Top 17 Buy Here Pay Here Dealers in Worcester MA

Looking for a used car dealer in Worcester MA but your credit is in bad shape?

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

  • Sharp Auto Center, MA


  • Main Street Motors, MA

  • Mass Motors LLC, MA

  • Olsi Auto Sale & Svc, MA

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

  • Hilario Auto Sales, MA

  • Byrider Sutton, MA

  • MetroWest Auto Sales, MA

  • Rally Motor Sports, MA

  • Sonia’s Auto Sales Grafton St, MA

  • Did you know? These BHPH Worcester MA 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 Worcester 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.

  • Sonia’s Auto Sales, MA

  • 600 Lincoln Street Auto Sales, MA

  • Mass Auto Outlet, MA

  • Park Ave Auto Inc., MA

  • Beacon Auto Sales, MA

  • The phrase buy here pay here Worcester MA 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. Worcester 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.

  • Bicalho Auto Sales Corporation, MA

  • Allstar Auto Sales, MA

  • Why buy here pay here Worcester MA 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 Worcester MA 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 Worcester MA 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 Worcester MA Works

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

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

    The buy here pay here Worcester MA 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 Worcester MA 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 Worcester MA 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 Worcester MA

    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 Worcester MA

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

    While buy here pay here Worcester MA 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 Worcester MA 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.

    Worcester MA buy here pay here Reviews

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

    1. buy here pay here Worcester dealer review by Yaser Alshammaa

      Yaser Alshammaa rated Sharp Auto Center

      Sami is the best dealer I have ever seen Honest. Advice me not pushy

    2. buy here pay here Worcester dealer review by Kerolos S

      Kerolos S rated Sharp Auto Center

      Sami was a pleasure to deal with. I bought a car from him a couple of days ago. He is the guy to go to first for the most pleasant car buying experience. I have bought a few cars in my lifetime and this has to be the easiest that it has ever been. No doc fees, no bs, what you see is what you pay, he has amazing prices to start, and gave us an even better deal. He is up front and has nothing to hide about what he sells. Overall a genuine human being, I will be coming back!

    3. buy here pay here Worcester dealer review by Nathalie Lora

      Nathalie Lora rated ROCKY’S AUTO SALES

      Best dealer I have worked with. Vinni made my transaction super smooth and easy even during this crazy pandemic. Genne was also very organized, and pleasant. If you are looking into this dealer to purchase a car, i will say go ahead with your eyes closed, they explained everything so clear that I had no questions to ask. I recommend this dealer 100%

    4. buy here pay here Worcester dealer review by Om

      Om rated ROCKY’S AUTO SALES

      We were having trouble buying cars as we are international students and we were constantly looking for good car to buy. We bought Mercedes Benz sedan from Rocky's Auto Sales which was really in good condition with good value for money. We were treated good in the dealership, people there were friendly. They showed us lots of cars before we decided to buy one. We would recommend this dealers to everyone. Thanks to Gene and Vinny.

    5. buy here pay here Worcester dealer review by Knowledge Is power

      Knowledge Is power rated Main Street Motors

      Good service, and good car dealership, I have soo much respect for The owner. He is ready to assist u whenever u need help with ur car. God bless u!

    6. buy here pay here Worcester dealer review by Diana Brooks

      Diana Brooks rated Main Street Motors

      They always give good customer service

    7. buy here pay here Worcester dealer review by the channel about nothing

      the channel about nothing rated Mass Motors LLC

      He is extremely professional, he helped me get the car of my dreams when nobody else could. Gave me sound advice & made sure I got the best deal. Trust me he's worth dealing with.

    8. buy here pay here Worcester dealer review by Henry Smith

      Henry Smith rated Mass Motors LLC

      Recently purchased a used Transit Connect and had a great experience overall. Aziz was really helpful and fair with pricing and services. He was willing to take care of some maintenance issues at no additional cost and added a very thorough detailing. I would highly recommend Mass Motors LLC.

    9. buy here pay here Worcester dealer review by christine

      christine rated Olsi Auto Sale & Svc

      This is the best service i ever received. My car caught on fire . A friend refer me to them. First they were quick to come tow my car n fixed it with 4 days. I got the chance to meet Orlando there he really did an amazing job. I will highly recommended them to anyone. From body work electrical problems any problems with your car they got you covered. Very professional. Orlando thank you so much. Orlando very friendly great attitude and customer service. After they fix my car they even clean it completely . Love it

    10. buy here pay here Worcester dealer review by Wardell Washington

      Wardell Washington rated Olsi Auto Sale & Svc

      I gotta give it to them!!! Very understanding when their might be an issue!! You tell them and it gets taking care of no problem. Mechanics are very good and quick. Orlando is the man , customer service skills impeccable, I couldn't ask for anything more when it comes to quality used cars & the service. I would definitely recommend Olsi's.

    11. buy here pay here Worcester dealer review by Peter Vasile

      Peter Vasile rated Hilario Auto Sales

      Great experience with Hilario's Auto Sales. I found a truck on-line that looked interesting, sent an email inquiry and set up a time for a test drive. Met with Edwin and drove a couple of different trucks, really low key, no pressure at all. I ended up going with the first truck I saw and I'm loving it! Everyone I met at Hilario is super nice (everyone!) and the entire car buying process was very efficient and painless. I highly recommend to anyone looking for a used car.

    12. buy here pay here Worcester dealer review by TERRAFULLSIGHT DUTRISAC

      TERRAFULLSIGHT DUTRISAC rated Hilario Auto Sales

      So far nice atmosphere clean cars 3 people bought cars while I was THERE!

    13. buy here pay here Worcester dealer review by tim  Hyson

      tim Hyson rated Byrider Sutton

      The team was absolutely amazing, and very helpful! Charlie & Craig were extremely helpful picking out a new vehicle, and during the paperwork process, everyone was extremely patient & helped with any concerns I had! I could not be happier with my purchase!

    14. buy here pay here Worcester dealer review by Stephen D Brochu

      Stephen D Brochu rated Byrider Sutton

      My wife's friend financed a used car from them. 19.9 percentage rate the purchase of this 2009 Saturn Aura with 111,000 miles on it. Almost $6,000 interest ! But the whole thing is designed to help build her credit line up again ? I thought they were pleasant and professional. After all they have overhead too ! Wowsa not for this CAT ! MEOW

    15. buy here pay here Worcester dealer review by Ernie Levesque

      Ernie Levesque rated MetroWest Auto Sales

      First of all I love my 2016 Nissan Leaf. It is becoming my favorite car ever (Since 1970). Metro West is about 60 miles from my home but it had the best price for exactly the car that I wanted and was even the color that I wanted. I waited for three months before posting this review because I wanted to make sure there were no problems. The car has been superb. I love so many things that I didn't even know about the car. I was so happy about the experience of buying the care. Eugene was great. We took a long test drive and talked about all manner of things but especially the problems of buying an electric car. Eugene was extremely knowledgeable and showed me apps on his phone for charging stations and that Nissan Dealerships have free high speed chargers that you can use for free. The paperwork was a breeze but I did have to register the car myself. Even that was well worth it to get this car. My experience with Metro West was the best I've had purchasing a car. Eugene will be my first call the next time I'm looking to buy a car

    16. buy here pay here Worcester dealer review by Didier Horstman

      Didier Horstman rated MetroWest Auto Sales

      During my holiday I decided to visit Metro West auto sales to see an electric Fiat 500. Idea was if the car was good to have a mediation company to ship it over to Europe. When arrived Eugene the owner gave us a warm welcome and a test drive with the car. Once back he proved to be very well prepared in shipping cars over to Europe as he is very experienced in exporting cars. Along the process of shipping he was always friendly very fast with replies and showed to care the car went out fast and shipped in its condition as bought. I can really recommend this company as a tourist customer so can only imagine when you are a local how nice it is to buy a car here.

    17. buy here pay here Worcester dealer review by Matt Devers

      Matt Devers rated Rally Motor Sports

      I love this place. Mike and the crew at Rally have made it very easy for me to get my auto maintenance work done. The crew is professional and always find a way to get my car worked on, even in a pinch. I am happy to recommend Rally auto to anybody looking for a professional auto shop in Worcester - even just for the inspection sticker. Quick, easy, and professional every time.

    18. buy here pay here Worcester dealer review by Laura Soriano

      Laura Soriano rated Rally Motor Sports

      Magic Mike, Jen, and the rest of the team at Rally motor sports collectively assisted me with excellent service! I would recommend this place to anyone as the staff really care to get you into the right vehicle and the speedy service from them was fantastic. They made the process easy to understand and overall really exceeded my expectations. If you need a vehicle defiantly check these guys out, they're great! Also send well wishes and prayers to Mike, thanks.

    19. buy here pay here Worcester dealer review by Sean Dopson

      Sean Dopson rated Sonia’s Auto Sales Grafton St

      I've been purchasing vehicles for many years in different places and I came to Sonia's because they had an SUV of my interest and the sales rep and finance rep treated great throughout the process I thank them so much for helping find financing due to having challenged credit! I am recommending everyone to this dealership! I love this place! Service was a breeze also! Thank You to the Sonia's Family! God Bless!

    20. buy here pay here Worcester dealer review by Coral Vittini

      Coral Vittini rated Sonia’s Auto Sales Grafton St

      I am very pleased with this place. I came in just to browse for a car and get an idea of what I wanted and once I figured that out the car was prepped and detailed on the spot. Lucas, Valentine & Jose were very helpful and accommodated me to the fullest! I am very pleased and happy. Definitely will recommend all of my friends and family.

    21. buy here pay here Worcester dealer review by D Nice

      D Nice rated Sonia’s Auto Sales

      Great experience with buying a used car. The salesman Todd help me with all my Questions and did a great job.. The transaction was smooth and everything was taken care of. I didn't get hassled like some of the other local dealerships. I would definitely do another deal in the future.

    22. buy here pay here Worcester dealer review by Emmanuel Severino

      Emmanuel Severino rated Sonia’s Auto Sales

      the most efficient dealer from worcester to Boston and throughout Massachusetts for all Latin Americans and many more quality is just a SONIA'S AUTO SALES.!!!

    23. buy here pay here Worcester dealer review by Patrick

      Patrick rated 600 Lincoln Street Auto Sales

      Jack & John were great to deal with. I recommend doing business, and will come back again when ready to find my next vehicle. They have a nice variety of used car inventory in good condition, at good prices. I bought a Ford Explorer from them and am very happy with my purchase.

    24. buy here pay here Worcester dealer review by John Russell

      John Russell rated 600 Lincoln Street Auto Sales

      great place

    25. buy here pay here Worcester dealer review by scott remillard

      scott remillard rated Mass Auto Outlet

      Awesome place to buy a suv or truck. If need be fast finance. Awesome bumper to bumper warranty. Good guy.

    26. buy here pay here Worcester dealer review by Lynne Godbout

      Lynne Godbout rated Mass Auto Outlet

      Dave is a great guy. Helpful and kind too. Love my new Jeep.

    27. buy here pay here Worcester dealer review by Kim Hogan

      Kim Hogan rated Park Ave Auto Inc.

      I was on the market for a new vehicle and was referred to Park Ave Auto by a friend. So I checked them out online. Didn't really find anything I was super interested in. So I called them and told Dave what kind of vehicle I was looking for and sure enough he got it for me within 3 days. It had some noise in the front end and was brought in to be repaired and have been driving it since.. I have mentioned other small issues and he is always willing to fix the issues within the allotted time. And as for Jen in the office she is amazing. Fantastic attitude and super friendly. Very on point with all the paperwork and timing. Tony is also great he helps as much as he can and he does all that is required and asked of him.. I recommend them to anyone that is looking for a new vehicle. Even to those that don't think they will get approved. You just never know. Thanks again Park Ave Auto

    28. buy here pay here Worcester dealer review by Rosanna Alcaraz

      Rosanna Alcaraz rated Park Ave Auto Inc.

      Jen was so nice to us.. she explained all details of the buying process and help with a finance. There are great . Thanks

    29. buy here pay here Worcester dealer review by Michael Russell

      Michael Russell rated Beacon Auto Sales

      Great experience at this little dealership. Kevin answered all of our questions and guided us to a really great mid size SUV. He also registered the truck for us. Our truck was ready by noon the next day. I can't say enough about our experience. Nice relaxed place to shop for a used vehicle. And the selection was great too. Definitely give these guys a try. It'll be worth the ride there.

    30. buy here pay here Worcester dealer review by Mirjana Pluverge

      Mirjana Pluverge rated Bicalho Auto Sales Corporation

      I recently purchased a car from Bicalho auto sales. My experience was extremely positive from start to finish. I worked with Douglas and he was very helpful and knowledgeable and answered all of my questions. They were also helpful on getting me approved with financing the car. I am very happy with my car it passed inspection with no problem. Best car dealership around will definitely come back!!!!!

    31. buy here pay here Worcester dealer review by carlos silva

      carlos silva rated Bicalho Auto Sales Corporation

      very correct people, cars of origin, I became a customer to buy the next cars, I recommend

    32. buy here pay here Worcester dealer review by Tausha Harper

      Tausha Harper rated Allstar Auto Sales

      Awesome sauce

    BHPH Worcester MA dealer

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