Top 20 Buy Here Pay Here Dealers in Wichita KS

Looking for a used car dealer in Wichita KS but your credit is in bad shape?

Connect with top 20 buy here pay here Wichita KS car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Wichita'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 Wichita KS

  • Auto Now, KS

  • Midland Motors LLC, The Home of Cheap Cars in Wichita, KS, KS

  • Kansas Auto Group, KS

  • Regal Car Sales & Credit, KS

  • AdvantEdge Quality Cars, KS

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

  • Select Motors, KS

  • PayDay Motors, KS

  • Super Car Guys West, KS

  • Family Motors Wichita, KS

  • Integrity Auto Group-Wichita, KS

  • Did you know? These BHPH Wichita KS 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 Wichita 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.

  • Super Car Guys, KS

  • Prestige Auto Sales L.L.C, KS

  • Super Car Guys, KS

  • Winfield Motor Co, KS

  • Elite Auto Sales, KS

  • The phrase buy here pay here Wichita KS 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. Wichita 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.

  • Easy Credit Auto Sales, Inc., KS

  • Affordable Autos, KS

  • Easy Pay Auto Sales, Inc., KS

  • Carbanc Auto Sales, KS

  • Credit King Auto Sales, KS

  • Why buy here pay here Wichita KS 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 Wichita KS 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 Wichita KS 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 Wichita KS Works

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

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

    The buy here pay here Wichita KS 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 Wichita KS 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 Wichita KS 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 Wichita KS

    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 Wichita KS

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

    While buy here pay here Wichita KS 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 Wichita KS 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.

    Wichita KS buy here pay here Reviews

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

    1. buy here pay here Wichita dealer review by Natasha Paul

      Natasha Paul rated Auto Now

      Excellent Service. No pressure Sales. They have a wide selection with different price options and down payments. With having bad credit and less than a year employment time - Don Walker was able to get us in a newer vehicle with a reasonable down payment with monthly payments we could afford. Service was met and exceeded all expectations. Don was friendly , funny and sympathetic towards my current credit situation. Determined to get us in a vehicle despite my situation. Wide selection of very nice vehicles to choose from all in great mechanical condition. Very impressed with the entire experience. Here is a detailed breakdown of my current credit , income and required down payment. I currently have a credit score between 400-500. I have a income of around 1700 biweekly. I offered 1000 down payment , driver License , proof of income and proof of address for approval. I highly recommend Don Walker at Auto Now located 1660 S seneca Wichita Kansas. You have to ask for Don. He is the one who will find a way if there is a will.

    2. buy here pay here Wichita dealer review by Mike Miller

      Mike Miller rated Auto Now

      Great service and atmosphere

    3. buy here pay here Wichita dealer review by Stewart Kafka

      Stewart Kafka rated Midland Motors LLC, The Home of Cheap Cars in Wichita, KS

      My wife and I have bought three cars from Midland. Their prices are always fair and they have the best customer service. You couldn’t ask for better people.

    4. buy here pay here Wichita dealer review by hannah hayes

      hannah hayes rated Midland Motors LLC, The Home of Cheap Cars in Wichita, KS

      2nd car purchase from here. Another great experience

    5. buy here pay here Wichita dealer review by Kaitlin DiTullio

      Kaitlin DiTullio rated Kansas Auto Group

      Went above and beyond to do everything he could for us. Made sure we had a reliable vehicle for a decent price. I was kind of concerned going in, but by the time I left I was happy with the choices we made. Thanks so much??

    6. buy here pay here Wichita dealer review by Andrea Loux

      Andrea Loux rated Kansas Auto Group

      Marquita was awesome. She was extremely helpful. We were able to drive off the lot with our new car that afternoon. Definitely recommend going here for your next vehicle.

    7. buy here pay here Wichita dealer review by Laquiesha Washington

      Laquiesha Washington rated Regal Car Sales & Credit

      I went into regal auto not knowing if I was going to get approved after being denied at another dealership. I came in and from the moment I walked in Elena was amazing she was so helpful with making sure I drove off with a car that I was happy with. I recommend anyone looking for a car to see Elena!!!!

    8. buy here pay here Wichita dealer review by Vanessa Teets

      Vanessa Teets rated Regal Car Sales & Credit

      I have been a loyal customer of Regal Car Sales and Credit for almost 13 years. They have always taken care of me and got me into the car I want. They take their time and don’t rush. They aren’t your normal pushy salesman who are only in it to meet their quota. They make sure you are fully satisfied from start to finish and throughout the entirety of your loan. If you are in the market for a quality new to you vehicle Regal is the place to go!

    9. buy here pay here Wichita dealer review by Willena Beemer

      Willena Beemer rated AdvantEdge Quality Cars

      I'm a returning customer of AdvantEdge Quality Cars and they truely live up to their standards of quality... Each time my experience has always been positive. But what I like most is the customer service. With my more recent purchase, Bo and Gabe treated me exceptionally well. I promise, you won't be disappointed. Bo and Gabe, thank you gentlemen, as always, it's a pleasure doing business with this company. I am extremely happy with my purchase.

    10. buy here pay here Wichita dealer review by Gonkayee Doelakeh

      Gonkayee Doelakeh rated AdvantEdge Quality Cars

      I recently just bought a 2016 Camry SE from here and I love my car haven't had any issues so far. Had a lot of patience while trying to get the car but worth the wait. Thanks Bo for your help.

    11. buy here pay here Wichita dealer review by Chao Xiong

      Chao Xiong rated Select Motors

      Came to buy a car here since the wife started working and the process throughout was fantastic. Andrew helped me out to work something within budget and made sure the vehicle was running good before he was willing to sell it to me. He definitely put his trust in me to test drive the vehicle myself and in return I trusted that he do his best to give me the best deal possible. I'm driving my new car now and it's definitely a joy! Appreciate the help from Select Motors!

    12. buy here pay here Wichita dealer review by Von Ludwig

      Von Ludwig rated Select Motors

      The dealership is 100% official...I was treated with class and they stand behind there words...I would definitely repeat my business in the near future and ownership communicated exceptionally well with there clients

    13. buy here pay here Wichita dealer review by Sherry Ramsey

      Sherry Ramsey rated PayDay Motors

      Great place pretty quick

    14. buy here pay here Wichita dealer review by rebecca monroe

      rebecca monroe rated PayDay Motors

      Gail was a wonderful sales person!. They were generous. They worked with us and helped us find a great car that fits are needs. I would surely reccomend them. ?

    15. buy here pay here Wichita dealer review by Brittany Dussault

      Brittany Dussault rated Super Car Guys West

      Last month I came to Super Car Guys in need of a vehicle. Everyone was very welcoming and helpful, getting me into cars that I liked and were within my price range. Let me just say, Alex Cain is the MAN. If you’re looking to purchase a vehicle from someone with honesty and integrity, GO SEE ALEX!!! I am still in love with my car!

    16. buy here pay here Wichita dealer review by Tiffany Larcade

      Tiffany Larcade rated Super Car Guys West

      I was happy with the car, financing department, management and customer service. I highly recommend Dalton and as soon as my situation changes, I will be going back to this place for another car for my 3rd purchase from Super Car Guys. They make it super easy and was able to get things done between my work schedule.

    17. buy here pay here Wichita dealer review by Brittany Ackley

      Brittany Ackley rated Family Motors Wichita

      Great car lot Broadway can be scary especially when buying cars but I'm totally happy with mine. Kinda high on the price when u finance but all in all they are fair and great people. Mr Warren over there is awesome as well as the other guy that works with him. Everytime I go I always feel welcomed and Mr Warren will do his best and also work with you to get you in a car.

    18. buy here pay here Wichita dealer review by Miche Sa

      Miche Sa rated Family Motors Wichita

      Very friendly & honest. They refuse to put you in a car you can't afford or that has issues. They have great pride in the vehicles they sell & stand behind them 100%

    19. buy here pay here Wichita dealer review by Samantha Faris

      Samantha Faris rated Integrity Auto Group-Wichita

      We were in for the first time today. The salesman was very helpful, not pushy one bit and a pleasure to work with! Brandon was very helpful financial wise and keeping our payments where we needed them to be. The place is very clean, and everyone was so nice. We will be back in the future for sure! Thanks Integrity!

    20. buy here pay here Wichita dealer review by Ivy Knobbe

      Ivy Knobbe rated Integrity Auto Group-Wichita

      We had a great experience at Integrity Auto Group, shopping for a car for our daughter. Brandon and Scott were very professional and friendly, and we were in and out quickly. We would definitely buy from them again in the future, and our daughter was VERY pleased with her new vehicle!

    21. buy here pay here Wichita dealer review by Shawn Dent

      Shawn Dent rated Super Car Guys

      The staff at this location (Super Car Guys South) were absolutely amazing. I was hurt at work and off for over two years. I've only been back for three months and my credit took a huge hit. Jarret, Justin and Anthony worked hard to not only find us a vehicle we love but to get us financed at a really great rate. We're back on the road with a great car and rebuilding our credit. Thank you guys very much. We'll be coming back when we're able to purchase a second vehicle.

    22. buy here pay here Wichita dealer review by Crystal Thomas

      Crystal Thomas rated Super Car Guys

      Just purchased from here for the second time and it was even better this time around! Justin was my sales guy and he is awesome! Super personable and made me so comfortable even though I was a little unsure at first. Alex in finance is a blessing from heaven!!! He got me into a brand new cat at an interest rate in didn’t even think was possible with my credit. If you’re looking for a car definitely go check these guys out! They are super helpful, not pushy and really made me feel like I mattered! 10/10 would def recommend!!!

    23. buy here pay here Wichita dealer review by Angela T

      Angela T rated Prestige Auto Sales L.L.C

      We bought a great car, with low miles, at a fantastic price, from Prestige Auto Sales!! They have a certified mechanic on staff, and if you buy a car from them will make sure the car is in good shape and ready to go. The customer service from Seth and his staff was outstanding!! The title arrived as promised. Everything was great!! A pleasant experience!! Thanks guys !!! PS. We did have our mechanic look at the car before the purchase.

    24. buy here pay here Wichita dealer review by david carrasco

      david carrasco rated Prestige Auto Sales L.L.C

      Purchased a 2006 Cadillac CTS from Adam - Car was Sold to me AS IS due to the Hail Damage on the vehicle. Adam gave me a damn good price , plus a 60 day Warranty and I told him I would fix the damage myself. Car seemed to check out very good mechanically and interior was immaculate!! Few weeks later it all fixed and repainted!!! BOOM car looks great !!! Barley started driving the car and ...the starter went out on me!!! I called Prestige ...spoke with Josh. He understood my concern and stated that Warranty , of course, does not cover everything,,BUT..he told me not to worry...He and Adam will take care of me!!! Josh arranged for the tow of my car, and had already discussed the issue with the Shop and was already sourcing me a starter for the Cadillac!!! I was not in any hurry ..I told Josh/Adam to keep the car as long as they need ..just please make sure it gets fixed. Josh called and said it was the starter and got it replaced!!! As I picked upped the car, Josh and the team were impressed with the work that was done to the hail damaged car and how great it looked !! We sat and chatted about the Car Business, and Josh expressed how he really tries to focus on Customer Service ...Let me tell you ..the guys here got that down!!! I was hesitant to purchase from a Car Lot on South Broadway...but I think I will come to Josh and Adam again for another vehicle!!!

    25. buy here pay here Wichita dealer review by Christopher Smith

      Christopher Smith rated Super Car Guys

      I went into super car guys on 114 NW street. Talk about a amazing experience. I went in with nothing to my name and was able to walk out with a 2008 Ford Focus. I want to give a huge I mean huge shoutout to Alex Cain. He been helping family’s out from many years to get into new car. I wouldn’t be able to have a car thanks to him. He was working for days to help me out and he 100% did all he could for me and it was amazing. If anyone needs a car please go to this location. They make you feel like family there. Once again Alex Cain is the man. Go see them for amazing deals.

    26. buy here pay here Wichita dealer review by fiveirl

      fiveirl rated Super Car Guys

      Mason was outstanding! He was patient and kind the entire time I was there, and never once made me feel pressured into purchasing anything. It honestly felt like I was buying a car from a friend. I would highly recommend him, and Super Car Guys to anyone.

    27. buy here pay here Wichita dealer review by Nichole Neathery

      Nichole Neathery rated Winfield Motor Co

      Absolutely wonderful people who treat you right. No messing around and they do whatever they can to help you even with no or bad credit. Just finished paying my baby off from them and couldnt be happier with the overall experience. 100% recommend (...and it'll definitely keep you away from the Stevens family with their scams and theft...)

    28. buy here pay here Wichita dealer review by Kindra White

      Kindra White rated Winfield Motor Co

      I had my car repaired here and they did an awesome job, and the price was great. They even showed me the parts they replaced. Car runs great.

    29. buy here pay here Wichita dealer review by Cassea True

      Cassea True rated Elite Auto Sales

      Derek was awesome! He was very helpful and upfront about the vehicle and the process. This was my first time buying from a car lot and he made the experience simple and easy. I knew what I wanted and my price range. He didn’t try to up sell me or give me a sales pitch. He was very friendly and I could tell he had experience in the car business however I felt that for him, my car buying experience was the priority. He made the process easy and he was very knowledgeable! I would and have recommended this place AND Derek many times over. Terrific experience!!

    30. buy here pay here Wichita dealer review by Dave Dorsett

      Dave Dorsett rated Elite Auto Sales

      Found the exact car I wanted with no issues at all!!!

    31. buy here pay here Wichita dealer review by Kentasha Brown

      Kentasha Brown rated Easy Credit Auto Sales, Inc.

      I needed a car so bad because I have been walking getting my daughter back and forth to daycare. I was recommended by a friend to go to Easy Credit. I went and Ryne helped me out. I test drive two Chevy Cruze and decided to go with the 2014. He helped me out with all the paperwork. I’m so excited I was able to buy a car.

    32. buy here pay here Wichita dealer review by Sarah Parks

      Sarah Parks rated Easy Credit Auto Sales, Inc.

      Amazing service and very attentive to customers needs. Myself, my husband and 3 year old daughter had been looking at car lots all day, and couldn't find anything we liked at a decent price, and Chris really helped us out. We told him what we were looking for and what our cap was and he was very attentive and honest about everything. The general manager (I believe his name was Michael/mike, but could be wrong) and was amazing as well and made sure we got the right insurance at a decent price. We left very happy and I got the car I set out wanting the Chevy equinox at a decent price with low miles. I couldn't be happier! I turn 30 on the 25th, and this is an awesome present to myself from myself, and I'm glad to have had such wonderful people to help me out.

    33. buy here pay here Wichita dealer review by Keylei Bradvold

      Keylei Bradvold rated Affordable Autos

      If anyone is looking for an HONEST Salesman who does whatever they can to help you out you need to go see Shane! I've had horrendous experiences before with greasy salesman (you know the type, tell you anything you wanna hear to get the sale!) Shane is NOT like that. He's literally the most honest salesman I've ever found! He didn't guilt me into the sale! He asked me a couple times if I was sure I wanted this vehicle! Best experience ever!!!

    34. buy here pay here Wichita dealer review by Elmer Tucker

      Elmer Tucker rated Affordable Autos

      They gave me a great chance to build my credit

    35. buy here pay here Wichita dealer review by Becca Marie Perry

      Becca Marie Perry rated Easy Pay Auto Sales, Inc.

      They have done awesome with working with us! We appreciate all their help!!!

    36. buy here pay here Wichita dealer review by Ronald Tucker

      Ronald Tucker rated Easy Pay Auto Sales, Inc.

      The best my girl Sam she's what's

    37. buy here pay here Wichita dealer review by Brendon May

      Brendon May rated Carbanc Auto Sales

      Great Company For People with Bad Credit as long as you have a consistent Job and theyll work with you interest might be at 21% but thats the cost of business of dealing with bad credit carbanc inhouse finances so there takkng all the risk ... great way to restore your credit and fet into a new vehicle . Ask for Art or Jerry

    38. buy here pay here Wichita dealer review by Audrey Hoke

      Audrey Hoke rated Carbanc Auto Sales

      Amazing! I love my car!

    39. buy here pay here Wichita dealer review by Robert Smith

      Robert Smith rated Credit King Auto Sales

      Always treated us right

    40. buy here pay here Wichita dealer review by Jeffrey Coates

      Jeffrey Coates rated Credit King Auto Sales

      Thank you Mario & Credit King for helping me & not being like Super Car Guys & every other dealership. I will continue to give you my business.

    BHPH Wichita KS dealer

    Hope you like our list of buy here pay here Wichita KS dealers. Do share it with your friends. Let us know your feedback, query or suggestion by contacting us from contact us page.