Top 13 Buy Here Pay Here Dealers in Virginia Beach VA

Looking for a used car dealer in Virginia Beach VA but your credit is in bad shape?

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

  • I Motors Inc, VA

  • G & H Sales, VA

  • Express Motors, VA

  • AUTO MAX, VA

  • 1 Stop Auto, VA

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

  • Shoreline Auto Center, VA

  • Family Motors III, VA

  • Marlin Motors Wholesale Inc., VA

  • Beach Auto Sales, VA

  • East Coast Auto Sales, VA

  • Did you know? These BHPH Virginia Beach VA 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 Virginia Beach 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.

  • Tidewater Auto Sales, VA

  • Image Auto Sales, VA

  • Pembroke Auto Sales, VA

  • Why buy here pay here Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA Works

    When the bank says no to your car loan, the buy here pay here Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA Car lots Dealership

    The one thing is very true about buy here pay here Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA – Fast Approval Low or no credit score

    The buy here pay here Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA 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 Virginia Beach VA

    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 Virginia Beach VA

    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 Virginia Beach VA, then credit score of that customer must be above 600. Anything below 600 only leads to application rejection.

    While buy here pay here Virginia Beach VA 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 Virginia Beach VA 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.

    Virginia Beach VA buy here pay here Reviews

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

    1. buy here pay here Virginia Beach dealer review by W Menefee

      W Menefee rated I Motors Inc

      Great place to buy a used car! Very friendly staff and fair deals on used cars makes this my top pick for purchasing a good used auto.

    2. buy here pay here Virginia Beach dealer review by Jim Weber

      Jim Weber rated I Motors Inc

      Best place and guys I have ever bought a car from! No BS "sell' em a car attitude. Just genuinely friendly, professional guys (sales & finance) who let me buy a car. No pressure on add on products when I said "No thank you." 3month power train warranty! Thanks guys. You run a great business!

    3. buy here pay here Virginia Beach dealer review by Elwood Mayfield

      Elwood Mayfield rated G & H Sales

      Giving 5 stars right now because this dealership is the s-word! I was in a bind and needed a car ASAP. I went today and I was surprised to see how busy they were since it’s a small lot. HOWEVER, they don’t let their lot size stop them from competing with the best. The approval process is so straight forward and such a breeze. They let me PICK which car I ACTUALLY want and didn’t get frustrated when I tried different options. The down payment listed is what I paid and not a penny more. All vehicles come with a warranty which helped ease my mind about buying. Payments super affordable. Staff is very friendly and yet professional. I would recommend. As long as my car doesn’t have any major issues anytime soon I will be returning, guaranteed.

    4. buy here pay here Virginia Beach dealer review by Pamela Billups

      Pamela Billups rated G & H Sales

      Great service!!!! Fast and friendly...affordable. Dave was awesome and got us into the car of our choice and we absolutely love it. No credit check!!!!

    5. buy here pay here Virginia Beach dealer review by JaNelle Payne

      JaNelle Payne rated Express Motors

      I had a great experience at Express Motors. I made my purchase online and via phone around the first weekend in November 2018 and retrieved the vehicle a few days later. I traveled from Richmond, VA to the train station in Norfolk, VA, where the owner Joey picked me up in the 2009 Nissan Pathfinder I’d purchased and drove me to Express Motors in Virginia Beach, VA to complete the transaction. I’d already secured financing from VACU with an extended mechanical vehicle protection plan included and tendered the check to Christine, due to the transaction occurring mid-day Saturday I could only receive 30-day tags, but Christine mailed my hard tags to me once they arrived. Both Joey and Christine made the transaction easy and enjoyable, they have great personalities and are extremely helpful. After having the vehicle for a week, the check engine light appeared, a sensor was needed and it was going to cost $350 to replace. I called Christine and asked if the local mechanic at Express Motors could replace the part, she agreed. I purchased the parts needed and drove from Richmond, VA to Virginia Beach, VA. I met the mechanic, he opened the building so I could stay warm and within 30 minutes I was headed back home, part replaced, check engine light off; the only thing I gave up was a little gas money and time, but it was well worth it. Recently, I noticed the vehicle was “bouncy” I took it to a local shop in Richmond, VA and the passengers side propeller shaft and universal joint needed to be replaced (a known issue with this make and model), because I purchased a mechanical vehicle protection plan, I only had to pay a $100 deductible. Needless to say, when you purchase a used vehicle you need to take precautions to protect your purchase and due to the helpfulness, honesty, and professionalism I received from Express Motors, I recommend that you give them a try. If they have another vehicle, I’m interested in purchasing in the future, I’ll definitely purchase from there again.

    6. buy here pay here Virginia Beach dealer review by Dave Gr

      Dave Gr rated Express Motors

      Great place, customer service is fantastic. Christine and Joey are awesome. Great buying experience. We looked at several lots but Express Motors was great! Highly recommend them.

    7. buy here pay here Virginia Beach dealer review by S-Static G

      S-Static G rated AUTO MAX

      I am extremely pleased with the overall service of this establishment. The staff was very helpful, friendly, & professional. There was no stress, pressure, or hidden agendas. Everything was explained to me in a comprehensive manner, all the while the sales associate remained pleasant, calm, & down to earth. The staff have great & humorous personalities, and the vehicle I purchased from this dealership is AMAZING!

    8. buy here pay here Virginia Beach dealer review by Nellie M.

      Nellie M. rated AUTO MAX

      I walked on this lot knowing exactly what I wanted. Manny gave me a great deal and I felt 100% comfortable. Definitely worked around my budget, Also this being my first car…I got a great deal on a newer edition that I could’ve got for thousands at another location. Over my experience was the best here and happily I walked off with a car that I wanted from the start and definitely stayed in my budget. AutoMax, Norfolk is where you guys need to look! Quality vehicles at the right prices!!!!!

    9. buy here pay here Virginia Beach dealer review by Christopher Rappo

      Christopher Rappo rated 1 Stop Auto

      Very nice and friendly people. Ken was very nice and the process was very simple and quick. I would definitely go back there. They gave a better deal w/12 mo warranty, free state inspection and $10 oil change. Definitely would recommend 1 stop auto to anyone looking for used cars.

    10. buy here pay here Virginia Beach dealer review by N0F1LT3R

      N0F1LT3R rated 1 Stop Auto

      I called twice before I came here. Once to ask if the car was a convertible and the second to go check it out and let them know I was in route. When I got there the car I was interested in was pulled up to the front doors and in extremely clean condition. Suddenly, a gentleman came out to introduce himself and I immediately thought to myself "great, here goes the sales pitch and "deal" and you have to buy this car right now" speech. However, I was very wrong. The man gave me an hour off the lot with the car to take to a mechanic to check it out. Everything checked out. I got to make my own decision without the pressure. Customer service was excellent and future assistance with traveling was very helpful. Anyway, I came back and before the end of the day, I bought the car, I was in and out with paperwork completed within 20 minutes. It's been a month and a half since I made my purchase and I could not be more pleased. It was a very nice relief and the customer service has remained great since. I definitely plan to buy another car here, especially as well taken care of classic car which I purchased. Thank you all so much.

    11. buy here pay here Virginia Beach dealer review by Jeremy Jones

      Jeremy Jones rated Shoreline Auto Center

      I rode 2.5 hours to visit the dealership. Mike met me within minutes of driving up on the lot. The vehicle I drove up to look at ended up not meeting expectations. At no point, however, did Mike ever try to up sale the vehicle or pressure me into making a purchase. I did see another vehicle on the lot that I was interested in. It was getting late and toward closing time, but Mike never rushed me at all. I arrived shortly after 6 pm and by 7:40 pm, I had test driven 2 vehicles and completed the entire purchase and that time even included some time to just sit and talk for a little bit. When I returned to NC I had the truck inspected by a friend in the car business just to see if there were any underlying issues to be aware of. His words were "that's is in as good of shape as I've seen for a 2005 truck of its kind". Top notch used vehicle with excellent service from Mike. It's 2.5 hours away, but I'd visit again if the need arose.

    12. buy here pay here Virginia Beach dealer review by Mike Carter Shoreline

      Mike Carter Shoreline rated Shoreline Auto Center

      Brannon Soles: Mike Carter was very helpful and had the car I was looking for a long time. Office is very clean and staff is very curtious. I would recommend Shoreline Auto and Mike Carter to everyone!!

    13. buy here pay here Virginia Beach dealer review by Danielle Blount

      Danielle Blount rated Family Motors III

      Jasmine is my girl! Women of her word! She came through for me.. came all the way from North Carolina. This is the place. Great suv for me and all my kids. Thank you Jasmine !!! and Melvin. Y’all are the Best!

    14. buy here pay here Virginia Beach dealer review by Andre Pannell

      Andre Pannell rated Family Motors III

      What a wonderful experience. Family Motors made this easy, painless and stress free. Their customer service was wonderful. Sheila and Jasmine were great! They tag teamed to get me into a new vehicle quickly, then made sure I was comfortable and satisfied with my purchase. Thanks! If you need a vehicle, give Sheila a call!

    15. buy here pay here Virginia Beach dealer review by Jessica Young

      Jessica Young rated Marlin Motors Wholesale Inc.

      I got a car from there about a month ago,I don't have 1 complaint. They took very good care of me. They made sure that I had a reliable vehicle. I will forever be grateful for the help I received from everyone, Tasha you rock!!!!

    16. buy here pay here Virginia Beach dealer review by chasity williams

      chasity williams rated Marlin Motors Wholesale Inc.

      When everyone said no you guys said yes...I’m extremely thankful to the marlin motors family for assisting me in getting a awesome truck!!! Great customer service through the whole process...They work extremely hard to get me finance and I can’t say thank you enough.. I now have transportation for me and my kid.. and I love my new truck!!! Thank you Thank you Thank you!!!!

    17. buy here pay here Virginia Beach dealer review by Josh Outten

      Josh Outten rated Beach Auto Sales

      As a first time car buyer, Jacob Wiley was incredibly helpful. He spent the time to listen to and understand me and my family's goals, desires, and needs in buying my first car. Jake did an excellent job at showing me cars of different sizes, styles, and prices, etc., to help me pinpoint exactly what I wanted. Throughout the process he was transparent and available around the clock, answering any questions and helping the process go very smoothly and stress free. I would highly recommend Jake to anyone who is looking to buy a car; whether it is your first time or you’ve purchased multiple, Jake and his team will be a great resource!

    18. buy here pay here Virginia Beach dealer review by Kee Ron

      Kee Ron rated Beach Auto Sales

      big shoutout to Jacob on my new F150. Made the process smooth and easy. Make sue to ask for him.

    19. buy here pay here Virginia Beach dealer review by T Marie

      T Marie rated East Coast Auto Sales

      This place is amazing. They sell as is cars so you get what you pay for but this place was a very easy going car buying experience no pressure at all for me. Test drive the car by myself like wow. Loved it was in an out getting my car next week. Will update with more as my process is closed.

    20. buy here pay here Virginia Beach dealer review by Shahara Dudley

      Shahara Dudley rated East Coast Auto Sales

      I tiffany dudley purchased the 2007 Cadillac escalade from east coast auto and i am beyond pleased with their services. They are fsst professional and caring.

    21. buy here pay here Virginia Beach dealer review by david broner

      david broner rated Tidewater Auto Sales

      Great sales staff very helpful in selecting the right vehicle for my needs

    22. buy here pay here Virginia Beach dealer review by Jim Sweeney

      Jim Sweeney rated Tidewater Auto Sales

      A great place to buy a vehicle! David, the sales associate was great. Not pushy or trying to sell something I didn't want. There were mechanical issues with the vehicle, but all were addressed with no complaint. The owner, Darrel, went out of his way to ensure I was happy with my purchase. I watched their mechanic, John work and was impressed with his ability to tear an engine apart and put it back together to fix the problem with my vehicle. All in all a very agreeable experience! Thanks, guys.

    23. buy here pay here Virginia Beach dealer review by Missie Dugger

      Missie Dugger rated Image Auto Sales

      I had a wonderful experience with Eric I have brought 3 cars and no problems and got my titles and paid them all off. We will continue to purchase a car from here. Love you Images Auto Sales

    24. buy here pay here Virginia Beach dealer review by Jasmin Chise

      Jasmin Chise rated Pembroke Auto Sales

      I came here in desperate need of a vehicle a lot of places wouldn’t help me because of my credit and repos but I was able to get a 2015 car with affordable down payment and reasonable car payment I could’ve cried really thought I was going to get turned down and they gave me a chance I definitely would recommend this place to anybody they don’t judge off of credit especially Maurice and he was nice and professional and the process was easy and fast I was only there for a hour and some change

    25. buy here pay here Virginia Beach dealer review by Calvin Gray

      Calvin Gray rated Pembroke Auto Sales

      This place is great to get a car. The staff is kind, friendly and work with you.

    BHPH Virginia Beach VA dealer

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