t felt the same warm welcome that David gave us. He is very accommodating and very knowledgeable on their product and services. He made everything fast easy. Will definitely comeback here and will definitely recommend him! (Will take my Dad to see you and get great deals from you!!!) Thank you David for being an amazing sales rep! You are definitely an asset to your company!

    BHPH Tempe AZ dealer

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