Top 18 Buy Here Pay Here Dealers in Tucson AZ

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

Connect with top 18 buy here pay here Tucson AZ car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Tucson'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 Tucson AZ

  • The Car Lot, AZ

  • Zano Cars – Alvernon, AZ

  • DriveTime Used Cars, AZ

  • Cactus Auto Company, AZ

  • APS Auto Sales & Leasing Used Cars, AZ

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

  • Len’s Auto Brokerage, AZ

  • Smart Motors, AZ

  • Cactus Jack’s Auto Tucson, AZ

  • Car World, AZ

  • Dependable Auto Sales, AZ

  • Did you know? These BHPH Tucson AZ 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 Tucson 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.

  • Byrider Tucson, AZ

  • Tucson Auto Sales, AZ

  • Arizona Fleet IM, AZ

  • Craycroft Auto Sales, AZ

  • Truck Stop Inc, AZ

  • The phrase buy here pay here Tucson AZ 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. Tucson 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.

  • J & S Wholesale, AZ

  • Pars Auto Sales, AZ

  • Camel Motors, AZ

  • Why buy here pay here Tucson 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 Tucson 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 Tucson 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 Tucson AZ Works

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

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

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

    While buy here pay here Tucson 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 Tucson 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.

    Tucson AZ buy here pay here Reviews

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

    1. buy here pay here Tucson dealer review by Eric Carpenter

      Eric Carpenter rated The Car Lot

      Tremendous customer service and answered every question I had leading up to the sale. They stayed in communication with me every day over the week and gave me options to secure the vehicle so I didn't have to rush down from Phoenix. Zero pressure and up front descriptions of the vehicle, even blemishes I could not see in the pictures. I never once had reason to doubt their honesty or integrity. Chris, thank you for an easy going buying experience! I recommend anybody to talk with Chris about a purchase, you won't be disappointed. The finance side of the house was equally impressive. Roman, I appreciate you catching an error in down payment and answering my questions with full informed statements. You really helped me feel comfortable with purchasing a preowned vehicle with some years on it. The warranty you offered gave me peace of mind and I'm thankful you took the time to ensure the areas of concern I had were factually covered by it. You guys are the real deal and I appreciate your sincere honesty and help through this buying process. This was a first for me. I love the Ram and look forward to putting it to work!

    2. buy here pay here Tucson dealer review by Linda A

      Linda A rated The Car Lot

      Best experience with a car dealership I've ever had. Daniel and Roman are as straight up accurate and no BS as you will ever find. I bought my car without seeing it in person, and it was exactly as described. I love it!

    3. buy here pay here Tucson dealer review by Valerie Valenzuela

      Valerie Valenzuela rated Zano Cars – Alvernon

      Buying a car is a huge undertaking! With Zano cars, they made it a breeze for me! I got an excellent car for an awesome price! I could trust them to give me the best deal & was a great help to me throughout the whole process from beginning to end! If you are thinking about purchasing a vehicle, I highly recommend Zano cars! I have already told all my friends that they have to go here! You don't be disappointed!

    4. buy here pay here Tucson dealer review by LoraLyn Bender

      LoraLyn Bender rated Zano Cars – Alvernon

      I worked with Daniel Ortiz after seeing my dream car online. I was able to email & text all the necessary info to get prequalified & after travelling from Phoenix to Tucson & arriving 1/2 hour before closing was given fast, professional service & was able to drive away in my new car! Daniel was awesome, I was surprised to see such a young man after texting & emails for a week! He & Hector gave me straightforward courteous service, I would recommend them to anyone! -LoraLyn Bender

    5. buy here pay here Tucson dealer review by Christian Alexander

      Christian Alexander rated DriveTime Used Cars

      I was very pleased with this place!!! Exceptional help and customer service, worked long and hard to get me approved and it paid off. I promise you won't be let down, unless you let yourself down. Was able to drive away in a nice reliable vehicle the same day. Would highly recommend.

    6. buy here pay here Tucson dealer review by Juan Romero

      Juan Romero rated DriveTime Used Cars

      I came into Drive Time completely lost on how to purchase a vehicle, when I walked in I Jenn greeted me and helped me through the ENTIRE car buying process, Aswell as her coworker Miranda helped me with most of the paper work, I would 100% recommend Drivetime to a friend looking for a vehicle. They helped me tremendously. I drove off with a 2015 Mitsubishi Lancer ES.

    7. buy here pay here Tucson dealer review by Jennifer Becerra

      Jennifer Becerra rated Cactus Auto Company

      Bought my van here and I love it! Great friendly staff! Bob was friendly and knowledgeable. I was new to the car buying process. . .they walked us through everything. Made sure they answered all of our questions. We got a great deal on an amazing car and will buy from them again!

    8. buy here pay here Tucson dealer review by Rebecca Oakes

      Rebecca Oakes rated Cactus Auto Company

      Purchased my 2014 Nissan Altima from this dealership. Shuan helped me choose the perfect car, while Bob took care of the financing process. They helped me find the car which suited my needs and price range, and worked hard to get the financing I needed. I didn't think it was going to be possible for me to drive off the lot with the car of my dreams - but apparently it was! Everyone I spoke to at the dealership was friendly, honest, and helpful. As stressful as buying a new car can be, they definitely made it a positive and pleasant experience!

    9. buy here pay here Tucson dealer review by Denise Salazar

      Denise Salazar rated APS Auto Sales & Leasing Used Cars

      This dealership is small but has a good selection of cars. Al made the car buying experience easy and straightforward. We never felt pressured or misled. We were happy to be able to support this local neighborhood business. We got a great deal and Al made sure we got the best interest rates and insurance by making some phone calls himself . We will definitely return for routine maintenance in the future. Car fax report was also provided.

    10. buy here pay here Tucson dealer review by Behnam Safavinia

      Behnam Safavinia rated APS Auto Sales & Leasing Used Cars

      I bought a luxury 2016 BMW 328i. I had talked to the dealership prior to the purchase and organized the desired vehicle. After I saw the car I fell in love and it has been my best vehicle purchase yet! With the help of Mr. Al, I was able to finance the vehicle with a great rate. AP's auto sales is a family friendly dealership where they respect the costumers! I 100% suggest this dealership for any purchase.

    11. buy here pay here Tucson dealer review by Raymond&Carissa Ramirez

      Raymond&Carissa Ramirez rated Len’s Auto Brokerage

      We bought my wife a vehicle here based on a recommendation from our mechanic. Our sales person Matthew was excellent. Great energy, knowledgeable and made everything EASY. We did have an issue with our vehicle 2 times within the first two weeks and that’s where this review earned a 5 star from us. I never judge businesses based on their 5 star rating but, only by the way they deal with issues. These guys had the integrity to fix the issues and Everything has been awesome since. I would and will look to them first when I need another vehicle.

    12. buy here pay here Tucson dealer review by Sarah Laydon

      Sarah Laydon rated Len’s Auto Brokerage

      We had been thinking about getting a bigger car for our growing family and happened to stop by Len's to look at what they had. We saw one we liked, test drove it and fell in love. Tim helped us the entire time and made the process super simple. He was also super friendly and nice to our daughter. We will definitely be back if we need another vehicle.

    13. buy here pay here Tucson dealer review by Brenda Bouraima

      Brenda Bouraima rated Smart Motors

      John was super helpful and easy to work with. I didn’t feel pressured like most dealer ships I’ve been to. They helped me find the best vehicle that also fit my taste and what I wanted. I’m super grateful to be able to work with John and the rest of his team. I had a great time!!

    14. buy here pay here Tucson dealer review by Jami Baker

      Jami Baker rated Smart Motors

      Five stars aren’t nearly enough to rate my experience at smart motors. John Tumlin is by far the nicest car person I have ever met. He’s patient and genuine and super friendly. Good job smart motors! He’s an asset to your company.

    15. buy here pay here Tucson dealer review by Nichi Angulo

      Nichi Angulo rated Cactus Jack’s Auto Tucson

      My son was ready to buy his first new used car and we heard other great things about them from friends and family. We walked on the car lot and the sales team member came and greeted us. In a five to ten minute chat my son was a professional car shoppers. The car buying was easy and simple and in no time Lisa Frocks had sold my son his car. She was so great and a very pleasant to talk to. THANK YOU so much Lisa and Cactus Jack team!

    16. buy here pay here Tucson dealer review by Nathan Roy

      Nathan Roy rated Cactus Jack’s Auto Tucson

      Super helpful service as soon as I arrived I was greeted. They got me on the road in a new vehicle in less an hour.

    17. buy here pay here Tucson dealer review by Ericka Morrison

      Ericka Morrison rated Car World

      Had a fantastic experience here!! My daughter's first time financing/buying a vehicle and I came along to help "protect her from the sharks". Boy was I wrong. No pressure, everyone was kind and helpful! They took the time to explain everything to her step by step. We got a great deal on a great vehicle!! Our mechanic was impressed with what good shape the car was in! Marcos took good care of us, I highly recommend him and Carworld.

    18. buy here pay here Tucson dealer review by Brent Nebeker

      Brent Nebeker rated Car World

      A great place to.look for a used car at a reasonable price. Al and the whole team there treated us great as we tested 3 cars, with no pressure on us to buy. We finally chose a Mazda 5, and my wife is quite happy. Finance Guys were totally up front with us, no back of hand stuff like I have experienced elsewhere here in Tucson. Car World seems to specialize in cars with higher mileage at a good price point. I will add more as time goes on. I intend to come back when I have a need for another automobile.

    19. buy here pay here Tucson dealer review by Saul Navarro

      Saul Navarro rated Dependable Auto Sales

      Customer service was great. They really work with you and fast as well as having great newer selection of cars and trying to hold cars for as long as they can for you if you really work with them. I very much recommend Dependable Auto Sales for newer buyers or anybody in that case.

    20. buy here pay here Tucson dealer review by Bryan Green

      Bryan Green rated Dependable Auto Sales

      I just bought a 2002 Chevrolet Avalanche March 4th 2018 and I absolutely love it. Dependable Auto Sales are a great place to go if you are in need of a great deal and awesome cars for every need you have. The sales team and staff are very friendly and helpful and are not afraid to work with you. So I am saying again go to Dependable Auto Sales its the right choice with the right prices.

    21. buy here pay here Tucson dealer review by Sharon Baker

      Sharon Baker rated Byrider Tucson

      They were great to deal with. Manny was so nice and professional. He explained everything so I could understand it. I got a very nice reliable vehicle. The man in finance was very nice also.

    22. buy here pay here Tucson dealer review by anna tice

      anna tice rated Byrider Tucson

      These people are so honest and upfront about every detail, in the process and if you have any questions they answer without any run around. If you have bad credit, they work with you to establish credit. They do not judge getting a car off of your credit score; they go off your income. They work with you on what you can afford. Also, not once did I feel pressured into buying any vehicle in fact they give you the keys so you can test drive it on your own and you make the choice woth out feeling as if you have to get something. I highly recommend going to these amazing people and I promise you they will help you. I worked with Jeff, the financial manager and Enmanuel the sales rep. These two are amazing. This company is incredible. They make the entire process easy and fast .Thank you byrider!

    23. buy here pay here Tucson dealer review by Gerhard de Beer

      Gerhard de Beer rated Tucson Auto Sales

      I don’t like the process of buying a car because of all the different type of sales people you encounter but this is the perfect place to buy a used vehicle. Josh is not limited to just his lot. He worked hard for me to find the vehicle I wanted. 2 weeks later I’m driving off the lot with a spectacular price and the EXACT truck I wanted. Couldn’t be any happier with my experience.

    24. buy here pay here Tucson dealer review by Cindy Case

      Cindy Case rated Tucson Auto Sales

      Our family recently purchased a Ford Ranger from Tucson Auto. Overall experience was fantastic. We were greeted by Shelby, who was friendly, knowledgeable and service oriented. He listened to what we were looking for and didn't want to waste our time. We were satisfied with the incredible deal they offered. There was no sales pressure and they let us take our time looking at the truck. Everything was easy and speedy, including the paperwork. Wonderful experience, highly recommend this dealership!

    25. buy here pay here Tucson dealer review by arnold galvan

      arnold galvan rated Arizona Fleet IM

      Great place to buy a car..

    26. buy here pay here Tucson dealer review by Jeremy Cox

      Jeremy Cox rated Arizona Fleet IM

      Worked with Taha, was very honest and showed me cars within my budget and put me in the perfect car. Minor things came up with the car and he was able to get all those things taken cared of immediately and now the car is running smoothly with no complications. Would definitely recommend this place!

    27. buy here pay here Tucson dealer review by gabrielle painter

      gabrielle painter rated Craycroft Auto Sales

      I had a wonderful experience with the team at Craycroft auto! They were very accommodating and met my needs in a somewhat uncertain time. Reuben was wonderful to work with and found me the car that worked best for me and my family. Tony was super on point with explaining my finance options and was very informational. Would recommend to friends and family!

    28. buy here pay here Tucson dealer review by Rachel Munoz

      Rachel Munoz rated Craycroft Auto Sales

      Was in the market for a new vehicle. Stopped at Craycroft Auto-sales and had the best experience purchasing a new vehicle! Ruben and the finance manager were so helpful to my husband and myself! They were professional, knowledgeable, helpful and very kind! I am so thankful we decided to stop there! I highly recommend anyone looking to purchase a new vet to go see them!

    29. buy here pay here Tucson dealer review by Joe Ko

      Joe Ko rated Truck Stop Inc

      Stopped by truck stop inc yesterday dealt with satchel my experience here was amazing. Fast friendly no hassle no B.S. I was in and out of there with my 2007 Chevy Silverado in about an hour and a half no joke.. if you need a truck and want fast and friendly hassle free service just come here and see satchel he’s the man. If I could of give 10 stars I would.. don’t go anywhere else just drop by truck stop inc I promise you won’t be Disappointed

    30. buy here pay here Tucson dealer review by Calvin Jones Jr.

      Calvin Jones Jr. rated Truck Stop Inc

      Went in for a truck and was in and out of there within 2 hours start to finish. I would recommend going to the Truck Stop if you want to save time and money on a pre-owned truck,

    31. buy here pay here Tucson dealer review by Mario Ramos

      Mario Ramos rated J & S Wholesale

      Been doing business with Bruce since 2012. He has sold me two very decent cars since then and I couldn't be more happy. Bruce is very reasonable and knowledgeable person who will work with you. The front man Matthew is also very good at what he does and is a real down to earth guy. He is always very professional. J & S is worth a visit and the chance to help you out of a tough situation.

    32. buy here pay here Tucson dealer review by Timothy Welty

      Timothy Welty rated J & S Wholesale

      I love the customer service, great place to get a car if your credit is a bit dinged.

    33. buy here pay here Tucson dealer review by Arturo Renteria

      Arturo Renteria rated Pars Auto Sales

      Nice place treat you real good

    34. buy here pay here Tucson dealer review by Michael Hicks

      Michael Hicks rated Pars Auto Sales

      Amazing mike and Ron are amazing. Never had issuew . love my car they are even working onngetting me into something bigger . Made buying my car very easy and quick with no judgement.

    35. buy here pay here Tucson dealer review by Allen Westman

      Allen Westman rated Camel Motors

      I worked for them, great place to work,and do biusness.

    BHPH Tucson AZ dealer

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