Top 9 Buy Here Pay Here Dealers in Waterbury CT

Looking for a used car dealer in Waterbury CT but your credit is in bad shape?

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

  • Car World II, CT

  • J & F Auto Wholesalers, CT

  • Ernie’s Auto, CT

  • Jim Juliani Motors, CT

  • National Auto Brokers Inc., CT

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

  • Platinum Auto Care, CT

  • Tony’s Auto Sales, CT

  • Family Auto Center, CT

  • Quality Auto Sales & Services Inc, CT

  • Why buy here pay here Waterbury CT 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 Waterbury CT 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 Waterbury CT 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 Waterbury CT Works

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

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

    The buy here pay here Waterbury CT 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 Waterbury CT 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 Waterbury CT 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 Waterbury CT

    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 Waterbury CT

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

    While buy here pay here Waterbury CT 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 Waterbury CT 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.

    Waterbury CT buy here pay here Reviews

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

    1. buy here pay here Waterbury dealer review by David Dionne

      David Dionne rated Car World II

      Had to get two tires guys were awesome helpful smart told all my friends about this place need excellent used tires see Paco or Flacco thank you guys,

    2. buy here pay here Waterbury dealer review by Desmond King

      Desmond King rated Car World II

      It's now called the car connection!!! Excellent sales service!!

    3. buy here pay here Waterbury dealer review by Charlie Cocuzza

      Charlie Cocuzza rated J & F Auto Wholesalers

      I bought a 2017 Lincoln from J&F and Jack and Melissa were great from the start! Jack fixed every issue I had with the car, and actually wouldn't let me take it until it was all done! This company was great to deal with. Would not hesitate recommending them. Thank you Jack and Melissa!

    4. buy here pay here Waterbury dealer review by Lacresha Kunz

      Lacresha Kunz rated J & F Auto Wholesalers

      Fast friendly service... The mechanics seem to try to accommodate all the customers to the best of their ability. The girl in the office, Melissa is great with getting the bills, payments & all paperwork done with little to no hassel. The owners name is Jack and he always goes above & beyond to make sure you leave J & F Wholesalers a happy camper. I absolutely recommend this place to anyone looking for repairs done on their car or even shopping around for a used car. Stop by to say hi.

    5. buy here pay here Waterbury dealer review by Charlie Kowaleski

      Charlie Kowaleski rated Ernie’s Auto

      Bought one car here in the past and it looks like I'll be getting another from this place. They have a good selection of used cars at fair prices in a wide range. Check them out

    6. buy here pay here Waterbury dealer review by Deirdre Ragsdale

      Deirdre Ragsdale rated Ernie’s Auto

      I bought a Jeep Cherokee here and I absolutely love it!!!! Frank is amazing and I recommend them to anyone!!! Honest, trustworthy and reliable

    7. buy here pay here Waterbury dealer review by angela maselli nelson

      angela maselli nelson rated Jim Juliani Motors

      I have been searching for quite sometime for a BMW X3 series. I have been to several dealerships and decided to purchase from Jim Juliani. My sales rep was George. He was very knowledgeable about the vehicle; being a BMW owner himself. After a few days, I contacted George and informed him of another BMW X3, same year, close mileage that was for sale. He looked up that car, and compared it to the one on his lot. After a little discussion, he offered me the BMW for the same price as the other dealership. The book value and price given was on point. George had all the service records for the car as well. The previous owner kept the car impeccable! I decided to purchase from Jim Juliani. I picked up the car later that week, George informed me that a few minor scratches couldn’t be buffed out and told me the owner offered to have the area repainted! Can’t get much better! I am very happy with the vehicle! I have referred coworkers to George and Jim Juliani and feel confident they will deliver. The car is going in this week to be repainted and will post update.

    8. buy here pay here Waterbury dealer review by Erica Orama

      Erica Orama rated Jim Juliani Motors

      My experience was amazing! Being a first time buyer, I felt at ease and not at all taken advantage of. The guys worked with me and made me feel like I was getting the most for my money. Im more than going back when Im done with this car. I recommend Jim Juliani for anyone looking to buy a car and doesn't know where to start.

    9. buy here pay here Waterbury dealer review by Ted G

      Ted G rated National Auto Brokers Inc.

      I bought a car from them, the process was mostly transparent, I did have to ask what the "DOC" fee was going to be but other than that there was no BS price shuffling, I wasn't 4 squared and the things I requested be taken care of before the sale were taken care of. They took care of getting me third party financing at a reasonable rate. It has been over a month and the car is still running well.

    10. buy here pay here Waterbury dealer review by Richard St.andrew

      Richard St.andrew rated National Auto Brokers Inc.

      Great cars and alot to choose from I didn't find mine persa but the jeeps I looked at were nice Just not automatic Broke my heart too see one I would have loved to take home but was a manual transmission ?

    11. buy here pay here Waterbury dealer review by Endrit Himaj

      Endrit Himaj rated Platinum Auto Care

      They are really helpful and friendly with the costumes, I use to go and look for great European used cars and I found them very trustworthy and honest. The prices are negotiable and they always tried to understand and help me.! Thank you

    12. buy here pay here Waterbury dealer review by NetPro Agency

      NetPro Agency rated Platinum Auto Care

      My husband purchased a 2014 Jeep Grand Cherokee LTD from them two months ago and I am loving it. Ray and Nick are very pleasant and very honest people to work with. I had a small problem with one of the tires and took the car back for them to look at it. They decided to replace all four tires with brand new ones for safety reasons. I highly recommend these car dealership. My husband also bought a 2012 Mercedes GL 350 from them and he is very happy with the car. A+++++

    13. buy here pay here Waterbury dealer review by Matty Miranti

      Matty Miranti rated Tony’s Auto Sales

      Awesome place to buy a car, tony stands behind his product, my car had some unforeseen issues and he gave me a loaner, paid for proper repairs and was always wonderful to deal with. Would definitely recommend it to anyone

    14. buy here pay here Waterbury dealer review by Alexis M

      Alexis M rated Tony’s Auto Sales

      Phenomenal experience!! Tony and Steve helped me out so much after my car had gotten hit and totaled :( they where able to meet all my demands and I was able to take the car that day!! They have a great selection of vehicles and the prices are even better!! I had shopped around at a few other places like carmax(DO NOT GO TO CARMAX BY FAR THE WORST EXPIERENCE I HAVE EVER HAD) and a few others and would strongly suggest you go to tonys auto sales!! I have since brought my car there for all the routine maintenance and I couldn't be happier with everything there all around a great dealership!!

    15. buy here pay here Waterbury dealer review by Vincent Salvatore

      Vincent Salvatore rated Family Auto Center

    16. buy here pay here Waterbury dealer review by Danna Renne

      Danna Renne rated Quality Auto Sales & Services Inc

      Nice people, honest, and helpful. Thanks

    BHPH Waterbury CT dealer

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