Buy Here Pay Here in Phoenix, AZ
Last updated:
Phoenix, AZ BHPH at a Glance
13
Verified Dealers Listed Below
$500-$2,000
Typical Down Payment
16-25%
APR Range
$5,000-$14,000
Vehicle Price Range
Buy Here Pay Here Dealerships in Phoenix, AZ
13 dealers verified as of . Listing does not mean we recommend a dealer — read the protection guide below before you visit any lot.
| Dealer | Area | Phone | Advertises |
|---|---|---|---|
1645 W Bell Road, Phoenix, AZ 85023 | North Phoenix (Bell Rd) | (602) 788-8300 | $500 down, buy here pay here |
2143 W Camelback Rd, Phoenix, AZ 85015 | West Camelback corridor | 602-794-1090 | in-house financing, online approval with no credit-score hit |
Byrider Chandlerchain 1455 N Arizona Ave, Chandler, AZ 85225 | Chandler | 480-821-8833 | buy here pay here, on-site service department |
323 E Dunlap Ave, Phoenix, AZ 85020 | North Phoenix (Sunnyslope) | (602) 331-9000 | in-house financing, low down payment |
1247 E Van Buren St, Phoenix, AZ 85006 | East Van Buren / downtown | (602) 254-6707 | buy here pay here, low down payments, warranties included |
1636 S 7th St, Phoenix, AZ 85034 | South Phoenix | (602) 252-8696 | buy here pay here, in-house financing, 3-month/3,000-mile warranty |
2525 W Van Buren St, Phoenix, AZ 85009 | West Van Buren | (602) 442-7617 | buy here pay here, reports to credit bureaus |
3912 W Indian School Rd, Phoenix, AZ 85019 | West Phoenix (Indian School Rd) | (480) 983-3461 | $500 down, buy here pay here |
3911 W Indian School Rd, Phoenix, AZ 85019 | West Phoenix (Indian School Rd) | (602) 830-1546 | $1,000 down, no credit check, 3-day exchange policy |
2231 W Main St, Mesa, AZ 85201 | West Mesa | (480) 707-9008 | $500 down, buy here pay here, 3-yr/36,000-mi limited warranty |
5017 W Glendale Ave, Glendale, AZ 85301 | Glendale | (623) 800-7780 | buy here pay here, reports to all 3 credit bureaus, first-time buyer program |
2201 W Van Buren St, Phoenix, AZ 85009 | West Van Buren | (602) 345-8001 | buy here pay here |
5525 S Power Rd, Mesa, AZ 85212 | Southeast Mesa (Power Rd) | (480) 405-1525 | buy here pay here, $500 down, traditional financing also offered |
How we verify: every listing is cross-checked against the dealer's own website plus at least one independent listing platform (Yelp, CarGurus, Cars.com, BBB, or Google Maps) at the date shown above. Dealers close, move, and change terms — call before you visit, and verify the dealer holds a current Arizona dealer license.
Buy Here Pay Here in Phoenix: What You Need to Know
Buy here pay here (BHPH) dealerships in Phoenix, AZ offer car financing directly — no bank, no credit check. This makes them popular with buyers who have bad credit, no credit, bankruptcy, or other financial challenges. The Phoenix metro area has an estimated 120 BHPH dealers, giving you plenty of options to compare.
However, convenience comes at a steep cost. BHPH lots in Phoenix typically charge 16-25% APR (compared to 4-7% for a standard auto loan), require a down payment of $500-$2,000, and sell vehicles priced at $5,000-$14,000 — often marked up 20-50% above their actual value.
Before visiting a BHPH lot, check with local credit unions and online lenders in Phoenix. Many offer bad-credit auto loans at 8-14% APR — dramatically better than BHPH rates. If BHPH is your only option, use this guide to protect yourself.
What to Expect at BHPH Lots in Phoenix
| Item | Typical Range | Notes |
|---|---|---|
| Down Payment | $500-$2,000 | Cash, money order, or debit card. Some lots accept tax refunds. |
| Interest Rate (APR) | 16-25% | No state rate cap. Compare to 4-7% for standard auto loans. |
| Vehicle Price | $5,000-$14,000 | Often 20-50% above Kelley Blue Book value. Always check KBB first. |
| Payment Schedule | Weekly or bi-weekly | Many BHPH lots require weekly/bi-weekly payments, not monthly. |
| GPS Tracking | ~66% of lots | About 2/3 of BHPH dealers install GPS trackers that can disable your car. |
| Total Cost Example | $8,000 car = $14,000+ | A $5,000 car at 20% APR over 3 years = $8,000+ in total payments. |
How Buy Here Pay Here Works
At a traditional dealership, a bank or credit union provides the car loan. At a buy here pay here lot, the dealer IS the lender — they finance the car themselves and collect payments directly from you. This is why they can approve anyone regardless of credit score.
The process is simple: you visit the lot, pick a car, show proof of income and address, put money down, and drive away. Most BHPH transactions in Phoenix can be completed in a single visit.
The catch: because the dealer controls everything, they set the price, the interest rate, the payment schedule, and the repossession terms. There is no third-party lender to keep things in check. This is why BHPH vehicles are often overpriced and interest rates are high.
Arizona Consumer Protection for BHPH Buyers
- Lemon Law
- Arizona lemon law covers new vehicles only. Used vehicles from BHPH lots are not covered.
- Cooling-Off Period
- No cooling-off period for vehicle purchases in Arizona.
- Implied Warranty
- Arizona does not require implied warranties on used vehicles sold as-is.
- Dealer License Required
- Yes — Arizona requires BHPH dealers to hold a dealer license. Verify the dealer is licensed before buying.
- Other Protections
- •Arizona Consumer Fraud Act prohibits deceptive practices
- •Vehicle Emissions Inspection Program required in Maricopa and Pima counties
- •Dealers must disclose if the vehicle has been in a flood or declared a total loss
What to Bring to a BHPH Dealer in Phoenix
| Document | Details |
|---|---|
| Valid ID | Arizona driver's license or state-issued ID |
| Proof of Income | 2-3 recent pay stubs or bank statements showing direct deposits |
| Proof of Residence | Utility bill, lease agreement, or bank statement with your current address |
| Down Payment | $500-$2,000 in cash, money order, or debit card |
| References | 3-5 personal references with phone numbers (not family members) |
| Proof of Insurance | Some dealers require proof of insurance before you drive off the lot |
Red Flags to Watch For
- 1.The dealer will not let you take the car for an independent inspection
- 2.No written contract — everything is verbal promises
- 3.The price is more than 30% above Kelley Blue Book value
- 4.The dealer refuses to answer questions about GPS tracking or remote disable
- 5.Required add-ons (service agreements, GAP insurance) that inflate the total cost
- 6.Payment must be made in person with cash only — no option for electronic payment
- 7.The dealer will not tell you the APR or total cost of the loan
- 8.Extremely short repossession timeline (repossession after one missed payment with no cure period)
- 9.High-pressure tactics or "today only" deals
- 10.No Buyer's Guide posted on the vehicle window (required by FTC law)
Tips for Buying BHPH in Phoenix, Arizona
- 1.Get a pre-purchase inspection before buying from any BHPH lot in Phoenix. Take the vehicle to an independent mechanic ($100-$150). If the dealer refuses, walk away.
- 2.Check the vehicle price against Kelley Blue Book (kbb.com) before negotiating. Many BHPH lots in Phoenix mark up vehicles 20-50% above market value.
- 3.Ask whether the dealer reports payments to all three credit bureaus. If they do not, the loan does nothing to rebuild your credit — a major drawback.
- 4.Before visiting a BHPH lot, check with Phoenix area credit unions. Many offer bad-credit auto loans at 8-14% APR, far better than the 16-25% typical at BHPH lots.
- 5.Read the entire contract before signing. Pay special attention to the APR, total payments, payment schedule, late fees, repossession terms, and GPS tracking policies.
- 6.Ask about GPS tracking and remote disable. About two-thirds of BHPH dealers install GPS trackers that can disable your car if you miss a payment.
- 7.Arizona lemon law does NOT cover used BHPH vehicles. You are likely buying as-is, so an independent inspection is essential.
- 8.Bring all required documents: valid ID, proof of income (2-3 recent pay stubs), proof of residence (utility bill), and your down payment. Having everything ready speeds up the process and shows the dealer you are serious.
Better Alternatives to BHPH in Phoenix
Before committing to a BHPH lot, explore these alternatives that typically offer much better rates and terms:
- •Credit unions in Phoenix: Many credit unions approve borrowers with credit scores as low as 500-550. Rates for subprime borrowers are typically 8-14% — far better than 16-25% at BHPH lots. Membership usually costs just $5-25.
- •Online lenders: Capital One Auto Navigator, Carvana, myAutoloan.com, and other online platforms let you get pre-approved before visiting a dealer.
- •Traditional dealerships with subprime departments: Many used car dealerships in Phoenix work with subprime lenders who offer rates of 9-15%.
- •Cash purchase: Saving $2,000-$5,000 for a reliable used car (Toyota Corolla, Honda Civic) eliminates interest payments entirely.
Frequently Asked Questions
- How much is a down payment at buy here pay here lots in Phoenix?
- Most BHPH dealerships in Phoenix, AZ require a down payment of $500 to $2,000. The exact amount depends on the vehicle price, your income level, and the specific dealer. Some lots advertise "$500 down" but may require more for higher-priced vehicles. The down payment is usually required in cash, money order, or debit card — not credit card.
- What interest rate do BHPH dealers charge in Arizona?
- BHPH dealers in Phoenix, AZ typically charge 16-25% APR — well above the 4-7% you would pay with good credit. Arizona does not cap interest rates on BHPH financing, so rates can vary widely. Credit unions in Phoenix often offer rates of 8-14% even for subprime borrowers.
- Does Arizona have a lemon law for BHPH cars?
- Arizona lemon law covers new vehicles only. Used vehicles from BHPH lots are not covered.
- What should I bring to a buy here pay here dealer in Phoenix?
- Bring a valid Arizona driver's license or state ID, proof of income (2-3 recent pay stubs or bank statements showing direct deposits), proof of residence (utility bill, lease agreement, or bank statement with your address), your down payment ($500-$2,000 in cash or money order), and 3-5 personal references with phone numbers. Some dealers also ask for proof of insurance.
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