Top 19 Buy Here Pay Here Dealers in Toledo OH

Looking for a used car dealer in Toledo OH but your credit is in bad shape?

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

  • City Wide Auto Credit, OH

  • Royal Motors, OH

  • CJ’s Auto Store, OH


  • Joe’s Autos, OH

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

  • M & C Auto Sales, OH

  • Excel Automotive, OH

  • Byrider Toledo, OH

  • Toledo Metro Auto Sales LLC, OH


  • Did you know? These BHPH Toledo OH 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 Toledo 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.

  • Victory Auto Mall, OH

  • Max Auto Used Cars, OH

  • GO Auto Sales USA, OH

  • First Choice Auto Finance, OH

  • Johnny’s Motor Cars LLC., OH

  • The phrase buy here pay here Toledo OH 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. Toledo 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.

  • AutoMax Used Cars of Toledo, OH

  • Northpointe Auto Sales, OH

  • Toledo Auto Sales, OH

  • Kruz N Kleen Auto Sales, OH

  • Why buy here pay here Toledo OH 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 Toledo OH 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 Toledo OH 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 Toledo OH Works

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

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

    The buy here pay here Toledo OH 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 Toledo OH 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 Toledo OH 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 Toledo OH

    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 Toledo OH

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

    While buy here pay here Toledo OH 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 Toledo OH 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.

    Toledo OH buy here pay here Reviews

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

    1. buy here pay here Toledo dealer review by J. Faison

      J. Faison rated City Wide Auto Credit

      Excellent customer service. The atmosphere of the dealership is relaxing. They are professional and extremely efficient at what they do. I would recommend City Wide Auto Credit to anyone looking for a vehicle. When you go ask for Scott Gibson. He handled me with professionalism and detail. In the end he put me in the vehicle I wanted and sent me away completely satisfied.???

    2. buy here pay here Toledo dealer review by Patrick Patterson

      Patrick Patterson rated City Wide Auto Credit

      Good place to buy a car and good service and peoples!!!??? if they don't have what you looking for in they lots they will look for it for you.

    3. buy here pay here Toledo dealer review by Sandy Cheeks

      Sandy Cheeks rated Royal Motors

      My family has bought cars from here for years. Never had a problem! It's the only used car dealership I would trust. I'm almost done paying off my car now & I know I will buy from here again! The quality of the cars are good and the prices are very fair!! Highly recommend.

    4. buy here pay here Toledo dealer review by Zafar Khan

      Zafar Khan rated Royal Motors

      The staff at Royal motors is very cooperative and supportive. They go above and beyond to help you find a perfect vehicle that also fits in your budget. Go Royal....

    5. buy here pay here Toledo dealer review by Chanellayne Simpkins

      Chanellayne Simpkins rated CJ’s Auto Store

      very nice and honest car salesman, which is a rarity these days. I am so glad I was able to do business with CJ's Auto Store. I give Them the 5 out of % star rating. A great place to buy your vehicle. I am extremely happy with my experience/purchase

    6. buy here pay here Toledo dealer review by MarcysRA Vlogs

      MarcysRA Vlogs rated CJ’s Auto Store

      Helped me out immensely getting into a car. They went above and beyond. Thank you. I would recommend them if your having a hard time getting into a vehicle

    7. buy here pay here Toledo dealer review by Janay Williams

      Janay Williams rated AUTO FINANCING USA

      They were very helpful in a situation that was very frustrating. Shanna was so kind and kept in contact with me until we were able to figure out the issue with my car. Everyone from the tow driver to the people I spoke on the phone with were professional and helpful!

    8. buy here pay here Toledo dealer review by M&J Property Management

      M&J Property Management rated AUTO FINANCING USA

      Very good cars excellent deals fair and trustworthy people don't look in another place come Auto financing usa

    9. buy here pay here Toledo dealer review by Kevin Mylek

      Kevin Mylek rated Joe’s Autos

      I can't say enough great things about Adam & Joe's Auto. We needed a safe and reliable vehicle for our daughter. We were more than impressed with Joe's Auto. Adam and the staff were incredible. Very friendly and accommodating! They have quality vehicles at very reasonable prices. They went out of their way to work with us without the high pressure sales gimmicks you find at many of the other Lots. Our daughter loves her new Patriot and haven't had a single problem with it. They have found a new customer for life In Me.

    10. buy here pay here Toledo dealer review by jereome mattson

      jereome mattson rated Joe’s Autos

      If your looking for a nice used vehicle stop in and talk to Joe, Adam or one of the other staff member on the floor. Willing to discuss different options with you for the right fit. I will say to you that they do have high risk financing available for people that aren't able to get financing through their own bank or lender. Willing to allow short term payments if your short on finances. From my experience with them this far has been A+. Don't be afraid to test their knowledge and ask questions.

    11. buy here pay here Toledo dealer review by Jeff Dotson

      Jeff Dotson rated M & C Auto Sales

      What can I say these people actually sit down and work with you. They don't force you into a car unlike other car lots you pick a car you tell them what you want and they will try everything they can do to get you to drive away in that car.

    12. buy here pay here Toledo dealer review by sam gean

      sam gean rated M & C Auto Sales

      Great shop takes car of all my service needs and a great people!

    13. buy here pay here Toledo dealer review by jason davis

      jason davis rated Excel Automotive

      These guys really know their stuff!!!

    14. buy here pay here Toledo dealer review by jeremy nosch

      jeremy nosch rated Excel Automotive

      great service great people and great vehicles! everything rode like new,made it difficult to make a decision.

    15. buy here pay here Toledo dealer review by Nikki Eubanks

      Nikki Eubanks rated Byrider Toledo

      I love my car its been in the shop a couple of times but John is awesome he get it in an out in a respectable time.thank you.....but as for the refer someone and get $100 .hasn't happened and my sister has had her car from JD BUYRIDER FOR A FEW MONTHS NOW I'VE CALLED SEVERAL TIMES AND NOTHING..PLEASE DUE BETTER WITH THIS.THANK YOU

    16. buy here pay here Toledo dealer review by Sean Pendell

      Sean Pendell rated Toledo Metro Auto Sales LLC

      Awesome people. Willing to work with me and my situation. LOVE my "new" car.

    17. buy here pay here Toledo dealer review by Devon Klofta

      Devon Klofta rated Toledo Metro Auto Sales LLC

      They moved.... make sure you confirm the address before you head over.

    18. buy here pay here Toledo dealer review by Teresa Roman

      Teresa Roman rated LASKEY AUTO SALES

      I have been looking to get a new vehicle for some time now. Brooke was able to give me all the information I needed as well as confidence I was making the right choice. Thank you for all the help.

    19. buy here pay here Toledo dealer review by Ahmad Jarrar

      Ahmad Jarrar rated LASKEY AUTO SALES

      Love the service, great people, great prices. Best cars in town forsure. Best salesman in town Afif gave me great price for my first car ever owned. Thank you very much, will definitely come back to get another.

    20. buy here pay here Toledo dealer review by Kristy Thorn

      Kristy Thorn rated Victory Auto Mall

      Great experience. Easiest car purchase I have ever made. Straight forward. I feel like I walked out with a deal. I love my car. If your looking for a no nonsense purchase on a good car with lowest mileage in town I highly recommend going here.

    21. buy here pay here Toledo dealer review by Keanna Hawkins

      Keanna Hawkins rated Victory Auto Mall

      I went in with no hope and left out with something I’m now in love with. The customer service was great & very helpful, and the process was quick and easy. I’ll will definitely be back to shop again!

    22. buy here pay here Toledo dealer review by Shelonda Wade

      Shelonda Wade rated Max Auto Used Cars

      Nash thanks for your help. I really appreciate everything that you have done for us. We are so happy with are decision....

    23. buy here pay here Toledo dealer review by WORLDWIDE 100

      WORLDWIDE 100 rated Max Auto Used Cars

      Very clean and friendly car lot , they had me in and driving in under 1hr or so.. my girl got the truck of her dreams, we'll be back

    24. buy here pay here Toledo dealer review by Dawn Allen

      Dawn Allen rated GO Auto Sales USA

      They are wonderful haven’t had any problems with them need something fix they on it

    25. buy here pay here Toledo dealer review by Kymberly Smith

      Kymberly Smith rated GO Auto Sales USA

      Listen..we have dealt with Go Auto for 10..yrs or more. Brad..Kevin have treated us with dignity and respect. Brad has gone Above and Beyond for our family and community. Brad has been kind..and if you want to know more if asked..i will share a story later. If you want a dealership that stands behind their cars ..trucks..then Go Auto..well get there ! kind..and if you're honest...understanding. I could go on as he has always ..always worked with us. No matter what. With respect..Kymberly Smith

    26. buy here pay here Toledo dealer review by Heidi smith

      Heidi smith rated First Choice Auto Finance

      I got a vehicle there and was so pleased with the car and the service I received, I took my son there to get him a car.. they are very quick to help you and get you in the right car. And they treat you like family.. they actually remembered me when I came back with my son and that made me feel special.. If I would recommend them to my child, I would recommend them to anyone..

    27. buy here pay here Toledo dealer review by Keyale Johnson

      Keyale Johnson rated First Choice Auto Finance

      Best place to go! Affordable , easy , quick process. Just bring your cash & license! They offer great discounts and will work with you in need! Thanks guys! I will be doing business again!

    28. buy here pay here Toledo dealer review by Anthony  Nelson

      Anthony Nelson rated Johnny’s Motor Cars LLC.

      Johnny's Motor Cars is very professional and personal (like you're family) at the same time! He tells you what he has and then listens to you, finds the issue, fix it and when you're done discussing things with your wife and bam!!! He gives you another way that you can actually handle! We love this company! And the truck has everything new up to date and all! AND! THEY GOT FREE DOUGHNUTS!!!

    29. buy here pay here Toledo dealer review by Kenisha Sawyer

      Kenisha Sawyer rated Johnny’s Motor Cars LLC.

      I called up to the car dealership just hoping I could get some good news on getting me a car. I got a phone call a couple days later with good news I was approved for a vehicle gave my down payment and did all my paperwork and was driving off the lot with a car. Everyone was very polite and understanding and they really work with you so if you need a car call for more info.

    30. buy here pay here Toledo dealer review by Tiffany Welch

      Tiffany Welch rated AutoMax Used Cars of Toledo

      Incredible. They made sure to stay within my budget. They negotiated a great deal for me and knocked almost a grand off. I absolutely LOVE my new car. Thank you guys. Continue doing the great job that you do. Being honest and true will bring more customers. Word spreads fast. The word will be positive from me.

    31. buy here pay here Toledo dealer review by Dominic Tran

      Dominic Tran rated AutoMax Used Cars of Toledo

      Best finance department ever! One customer got 2.99% and no payments for 90 days through one of their banks and bought her 2016 Dodge Dart for $1500 below KBB. Her payment was only $200/ month!! Wow, this BHPH lot has bank financing too now!!!

    32. buy here pay here Toledo dealer review by Gene Romanowski

      Gene Romanowski rated Northpointe Auto Sales

      Went in not knowing what to expect. Met Danny Thomas and man he felt like family. He sat with me explained everything very thoroughly and showed me all my options I recommend northpointe auto sales and highly recommend Danny Thomas! THANKS AGAIN!!

    33. buy here pay here Toledo dealer review by Pat Carney

      Pat Carney rated Northpointe Auto Sales

      Danny was extremely polite and helped us immensely. Definitely earned his pay the day we were there. I give a rating of 4.5.

    34. buy here pay here Toledo dealer review by NATURALLY BEAUTY LOVERS

      NATURALLY BEAUTY LOVERS rated Toledo Auto Sales

      Toledo auto is a good place to go to get a car from and Dave will work with you...

    35. buy here pay here Toledo dealer review by George Hicks

      George Hicks rated Kruz N Kleen Auto Sales

      Great place to buy a car very reasonable prices!!

    36. buy here pay here Toledo dealer review by Karen Coleman

      Karen Coleman rated Kruz N Kleen Auto Sales

      I took my niece to Kruz N Kleen to buy a car. She bought a great looking and great running car. We drove it to Kansas City the day after the purchase and it ran great. The owners were honest with the details of the car. I highly recommend this car lot.

    BHPH Toledo OH dealer

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