Buy Here Pay Here Lots And Dealerships For Cars And Trucks In New York

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An individual residing in New York with bad credit will find it difficult to obtain a loan for a brand new car, however there are options available. Going to a Buy Here Pay Here lot will help to eliminate the headaches that are associated with buying a new car.

A buy here pay here car lot is a place that will allow you to finance a loan through the car dealership and make payments there as well. Usually when someone obtains this type of financing for their vehicle, car payments will be weekly or every two weeks. You will generally have to go into the location to make your payment with cash, although there may be an option to pay by phone or online.


People residing in New York that have credit issues should consider using a buy here pay here dealership, this will be a way for the customer to get transportation and to work on improving your credit score. If you make timely payments on the vehicle, you will find it will be easier to trade into a newer vehicle when it comes time to trade out of the current unit. It is important that you find out whether the dealership reports to the credit bureaus.

You will not have to worry about being embarrassed about your credit, many of the Buy Here Pay Here Car lots will not even check credit, and they do not concern themselves with what credit decisions you have made in the past. They just want to make sure that an individual has a stable job and how frequently you are paid.

Typically when you go to a buy here pay here car lot, it is easier to trade in an older model vehicle because these types of dealerships understand how important it is to have older vehicles on the lot. They find it easier to find a buyer for your old car, whereas with a dealership that specializes in assisting people with excellent credit, they will find it hard to get rid of older model cars.

People in New York do not have to be made to feel that they are horrible people because they have issues with their credit when they go into a major dealership, because there is always the option of purchasing your vehicle through a Buy Here Pay Here Car lot.


Below is a listing of buy here pay here programs at car lots and dealerships in New York, that we were told, are currently accepting applications from individuals for a car or truck. Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a car or truck. Please help us keep this list up to date by emailing us at [email protected] with buy here pay here lots and dealerships in your area. Please include the state and city where they are located.

Buy Here Pay Here Motor
3160 Horseblock Rd
Medford, NY 11763
(631) 521-7282

Express Auto Credit Corp.
3652 George F. Hwy.
Endwell, N.Y 13760
(607) 429-0095

F&T Motors
5379 Genesee Street
Lancaster, NY 14026
(716) 651-1720

A Plus Auto Inc.
356 Hopkins Street
Buffalo, NY 14220
(716) 823-8500

R and D Sales
105 Elmwood Ave. Ext.
Gloversville, NY 12078
(518) 725-0706

Shults Auto Group
1315 Washington Street Jamestown, NY 14701 (716) 664-1234

EZ Loan Auto Sales
2227 Elmwood Avenue
Buffalo, New York 14216
Phone: (716) 961-0480

8150 Main Street
Williamsville, New York 14221
Phone: (716) 906-8600

811 Military Road
Buffalo, New York 14217
Phone: (716) 218-1506

Ontario Sales
6093 S. Transit Rd.
Lockport, NY 14094
(716) 438-0088

Glove Cars
605 South Comrie Ave
Johnstown, NY 12095
(518) 848-3078

Little Motors
363 Central Avenue
Albany, NY 12206
(518) 462-1633

EZ Own Auto Sales
533 Saratoga Rd. Scotia, NY 12302

Adams Auto Group
501 10Ts Ave.
Paterson, NJ 07514
(973) 333-5760

Hunts Point Auto Sales and Service
565 Hunts Point Avenue
Bronx, NY 10474
(718)991-8808

Further information and additional lists in many U.S. States on buy here pay here lots and dealership programs can reviewed at Buy Here Pay Here Lots.

The above information was last reviewed in November 2011.