Top 15 Buy Here Pay Here Dealers in Wilmington NC

Looking for a used car dealer in Wilmington NC but your credit is in bad shape?

Connect with top 15 buy here pay here Wilmington NC car lot dealers who have made buying car a lot easier especially for people with bad credit. This list of Wilmington'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 Wilmington NC

  • DriveTime Used Cars, DE

  • Wolf’s Elite Autos, DE

  • Cox Auto Sales, DE

  • Diver Chevrolet, DE

  • Mercedes-Benz of Wilmington, DE

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

  • Wolf’s Elite Autos, DE

  • Gaz Auto Sales & Services, DE

  • Kia of Wilmington, DE

  • Newman’s Cars Delaware, DE

  • Diver Used Cars, DE

  • Did you know? These BHPH Wilmington NC 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 Wilmington 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.

  • Nallys Auto Plaza, DE

  • Major Motors, DE

  • 28th Street Auto Sales, DE

  • Deals On Wheels Cars & Trucks, DE

  • Marvelous Motors, DE

  • The phrase buy here pay here Wilmington NC 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. Wilmington 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.

    Why buy here pay here Wilmington NC 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 Wilmington NC 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 Wilmington NC 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 Wilmington NC Works

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

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

    The buy here pay here Wilmington NC 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 Wilmington NC 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 Wilmington NC 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 Wilmington NC

    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 Wilmington NC

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

    While buy here pay here Wilmington NC 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 Wilmington NC 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.

    Wilmington NC buy here pay here Reviews

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

    1. buy here pay here Wilmington dealer review by My Falt Media

      My Falt Media rated DriveTime Used Cars

      Drive time is the best place to get a car man. They don’t hassle or hustle you. They show you all the options and make sure your very well informed in your decision to purchase a vehicle. Renata made me feel like she is here to put me the car I desire not to sell me a car. I have been to other car dealerships and I always feel like I was put into the car they wanted not the one I wanted. No here. I would recommend DriveTime to anyone who wants to get a car without feeling like they are being hustled.

    2. buy here pay here Wilmington dealer review by Amy Hodge

      Amy Hodge rated DriveTime Used Cars

      Jeffrey Fedena was terrific with whole process. Never had such ease with buying a car. Customer for life.

    3. buy here pay here Wilmington dealer review by Dominique Overton

      Dominique Overton rated Wolf’s Elite Autos

      Hi this experience with Big Chris was amazing. He let me test drive the car and also process was fast and easy. I recommend if your looking for a car right now to please come to Wolfs Elite Auto to purchase your new or used car. They work with you. I happy I brought a car here today. It’s definitely a 5 Star ?? Customer service was amazing. Thanks Big Chris for all your help!

    4. buy here pay here Wilmington dealer review by Marwa Zakharia

      Marwa Zakharia rated Wolf’s Elite Autos

      Great locally owned business with top notch customer service, selection of vehicles and attention to detail. We are repeat customers and have referred many. You won’t be disappointed!

    5. buy here pay here Wilmington dealer review by Dave Francois

      Dave Francois rated Cox Auto Sales

      This place is great. They have decent cars and the staff is amazing. They really work with you. Unlike other dealerships. I recommend if you are buying a car for the first time or no other place is accepting your credit. Come here. They also work with creditors, so making your payments help build your credit up fast with their low weekly or biweekly payments. Thank you Cox Auto Sales.

    6. buy here pay here Wilmington dealer review by Deborah Altine

      Deborah Altine rated Cox Auto Sales

      Awesome experience Jamie was so understanding and personable. I am so happy to finally be driving! Questioned all my many questions and help set a game plan thank you, thank you!

    7. buy here pay here Wilmington dealer review by Colleen Schrader

      Colleen Schrader rated Diver Chevrolet

      Searched many months for the right car along with the right sales person. Tom H at Diver Chevy ended our search. Tom was diligent in helping us find the right car at the right price. He was supportive and knowledgeable about the car and most of all was not your typical salesman. He helped us buy a car, placed no pressure on us for a decision, but did all he could to help make this purchase successful. Thank you Tom H, made the car buying experience pleasant.

    8. buy here pay here Wilmington dealer review by cartier cartier

      cartier cartier rated Diver Chevrolet

      I came into Diver Chevrolet with the expectation of not walking out with a car. I was welcomed and greeted by Ms. Peggy Saxton. I informed that I was interested in the Blue Camaro,a DNA if it wasn't to troubling can I see the vehicle. Ms. Peggy went to garage and retrieved the vehicle and there it was, beautiful as ever. Anyway, Peggy and I went back to her desk and I explained to her that my credit was not all that great, and I'm trying to rebuild it. She informed me that she will talk to the manager and run some possible numbers to include the rates, so I can get a feel of what I maybe looking at. I decided to roll the dice, and go for it. Ms. Peggy came back and said that I was approved, and I almost cried right there on the spot. Ms. Peggy made me feel comfortable with her by her customer service and her willingness to go the extra mile. There was no pressure into buying a vehicle, it was a real conversation and a care to make me feel comfortable. I was in the dealership by 9:15 and out by 11am. I'm very truly grateful and thankful to Ms. Peggy, her manager, and the numbers guy (Mr. Thomas R). I will be coming back to this dealership.

    9. buy here pay here Wilmington dealer review by Neel Daphtary

      Neel Daphtary rated Mercedes-Benz of Wilmington

      Excellent experience. Pat the GM was very helpful in working a deal during the Pandemic and was very accommodating. Shelby Suddard was great. She had taken care of everything, including paperwork prior to my delivery. I highly recommend Wilmington Mercedes.

    10. buy here pay here Wilmington dealer review by Mark Tribuani

      Mark Tribuani rated Mercedes-Benz of Wilmington

      Let me preface this with the fact that I'm a car salesman myself. Being in this industry I hold others to a high standard. Shelby my sales person and her manager Derek shattered my expectations. They truly went above and beyond in every aspect to make sure I was happy. I cannot reccomend them enough. They have earned my business for life.

    11. buy here pay here Wilmington dealer review by Weird Flex But Okay

      Weird Flex But Okay rated Wolf’s Elite Autos

      Great staff, great selection of vehicles. Honest and fair process. Wolf is the man.

    12. buy here pay here Wilmington dealer review by Roosevelt Sanders

      Roosevelt Sanders rated Wolf’s Elite Autos

      It is no longer called Wolf Auto anymore the new company name is the Republican State Committee

    13. buy here pay here Wilmington dealer review by Bob Thomas

      Bob Thomas rated Gaz Auto Sales & Services

      The guy's were great! In and out!

    14. buy here pay here Wilmington dealer review by Johnny G

      Johnny G rated Gaz Auto Sales & Services

      Always great customer service very reliable cars and some of the best mechanics in Wilmington .Let's not forget the LOW PRICES

    15. buy here pay here Wilmington dealer review by Jeffrey Peoples

      Jeffrey Peoples rated Kia of Wilmington

      Shopped around, ended up driving two hours to this dealer because I was so impressed with their staff. Started off communication with Shanon, she was polite, professional, and a wonderful person. My salesperson was Jamie. He worked hard to get where I needed, and was not like most car salespeople. He is down to earth, and was great to deal with. My Kia dealer in Salisbury MD was rude, and terrible to deal with. Jamie reminded me that good salespeople in the car business still exist. The sales manager put the deal together, and went above and beyond to get me to the payment I needed. What a great team of people, and an awesome dealership. I wish them all the best, and will be back in the future.

    16. buy here pay here Wilmington dealer review by Angel Alston

      Angel Alston rated Kia of Wilmington

      I went to Kia of Wilmington 10/22 and I worked with angie, she was so kind and pleasant and was able to get me into the car that I wanted! she went the extra mile to make sure she kept her communication with me and get everything needed, john the finance manager worked so hard with banks to get me approved with the not so good credit I have! I am so happy with my experience and will refer anyone to go there for a great vehicle!

    17. buy here pay here Wilmington dealer review by Ami Elinich

      Ami Elinich rated Newman’s Cars Delaware

      We recently purchased a minivan from Dave at Newman’s, and we couldn’t be more pleased with the overall experience. They’re friendly, honest, fair pricing, good selection, financing available, aaand they can fix the thing when it needs it...Buying a car is stressful, it’s a big decision. Working with them has been painless-I highly recommend them.

    18. buy here pay here Wilmington dealer review by Brian Dougherty

      Brian Dougherty rated Newman’s Cars Delaware

      I've never once had a bad car from Newman's! Over 30 years of great family service! Thank you gentlemen!

    19. buy here pay here Wilmington dealer review by Teirsa Knight

      Teirsa Knight rated Diver Used Cars

      Joe (salesman) and Lous (finance guy) were extremely honest and supportive during this process. Usually, this process is nerve wracking and they made it painless! Joe is even going to Philly to get a signature from my previous co-signer. They provided me with sound advice and made sure I received a price I could afford. I couldn’t have ask for a better team.

    20. buy here pay here Wilmington dealer review by Jill Wright

      Jill Wright rated Diver Used Cars

      After researching vehicles online for awhile I found a car at Diver that I wanted to check out. Upon getting there the salesman came out to help me. I always cringe at this part. I told him I was there to see a specific car and I wanted to test drive it. After driving it I wasn't so sure it was right for me and i told him that. Instead of pushing me to purchase the vehicle he told me if it wasn't the right one than don't buy it. I thought about it more and went back the next day with my husband. We decided we were going to move forward and purchase it. We already knew the price was very reasonable, but of course wanted it to be lowered and they worked with us. This was probably the most painless car buying experience we had. I highly recommend checking it out!

    21. buy here pay here Wilmington dealer review by Richard Glynn

      Richard Glynn rated Nallys Auto Plaza

      Great experience, very nice staff and Carla who was my salesperson,very professional and nice, worked hard and got me in the family truck I wanted,and even helped me with my current car payment get up to date.i would definitely recommend Nallys Auto plaza.

    22. buy here pay here Wilmington dealer review by James Bond

      James Bond rated Nallys Auto Plaza

      I had a great experience here buying a car. Al my salesman was very helpful and took the time to make my purchase a great experience. The girls in the office were great to deal with as well. I highly recommend Nally’s for your next car.

    23. buy here pay here Wilmington dealer review by Pedro Perez

      Pedro Perez rated Major Motors

      Great place to buy a car!!!! I don't know of other people but my experience was very pleasant, Danny helped us out all the way to purchase our GTI car which I love it. He explained us all the car features and offered to test drive with no obligation like other dealerships. I highly recommend to buy from this people they have several ways to sell you a car even if you have bad credit or non credit at all. They also do buy here pay here.

    24. buy here pay here Wilmington dealer review by Kyomii

      Kyomii rated Major Motors

      Best dealer that work here, nice people that I have met so far and in my opinion this place is amazing and I recommend peoples to come visit this place. They really have nice good cars and if you have problem understanding English, these people tcan speak English and Spanish, or maybe another language as well! They work really hard and it seems like they really love their job and it’s really good ?

    25. buy here pay here Wilmington dealer review by Cassie Casorio

      Cassie Casorio rated 28th Street Auto Sales

      Say what you will, think what you want. The service I received today was honest, and top notch (and no I wasn't played)! I was treated with human decency, put into a vehicle that was affordable and will serve its purpose! I highly recommend coming here. Also keep in mind when you read other reviews that yes, we as consumers should have certain standards when it comes to purchasing, BUT we are also responsible in knowing about what we are buying! I would definetly send anyone here that is looking for a vehicle that they are in need of quickly, and that will serve its purpose! Thank you for your service today!

    26. buy here pay here Wilmington dealer review by Aaron Brown

      Aaron Brown rated 28th Street Auto Sales

      This place will put u in a good running car for a great price

    27. buy here pay here Wilmington dealer review by Kenneth Jay Bew

      Kenneth Jay Bew rated Deals On Wheels Cars & Trucks

      I got my car in 2016, 2009 Honda Civic 126,000 miles! And I just paid it off with 150,000 now. The car never had any major issues at all! Just something that was cover under the warranty they provide!(wheel barring) My car is still running amazing. It was a easy process and they make paying the payment over the phone so easy! I would def recommend getting a car from them!

    28. buy here pay here Wilmington dealer review by Robby Hite

      Robby Hite rated Deals On Wheels Cars & Trucks

      One of the best shopping experiences, would seriously recommend deals on wheels to anyone buying a car or even just shopping around. Super friendly and helpful staff!

    29. buy here pay here Wilmington dealer review by Sara Coleman

      Sara Coleman rated Marvelous Motors

      I recommend Marvelous Motors!! These bad reviews seriously blow my mind!! My husband and I (interracial couple) have gotten 2 cars here with no problems at all what so ever! One paid off (only takes a year instead of 3-5) and it's the most reliable car we've ever owned!! We just purchased another car from Barry August of 2019 and will be getting a 3rd here in the next couple weeks! Barry and his son have always been so nice to us!! They always greet us when we come and always make a point to ask how our children are doing! I've recommend several friends to him as well, all with great experiences!

    BHPH Wilmington NC dealer

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