Top 12 Buy Here Pay Here Dealers in Tuscaloosa AL

Looking for a used car dealer in Tuscaloosa AL but your credit is in bad shape?

Connect with top 12 buy here pay here Tuscaloosa AL car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Tuscaloosa'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 Tuscaloosa AL

  • Next Owner Automotive, AL

  • American Car Center – Tuscaloosa, AL, AL

  • Byrider Tuscaloosa, AL

  • Townsend Automotive Tuscaloosa, AL

  • Auto Depot, Inc., AL

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

  • Car-Mart of Tuscaloosa, AL

  • Tuscaloosa Wholesale Lot, AL

  • Harco Automotive & Performance, AL

  • West Alabama Wholesale, AL

  • AutoMax USA Inc, AL

  • Did you know? These BHPH Tuscaloosa AL 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 Tuscaloosa 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.

  • Contemporary Automotive, AL

  • Colvin Auto Sales & Services LLC, AL

  • Why buy here pay here Tuscaloosa AL 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 Tuscaloosa AL 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 Tuscaloosa AL 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 Tuscaloosa AL Works

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

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

    The buy here pay here Tuscaloosa AL 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 Tuscaloosa AL 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 Tuscaloosa AL 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 Tuscaloosa AL

    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 Tuscaloosa AL

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

    While buy here pay here Tuscaloosa AL 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 Tuscaloosa AL 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.

    Tuscaloosa AL buy here pay here Reviews

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

    1. buy here pay here Tuscaloosa dealer review by Triple B Trials

      Triple B Trials rated Next Owner Automotive

      Great people! Very impressive dedication to their customers. While I didn't get a car from them, the owner went above my expectations and took a ten minute video of a vehicle I had interest in. Not only did he showcase the outside, he even showed in the video the interior and how everything worked. We are in South Carolina, and we ended up finding a vehicle much closer to home. I was looking for a highly optioned vehicle and Next Owner Auto had what I was looking for. I was ready to do the deal and at the last moment I found one closer to home- had we not found it, I wasn't going to hesitate to do the nearly 12 hour drive to their dealership. The owner was even willing to set up transport and was perfectly comfortable with having a shop of my choice do an inspection of the vehicle I was interested in. Highly recommend this dealership!

    2. buy here pay here Tuscaloosa dealer review by Katherine Burroughs

      Katherine Burroughs rated Next Owner Automotive

      Harry and Heather were Amazing to work with. This is a family owned business and they treat you like you are a part of their family. They listened to our needs and offered advice when we were torn between two vehicles. Their inventory is impressive and their automotive knowledge is superior to any I have found. I highly recommend this business if you are in the market for a quality pre-owned vehicle!

    3. buy here pay here Tuscaloosa dealer review by Chilanda Zellars

      Chilanda Zellars rated American Car Center – Tuscaloosa, AL

      I am proud to say that I am a new customer of American Car Center and the treatment that I received when I was there from my salesman WILLIE NERO was really awesome. This young man was truly a God send he went out of his way to get me in a vehicle and to make sure I was satisfied. So when you get a moment stop by make sure you ask for him you will truly be taken care of. I appreciate all his help and kindness family for life

    4. buy here pay here Tuscaloosa dealer review by Sharon Cole

      Sharon Cole rated American Car Center – Tuscaloosa, AL

      American Car Center Tuscaloosa was awesome. Jessica was amazing! She was very friendly and helpful with everything! The manager and other staff members were friendly and helpful as well! Great team work. Thank y’all so much! Would definitely recommend 100% !

    5. buy here pay here Tuscaloosa dealer review by Rebecca Hatten

      Rebecca Hatten rated Byrider Tuscaloosa

      Everyone is incredibly sweet and helpful. They are honest and hard working. Highly recommend them all!

    6. buy here pay here Tuscaloosa dealer review by Jeremy Montgomery

      Jeremy Montgomery rated Byrider Tuscaloosa

      I love this place! Ms Sarah Kohler was our salesperson and she is amazing!! I would definitely recommend her to anyone!! Thanks Sarah you rock

    7. buy here pay here Tuscaloosa dealer review by Paula Correal

      Paula Correal rated Townsend Automotive Tuscaloosa

      You can’t go wrong when supporting local, family owned business. The staff is friendly, welcoming, and will answer any question/concerned you might have! I have purchased two Honda’s from them and my sales person was by my side from the moment I walked in until the minute I left. He made sure that my car was going to fit my life perfectly in both a personal and financial level. I couldn’t be happier with my purchase. Thanks for what y’all do!!!

    8. buy here pay here Tuscaloosa dealer review by Matt Green

      Matt Green rated Townsend Automotive Tuscaloosa

      I have known the Townsends for years. Both as a customer and an employee. They always treated me fairly as both. Good people.

    9. buy here pay here Tuscaloosa dealer review by John McW

      John McW rated Auto Depot, Inc.

      Steve is an honest guy who truly cares about his customers. Great guy with great prices.

    10. buy here pay here Tuscaloosa dealer review by Mary Hildreth

      Mary Hildreth rated Auto Depot, Inc.

      We have now bought two cars here and I couldn't be happier. Good prices, and a warranty. They are reasonable people and very helpful. Go here if you are looking to buy a used car. They finance you too.

    11. buy here pay here Tuscaloosa dealer review by Ineshia Williams

      Ineshia Williams rated Car-Mart of Tuscaloosa

      Went in yesterday and purchased. Even without big money to put down. They honored what they said and took my trades and made it work. Darrell did everything in his power to get me in my new whip. The whole team worked with me and even waited until I got all my paperwork down before they closed up for the day. I’m loving my Infiniti. Thanks y’all. Even worked the whole day with them. I feel like part of the team?

    12. buy here pay here Tuscaloosa dealer review by Adriauna Alston

      Adriauna Alston rated Car-Mart of Tuscaloosa

      The customer service is amazing here. As soon as you walk in you feel welcomed. They will make sure you are well taken care of.

    13. buy here pay here Tuscaloosa dealer review by Kacee Snipes

      Kacee Snipes rated Tuscaloosa Wholesale Lot

      MR BOYCE YOU LEFT A REVIEW ON WRONG BUSINESS THEY HAVE NEVER HAD A DARRYL AT THIS LOT HE WORKS NEXT DOOR WHICH IS NO WAY AFFILLATED WITH TUSCALOOSA WHOLESALE NOT THE SAME BUSINESS

    14. buy here pay here Tuscaloosa dealer review by Marsha Hayes

      Marsha Hayes rated Tuscaloosa Wholesale Lot

      Very nice inventory....no junkets. Easy to work with and very affordable on newer models than anywhere else. Very pleased with the deal my son got.

    15. buy here pay here Tuscaloosa dealer review by Bill Akers

      Bill Akers rated Harco Automotive & Performance

      I CAME TODAY AFTER 3 FRUSTRATING DAYS OF BEING GIVEN THE RUN AROUND. THESE GUYS, BILLY AND SHANE WERE STRAIGHT FORWARD AND HONEST ALONG WITH BEING PATIENT. THEY SOLD ME WHAT I COULD AFFORD AND IS THE MOST RELIABLE. THANK YOU SO MUCH HARCO.- FROM JASMEN ARON

    16. buy here pay here Tuscaloosa dealer review by Jamin Carter

      Jamin Carter rated West Alabama Wholesale

      Go see Nick at West Alabama Wholesale, he is the absolute greatest. In just a matter of minutes he had me in my dream vehicle. Excellent service and great selection! I highly recommend for anyone looking for a great used vehicle.

    17. buy here pay here Tuscaloosa dealer review by Geo Garcia

      Geo Garcia rated West Alabama Wholesale

      Great place! Friendly staff !!! Best place in town to buy a car!

    18. buy here pay here Tuscaloosa dealer review by Timothy Thrasher

      Timothy Thrasher rated AutoMax USA Inc

      Great service and very nice vehicles. So many it is hard to choose from. We ended up with the 2016 mustang

    19. buy here pay here Tuscaloosa dealer review by Glenda Tubner

      Glenda Tubner rated AutoMax USA Inc

      My husband and I purchased a Pre- Owned 2015 Nissan Rogue. I truly love my ride it handles well and we were treated like family! It was a great experience and a great purchase that I really needed because of my back, my previous car was to low to the ground. Need help call them and check them out!

    20. buy here pay here Tuscaloosa dealer review by Tanner Musick

      Tanner Musick rated Contemporary Automotive

      Best car buying experience I've ever had, hands down. The entire staff at Contemporary Automotive went above and beyond for me in every step of purchasing my next vehicle. I had the pleasure of working with an excellent salesman, Ben Loving in my experience. He was extremely helpful and very patient with me while deciding on a vehicle. Also the managers Sam and Bart were very helpful throughout the entire process. They communicated very well with me through every step of the deal and treated me like I had known them for years. All great folks here at Contemporary, let these people help you with your next vehicle purchase and you will not regret it!

    21. buy here pay here Tuscaloosa dealer review by PJ McKendrick

      PJ McKendrick rated Contemporary Automotive

      I’ve purchased my last two vehicles at Contemporary Automotive. I can’t say enough about the quality service that they give. They aren’t pushy at all and honestly want to help you find a vehicle within your financial means. Jacob was great to work with. He’s very knowledgeable and easy to work with.

    22. buy here pay here Tuscaloosa dealer review by Passinate Richard

      Passinate Richard rated Colvin Auto Sales & Services LLC

      Great customer service and fast business with good quality vehicles ?

    23. buy here pay here Tuscaloosa dealer review by Doreen Richardson

      Doreen Richardson rated Colvin Auto Sales & Services LLC

      Great service,quality vehicles @ a good affordable price.

    BHPH Tuscaloosa AL dealer

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