Buy Here Pay Here Florida: Top BHPH Dealers in Major Cities
Buy here pay here (BHPH) car dealers in Florida are concentrated in major cities including Orlando, Jacksonville, Tampa, Tallahassee, and Miami, each offering around 40 dealers. These dealers provide an alternative financing option for buyers who need in-house financing without relying on credit bureaus. When comparing BHPH dealers in Florida, buyers should consider factors such as vehicle selection, payment terms, and dealer reputation. Many Florida BHPH dealers offer a range of used vehicles suitable for different budgets and needs.
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Buy Here Pay Here Dealers by City in Florida
Top-Rated Buy Here Pay Here Dealers in Florida
| # | Dealer | Rating | Reviews | Open Sunday | Phone |
|---|---|---|---|---|---|
| 1 | Autoline Preowned2126 Mayport Road | 5.0 | 7,189 | Yes | +1 904-242-8000 |
| 2 | AUTOBUY Miami - We Pay The Max3333 Northwest 167th Street | 4.9 | 5,434 | Yes | +1 888-840-5230 |
| 3 | DriveTime Used Cars2421 West Tennessee Street | 4.9 | 4,319 | No | +1 850-601-6970 |
| 4 | Credit Cars4500 West Colonial Drive | 4.9 | 3,089 | No | +1 407-295-6211 |
| 5 | Giant Motor Cars2004 East Doctor Martin Luther King Junior Boulevard | 4.9 | 802 | No | +1 813-222-0010 |
| 6 | Buy Here Pay Here FL645 North State Road 7 | 4.9 | 577 | No | +1 954-405-0065 |
| 7 | Legendary Automotive ,Inc7110 West Tennessee Street | 4.9 | 558 | No | +1 850-825-1572 |
| 8 | Machado Auto Sales843 Northwest 27th Avenue | 4.9 | 307 | No | +1 786-397-7033 |
| 9 | AFFORDABLE ONE AUTO5116 Old Winter Garden Road | 4.9 | 293 | No | +1 407-237-9701 |
| 10 | DRIVENOW4176 Apalachee Parkway | 4.9 | 258 | No | +1 850-320-6441 |
Buy here pay here car dealers in Florida: what to know
Florida buyers should expect to provide a down payment and proof of income when applying for BHPH financing. Since BHPH dealers handle financing directly, buyers make payments to the dealer rather than a third-party lender. It is important to verify dealer licensing and inquire about Florida-specific consumer protections. Buyers should also review the terms of the contract carefully, as these can vary significantly between dealers and affect the total cost of ownership.
How does buy here pay here financing work in Florida?
Buy here pay here financing in Florida means that the car dealer finances the vehicle purchase directly without involving traditional lenders or credit bureaus. Buyers typically provide a down payment and make weekly or monthly payments directly to the dealer. This setup allows buyers with poor or no credit history to access vehicle financing. Florida BHPH dealers manage the loan in-house, setting terms and schedules based on their policies and the buyer's financial situation.
What does a Florida BHPH purchase cost?
The cost of a buy here pay here purchase in Florida varies by dealer and vehicle but generally includes the vehicle price, a down payment, and finance charges incorporated into the payment plan. Buyers should expect higher interest rates compared to traditional financing due to the increased risk dealers take. Additional fees for licensing, registration, and sales tax are also applicable. Florida buyers should request a full breakdown of all costs before signing a contract.
How do you choose a dealer in Florida?
Choosing a BHPH dealer in Florida involves verifying the dealer’s state licensing and reputation, reviewing customer feedback, and comparing vehicle inventory and payment terms. Buyers should confirm the dealer’s compliance with Florida consumer protection laws and ensure that payment schedules are clear and manageable. Visiting multiple dealers in cities like Orlando, Jacksonville, Tampa, Tallahassee, or Miami helps buyers find the best fit for their needs and budget.
Before you sign in Florida
- Verify the dealer’s Florida vehicle dealer license
- Check the vehicle’s condition and history report
- Understand all fees, including down payment and finance charges
- Review the payment schedule and terms carefully
- Confirm if proof of income or residency is required
- Ask about Florida-specific consumer protections
- Read and keep a copy of the signed contract
Florida questions
Do Florida BHPH dealers check credit reports?
Florida buy here pay here dealers usually do not check credit reports or credit bureaus since they provide in-house financing.
What documents do I need to buy from a Florida BHPH dealer?
Buyers typically need a valid driver’s license, proof of income, proof of residency, and a down payment to purchase from a Florida BHPH dealer.
Are Florida BHPH contracts regulated?
Yes, Florida regulates vehicle sales and financing, but buyers should verify dealer licensing and understand contract terms before signing.
Can I trade in my vehicle at a Florida BHPH dealer?
Many Florida BHPH dealers accept trade-ins, which can be applied toward the down payment or purchase price.