Top 17 Buy Here Pay Here Dealers in Vancouver WA

Looking for a used car dealer in Vancouver WA but your credit is in bad shape?

Connect with top 17 buy here pay here Vancouver WA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Vancouver'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 Vancouver WA

  • Dick Hannah Dick Says Yes Vancouver, WA

  • Dunn Deal Auto Sales, WA

  • Dick Hannah Volkswagen, WA

  • Art Kuzma Motors Inc, WA

  • Vancouver Car Company, WA

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

  • Carr Vancouver Buick GMC, WA

  • CarMax, WA

  • Dick Hannah Ram Truck Center, WA

  • Vancouver Toyota, WA

  • Dick Hannah Jeep, WA

  • Did you know? These BHPH Vancouver WA 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 Vancouver 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.

  • Alan Webb Chevrolet, WA

  • Lino’s Autos Inc., WA

  • Vancouver Truck Center, WA

  • Used LLC, WA

  • Hot Wheels LLC, WA

  • The phrase buy here pay here Vancouver WA 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. Vancouver 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.

  • Hazel Dell Motors, WA

  • Keith’s Auto Sales Inc, WA

  • Why buy here pay here Vancouver WA 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 Vancouver WA 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 Vancouver WA 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 Vancouver WA Works

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

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

    The buy here pay here Vancouver WA 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 Vancouver WA 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 Vancouver WA 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 Vancouver WA

    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 Vancouver WA

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

    While buy here pay here Vancouver WA 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 Vancouver WA 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.

    Vancouver WA buy here pay here Reviews

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

    1. buy here pay here Vancouver dealer review by Empire Llc

      Empire Llc rated Dick Hannah Dick Says Yes Vancouver

      Our car just broke down, and we needed a new one before Monday so we can go to work and take kids to school. We came in with 3 kids, our intent was to give our pay stubs to see if we qualify for a loan and than come back later in the day to look at cars. Jim took our papers and within 3 minutes found a vehicle that would fit our "big" family. Within 5 minutes said he would be able to work with our credit score to get us the vehicle that we were interested in. We left to run some errands, while driving we found a different car on the website. Called Jim and he was able to run some numbers for us. We came back an hour later. Test drove the car, signed the papers. Now, we are the HAPPY owners of a 2015 Honda Odyssey ex-l. It even has a mini cool box and a DVD player that keeps the kids from fighting. Jim was easy to work with and upfront. Straight to the point. BY FAR THE Best experience buying a car. thank you, thank you, thank you!!!!

    2. buy here pay here Vancouver dealer review by jessica arneson

      jessica arneson rated Dick Hannah Dick Says Yes Vancouver

      Nic was absolutely great I didn't have a good experience talking to one of the workers over the phone and was considering not even moving forward with purchasing from you guys but I figured I'd show up for my appointment and see what we had to do to get into a car but nic was amazing and got us into a car that day!

    3. buy here pay here Vancouver dealer review by Dave Bean

      Dave Bean rated Dunn Deal Auto Sales

      Terrific experience. No pressure, friendly, very good pricing!

    4. buy here pay here Vancouver dealer review by Matt Duhamel

      Matt Duhamel rated Dunn Deal Auto Sales

      Excellent service! I found a very nice 1988 Mazda B2200 that I'm very happy with. They have been very helpful even after my purchase. I highly recommend.

    5. buy here pay here Vancouver dealer review by Nicole Baughman

      Nicole Baughman rated Dick Hannah Volkswagen

      Great experience over all with buying a new car. Was welcomed instantly by Kevin with a great attitude, very friendly and helpful. You can tell it is in there best interest not to be pushy but to help you find the car you want. Had a little bit of a wait for financing but that’s to be expected especially short handed that day. It was a easy smooth process and I’ll definitely be coming back when it’s time to trade in for a new car later in the future.

    6. buy here pay here Vancouver dealer review by Lissa Erwin

      Lissa Erwin rated Dick Hannah Volkswagen

      Quick, easy, no major bs and left happy. I think we went through the whole car buying process in like 3 hours. It helps to do your research first and figure out what kind of car you want, or at least narrow it down to 2.

    7. buy here pay here Vancouver dealer review by Jackson Sillars

      Jackson Sillars rated Art Kuzma Motors Inc

      This was by far the best car buying experience I've ever had. Drove from Olympia to buy a car and it was worth every mile. Alan & Nathan know how to treat customers and make sure you walk away happy with your purchase and happy with the transaction from beginning to end. I'll definitely be back next time I need a vehicle. Wish more used car dealers had this much integrity and honesty.

    8. buy here pay here Vancouver dealer review by nick peck

      nick peck rated Art Kuzma Motors Inc

      What an awesome guy. Went in with girlfriend on January 28th and and had nothing we wanted. But helped us out of the rain and cold and looked around the internet to help us find the right van for us. Thanks again Art. We will return and send you as much business as possible.

    9. buy here pay here Vancouver dealer review by Cameron Grayson Reville

      Cameron Grayson Reville rated Vancouver Car Company

      Best car dealer experience I've had. After searching for a truck and going to numerous dealerships, seeing first hand rip offs and rusted trucks from out east and Canada, the fake personality sales pitch, this place stood out. Good vibes from walking on to the lot. No pressure, real, genuine family business!! Got back a $60 licensing check in the mail. I recommend anyone looking for a vehicle to give this company your business.

    10. buy here pay here Vancouver dealer review by Connie Gee

      Connie Gee rated Vancouver Car Company

      Had a great experience and bought same day. The cars were so clean. They have their own shop too and they can do regular maintenance after you buy. They also have great approval rates on their loans. No pressure at all. Great experience. Already looking forward to buying again from Vancouver Car Company.

    11. buy here pay here Vancouver dealer review by Mick Clements

      Mick Clements rated Carr Vancouver Buick GMC

      Bought my new GMC 3500 over the phone and on line with Cody Halsey. Probably the easiest buying experience I've had. Then Cody brought the new truck to my front door and it was everything I expected. Great price and fair trade value, I recommend Carr to anyone looking for a new ride. What a great experience! Thank you!

    12. buy here pay here Vancouver dealer review by Madam Mim

      Madam Mim rated Carr Vancouver Buick GMC

      I haven't had a car in a few years, and I was nervous about the process--but Carr made it painless and fast. Travis was helpful and attentive, and I'm already looking forward to buying a second vehicle from them next year! As an essential worker myself, I also appreciate the steps they've taken to keep things clean and maintain social distance, too. They care about their staff and their customers. Thanks, y'all!

    13. buy here pay here Vancouver dealer review by Mary Schramm

      Mary Schramm rated CarMax

      My husband urged me to go to CarMax to look fo a car, I really didn’t expect to find my car I was going to buy so easily. I strolled around the parking lot with some strong requirements in my head. The perfect car was there waiting for me. The experience was a good one. I enjoyed Celeste who helped me with my purchase, she even stayed after she was supposed to be off to finish her transaction. Thanks for making the process easy.

    14. buy here pay here Vancouver dealer review by Mildred Robinson

      Mildred Robinson rated CarMax

      Our shopping experience was perfect. We really appreciated the privacy of letting us look around and it gave us a chance to figure out what we wanted. The person who assisted us with the purchase made it easy . I also appreciated how secure I felt our information was protected. Would definitely recommend them to anyone interested in buying a car. Our daughter bought a car from them and had the same great experience. Thank you CARMAX. ?

    15. buy here pay here Vancouver dealer review by Carlos Cruz-Reyes

      Carlos Cruz-Reyes rated Dick Hannah Ram Truck Center

      My husband and I went a few weeks ago to look to see what’s out there , after we where done looking around they we told them what we where doing , the best part is they where not pressuring us to buy right now. We did leave without buying on that day , but we did came back and My salesman, Josh Zamora , He went above and beyond to help me get the truck I wanted and reasonable payment price! I highly recommend him to anyone!! And the staff are friendly too . Thanks again we love our Ram truck Tina & Diego

    16. buy here pay here Vancouver dealer review by Steve Prince

      Steve Prince rated Dick Hannah Ram Truck Center

      I just got my 2500 Laramie Mega cab and I love it. My salesman was Bobby and he was a great guy to work with. He was low key but extremely knowledgeable and before I left with my truck he took a lot of time making sure I was hooked up to bluetooth and understood many of the functions of the touch screen actions. If you go in ask for Bobby and you won't be disappointed.

    17. buy here pay here Vancouver dealer review by Zack Davis

      Zack Davis rated Vancouver Toyota

      The smoothest and least stressful experience I've had buying a new vehicle. Dustin King my sales person went above and beyond to take care of me and got me exactly what I wanted out of my truck! Everything was completely transparent and he was extremely thorough in explanation of everything from every detail on the loan paperwork to the features and functions of my new truck. Plus finance had me in and out. Overall a pleasent experience! 10/10 would buy my next Tacoma here again!

    18. buy here pay here Vancouver dealer review by Benjamin B

      Benjamin B rated Vancouver Toyota

      They're excellent on customer service very knowledgeable employee's just great experience absolutely recommend to visit this place.

    19. buy here pay here Vancouver dealer review by Deisha Kimiko

      Deisha Kimiko rated Dick Hannah Jeep

      What a great experience working with Chandler Forbes! He definitely made it a breeze for us as soon as we got in. I came in stressed and unhappy and left extremely satisfied and comfortable with a brand new 2020 Jeep Cherokee Latitude! We sure got the best deal that works for us and mostly he listened to what we were wanting feature wise. I'm so happy now esp with space for our new edition to our growing family! Thank you again Chandler for canceling your appointment just to help us get into a car we needed! He is the man to see if you are looking to purchase, my husband and I definitely recommend him! God Bless you for helping us ?

    20. buy here pay here Vancouver dealer review by Nicky H

      Nicky H rated Dick Hannah Jeep

      We went here today after going back and forth with a few other dealerships who were not able to find something to meet our needs. We worked with Joe and immediately knew he was trying to help us and he made us feel comfortable with him right away. He listened to what we needed and made it work! We are so happy we went there. I highly suggest going to see Joe next time you are looking for a car.

    21. buy here pay here Vancouver dealer review by Rick Arnold

      Rick Arnold rated Alan Webb Chevrolet

      I was so impressed when I bought my wife’s SUV I went back to buy my truck 3 months later. Amazing sales people. I’ve been around and have experienced those dealership games NOT HERE! They are straight shooters. Mason my salesman was Prior Military , like myself and we got along well. The service department is great too, making it a pleasant experience all around. The. At below is my old school toy. I’m a car guy and thought people might like seeing the 1969 Charger.

    22. buy here pay here Vancouver dealer review by Rachael Durrance

      Rachael Durrance rated Alan Webb Chevrolet

      We came in just to test drive but the experience was so effortless we actually came home with a new car! Mason, our salesman, was nice and accommodating to our budget. I never felt pressured which is the main reason we ended up purchasing. The finance guys were also very helpful and friendly. All around great experience and great staff!

    23. buy here pay here Vancouver dealer review by paisley km

      paisley km rated Lino’s Autos Inc.

      Lino is wonderful! I purchased a car 3 years ago here and it has been super reliable. Came in since saw a vehicle that I like and though the car has a few issues, he is going to see if it's the fuse/relay and will get back to me. Otherwise I would of bought the car after test drive.

    24. buy here pay here Vancouver dealer review by Jessica Simon

      Jessica Simon rated Lino’s Autos Inc.

      I came in back in January to help my dad find a car after a terrible car accident. The owner was so wonderful and helpful. My dad loves his new van and has had no issues. I highly recommend A and L!

    25. buy here pay here Vancouver dealer review by Mike Cooper

      Mike Cooper rated Vancouver Truck Center

      Sergio and Tyson did an amazing job during the purchase of my car. Sergio went above and beyond to find me the best financing. This is an outstanding place to buy a vehicle, truck or car. I highly recommend them!

    26. buy here pay here Vancouver dealer review by Jay Freeman

      Jay Freeman rated Vancouver Truck Center

      I showed up to view a car they had on their website. Lee the sales lady was polite, respectful and not pushy at all. We went to look for a few other cars that I saw online, but they ended up getting sold while I was out testdriving the first car, (maybe the web team could be a little faster on updating the inventory?). Honestly the only hold up was my own insurance company.

    27. buy here pay here Vancouver dealer review by Angel Sederburg

      Angel Sederburg rated Used LLC

      I worked with SCOTT & DANNY to purchase my car. They were both very professional and personable and made my car buying experience painless! No high pressure. I told them exactly what I could do, and within 30 mins the deal was done. The aftercare has been exceptional! They have worked with my to fix a few items on my car and I am very happy!!!! Recommend them highly!!!!

    28. buy here pay here Vancouver dealer review by Samantha French

      Samantha French rated Used LLC

      My husband and I came in to look at buying a used car. The process was nothing but painless, and the sales people were knowledgeable and incredibly helpful! We absolutely recommend Used LLC! We will be return customers for sure!!!! A special thanks to Gabe and Dan, you two are a pleasure to work with.

    29. buy here pay here Vancouver dealer review by Michelle Rader

      Michelle Rader rated Hot Wheels LLC

      I had a great experience buying a car from these folks. I was a bit hesitant, being a female with little knowledge on vehicles as a whole. But Augie and Gage were so helpful and put me at ease right away. I felt that the whole transaction from beginning to end was very transparent. They will get my business again.

    30. buy here pay here Vancouver dealer review by Tom McCauley

      Tom McCauley rated Hot Wheels LLC

      I bought a truck here. I love it. Go in and talk to Augie, he'll treat you right.

    31. buy here pay here Vancouver dealer review by Kayla Dunn

      Kayla Dunn rated Hazel Dell Motors

      Bought my first car here, looks sketchy but the guys running it are actually pretty cool and give good deals (:

    32. buy here pay here Vancouver dealer review by Judy Doyle

      Judy Doyle rated Hazel Dell Motors

      Bought my car there 3 yrs ago, looking for something bigger. Have been honest and curtious,

    33. buy here pay here Vancouver dealer review by IDGAFA

      IDGAFA rated Keith’s Auto Sales Inc

      I read the only other review of Keith's Auto Sales and can understand why the person felt angry about her car purchase. So, let me start out by saying that I have dealt with Keith's since moving to Vancouver six years ago. The person that I have mostly dealt with is a very nice, down to earth, unfailingly honest person. Yesterday I spent five hours looking at, starting up and test driving four different cars. Laurie was out there the whole time with me in the 86 degree heat. I have also dealt with a gentleman named Alan. He to, was polite, friendly, and when the car I wanted to test drive had a brake pad stuck to the brake rotor due to rust he had me move the car to the back of the lot. He explained that he would need to jack up the car and remove the rim. It was late in the day on a Friday, so he asked if I wouldn't mind returning on Monday, which I did. The car was ready, had almost half a tank of gas and was ready to go for the test drive. I think it is important to mention that Keith's has THE lowest prices of ANY car dealer on the Highway 99 Auto Strip. There are a few things to remember when looking at the lowest priced cars. 1.) They are used! Keith's has no way of knowing how the previous owners took care of them. Common sense should tell any used car shopper that used cars will have issues and always deferred maintenance as well. If you are paying less then 3000 to 4000 for a used car it is wise to take it to a mechanic for evaluation. Keith's is perfectly happy and comfortable with having a buyer do this. Yes, it may cost you some on the mechanics inspection, but then, as a buyer, you know whether to give the car a pass, are willing to spend the money fixing various things and performing deferred maintenance. If you are, then negotiate for your best price. I went to a VERY reputable local dealer here in the smaller town where I reside. I bought a nice used KIA and paid 3000.00 (before tax and license) using a car loan from my credit union. This car had 108,000 miles when I bought it. I should have taken my own advice! Even though my highly trusted mechanic said that it had been well cared for, there was still 2000.00 dollars of deferred maintenance to be done. I had budgeted for this, so went ahead and had the work done. Now the car is just great. 2.) Turn to the internet. There are forums, owners clubs, general articles, You Tube videos, basically all kinds of information on the cars that are sold here in the U.S.A. Do a little research yourself. Known issues are often written about and discussed for all makes and models. Know what you are buying. 3.) Be open and honest with whoever is helping you. If they pressure you because they work on commission, understand that, but by all means, feel free to use your feet and get up and leave. (Note: Don't ever give up your car keys or Driver's License (unless they make a copy and hand it back to you for purposes of taking a test drive) This mostly applies to large "Major Brand" car lots that sell new and used cars. 4.) Most smaller used car dealers will not pressure you to buy that very day. But, if they do. Say NO and go home to think about it. I have NEVER been pressured at Keith's to buy a car. My experience with them has always been 100 percent positive. If you are looking for an inexpensive used car, be a sensible shopper with realistic expectations, and follow the above guidelines I am sure you will have a very enjoyable car buying experience at Keith's.

    BHPH Vancouver WA dealer

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