Top 11 Buy Here Pay Here Dealers in Virginia VA

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

Connect with top 11 buy here pay here Virginia VA car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Virginia'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 VA

  • Auto Energy, VA

  • Downtown Auto Sales , LLC, VA

  • Car Credit Nation, VA

  • Select Automotive, VA

  • Cars R Us, VA

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

  • USA Auto Sales, VA

  • Northside Auto Sales, VA

  • A & G Auto Sales, VA

  • BayShore Used Auto Sales, VA

  • Cars Plus, VA

  • Did you know? These BHPH Virginia 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 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.

  • B & B Auto Sales Inc, VA

  • Why buy here pay here Virginia 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 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 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 VA Works

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

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

    The buy here pay here Virginia 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 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 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 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 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 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 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 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 VA buy here pay here Reviews

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

    1. buy here pay here Virginia dealer review by Andrea Deramus

      Andrea Deramus rated Auto Energy

      This is by far the best dealership to buy a vehicle, the customer service was amazing and I want to thank everyone at Auto Energy for helping my family get the best vehicle for us. If your looking for a good clean vehicle go see Auto Energy. Thanks again Auto Energy we love our Ford Explorer....

    2. buy here pay here Virginia dealer review by Chrystal Stevens

      Chrystal Stevens rated Auto Energy

      Good place to go. The owner is a great guy.

    3. buy here pay here Virginia dealer review by Lawrence Collier

      Lawrence Collier rated Downtown Auto Sales , LLC

      Clay went above and beyond to make me feel comfortable in my buying experience. He let me test drive any car on the lot with no questions asked and I was able to take the vehicle to my mechanic and have him look it over and Clay didnt budge. He was beyond confident in his product. He even stood by his product and offered me a 6 months powertrain and transmission warranty when I was only expecting 3 months. I am beyond pleased and satisfied with the level of service demonstrated here. If and when I decide to purchase another used vehicle chil has left me no choice but to choose downtown motors without question.

    4. buy here pay here Virginia dealer review by Frank Miller

      Frank Miller rated Downtown Auto Sales , LLC

      They treat you like family, nice friendly service, we'll be definitely be a returning customer. Their upfront about everything you need to know about the Vehicle.

    5. buy here pay here Virginia dealer review by Darin Colhouer

      Darin Colhouer rated Car Credit Nation

      Outstanding customer service and satisfaction. Offers extended warranty on most vehicles. Better than a new car dealer service department. After you have checked out the rest try the best. !!!Car Credit Nation!!!

    6. buy here pay here Virginia dealer review by Nichole Johnson

      Nichole Johnson rated Car Credit Nation

      I was in a bind and needed a car ASAP due to a total loss of my other car. They got me in a car same day no hassle! Dave was great to work with. Will definitely recommend.

    7. buy here pay here Virginia dealer review by elizabeth Johnson

      elizabeth Johnson rated Select Automotive

      I bought a 2012 mini from Tracy. It was the BEST and most pleasant buying experience I've ever had. The check engine light was on and the inspection was up in a month...they inspected the car, replaced the brakes...I didn't pass inspection, and changed the O2 sensor. The next day my car began to ride rough...I call and tell them the check engine light is on again...they pay to fix it again....2 spark plugs and coils....mind you I didn't purchase a warranty and they didn't have to replace anything. I can not recommend them enough

    8. buy here pay here Virginia dealer review by Veda Manning

      Veda Manning rated Select Automotive

      Anita was very professional, genuinely helped me in my car buying process and answered all of my questions. All of the staff were friendly; customer service oriented and work together to take care of their customers. I love my vehicle and I haven’t had any issues. I have a reliable vehicle and I made a great choice!

    9. buy here pay here Virginia dealer review by Brandy Pannell

      Brandy Pannell rated Cars R Us

      Friendly service and great prices! If you are looking for a nice ride at a reasonable price, I highly recommend checking out Cars R Us!!!

    10. buy here pay here Virginia dealer review by P M

      P M rated Cars R Us

      Going to derby. Great people great work on my truck

    11. buy here pay here Virginia dealer review by Jessica Bates

      Jessica Bates rated USA Auto Sales

      We are extremely happy with our purchase. Made things very easy and smooth.

    12. buy here pay here Virginia dealer review by Veronica Jones

      Veronica Jones rated USA Auto Sales

      Far is a Great guy to deal with he made the car buying experience very smooth.I would definitely buy another car from him if I had too.

    13. buy here pay here Virginia dealer review by april hopper

      april hopper rated Northside Auto Sales

      I have gotten 3 vehicles from here, and love it. Tom, and Jeri are the best!! They work with you. Very affordable

    14. buy here pay here Virginia dealer review by Donald Rose

      Donald Rose rated Northside Auto Sales

      Less than a year after purchasing my 5th car from them I had catastrophic engine failure. Without a warranty they worked with me to replace the engine without financial ruin. These folks are wonderful and I wholeheartedly recommend them to anyone looking to buy a good used car from a great dealership!!!

    15. buy here pay here Virginia dealer review by Liz Dwyer

      Liz Dwyer rated A & G Auto Sales

      My Dad has been buying cars from A&G for a while now. I came a few weeks ago because I know this is the place to go where I won't be hassled or shaken down for a bunch of of additional ad ons. I wanted a BMW and A&G delivered exactly what I wanted at a price that was actually even more reasonable than I planned. Thank you so much A&G! I'll be back :)

    16. buy here pay here Virginia dealer review by Terrie Lynn

      Terrie Lynn rated A & G Auto Sales

      I am so pleased with my recent experience at A&G Auto. As a first time car buyer, Angela was very informative and patient through the entire process. I’m still amazed how smooth and quick everything went. I walked in nervous and walked out confident with a vehicle that I’m really happy about. I would strongly recommend this car dealer to my friends and family.

    17. buy here pay here Virginia dealer review by Mohammad Morley

      Mohammad Morley rated BayShore Used Auto Sales

      Update: have brought several cars here for various maintenance matters. Price is always fair, service is fast and timely, convenient location, what's not to love? Randy and his team does a great job. A nail has been in my run flat tires for a couple months now. Been too lazy to get it fixed, and definitely too broke to get it replaced (especially when they're brand new tires). Anyways, it has gotten to the point where my weekly air fill ups have become a daily thing, and this morning when I started the car the pressure was ridiculously low. I'm all for risking it, but not like that. Anyways, found this place on yelp and decided to drop by. Fast, efficient, friendly, and economical. $18 bucks to plug the hole, in and out in 20 minutes...I'm talking about the tire. Had I known it'd be this easy I would've gotten it done sooner.

    18. buy here pay here Virginia dealer review by Jason  Hall

      Jason Hall rated BayShore Used Auto Sales

      was the best car buying situation I have ever had...the staff is awesome and they get the job done. if your looking for a car...I highly suggest to check them out..i would most deff buy from them again..top notch dealer...thank you andre and amber....love my truck

    19. buy here pay here Virginia dealer review by Kenneth Scott

      Kenneth Scott rated Cars Plus

      First me say this the staff there is very friendly. We bought a car from them and it was very nice. No light was on the dash and drove good also. I pulled the vin up and there was nothing show up wrong with the SUV or anything. They give you a chance to take it to your shop and have them look it over before you buy from them. So far everything was great. Thank you Cars Plus and everyone there.

    20. buy here pay here Virginia dealer review by lilmama

      lilmama rated Cars Plus

      Great place they work with you

    21. buy here pay here Virginia dealer review by Kandace Kiser

      Kandace Kiser rated B & B Auto Sales Inc

      Love this place!!! Got my jeep here today!!!

    22. buy here pay here Virginia dealer review by kathy lampkins

      kathy lampkins rated B & B Auto Sales Inc

      I just want to say I had the best experience buying our used truck at B&B Auto. I know both my kids has bought trucks from them. My husband and I we treat with kindness and respect. They were very helpful with knowledge of the vehicle we were buying. We had actually looked a different vehicle buy waited to long but this fault was that ours. Christy and her husband Kevin Brewer thank you for making a buying experience I'll definitely remember as a great one and will definitely be back for another vehicle in the future.

    BHPH Virginia VA dealer

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