List of Best Buy Here Pay Here Springfield MO Area

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You need a vehicle to get where you need to go. Used car is an option to get an affordable vehicle. You’ll pay less for sales tax and insurance costs. Even in some states, it’s cheaper to register a used car than a new car. What’s more, you can save money on discounted price. If you plan to buy a used car and look for car financing, chances are you’ll need to pay the interest. But, can you get financing if you have bad credit? The answer is yes! You still can get car financing through car dealers, even if you have bad credit or no credit. How? The answer is the in-house financing with “buy here pay here” option. In this article, we’ll share you a list of best buy here pay here Springfield MO area!

Buy Here Pay Here Dealership

Many car dealerships offer financing from a third party like banks. However, some auto dealerships offer in-house financing called “buy here pay here”. This option doesn’t require good credit and tends to accept customers with bad credit. And the process may be easier than a traditional dealership.

You can buy a car and apply for financing at the same dealership. They have been known to offer loans without a preliminary credit check and flexible terms. Besides, they may offer zero down payments and no-interest financing periods. However, financing with a buy here pay here dealership may come at a cost. You may pay higher interest rates if you’re classified as a high-risk customer. Still, getting approved means you can finally have a car you really need.

Buy Here Pay Here Springfield MO Area

You can find several car dealerships with best buy here pay here Springfield MO has to offer. You’ll recognize the lots with their sign ‘we finance’ or ‘no credit check’. An easy way to find one near you is to search online. If you like the old-fashioned way, you can drive around your city looking for auto dealerships that offer in-house financing.

Why Would Opt for In-house Financing

You need a car to get to work, school, and other places beyond walking distance. Dealership financing can be your only option if you:

Have bad or very poor credit

When you want to buy a car but you don’t have cash or have been turned down for a car loan, this in-house financing is a new way to get approved for a loan.

Want to improve your credit score

Buying a car with this financing and you make all of your payments on time can build and improve your credit score.

Want an easy process

Buying a car through a traditional dealership or other financings may take time. If you opt for buy here pay here dealership, you can apply through a lot faster process.

Have limited down payment

Dealership financing sometimes offers down payments as low as 0 USD. But, it’s advisable to pay a larger down payment to get lower interest rates.

How Does It Work?

If you opt for best buy here pay dealership, almost everything goes through the local car dealer directly. You’ll sign the agreed contract between you and the dealership. Plus, your payments are made directly to the lots.

You can come directly to the lots or apply online. Dealers will require some documents to process your application. Here’s a list of items to bring to your buy here pay here dealership:

  • Your driver license
  • Your proof of income (if you have more than one job, you can bring all the stubs)
  • List of contact references (not including anyone living in your household)

Dealers may also require proof of residency. Bringing the correct required documents is very important to process your application. You may need to pay some down payment. So, it’s better to check their terms before you’re applying.

Beware of Buy Here Pay Here Scams

Many people have a misconception that all buy here pay here dealerships are scams. However, most of them are honest. Before going in for an in-house dealership, you should do a bit of homework to avoid you from scams. Here are the things you should check:

Vehicle history report

You should be aware if the dealers won’t give you any proof over the car’s condition. Ask for a vehicle history report from a service like Experian or Carfax. So you’ll get unbiased information on the vehicle. Besides, you can also check the vehicle identification number before deciding on a purchase.

Vehicle ‘spot delivery’

Bad buy here pay here lots may use a technique that lets you drive the car off the lot before your application is approved. Then they will call it back and demand some more money from you. Or, they inform you that you need to renegotiate the loan. Never take the car until you’re fully approved. And it’s much better to keep track of all your paperwork, plus everyone you talk to in the lots.

Hidden fees and clauses

Before you sign the contract, read everything listed in the contract. Check the price, the term of payment, and the interest rates. Make sure all terms and conditions are the same as discussed. Don’t hesitate to ask if you still have any questions.


We recommend you pay only what you can afford, not what you want. You can calculate the down payment and the potential interest rest.

To protect yourself from scams, choose the best buy here pay here dealership that is accredited by the Better Business Bureau. Besides, you can check the testimonials from the customers.

Best Buy Here Pay Here Springfield MO Providers

We’ve outlined a list of the best buy here dealerships in Springfield for your reference below.


Do you have credit issues, history of bankruptcy, or repossession, but you’re looking for car financing? Byrider offers buy here pay here auto loans and financing regardless of your credit score or credit history. They believe that everyone deserves a chance to qualify for a loan on a vehicle you need.

While financing buy here pay here isn’t 100% guaranteed, Byrider will do their best to get you on the road. With Byrider, you can qualify to get as low as zero down payment. There are several pre-owned cars you can choose, from Chrysler, Hyundai Tucson, to Volkswagen.

And you can customize your payment schedule to match your funds. Besides, Byrider offers easy and fast approval. You can come to their lots or apply online through their website.

Cars 4 U, LLC

Cars 4 U, LLC is a small business that keeps a personal connection with the customers. They offer friendly service and competitive prices. Besides, they have reasonable payments based on your proven income. You can choose weekly, bi-weekly, twice a month, or monthly payments.

The application process is simple. It can be approved in just 30 minutes. Plus, there’s no application fee. They require your proof of income, a valid driver’s license, and proof of residency within the last 30 days.

Cars 4 U, LLC offers varied used cars, including GMC, Ford, Pontiac, and Dodge. And they have mechanics with years of experience. Their in-house financed vehicle has a 3 month or 3,000 miles limited warranty. You need to pay a small deductible amount, but there’s no extra cost to contract.

Never Say No Auto

Never Say No Auto is one of the best buy here pay here Springfield MO providers that offers a large selection of newer model used cars. You can choose from Hyundai, Chevrolet, Toyota, to Nissan. Plus, they have excellent financing programs. It includes a unique program with Guaranteed Credit Approvals for those with bad credit or no credit.

If you have histories of late payments, bankruptcy, or even repossession, they will help you get an auto loan. You can qualify for low down payments and affordable payment plans for up to 72 months.

CarHop of Springfield

CarHop has been operating since 2008. If you’re looking for used cars, SUVs, or trucks, CarHop has them all. And they have exceptional warranty coverage, with an 18-month/18,000-mile warranty.

They finance the entire amount owed on a vehicle, including fees and taxes. If you want to sell your old car, they also accept a trade-in. CarHop will work hard to get you approved regardless of your credit history.

If you can’t pay a big down payment, you may still get affordable financing. And you can establish or improve your credit by making on-time payments. In some limited offers, you may only need to pay 150 USD for a down payment. You can have up to 30 months of payment options.

Regal Car Sales

Regal Car Sales and Credit is another buy here pay here dealership in Springfield, MO. It has over 35 years of experience in the used car business. They offer excellent customer satisfaction.

And what makes them unique? They offer in-house financing options with no credit check and flexible interest rates. Plus, they offer multiple payment options. These include in-store payments, Money Gram, and autopay.

They help you buy the vehicle you want. Choose from Honda, Dodge, Lexus, Toyota, to Chevrolet. Every vehicle they sell is inspected before sale. Plus, it’s covered by their 12-month or 12,000-mile limited warranty. What’s more, they report to credit bureaus just like car dealerships. Their ultimate goal is to get your good credit back.

Auto By Rent

Auto By Rent offers No Credit, Bad Credit, and Don’t Sweat it! It’s a unique program that ensures everyone has an opportunity to get a quality vehicle. With a wide selection range of cars, you can choose quality, late model cars, trucks, and SUVs.

You’ll get plenty of advantages of the program, including no upfront sales tax and license fees. Plus, you don’t need to pay personal property taxes. Besides, they offer service warranty and repair financing.

Fill out an application online or directly comes to the lots. They require some documents, including household income, employment history, and length of residency. A down payment is also required, which amount is based on the vehicle you choose. Besides, they have 30 to 45 months periods of payment options.


Buying a used car with loan financing can be the best option for some people with limited cash. However, the options are not very promising if you have bad credit or no credit, even though some car dealerships offer no money down. Buy here pay here dealership helps you to get an auto financing. It offers a quick and easy process. Sometimes, buy here pay here dealerships offer zero down payment. As easy as they can be, you may need to pay 20% interest or more on your loan.

Several buy here pay here dealerships may have a bad reputation. But, you can find many of best List of Best Buy Here Pay Here Springfield MO Area providers that are accredited by the Better Business Bureau. Take your time trying for pre-approval from a few dealers. Plus, read carefully their terms and conditions to get the best deal. If you’re sure this in-house financing is your only way to get a car, it’s advisable to buy a car you can afford.