Top 9 Buy Here Pay Here Dealers in Utah UT

Looking for a used car dealer in Utah UT but your credit is in bad shape?

Connect with top 9 buy here pay here Utah UT car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Utah'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 Utah UT

  • Markosain Auto – St. George, UT

  • Ultimate Auto Sales of Orem, UT

  • Rocky Mountain Motor Cars, UT

  • Hurricane Car Lot Inc, UT

  • Autocraft Autos, UT

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

  • Rich’s Cars N Credit, UT

  • Rocky Mountain Motors, UT

  • Bitton’s Auto Sales, UT

  • A Lot of Cars, UT

  • Why buy here pay here Utah UT 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 Utah UT 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 Utah UT 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 Utah UT Works

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

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

    The buy here pay here Utah UT 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 Utah UT 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 Utah UT 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 Utah UT

    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 Utah UT

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

    While buy here pay here Utah UT 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 Utah UT 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.

    Utah UT buy here pay here Reviews

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

    1. buy here pay here Utah dealer review by Eric LaTour

      Eric LaTour rated Markosain Auto – St. George

      I had an amazing experience purchasing a car with Isaac Brewer today! He made the whole process very easy, quick and straight forward! Without the help from Isaac and Markosian auto I would be without a car!

    2. buy here pay here Utah dealer review by Jesse Cowden

      Jesse Cowden rated Ultimate Auto Sales of Orem

      I bought an awesome Subaru Crosstrek from Ultimate Auto Sales yesterday. Jake was so chill and helpful! I have always bought private party cause i normally hate dealerships. Ultimate Auto Sales gives you the benefits of a dealership, but the feel of buying from a private party. Go work with Jake or Jason and they will help you get a great car, at a great price, and no pressure that you will get at any other dealership. Thanks Jake!

    3. buy here pay here Utah dealer review by Michael Brown

      Michael Brown rated Ultimate Auto Sales of Orem

      Jason and Jake are extremely stand up individuals and they run a good business. I am a researching beast when it comes to big purchases and I found the exact vehicle I wanted to purchase and began shopping around. I went to 4 different dealerships and was not all that impressed. Ultimate Auto Sales was my final stop and the vehicle I was looking at was VERY clean and in fantastic condition. The interesting fact is that after looking around their lot I noticed that all of the vehicles they sale are in very clean condition. I can tell that they are picky with their inventory; which is peace of mind to me as a buyer. The whole process was very smooth and they had me approved through an auto loan broker who shops all the best rates around within minutes. 2 hours later I returned to sign documents and drive home my newly purchased vehicle. I work in Customer Service and train a lot of people and their level of service was something rare that you don't see very much. They were warm, welcoming, honest, detail-oriented, and trustworthy. I will definitely be back for my next purchase!

    4. buy here pay here Utah dealer review by Julia Wilson

      Julia Wilson rated Rocky Mountain Motor Cars

      I'm a first time buyer with not fantastic credit. Carl has been great with helping me through this process. He's awesome! I highly recommend coming to Rocky Mountain Motors. You'll receive a great experience! Thank you so much for you're help!

    5. buy here pay here Utah dealer review by Elena Pedroza

      Elena Pedroza rated Rocky Mountain Motor Cars

      My name is Maria in 2014 I found Rocky Mountain Motor Cars on a Car magazine, at the time I lived in Springville, UT. It was a blessing for me that I found that car magazine and immediately called Kelly in the Ogden location while I was at work, he provided me with all the information that was required to have my own vehicle. I was without a vehicle so the bus was my transportation and riding my Mountain bike to work wasn't what I expected but it was sure worth the struggle. I took the Front-Runner from Provo to Ogden to make the down payment on my first vehicle a 2004 Mercury Grand Marquis. I test drove two other vehicles prior to that. I remember after making my car payment I had to write down my code that was four or six numbers into a device that was like a GPS installed under the steering wheel area. Then went in and had it removed since there is newer Technology. It's Spectacular. In 2017 I went to the Pleasant Grove location called and spoke with Carl about seeing an SUV online he mentioned it was still there he went out of his way for me and was nice enough to wait for me after hours, we did the trade-in for a 2007 Jeep Patriot 4×4 and then last year June of 2018 I did my last trade in for a 2014 Jeep Patriot again in the Ogden location with Kelly. Each and Everytime everyone has been so helpful and kind. They all treat you like you're Family. Kelly helped me on my first and third vehicle, and as always I've left with a smile on my face and with so much happiness it's hard to explain. What a joy it truly is. Almost like a kid with their new toy! I love the smell of a fresh car from their dealer it's quite pleasant! They're there for you when you need them and listen to you if you have any concerns or issues whatsoever. The finance manager works with you on the car payments. They're Easy going and straight forward people. If anything happens or your car breaks down they have a Towing Service as well a big thank you to Horacio for getting my first two vehicles towed and one to the shop in Pleasant Grove. I like that I can have a peace of mind that they provide your vehicle with a 2 year warranty also. I love that the Finance Manager helps build your CREDIT. I want to let everyone know that I highly recommend them out of all the other dealers in Utah I would not go elsewhere. I have had the most amazing experience with Rocky Mountain Motor Cars. A big thank you to Kami my Finance Manager, she is such a lovely Woman! Thank you all ....Kelly, Kami, Eddie, Carl & Horacio. THANK YOU Rocky Mountain Motor Cars keep on rocking! You guys are absolutely the BEST. And Timberline Financial. I would love to rate you guys at 10 stars. 100% Satisfied Customer. ~Maria

    6. buy here pay here Utah dealer review by C. Aaron Westegaard

      C. Aaron Westegaard rated Hurricane Car Lot Inc

      Honestly the best place in town to buy a vehicle. The sales staff is very knowledgeable and friendly. The prices are very reasonable and they offer in house financing. Mia was able to answer all my questions about my truck purchase and gave me a fair offer on my trade in. Now if I could just get my wife to let me buy that motorcycle. ? Thanks again ladies!

    7. buy here pay here Utah dealer review by Kyle Decker

      Kyle Decker rated Hurricane Car Lot Inc

      Honest and Friendly sales staff. Very straight forward and will work with you to meet your needs. Their staff of highly capable mechanics offers excellent and knowledgeable auto repair services as well.

    8. buy here pay here Utah dealer review by John Mulholland

      John Mulholland rated Autocraft Autos

      You can tell how good a place is when there is a problem. I had a problem with my purchase and Nelson made sure to take really good care of me.

    9. buy here pay here Utah dealer review by tyson keele

      tyson keele rated Autocraft Autos

      I am a first car buyer. I haven't even bought the car yet but Nelson was very kind and very honest with me about the car. He has actually been willing to work with me on finding a very nice care. Definitely would recommend 10/10

    10. buy here pay here Utah dealer review by Sara Chadburn Vazquez

      Sara Chadburn Vazquez rated Rich’s Cars N Credit

      I just want to take a moment and let everyone know how amazing these people are! My husband, brother in law & I have all gotten cars from this dealership. They got all of us amazing deals! My husband got himself a Dodge Ram Truck, in perfect condition. Perfect track on the wheels, paint in perfect condition, lights like new, etc... etc... my brother in law got a Jeep Grand Cherokee with beautiful black paint, beautiful rims, also with amazing track on the tires. In the middle of last year I got a Chrysler 200, today I went in to switch out my car for an SUV because my husband & I are expecting & I we both wanted a family friendly car, they showed us this BEAUTIFUL Buick but it was a bit above our price range... but thanks to Jacob & Blake they helped us get it in our price range. Now we have that beautiful Buick in our garage. I’m very excited to see our baby in that car with us?? I definitely recommend to anyone & everyone to come get a vehicle from these guys. I promise that these guys will take good care of you & give you only the best! They always have a good attitude, they’re very talkative & want to find the perfect car that fits for you & your family!

    11. buy here pay here Utah dealer review by Tyler Sadler

      Tyler Sadler rated Rich’s Cars N Credit

      Although we ended up going with another dealer I was very pleased with the service and selection. Great cars and very good price. One suggestion would be keep not the cars washed.

    12. buy here pay here Utah dealer review by Chris Johnson

      Chris Johnson rated Rocky Mountain Motors

      I would highly recommend checking this place out next time you are in the market for purchasing a new car. They were very helpful and not pushy in getting me exactly what I needed and were able to find the right car for me!

    13. buy here pay here Utah dealer review by Ashton

      Ashton rated Bitton’s Auto Sales

      I had an amazing experience today with some really amazing people they helped my husband and I get a great car, the gentleman who helped us was very friendly, and extremely upfront with us about any issues with any of the cars I highly recommend that if you are looking for a good used car come to these guys!!!!!

    14. buy here pay here Utah dealer review by Valerie Smith

      Valerie Smith rated Bitton’s Auto Sales

      I had a very good experience with purchasing a car from Craig. Very honest and helpful. If you are looking for a descent used car, I suggest Bitton's Auto Sales.

    15. buy here pay here Utah dealer review by Vance Shurtliff

      Vance Shurtliff rated A Lot of Cars

      Had a wonderful experience, probably the best experience I have had at a dealership! I dislike buying cars but they had great service, were not pushy, and just friendly good sales staff. They were upfront and straight forward and thoroughly answered any questions we had! They gave us a good and fair price for the car we bought! I would definitely shop here again!!!

    16. buy here pay here Utah dealer review by andy alik

      andy alik rated A Lot of Cars

      Got a vehicle from them, my credits not good but they try their best to help me get what i need. Highly recommend these place. The people works here are great people to work with, especially to Chad, the person who works with me on my new vehicle, he helps me get a vehicle with a low payment and also help me reinstate my insurance. Thumbs up to these guys and will highly recommend them..thanks guys

    BHPH Utah UT dealer

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