Top 15 Buy Here Pay Here Dealers in Yonkers NY

Looking for a used car dealer in Yonkers NY but your credit is in bad shape?

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

  • Dan Martin’s Auto Depot Ltd, NY

  • Gulliver New York, NY

  • Yonkers Honda, NY

  • Yonkers Autoland, NY

  • Central Avenue Chrysler Jeep Dodge Ram, NY

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

  • Saw Mill Auto Parts, NY

  • Saw Mill Auto Sales, NY

  • Westchester Toyota, NY

  • Smith Cairns Ford, NY

  • Yonkers Auto Mall, NY

  • Did you know? These BHPH Yonkers NY 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 Yonkers 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.

  • Yonkers Honda, NY

  • Yonkers Kia, NY

  • Central Avenue Nissan, NY

  • Beck Chevrolet, NY

  • Broadway Auto Brokers, NY

  • The phrase buy here pay here Yonkers NY 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. Yonkers 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 Yonkers NY 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 Yonkers NY 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 Yonkers NY 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 Yonkers NY Works

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

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

    The buy here pay here Yonkers NY 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 Yonkers NY 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 Yonkers NY 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 Yonkers NY

    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 Yonkers NY

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

    While buy here pay here Yonkers NY 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 Yonkers NY 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.

    Yonkers NY buy here pay here Reviews

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

    1. buy here pay here Yonkers dealer review by Jeff Van Allen

      Jeff Van Allen rated Dan Martin’s Auto Depot Ltd

      I bought a Saab Turbo X from Peter and couldn't be happier with the experience. He's very knowledgeable and is extremely up front with everything. I bought the car sight unseen and it was everything that he promised it to be. I highly recommend them to anyone looking for a great car and great customer service experience.

    2. buy here pay here Yonkers dealer review by CSP FiT

      CSP FiT rated Dan Martin’s Auto Depot Ltd

      The best place to get great cars with no suprises. Very knowledgeable and correct team. Peter is extremely helpful and professional. I would recommend it to anyone.

    3. buy here pay here Yonkers dealer review by Masato Nagatani

      Masato Nagatani rated Gulliver New York

      My experience with Gulliver NY is back 3 years and always feel comfortable. It is second time I bought a car from them. Nice quality. Thank you Kasemura-san! You will find bunch of quality Japanese cars as well as cars of famous brand in the world.

    4. buy here pay here Yonkers dealer review by Hirofumi Suzuki

      Hirofumi Suzuki rated Gulliver New York

      I want to give 6 stars!! These guys are very friendly, polite, honest, and very professional. Based on my experience, before, selling a car would not be easy, rather very complicated and time-consuming, however, these guys are making it very easy for me. I absolutely recommend Gulliver New York when you need to sell your car, or need to relocate to other states/countries. Special thanks to Mr. J and Ms. M.

    5. buy here pay here Yonkers dealer review by Carmelo Santana

      Carmelo Santana rated Yonkers Honda

      It was my first time purchasing a used vehicle, and I couldn't be happier with the end result. First thing I would like to congratulate the entire team from Yonkers Honda because they are great at providing great customer service, now I would like to thanks Mr Noel, one of the greatest sales person I have dealt with. He made the process super simple and easy for me. Never tried to push or hide anything from me. Was always clear with details about the transaction. I would like to recommend to anyone who's is interested in purchasing a car to please stop by Yonkers Honda and speak to Noel, I'm 100% sure that at the end there will be no regrets.

    6. buy here pay here Yonkers dealer review by Zoi Easley

      Zoi Easley rated Yonkers Honda

      This was my first time purchasing a car on my own. Drake assisted me through the process and was extremely helpful. He was thorough and made sure I understood everything that was going on clearly. He took the time to go over all the features of the car and even entered some of my preferences. I can't thank Drake and the team enough for such an amazing and seamless experience. Thank You!

    7. buy here pay here Yonkers dealer review by Sandy

      Sandy rated Yonkers Autoland

      Everyone was helpful and friendly. They have great deals on vehicles and so happy with the GMC Sierra we got from them. Have already recommended them to others. So glad we stopped by Yonkers Autoland.

    8. buy here pay here Yonkers dealer review by Mo Bashir

      Mo Bashir rated Yonkers Autoland

      Very nice, friendly, trustworthy. Good, fair prices. I recommend coming here if you’re interested in buying a used car.

    9. buy here pay here Yonkers dealer review by NATHALIE LEBRON

      NATHALIE LEBRON rated Central Avenue Chrysler Jeep Dodge Ram

      Extremely grateful for Central Avenue Chrysler Jeep Dodge Ram staff. They are truly an amazing team and adapt easily to situations such as our current pandemic climate. My husband and I thought finding a new lease would be a nightmare, but thanks heaven Laurie and Nosh. Laurie was great at quickly communicating via email and providing feedback rapidly. We truly didn't miss out on the one to one in person experience we are all accustomed to. She got us an amazing deal and then directed us to Nosh who completed the transaction via email and phone. Needless to say, within a few days we were picking up our 2020 Dodge Durango GT Plus without ever having left our home. We truly appreciate the cohesiveness and professionalism this team represented. Thank you Central Avenue!

    10. buy here pay here Yonkers dealer review by Mark Zablow

      Mark Zablow rated Central Avenue Chrysler Jeep Dodge Ram

      Ask for Orlando or Catia - they will hook it up and make the process easy and quick - mostly over text email - very flexible in finding $solutions and getting the right car for me. Spent time showing me how to work the car and really made me feel great in what is traditionally a miserable process. Also worth going to Frank Pepe's pizza about a block down. Double bonus on a new car buy

    11. buy here pay here Yonkers dealer review by Charles Salvatore

      Charles Salvatore rated Saw Mill Auto Parts

      Saw Mill is the place to go to purchase your next vehicle. From the time I walked in I was treated with respect and every detail was addressed in a timely fashion. The process was fast and simple. They are all about putting you in the right vehicle at a great price.

    12. buy here pay here Yonkers dealer review by Elias Rodriguez

      Elias Rodriguez rated Saw Mill Auto Parts

      We buy parts here all the time and they are always good. Very reliable

    13. buy here pay here Yonkers dealer review by Daniel Dwyer

      Daniel Dwyer rated Saw Mill Auto Sales

      I bought a 2018 Nissan Rouge with 40 miles on it. Half the price from if I bought it from a Nissan dealer. It was an absolute pleasure to do business with Saw Mill Auto. Their staff is top notch, no pressure and 100 percent helpful. Special thanks to Malcolm in sales who was so accommodating while my wife changed her mind on what car to buy a few times...LOL. Also to Toni at the front desk, Mike in sales, nice people. Deloris and Carolyn in the office helped out tremendously to get me out with my car as fast as possible before closing time. The buying experience was great, much better than I received at name brand car dealerships. I fully recommend this place and looking forward to buying another car from them soon. Update on my above review: the Rogue above now has 11,000 miles and is a perfect car. I returned this week and on 2/27/2020 bought a beautiful Ram 2500 pick up. I am happy to give my business to a friendly, honest company that knows how to deliver and make you feel like a valued customer.

    14. buy here pay here Yonkers dealer review by Alex Luy

      Alex Luy rated Saw Mill Auto Sales

      My dad bought a car here and suggested I pay them a visit. They were able to deliver on their promises and price. Toni is very professional and doesn't play games. We got the car we wanted, and she explained to us what needed to happen. The car we chose still had to go inspection, and she made me aware of that. Every email I sent, she was responsive. I am never going to a typical car dealer again, will only visit Saw Mill.

    15. buy here pay here Yonkers dealer review by Shayak Banerjee

      Shayak Banerjee rated Westchester Toyota

      I received very efficient and knowledgeable service here. I came in with one of two models that I was torn between. Kenneth helped me make up my mind very quickly. He took me on a test drive and was extremely knowledgeable about the vehicle (and I had a lot of in-depth questions). Within a few hours, we were also able to agree on a price that suited us both. Overall, two thumbs up!

    16. buy here pay here Yonkers dealer review by Omar Rivera

      Omar Rivera rated Westchester Toyota

      Sales representative Max was very helpful, professional and knowledgeable. I highly recommend him if you are in the market to purchase or lease a new vehicle. Do your research like i did, Max and the rest of his team did not let me down. They have a great selection for all types of needs and budgets. I love my new Highlander SE 2019. Best decision ever! I also want to give Carmen, one of the finance agents credit for her patience and professionalism. She explained everything i needed to know and was upfront with us. Westchester Toyota is outstanding!

    17. buy here pay here Yonkers dealer review by Nicholas Chavarría

      Nicholas Chavarría rated Smith Cairns Ford

      Justin was very informative. He explained each step of the purchasing process thoroughly. Since the car we wanted was not available at Smith Cairns, or at any other dealer nearby, we had to order one. This took a few weeks. That's fine. We were willing to wait for what we wanted. Justin made sure to check in with us periodically, to let us know what was going on. On the day I actually bought the car, Justin was very thorough is ensuring that all the right documents were signed, including signing over our old Ford Escape. He sat with me in the new car, and went over many features. When I finally drove home, I felt secure in the car, and know that I was treated well.

    18. buy here pay here Yonkers dealer review by Justo Roman

      Justo Roman rated Smith Cairns Ford

      Rene Rivera was an amazing salesman. From the first day we met we realized how great he was. He took his time to explain in detail everything from the interior to the exterior workings of our new 2018 Ford Expedition Max Limited. Great customer service. Customers for 11 years.

    19. buy here pay here Yonkers dealer review by Noel Sanchez

      Noel Sanchez rated Yonkers Auto Mall

      Great customer service

    20. buy here pay here Yonkers dealer review by Google User

      Google User rated Yonkers Auto Mall

      They went well beyond what any other dealer would do for us. From start to finish, everything went well. We found them online while looking for a specific car. They had the car and the car was priced really well. Other dealers we called and stopped at had big fees so it was confusing. Yonkers Auto Mall had the car and a real price. Gina was the best. Thanks for all the help!

    21. buy here pay here Yonkers dealer review by Jen R

      Jen R rated Yonkers Honda

      Excellent service friendly environment and they make sure you get the car you want. Noel was super polite and determine to help me get approve he had excellent communication skills as well as customer service skills. I walked Out with my 2017 Honda Accord sport.

    22. buy here pay here Yonkers dealer review by Magdiela Gonzalez

      Magdiela Gonzalez rated Yonkers Honda

      I’ve never had such a GREAT experience buying a car. Eliones was so quick and efficient with everything. He listened to my needs and followed through with delivering to the top. He gave me an AMAZING deal and didn’t make me feel like I was being pressured like some salesperson do. If you ever come into this dealership, ELIO is the person to go to! He wont steer you wrong!! This is my second experience buying a car from a dealer and I cannot stress it enough how great this went compared to my first car. Thank you I am so glad to be driving my brand new car.

    23. buy here pay here Yonkers dealer review by Tatiana Borinos

      Tatiana Borinos rated Yonkers Kia

      Wonderful experience at Yonkers Kia ! At the time when most of the dealers are closed altogether , the service at Kia was outstanding. My lease was expiring and before I realized that it was to late the manager Joel called himself and arranged everything. All paper work was done without a hitch, the price was awesome and Joel went out of his way to find a car to my liking with a color of my choice. The car was delivered promptly to my home to swap with the old one. I love my new car and thank you Yonkers Kia for the great service!

    24. buy here pay here Yonkers dealer review by Valerie Noble

      Valerie Noble rated Yonkers Kia

      First thing I want to say is Mike Romano is amazing. With this pandemic going on and my lease coming to an end, I was not sure I could get a new lease right now. I decided to email Yonkers Kia and got a response right away. I told Mike what I wanted in a car and he found it immediately. Two days later I had my car delivered to me at my home. (The driver that delivered the car was so sweet and made sure he didn’t leave until he answered all my questions) I cannot believe how seamless this process was and how great Mike has been. I recommend to anyone out there and I have leased many cars, Kia of Yonkers cares. Thank-you again and I am so happy to be part of the Kia family.

    25. buy here pay here Yonkers dealer review by Steve F

      Steve F rated Central Avenue Nissan

      this dealership is awesome. the staff is friendly, courteous and professional. purchased a new car with Joe C. he made it so easy and worry free explaining everything in detail. then I was referred to Scott the Business Manager to close the deal. he was so pleasant and friendly. these people treat you like family. I highly recommend them, you will not be disappointed.

    26. buy here pay here Yonkers dealer review by Vincent Pellino

      Vincent Pellino rated Central Avenue Nissan

      Angel at Central Ave Nissan in Yonkers is my one and only service advisor. I only deal with him when I bring my car in for service. He makes me feel comfortable, and he is always upfront and honest with me about everything. I am confident that any issues I am having with my vehicle will be corrected properly, and Angel makes me feel very secure about that. Great guy to have in your service dept. and a definite asset to the value of the team there. Thanks!

    27. buy here pay here Yonkers dealer review by John Scheie

      John Scheie rated Beck Chevrolet

      Beck Chevrolet is one of the best dealers in Westchester. Friendly sales staff and not high pressure staff. Alan Konskier is nice to deal with. I traded my Avalanche for my 2015 Silverado 2500 HD and now I am looking to trade that for a Colorado as I am looking to downsize.

    28. buy here pay here Yonkers dealer review by Chris Henix

      Chris Henix rated Beck Chevrolet

      I was having such a terrible day & these people are the reason it turned out to be a GREAT day. I had been having issues with my car that other mechanics have not been able to fix & had been recommended to come here in which I did, in a hurry. Upon my arrival I was told I wasn't going to be able to be seen due to the time & the other appointments that were made in advance before me. Totally understandable, yet I was super frustrated because I had been dealing with this for a week now & had not been able to drive my kids to school or go to work. John who is the manager seen that I was frustrated & refused for me to leave upset. Words cannot express how much people need that. He made sure I left Satisfied & with all of my car problems solved. Just when I thought no one cared about what was going on in my little world, John changed all of that. Liz who works on the mechanic side was super sweet & very professional. I want to thank you all for making such a bad day so much better. Words cannot express how much I appreciate you all. If you want someone who truly cares about what ever car issues you’re having come here! Or if you’re simply looking into getting a new car please come here you will not be disappointed. Ask for John if you have any concerns or ask for any sales employee, you will not be disappointed. I wish I could mention each & every single worker here because they all took part in providing excellent Service. Thank you so much! I will Be recommending everyone here!

    29. buy here pay here Yonkers dealer review by Daniel Damico

      Daniel Damico rated Broadway Auto Brokers

      Amazing service, great prices and an all around 5-star experience. We went into the dealership on Monday, told them what we wanted and by 7pm on Tuesday the car was delivered to our home. They had the car detailed and delivered with a full tank of gas. Anthony and his team are very professional, knowledgeable and a pleasure to deal with. We couldn't have asked for any better service. ??

    30. buy here pay here Yonkers dealer review by Carolyn O'neal

      Carolyn O'neal rated Broadway Auto Brokers

      I’ve gotten two amazing deals with these guys and have referred numerous family members and friends as well and they are excellent! Jerry was professional, understanding, and empathetic to my needs. Everyone is welcoming and did their best to get me the best deal! Till next time! Thanks guys!

    BHPH Yonkers NY dealer

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