Buy Here Pay Here Lots And Dealerships For Cars And Trucks In Utah

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For many, automobile ownership is not an option; it is a necessity. Regardless of the urgent need, however, financing often stands in the way. Buy here pay here car lots in Utah help people who need a car fast but have slow credit. These lots provide their own financing, so the purchase process is much faster and less restrictive.

Traditional banks and finance companies only want to lend to customers who have few if any past financial problems. They also offer the best interest rates to those with perfect credit. Millions of people don't have good credit, however, but they still need a good car. Buy here, pay here car lots can help.


What is a Buy Here, Pay Here Lot?

Dealerships based on the buy here, pay here model usually cater to the needs of people who need quality transportation, but have credit problems. They understand that people who have had bumps in their financial road need to be on the road. These lots are usually identified by signs that say "We Finance" or "Buy here, pay here." Some traditional car dealers have in-house financing options available, but don't openly advertise it, so don't be afraid to ask.

These car lots are operated by people who understand that good people can have credit problems. They offer their own financing and accept weekly, bi-weekly or monthly payments. Because the dealer is making the loan, the dealer can set flexible terms. In fact, many of these dealers don't even run a credit check.

After completing the terms of sale, the new auto owner need not worry about mailing checks or setting up automatic payments. All he or she needs to do is drop by the car lot when payment is due.

What is Different About Shopping this Way?

At buy here pay here car lots in Utah; the shopping experience usually begins with financing questions. After talking about finances, the dealer can help a shopper focus only on cars they qualify to buy. This differs from traditional lots where shoppers first choose a car and then discuss financing. Many shoppers prefer to discuss financing before choosing a car anyway, so they don't spend time choosing a car only to be rejected for financing.

The Benefits of Buy Here, Pay Here lots

Shopping at buy here pay here car lots in Utah helps auto shoppers in several ways. First, people who need a car can usually buy one as long as they meet the dealer's criteria. Second, car buyers can rebuild their credit (if the dealer reports loans to credit bureaus). Finally, buy here, pay here lots often offer a trade-in advantage. Because they can find buyers for older cars, they are more likely to accept an older car as trade-in credit.


Below is a listing of buy here pay here programs at car lots and dealerships in Utah, 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.

Campbell's Cars
2889 Washington Blvd
Ogden, UT 84401
Phone: 801-458-4420

K & J Auto Inc
310 So Main
Bountiful, UT 84010
Phone: 801-298-5820

Cars Now
1000 North State Street
Orem, Utah 84057
Phone: 801-229-CARS

Quality Auto Sales
2828 North Main
North Logan UT, 84341
Phone: 435-753-6333

One Step Auto Sales
1818 N. Main
Logan, UT 84341
Phone: 435-752-7867

St. George Auto Gallery
635 East St. George Blvd.
St. George, UT
Phone: 435-656-1225

Atlas Motors Inc.
4020 S. 500 W.
Salt Lake City, Utah
Phone: 801-293-9269

Bitton's Auto Sales
333 27th Street
Ogden, UT 84401
Phone: 801-399-4550

West Valley Auto Center
3899 South Redwook Road
West Valley City, UT 84119
Sales: 800-941-0957

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.