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Buy Here Pay Here Car Lots in Phoenix, AZ

Updated daily with Buy Here Pay Here inventory from trusted dealerships across Phoenix, Mesa, Glendale, Tempe, Avondale, and Chandler.

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Here’s How Buy Here Pay Here Car Lots in Phoenix Help People with Bad or No Credit

When banks say no, Buy Here Pay Here dealerships in Phoenix say yes. These car lots offer in-house financing, which means you can get approved even if your credit history includes repossessions, collections, bankruptcies, or no credit at all.

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Instead of judging you by a credit score, these dealerships focus on your income and ability to pay. It's a second (or third) chance for people across Phoenix, Mesa, Glendale, and Tempe to get reliable transportation — fast and without hassle.

  • Can a BHPH loan help improve my credit score?
    Yes, making regular, on-time payments to a BHPH dealership can help improve your credit score. Some dealerships report your payment history to credit bureaus, which can positively impact your credit over time. Keep in mind however, that some dealers don't report to credit buraus.
  • What kind of down payment do I need?
    Each dealership sets their own down payment requirements. Many work with as little as $500 or $1000 down, depending on your income and the car you choose.
  • How does financing work at a BHPH dealership?
    Financing at a BHPH dealership involves selecting a car, providing a down payment, and agreeing to a payment plan directly with the dealer. Payments are usually made weekly or bi-weekly. The process also includes a credit check and a customer interview to assess your financial situation.
  • Is Buy Here Pay Here the right choice for me?
    BHPH can be a good option if you have bad credit and need a vehicle quickly. However, it’s important to compare it with traditional financing options. Our 60-second approval quiz can help you determine the best choice for your situation.
  • What kind of cars can I buy at a BHPH dealership?
    BHPH dealerships typically offer used cars. The prices can range widely, but modern BHPH dealerships finance vehicles averaging around $15,000. The inventory might include various makes and models, so you can find something that suits your needs and budget.
  • Is it really free to use CarsnCredit.org?
    Yes, 100%. We don’t charge you anything, and we don’t sell your information. You connect directly with the dealership that listed the vehicle.
  • What does “Buy Here Pay Here” mean?
    Buy Here Pay Here (BHPH) dealerships offer in-house financing — they approve and finance the car directly, without going through a bank. That’s why credit history doesn’t matter as much.
  • Will a BHPH dealership check my credit?
    Yes, BHPH dealerships do perform credit checks, but the main purpose is not to evaluate your credit score. Instead, they want to ensure you don’t have an existing car loan or aren’t currently in open bankruptcy. This helps them manage their risks and follow their underwriting guidelines.
  • How fast will the dealer contact me?
    Typically within minutes. Once you click “Request Info,” the dealership receives an instant notification and will reach out by phone or text using the number you provided.
  • Can I browse without applying or submitting my credit info?
    Yes. You can browse all cars freely. You only submit your name and phone number when you see a vehicle you’re interested in — and that goes straight to the dealer.
  • Do I need good credit to get approved?
    Nope. The dealerships we work with specialize in helping buyers with bad credit, no credit, or even recent repossessions. You can still get approved based on your income.
  • How much do I need for a down payment?
    Down payments vary by vehicle and dealer, but many start as low as $500 to $1,500. Some dealerships even offer flexible payment plans or promotions with lower upfront costs.
  • Do these dealerships run a credit check?
    Many Buy Here Pay Here dealers listed here do not run a credit check at all. If they do, it's usually just to verify your identity — not to determine approval.
  • What documents do I need to bring to get approved?
    Most dealerships only ask for: A valid driver’s license (some may not require it) Proof of income (like pay stubs or bank statements) Proof of residence (like a utility bill)
  • Do I have to complete a full application before browsing cars?
    Nope. You can freely browse listings on our site and only submit your info when you’re ready to connect with a dealer or apply for financing.
  • Can I get approved if I have bad credit or no credit at all?
    Absolutely. All the cars listed on this site come from Buy Here Pay Here dealerships that specialize in helping people with poor credit, no credit, bankruptcies, or previous repossessions. Approval is based on your income, not your credit score.
  • How quickly can I get approved and drive away?
    In many cases, you can get approved the same day and drive off within hours — especially if you bring all your documents and down payment.
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