Buy Here Pay Here
Buy Here Pay Here is a car dealer in Des Moines, Iowa, offering in-house financing and used vehicle sales to local customers.
Confirmed buy here pay hereBHPH Finder score 7.5/10
Open now · closes 5:30 PM4515 Merle Hay Rd, Des Moines, IA 50310Published · Details verified

Google rating
4.0 / 5
Reviews
10
Hours today
8:00 AM – 5:30 PM
Best for
Individuals with poor credit seeking in-house financing for a used vehicle.
About Buy Here Pay Here
Buy Here Pay Here is a buy here pay here dealer at 4515 Merle Hay Rd in Des Moines, Iowa. The dealership provides used vehicle sales and in-house financing options for local customers. It serves individuals seeking second chance financing solutions regardless of their credit history.
The business operates six days a week, opening Monday, Tuesday, Thursday, and Friday from 8:00 AM to 5:30 PM, and Saturday from 8:00 AM to 1:00 PM. The facility remains closed on Wednesdays and Sundays. Customers can reach the sales team directly at 515-270-5267 or visit their website for more information regarding current inventory.
Does Buy Here Pay Here offer in-house financing?
Yes. The name says so, and its website (bhphdm.com) advertises in house financing, reports to bureaus, last checked Sep 8, 2026.
How BHPH Finder scores Buy Here Pay Here: 7.5 out of 10
- Google reputation (4 rating, 10 reviews)
- 5 / 6
- Has a website we could read
- 1 / 1
- Advertises in-house / buy here pay here financing
- 1 / 1
- Prints a down payment figure
- 0 / 0.5
- Says it reports payments to credit bureaus
- 0.5 / 0.5
- Open on Sundays
- 0 / 0.25
- Verified by the owner
- 0 / 0.75
The score weighs Google reputation by review volume (up to 6 points) and adds what the dealer's own website verifiably advertises. It is BHPH Finder's editorial rating, not a customer rating. How it works.
What financing does Buy Here Pay Here offer?
- In-house financing
- Reports payments to credit bureaus
What does Buy Here Pay Here offer?
- In-house financing
- Used car sales
- Second chance financing
- Vehicle inventory
Why customers choose Buy Here Pay Here
Friendly staff interactions
Concerns regarding vehicle mechanical reliability
Accessibility for poor credit buyers
- Located at 4515 Merle Hay Rd in Des Moines
- Offers in-house financing for vehicle purchases
- Open six days a week including Saturdays
- Contactable by phone at 515-270-5267
When is Buy Here Pay Here open?
| Monday | 8:00 AM – 5:30 PM |
| Tuesday | 8:00 AM – 5:30 PM |
| Wednesday | Closed |
| Thursday | 8:00 AM – 5:30 PM |
| Friday | 8:00 AM – 5:30 PM |
| Saturday | 8:00 AM – 1:00 PM |
| Sunday | Closed |
Where is Buy Here Pay Here located?
4515 Merle Hay Rd, Des Moines, IA 50310What do customers say about Buy Here Pay Here?
We had a great experience with our salesman and the other employees. Plus we love our new Camry Hybrid.
Hands down the best place to get a vehicle, you are literally treated like family here not to mention I am in love with my car that I finally found! I recommend buy here pay here to everyone!
Very easy place to get a car for second chance people or people who don’t have very great credit. Definitely not worth the messed up cars they give you, you’ll be paying out of pocket ALOT. I first noticed things when I first purchased my car and reported it they got offended and insisted everything was great and recently replaced. 2,000 miles later engine blew. They don’t care about anything but you making your payments on time. Didn’t have a car for a month. Just be careful and make sure you’re prepared or bring someone with you who knows something about cars so you won’t be ripped off.
Bought a car and have been making payments for a month and problems started the car has been in the shop for a total of 3 times since October 2021. Theres no reason AT ALL the car is 15,000 and is junk. Not to mention i still don't have the car its been in the shop for a month now because the communication between the repair shop and warranty place is trash. I will say they have allowed us to stop payments until we have the car back but i feel like every week we do t have the car the payment should be taken off the total of the car. Im paying my car payment for a rental every week! Complete inconvenience especially for just receiving a car. Recommend you get someone to check out the car before you purchase
I always try to check out a dealership online, but last week the website didn't work and this week the ssl cert for it doesn't match up. Real sketchy to be a dealership connected to the 2 other dealerships, yet not have a working website.
Questions about Buy Here Pay Here
Does Buy Here Pay Here offer in-house financing?
Buy Here Pay Here provides in-house financing for customers looking to purchase a vehicle. This service allows buyers to make payments directly to the dealership.
What are the business hours for Buy Here Pay Here in Des Moines?
Buy Here Pay Here is open Monday, Tuesday, Thursday, and Friday from 8:00 AM to 5:30 PM, and Saturday from 8:00 AM to 1:00 PM. The dealership is closed on Wednesdays and Sundays.
Is Buy Here Pay Here suitable for people with poor credit?
Buy Here Pay Here caters to people with poor credit or those in need of second chance financing options. They specialize in helping individuals who may not qualify for traditional bank loans.



