Top 14 Buy Here Pay Here Dealers in Thornton CO

Looking for a used car dealer in Thornton CO but your credit is in bad shape?

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

  • Enterprise Car Sales, CO

  • D1 Auto Credit, CO

  • EchoPark Automotive Thornton, CO

  • DriveTime Used Cars, CO

  • Drive N-Motion, CO

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

  • Mike Shaw Subaru, CO

  • Charlies Auto & Truck Sales LLC, CO


  • Byrider Denver, CO

  • Master Auto Brokers, CO

  • Did you know? These BHPH Thornton CO 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 Thornton 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.

  • Ariana Auto Sales, CO

  • O’Meara Ford, CO

  • O’Meara Volkswagen, CO

  • Choice One Motors, CO

  • Why buy here pay here Thornton CO 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 Thornton CO 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 Thornton CO 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 Thornton CO Works

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

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

    The buy here pay here Thornton CO 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 Thornton CO 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 Thornton CO 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 Thornton CO

    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 Thornton CO

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

    While buy here pay here Thornton CO 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 Thornton CO 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.

    Thornton CO buy here pay here Reviews

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

    1. buy here pay here Thornton dealer review by Wendy Fonte

      Wendy Fonte rated Enterprise Car Sales

      Had the best experience ever buying a car here. First off, shout out to Amanda who helped us with picking a car and taking all our info. She is a very hard working person, always smiling, and has the best customer service. David her manager was also very nice and answered all the questions we had with a smile. He had a mask on but you could tell he was, also with Amanda. They both made us feel right at home, even with all the restrictions they had due to the virus. Thank you so much guys. :) I totally recommend this place to anyone trying to buy a nice, like new used car here.

    2. buy here pay here Thornton dealer review by Rachel Martinez

      Rachel Martinez rated Enterprise Car Sales

      I have never had such a fun time buying a car!! Absolutely no pressure. Natalie is amazing, she is very nice and friendly, took the time to listen to what I wanted and helped me find the perfect car. Everyone there was so nice and friendly. The atmosphere is relaxing, not like other places I've been where sales people are hovering around ready to pounce as soon as you get out of your car. I would absolutely, 110% recommend this place to anyone looking to buy a car!!

    3. buy here pay here Thornton dealer review by Lori Montez

      Lori Montez rated D1 Auto Credit

      My car broke down.. I needed a car quick. I don't have credit so I didn't think I could get financed. So I went to D1 Auto Credit. Lisa and Vinnie were amazing! They went out of their way to get me financed. Now I'm in a new car that I love! Thanks Lisa and Vinnie. I will recommend D1 Auto Credit to all of my family and friends.

    4. buy here pay here Thornton dealer review by Sammie Key

      Sammie Key rated D1 Auto Credit

      I absolutely am blown away with this dealership. Not only did I get the Truck of my dreams Lloyd, Lisa and Vinnie they went above and beyond in getting me into my Duramax!!! I will definitely be telling all of my oilfield CO workers!!!! They treated me like family, I didn’t feel rushed or pressured by anyone, that’s how car buying should go!!! Thanks King Credit!!!

    5. buy here pay here Thornton dealer review by Giancarlo Rodriguez

      Giancarlo Rodriguez rated EchoPark Automotive Thornton

      I really enjoyed my buying experience at Echo Park Thornton. Gray was my Experience Guide and he was awesome! He worked with my credit situation and was really patient with me when it came to finding the right price. The whole process did not to take too long. And I was driving the car away in great time. Thank you so much Echo Park dealership, I will definitely recommend you to other friends and family when they are looking for a Car.

    6. buy here pay here Thornton dealer review by Cheryl Steidl

      Cheryl Steidl rated EchoPark Automotive Thornton

      We drove all the way from Stillwater Oklahoma to buy a car from somebody else because we thought it was going to be great. Nope. It was awful. So, I googled sienna vans. Up came ECHO. Thank God! We went in and JD waited on us. Greatest young man ever. The whole experience saved our excursion to Denver. Yeah,. They were awesome, the vehicle was as close to perfect as possible. Then they still washed it before we left. Great day after all. Thanks JD and ECHO PARK of Thornton

    7. buy here pay here Thornton dealer review by Jolene Mendinghall

      Jolene Mendinghall rated DriveTime Used Cars

      This place is great! This place is friendly. I worked with Jose and he was amazing the entire time. I know most people will say “it’s their job of course they will be” but while working with Jose I could really tell that he cared about the car I was driving off in. He worked really well with me and he provided me with a good working car. He showed me how everything worked and he also made sure the car was in great condition. I highly recommend going here and working with Jose.

    8. buy here pay here Thornton dealer review by kari smith

      kari smith rated DriveTime Used Cars

      Here's a story, of a lovely man who had given us more than a 5 star treatment, went ABOVE and beyond for us :). We live in Sterling Co about 2 hours from Denver, Co, where we had our experience with Jose Melendez. Let me just tell you what he did for us. We had been searching for a second vehicle for some time now, however, traditionally, were not able to get financed :(. We tried everything, and that is when we found Drive Time. I had been watching a program one late night and saw one of their goofy funny commercials ( ya know the one), and i grabbed my computer, looked them up, and entered my info. Got a response via email very fast of course. I decided to call them, and i had the amazing pleasure talking to Jose Melendez. He was very professional, positive, outstanding attitude. I explained our circumstance and he put our mind at ease. I felt that our situation was indeed unique, 3 people 2 incomes and in need of a vehicle. I explained to him that we were 2 hours from him and we did not want to drive there only to be disappointed. He stepped up, said he would do all the work and get back to us. Over the course of a about a week we went back and forth through emails, and phone calls. He went so far above and beyond the call of duty. We emailed our documents, information and everything he requested. Then, after all the work he put in, we were approved, and able to get any vehicle we wanted on the lot :). So, we told him which one we were looking at, went over down payments and monthly payments, then, set up a date where we could come a pick up the vehicle. We were all signed up and ready to go, without even looking at the vehicle. From the time we called Jose Melendez in the Denver Office on 625 S havana Street, we were treated with respect, trust and more. He gave us what I want to say the Royal treatment, he treated us as if we really mattered. We have worked with Buy here pay here and are very aware of how the process works. you will PAY more for the vehicle, and the interest will be higher than a traditional loan HOWEVER, that is normal, and expected. I will always recommend Drive Time to anyone I see, talk to from here on out. They are amazing, professional and go out of there way to give you an outstanding experience. 10 Star rating from this gal. We want to personally thank you for going above and beyond to take care of our unique situation and to be able to work with us :) we look forward to working with you from here on out. Thank you again for being kind, compassionate and honest with us. Thank you for your time, patience and more. Sincerely Kari, Jeremy, Jordan

    9. buy here pay here Thornton dealer review by Tara Lynne

      Tara Lynne rated Drive N-Motion

      Kelly was very knowledgeable, personable, and not pushy at all. I felt very confident in the car I purchased... It was priced fair and a great car!

    10. buy here pay here Thornton dealer review by Marcella Briels

      Marcella Briels rated Drive N-Motion

      I requested a quote online and Paola got back to me quite promptly and helped get all the information I needed and set up my appointment. When I got there I was greeted by Kelly. He was very helpful, friendly and polite. He answered all my questions and made the process so easy. He was organized and honest and never made me feel pressured; I definitely recommend for anyone looking for a vehicle to check these guys out. They have a great selection of inventory. They are friendly and professional and their prices are very reasonable. If you need to finance they work with several credit unions and loan companies to help get you a great deal.

    11. buy here pay here Thornton dealer review by Mitchell Selders

      Mitchell Selders rated Mike Shaw Subaru

      Austin was FANTASTIC! Incredibly attentive, thoughtful, engaging, and easy to work with on such a large transaction. He went above and beyond his duties and took the lead on schedule extra service to ensure I was taken care of even with limited staff. Frank was also FANTASTIC! He spent extra time with the bank to help keep payments within my budget, was friendly, and really made me feel comfortable. This is my second WRX from Mike Shaw and I will certainly return in a few more years for number 3. Thank you!

    12. buy here pay here Thornton dealer review by James Hamm

      James Hamm rated Mike Shaw Subaru

      Our *3rd* Vehicle through Mike Shaw. Picked up a nice used truck and was done in under 4 hours start to finish. We all hate having to wait, they treat you right. Tori our sales rep did an amazing job with an online vehicle listing & went above and beyond for us. 100% recommend. Will purchase from here again!

    13. buy here pay here Thornton dealer review by Melanie Stout

      Melanie Stout rated Charlies Auto & Truck Sales LLC

      The experience was amazing! As a single mom I was nervous to car shop alone but Tim was great and there was no pressure! I would recommend this place to everyone and I will definitely be shopping here again!

    14. buy here pay here Thornton dealer review by Mandi Duran

      Mandi Duran rated Charlies Auto & Truck Sales LLC

      Best place to buy a car! Honest,friendly

    15. buy here pay here Thornton dealer review by Jessica Muncy

      Jessica Muncy rated GBB LLC

      We had a great experience here. Brandon was super nice and gave us great service. We will definitely buy another car here in the future.

    16. buy here pay here Thornton dealer review by Jose Montes

      Jose Montes rated GBB LLC

      They treat you like family

    17. buy here pay here Thornton dealer review by Becky Sutherland

      Becky Sutherland rated Byrider Denver

      I was in need of a car and all of the people there were so very helpful. My dealer Nick Hatfield was absolutely amazing and went way beyond customer service to help me get my car. He was understanding and very caring. Nick made it a great experience and I will forever be grateful.

    18. buy here pay here Thornton dealer review by Golden Jesus

      Golden Jesus rated Byrider Denver

      Nick was a great guy!!! Super informative on the phone, efficient and pleasant in person. Great inventory, staff is very friendly too.

    19. buy here pay here Thornton dealer review by Alex Corral

      Alex Corral rated Master Auto Brokers

      I have purchased a few cars from Oscar. They have good cars and will always work hard to get you the best financing they can. Highly recommended.

    20. buy here pay here Thornton dealer review by Chris Goody

      Chris Goody rated Master Auto Brokers

      Master auto brokers , best car buying experience I’ve had. I’m from another state stopped in to check out some really cheap and great cars my buddy Oscar is the man , he’s honest and tells you how it is , I appreciate this kind of businesss will always be a customer thanks again

    21. buy here pay here Thornton dealer review by Scott Martin

      Scott Martin rated Ariana Auto Sales

      Really good place to buy a vehicle. The owner was honest and fair. I'll definitely return for my next vehicle!

    22. buy here pay here Thornton dealer review by Tauni cook

      Tauni cook rated Ariana Auto Sales

      I love my car and they were so nice!

    23. buy here pay here Thornton dealer review by Steve Svenson

      Steve Svenson rated O’Meara Ford

      James helped my daughter purchase her first New Car on her own. Great service! He took her out for the test drive and showed her all the options on the car. Thank you James for the great experience!

    24. buy here pay here Thornton dealer review by Micah Adams

      Micah Adams rated O’Meara Ford

      Daniel Craft helped me out in purchasing a new vehicle. Service was amazing and buying the vehicle was painless. From the test drive, to discussing price, and finalizing paperwork, Dan consistently exceeded my expectations and made buying the car an enjoyable experience. I can't recommend O'Meara Ford enough. If you're in the market for a new vehicle and you want a 5 star, VIP experience, go to O'Meara Ford and ask for Daniel Craft specifically. He won't disappoint!

    25. buy here pay here Thornton dealer review by Philip J. Carney II

      Philip J. Carney II rated O’Meara Volkswagen

      Recently a Driver left turned across my path and took out my faithful 1986 VW MkII Jetta. I shopped a couple other local dealerships without success trying to secure better transportation. Jayla answered my phone call to O'Meara Volkswagen and did an impeccable job listening to what it was i was looking for. I purchased the exact car i was looking for to replace my trusty Jetta complete with an incredible bumper to bumper warranty. If you are in the market for a vehicle i highly recommend giving Jayla at O'Meara Volkswagen the opportunity to make your dreams of a more reliable from of transportation come true. #rydsafe ??

    26. buy here pay here Thornton dealer review by Mercedes Priebe

      Mercedes Priebe rated O’Meara Volkswagen

      Had a great experience working with Alejandra to find the perfect vehicle! Not only did she make the process easy and not stressful but she managed to help me find the perfect vehicle even with certain restrictions in place to due to the stay at home order. I still was able to safely test drive two vehicles and she was very patient as I weighed my options and eventually decided on a 2020 Tiguan. She was able to answer all my questions and happily talked me through my options. Would highly recommend Alejandra and the O’Meara team to help you find your next vehicle!

    27. buy here pay here Thornton dealer review by Brandon Autrey

      Brandon Autrey rated Choice One Motors

      Unfortunately, due to my bank, I wasn't able to get a car today.. But, George was really great, so I had to give them some props!

    28. buy here pay here Thornton dealer review by Kyle Weed

      Kyle Weed rated Choice One Motors

      Had a great experience buying a truck here. Dave helped me out. Found one that would work. Quick and easy.

    BHPH Thornton CO dealer

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