Top 17 Buy Here Pay Here Dealers in Waco TX

Looking for a used car dealer in Waco TX but your credit is in bad shape?

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

  • Opportunity Used Cars LLC, TX

  • Drive Casa – Waco, TX

  • Woodway Car Center, TX

  • Berry Motor Company, TX

  • CMC Auto Group, TX

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

  • Northcrest Auto, TX

  • Byrider Waco, TX

  • Toby’s Autos, TX

  • Massey Motors, TX

  • Public Automotive Group Waco, TX

  • Did you know? These BHPH Waco TX 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 Waco 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.

  • Hillside Auto Sales Inc, TX

  • Holders Auto Sales, TX

  • Tracy’s Auto Sales, TX

  • Kotie’s Cars LLC, TX

  • Herring Auto Sales, TX

  • The phrase buy here pay here Waco TX 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. Waco 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.

  • KP Motor Co, TX

  • Car Barn, TX

  • Why buy here pay here Waco TX 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 Waco TX 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 Waco TX 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 Waco TX Works

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

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

    The buy here pay here Waco TX 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 Waco TX 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 Waco TX 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 Waco TX

    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 Waco TX

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

    While buy here pay here Waco TX 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 Waco TX 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.

    Waco TX buy here pay here Reviews

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

    1. buy here pay here Waco dealer review by Angel Shilling

      Angel Shilling rated Opportunity Used Cars LLC

      This guy is super nice. He worked with us on our down payment and when we had an issue with our newly purchased vehicle, he helped us fix it! 5 stars only because I cant give 10

    2. buy here pay here Waco dealer review by nancy hernandez

      nancy hernandez rated Opportunity Used Cars LLC

      Excellent customer service. I found me a great SUV at an awesome price. Esteban was able to answer all my question and explain every paper possible before I signed it. He made buying a car easy. Thank you so much. Definitely will recommend to anybody looking for a good quality car at a great price.

    3. buy here pay here Waco dealer review by Kathleen Johnson

      Kathleen Johnson rated Drive Casa – Waco

      Drive Casa is truly a wonderful car lot. I have bought cars before and I have never had a better experience. The salesmen at this location are very knowledgeable and love what they do. Issac was extremely helpful and very friendly even though it was a busy day for him, he didn't let that frustration show when helping me. He and Santiago made the wait there fly by and made it a truly great car buying experience.

    4. buy here pay here Waco dealer review by Jeffrey Armstrong Jr.

      Jeffrey Armstrong Jr. rated Drive Casa – Waco

      Santiago was an amazing salesman. He was very kind and helped me out tremendously. I was able to find a reasonable priced vehicle and I recommend him to anyone!!

    5. buy here pay here Waco dealer review by Adam McCarty

      Adam McCarty rated Woodway Car Center

      Helpful, understanding and super chill people to work with. Definitely would recommend for anyone looking to buy a car.

    6. buy here pay here Waco dealer review by Jimmie Anselmi

      Jimmie Anselmi rated Woodway Car Center

      I've bought two cars at Woodway. The staff is great, very friendly & super customer oriented. I have referred family & friends who have bought cars there as well. Their inventory is always impressive it's hard to choose.

    7. buy here pay here Waco dealer review by Janet Ramirez

      Janet Ramirez rated Berry Motor Company

      Hey folks! If you are looking for a nice dependable car then go visit the guys at Berry Motor Company. They got us in a 3 year old car which is beautifully classy. Ask for Billy Joe or Cody. They will work hard to get you a car. And I promise, you will love it.

    8. buy here pay here Waco dealer review by Jerremy Brinson

      Jerremy Brinson rated Berry Motor Company

      Berry Motor company is a fantastic place to get yourself a vehicle. I am a first time buyer and they absolutely went above and beyond to get me the best deal they could. They will work with you no matter what and will always make sure you are satisfied and happy with your purchase. 11/10 would recommend.

    9. buy here pay here Waco dealer review by Stefan Whittaker

      Stefan Whittaker rated CMC Auto Group

      In purchasing a new truck, we chose to work with CMC Auto for two reason: they had the truck we wanted and they had excellent reviews online. The experience with Jeff and Justin was straight-forward and honest with no BS. We put our cards on the table and my wife and I walked away with a new (to us) Z71 Silverado. - We'll be back for all future vehicle purchases.

    10. buy here pay here Waco dealer review by Jesus Guerrero

      Jesus Guerrero rated CMC Auto Group

      The guys at CMC Auto made this car buying experience really helpful and stress free. They were not pressuring me into buying the car. It was a very nice car at a reasonable price. They were pretty straightforward with the way things work with them. Nothing to complain about. I would recommend these guys to anyone looking for a nice vehicle.

    11. buy here pay here Waco dealer review by Mindy B

      Mindy B rated Northcrest Auto

      My husband and I drove from the DFW area to buy a van on their lot. Russell was very kind and gracious as my husband and I mulled over the decision. He never put pressure on us, and I was so grateful to be able to look at the van without a salesperson hanging over us. We are excited about our new van and will definitely check this dealership next time we are car shopping. If you are looking for a no pressure dealer, this is your place!

    12. buy here pay here Waco dealer review by Christina Miller

      Christina Miller rated Northcrest Auto

      Just bought a 2010 Ford F-150 from this business. They were very friendly and answered questions we had about the vehicle. I definitely would do business with them again.

    13. buy here pay here Waco dealer review by Wayne Smith

      Wayne Smith rated Byrider Waco

      Very helpful on getting people back on top ask for Michael tell him Wayne sent you. Came down 3/17/20 and talked with Mike, great guy,easy to understand what was being said. I really didn't think I had a shot. Mike seen that I did. Waco BYRIDER the way to best reestablish your credit. Low down payment.

    14. buy here pay here Waco dealer review by Brittany Poltrock

      Brittany Poltrock rated Byrider Waco


    15. buy here pay here Waco dealer review by Brian Rosenbaum

      Brian Rosenbaum rated Toby’s Autos

      The best lot in waco..

    16. buy here pay here Waco dealer review by FnDTX

      FnDTX rated Toby’s Autos

      Toby's Auto Sales is not only is is a great place to buy your next vehicle, but they're also owner operated. Which gave our buying experience the personal touch. I have been doing business with Toby's for over 12+ years. Great prices with great financing options. Go check then out, you won't be disappointed.

    17. buy here pay here Waco dealer review by Steve Kushner

      Steve Kushner rated Massey Motors

      Massey Motors helped me when no one wanted to. I am more than greatful to Eddy and Kevin for the way they conducted business. I would definitely recommend Massey Motors to anyone looking to buy a car.

    18. buy here pay here Waco dealer review by Tod Monroe

      Tod Monroe rated Massey Motors

      This is a great place to shop for cars owners and management are exceptional as far as trying to help you, payments are very reasonable cars of very reliable

    19. buy here pay here Waco dealer review by Roseanna Reed

      Roseanna Reed rated Public Automotive Group Waco

      Nicho provided great customer service. It was a very busy day but he was able to get me in a car today. The manager had my car delivered from Temple and had me ready to go.

    20. buy here pay here Waco dealer review by Arris Stanley

      Arris Stanley rated Public Automotive Group Waco

      Good salesman

    21. buy here pay here Waco dealer review by Marcus Brown

      Marcus Brown rated Hillside Auto Sales Inc

      Great place to do business at for nice use car.

    22. buy here pay here Waco dealer review by brenda correll

      brenda correll rated Hillside Auto Sales Inc

      I absolutely love getting my vehicles from Hillside Auto. I'd paid off a Camry and a few years late was in need of transportation and called Toby he said. come on in and I'll get u in a car and I didn't have no down payment but was able to leave in a car of my choice and came back in later that week with my down payment. Toby is fair and understanding of every day struggles and is willing to work with you when times. are hard.Leslie is always willing to help you when you call as well.Thanks to you all at Hillside Motors for such great service and friendly service.i would highly recommend Hillside Motors.Brenda Correll

    23. buy here pay here Waco dealer review by Glen Farell

      Glen Farell rated Holders Auto Sales

      These guys were wonderful! I never thought I’d be able to say this, but I finally found a car dealer I trust. Todd clearly had my best interest in mind from the beginning. I’ll be coming back when I need a new vehicle, for sure.

    24. buy here pay here Waco dealer review by Naziah Gang !!

      Naziah Gang !! rated Holders Auto Sales

      Todd one of the best salesman’s in Waco tax he work with you and get you what u need for the price u can afford almost done paying my 2012 Chrysler 300c off in 3 yrs will be back in February

    25. buy here pay here Waco dealer review by Kelly Huth

      Kelly Huth rated Tracy’s Auto Sales

      By far, one of my best experiences with a car dealership. The staff was amazing! I never felt pressured to buy a car. Billy Madison was awesome!! He answered every question I had, and he was upfront and honest with his opinions. Even after purchasing a vehicle, which was a surprisingly easy process, Billy texted later that evening just to check in and see how I was enjoying the car. The owner, Tracy, treated my girls and me like family. I can't express enough how much I appreciate everything they've done. They've set the bar extremely high when it comes to customer service. Thank you again, Billy and Tracy!!

    26. buy here pay here Waco dealer review by Cierra Morgan

      Cierra Morgan rated Tracy’s Auto Sales

      I loved my experience here at this dealership. Tracy is great!!! The cars are in great condition and the process is smooth and easy. I love my cobalt!!

    27. buy here pay here Waco dealer review by Angellica Dunlap

      Angellica Dunlap rated Kotie’s Cars LLC

      Rosette and sue are absolutely awesome!! Rosette worked with me to find the perfect fit for me and sue is always super nice :) couldn’t ask for a better team to purchase a car from! This makes the second vehicle we have purchased from them, first my husband and now myself.

    28. buy here pay here Waco dealer review by Q&A itz_cat

      Q&A itz_cat rated Kotie’s Cars LLC

      Had a very good experience rosette was awesome she did a amazing job helping get me into a car there very people friendly enjoyed my purchase experience

    29. buy here pay here Waco dealer review by Veronica Cravens

      Veronica Cravens rated Herring Auto Sales

      Super super super friendly people all around... My husband bought a car from Herring last year and he loves it.. The motor went out on it but hey he was able to get it rebuilt and he’s back on the road and very happy. I bought one from here Saturday and I’m very much in love with my Altima.... Thanks Todd!!!?

    30. buy here pay here Waco dealer review by Janet Oliver

      Janet Oliver rated Herring Auto Sales

      I have purchased two vehicles from Herring Auto and I have nothing but good things to say about them. Friendly ,courteous and knowledgeable and that's why after my first purchase I went back for next vehicle. Quality autos and great service and I would highly recommend Herring Autos for your used car and truck needs. Janet Oliver Elm Mott

    31. buy here pay here Waco dealer review by Donny Pena

      Donny Pena rated KP Motor Co

      When I first arrived at the dealership, I found that the vehicles that were for sale, were very clean and average miles. When talking to the owner I could tell that he was very proud of the vehicles that he had for sale. He wants to make sure that the vehicles are in good running condition before they leave the lot. I have seen him offer money back to the customers if they are not satisfied. The owner will work with u,to see that you are satisfied

    32. buy here pay here Waco dealer review by Jeremy Bowens

      Jeremy Bowens rated Car Barn

      This place is awesome. This is my second car from the Car Barn and the second time Gary has gone above and beyond to get me in a vehicle. A quality vehicle too. They always have a decent selection. Best spot on the Motor Mile. If you are looking for something nice dependable and great customer service with no bs and no hassle. Talk to Gary and his people over at the car barn.

    33. buy here pay here Waco dealer review by Amy Green

      Amy Green rated Car Barn

      Very Nice gentleman easy to work with I was so happy I forgot to shake his hand and a good car as well?

    BHPH Waco TX dealer

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