Top 13 Buy Here Pay Here Dealers in Topeka KS

Looking for a used car dealer in Topeka KS but your credit is in bad shape?

Connect with top 13 buy here pay here Topeka KS car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Topeka'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 Topeka KS

  • Trent’s Auto World, KS

  • Hewitt Motor Co, KS

  • AutoStart Topeka, KS

  • Auto Now, KS

  • Don’s Carz, KS

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

  • Legacy Motor Company, KS

  • CarHop Auto Sales & Finance, KS

  • Legacy Motor Company South, KS

  • A B Flint Motor Co, KS

  • Auto’s Inc, KS

  • Did you know? These BHPH Topeka KS 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 Topeka 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.

  • D AND D AUTO SALES, KS

  • Ironhorse Auto Inc, KS

  • Drive Now Topeka, KS

  • Why buy here pay here Topeka KS 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 Topeka KS 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 Topeka KS 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 Topeka KS Works

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

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

    The buy here pay here Topeka KS 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 Topeka KS 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 Topeka KS 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 Topeka KS

    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 Topeka KS

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

    While buy here pay here Topeka KS 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 Topeka KS 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.

    Topeka KS buy here pay here Reviews

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

    1. buy here pay here Topeka dealer review by Austin Basso

      Austin Basso rated Trent’s Auto World

      Trent and his team care more about the buyer than the sale. Highly recommended. Our family has purchased several vehicles from him over the years.

    2. buy here pay here Topeka dealer review by Google Reviewer

      Google Reviewer rated Trent’s Auto World

      When your mechanic says TRENTS takes care of their repairs before selling their cars....you know its a good place to buy from. Lots of small lots will sell cars with problems in hopes that you wont call them on it. Trents makes every attempt to fix everything before you buy it.

    3. buy here pay here Topeka dealer review by Jeff Schlicht

      Jeff Schlicht rated Hewitt Motor Co

      I found a truck I was interested in through Craigslist. The Truck was located at Hewitt Motor Co in Topeka. I live in Overland Park KS and was a little reluctant to take the drive to Topeka to take a look. After checking out the Positive Reviews for Hewitt Motor Co, I decided to the trip to Topeka. The Truck was in better shape than I expected and Lynn was a pleasure to work with. No high pressure sales tactics from Lynn. After my experience, I can say these other raving reviews are accurate. If you are looking for a quality vehicle at a fair price, Hewitt Motor Co. is the place to go.

    4. buy here pay here Topeka dealer review by Marci Miller

      Marci Miller rated Hewitt Motor Co

      We just purchased our 6th vehicle from Mr. Hewitt! He sells quality cars that last, at a great price! All of our cars have been below the average retail NADA book value, so no need to haggle over the price. It is always priced right! We recommend Hewitt Motors to anyone looking for a good used vehicle. He knows us by name and treats us right! Thank you Lynn!

    5. buy here pay here Topeka dealer review by Matt Runau

      Matt Runau rated AutoStart Topeka

      I came in looking for a car. Cody, Cameron, and Brendon were amazing. They gave me a ride to get insurance, helped explain my credit and options. I was in a car within an hour. This has been by far the best car buying experience I have ever had. Thank you so much.

    6. buy here pay here Topeka dealer review by sandy mara

      sandy mara rated AutoStart Topeka

      My experience here was great. Staff was friendly and funny. Cameron was awesome to work with. Very pleased with the car i purchased. Definitely recommend this place :D

    7. buy here pay here Topeka dealer review by tonka Warriner

      tonka Warriner rated Auto Now

      Brian Reed was very helpful. He had patience with us through the whole process. He is definitely the best sales rep I have ever came across. He definitely deserves 5 stars. Over all i am very pleased with my purchase.

    8. buy here pay here Topeka dealer review by Brandy Martin

      Brandy Martin rated Auto Now

      As promised I am updating my review. I am currently sitting at Peerless Tires because Shawn at AutoNow has made things right. Tony and Bryan were great during my buying process, and Shawn pulled through on my tire concerns. I love my new Kia for many reasons, but 489 miles to a tank of gas is the best reason. Many many thanks to AutoNow!

    9. buy here pay here Topeka dealer review by Google User

      Google User rated Don’s Carz

      Very helpful - stayed late even. Dog b adorable, friendly staff. Can't say enough good things about Don's

    10. buy here pay here Topeka dealer review by Google User

      Google User rated Don’s Carz

      I love how they didn't swarm me as soon as i pulled in the drive. The let me look & take my time. Got a great deal too!

    11. buy here pay here Topeka dealer review by Rhett Flood

      Rhett Flood rated Legacy Motor Company

      Great customer service all around and specifically Cale was very knowledgeable and a great help. Classy guys that make buying a car easy. Lewis, Cale, Brady and the rest of the team are all 5 stars.

    12. buy here pay here Topeka dealer review by Rose Raiken

      Rose Raiken rated Legacy Motor Company

      Excellent service, honest work, very fair price.

    13. buy here pay here Topeka dealer review by Vince Moore

      Vince Moore rated CarHop Auto Sales & Finance

      Bruce Gonzales was our salesmen. He worked hard for us to get into a vehicle and he was very nice and professional. Credit isn’t great, however Bruce made sure we didn’t leave empty handed. We’re in need of a second vehicle and we’ll definitely be back. Everyone at car hop is very helpful and very nice! I definitely recommend car hop!!

    14. buy here pay here Topeka dealer review by Johnny Lay

      Johnny Lay rated CarHop Auto Sales & Finance

      Carhop won me over, more specifically Bruce, and Mandy! They made my experience super easy, super fast, and the best car buying experience I've ever had! I definitely recommend this place for anyone who needs a car fast. Would definitely buy another car from them!

    15. buy here pay here Topeka dealer review by Linden Kirby

      Linden Kirby rated Legacy Motor Company South

      Worked with Cale to get a new-to-us Ford. We were very impressed with his service and how up-front he was with information about the vehicle history. Very low pressure! He definitely did right by us!

    16. buy here pay here Topeka dealer review by Nicole Retzlaff

      Nicole Retzlaff rated Legacy Motor Company South

      Absolutely awesome! I bought my car there a year and a half ago and they were so incredibly nice! The car was beautiful and financing was simple. I highly recommend Legacy because they only sell good, quality cars and are super people friendly :)

    17. buy here pay here Topeka dealer review by CJ Matchett

      CJ Matchett rated A B Flint Motor Co

      We have bought two trucks from Andy. He has always been upfront, honest, and very honest with us. The last vehicle took some time to find, but he found exactly what we were looking for. Thank you Andy for going above and beyond.

    18. buy here pay here Topeka dealer review by Lacy Aych

      Lacy Aych rated A B Flint Motor Co

      Andy Flint was helpful, polite and best of all -not pushy. He takes very good care of his vehicles. My husband and I are completely satisfied with our purchase. The pricing was better than I could have anticipated. We will definitely be returning when it's time to purchase another car.

    19. buy here pay here Topeka dealer review by hazel veal

      hazel veal rated Auto’s Inc

      Best place in Topeka to get a car. This is my 5th vehicle from Autos inc. The staff is friendly helpful and makes sure all vehicles stay running perfectly. I recommend every one to stop by and get a deal!

    20. buy here pay here Topeka dealer review by Katy Lundgren

      Katy Lundgren rated Auto’s Inc

      Truly love my van that the crew at autos inc helped me get in to. id just lost my old van and with 2 jobs it wasn't going to work. They made it fast and easy! thank you autos inc!

    21. buy here pay here Topeka dealer review by Frank Pancoast

      Frank Pancoast rated D AND D AUTO SALES

      Reasonable prices.. good people and cars. You get what you pay for...

    22. buy here pay here Topeka dealer review by Steven Sabean

      Steven Sabean rated D AND D AUTO SALES

      Great place to buy a used car. Good selection, reasonable prices, courteous sales people. Ultimately, I was not able to purchase a vehicle from them, but that is not their fault. They did everything they could to help.

    23. buy here pay here Topeka dealer review by Bill Frye

      Bill Frye rated Ironhorse Auto Inc

      Great

    24. buy here pay here Topeka dealer review by Kimberly Jonson

      Kimberly Jonson rated Ironhorse Auto Inc

      Great family owned place

    BHPH Topeka KS dealer

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