#1Buy Here Pay Here Dealers in St. Louis, MO
St. Louis, MO features more than 12 buy here pay here (BHPH) car dealers offering a variety of used vehicles with in-house financing. These St. Louis dealers include well-rated businesses like SmartBuy Car Sales, Vogue Motor Company, and Reauto Pre-Owned Vehicles. Buyers can explore options across the city and nearby areas such as Collinsville and Florissant. The directory lists dealers with ratings and reviews to help customers find reliable BHPH options in St. Louis. Buy here pay here dealers in St. Louis provide in-house financing directly to buyers, typically requiring a down payment and setting up payment schedules tailored to the buyer's situation. Buyers in St. Louis should prepare basic documentation and consider their credit history as most dealers report to credit bureaus. Comparing dealers by customer reviews, ratings, and vehicle selection helps St. Louis buyers choose the best fit for their needs and budget.
- 61 dealers
- 2 confirmed BHPH
- 4.2 avg rating
- 58 open now
- 28 rated 4.5+
Published · Updated
Top-Rated Buy Here Pay Here Dealers in St. Louis
#1
#2
#361 dealers in St. Louis, MO
DriveTime Used Cars
Bad-credit financing7.4/10
DriveTime Used Cars is a St. Louis dealership providing used vehicle sales and in-house financing services to the local community.
- Hours today
- 10:00 AM – 7:00 PM
- Address
- 3062 Pershall Rd, St. Louis, MO 63136
- Type
- truck dealer, car dealer
Somers Auto Sales
Financing not verified6.1/10
Somers Auto Sales is a St. Louis car dealer offering a variety of vehicles and customer-focused service six days a week.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 7700 Watson Rd, St. Louis, MO 63119
- Type
- car dealer
DriveTime Used Cars
Bad-credit financing7.2/10
DriveTime Used Cars is a St. Louis dealership offering used vehicle sales and in-house financing services to local customers.
- Hours today
- 11:00 AM – 7:00 PM
- Address
- 7400 S Lindbergh Blvd, St. Louis, MO 63125
- Type
- truck dealer, car dealer
Hollywood Motors
Financing not verified6.2/10
Hollywood Motors is a buy here pay here dealership in Breckenridge Hills, Missouri, offering used vehicle sales and automotive repair services.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 9500 St Charles Rock Rd, Breckenridge Hills, MO 63114
- Type
- car dealer, truck dealer
Reauto Pre-Owned Vehicles
Financing not verified6.2/10
Reauto Pre-Owned Vehicles is a buy here pay here dealer selling used cars with in-house financing in St. Louis, Missouri.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 9300 St Charles Rock Rd, St. Louis, MO 63114
- Type
- car dealer
CarHub
Financing not verified6.1/10
CarHub is a St. Louis dealership providing vehicle sales, in-house financing options, and repair services for new and used cars.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 8584 St Charles Rock Rd, St. Louis, MO 63114
- Type
- car dealer, car repair
CAPITAL CITY MOTORS LLC
Financing not verified6/10
Capital City Motors LLC is a Saint Ann car dealer providing a transparent and efficient vehicle purchasing experience six days a week.
- Hours today
- 10:00 AM – 7:00 PM
- Address
- 10059 St Charles Rock Rd, St Ann, MO 63074
- Type
- car dealer
Lou Fusz Automotive Network
Financing not verified6.1/10
Lou Fusz Automotive Network is a car dealership in Maryland Heights, Missouri, offering vehicle sales with weekday operating hours.
- Hours today
- 8:00 AM – 4:00 PM
- Address
- 13690 Riverport Dr Ste 220, Maryland Heights, MO 63043
- Type
- car dealer
SmartBuy Car Sales
Financing not verified6.1/10
SmartBuy Car Sales is a St. Louis car dealership offering used vehicle sales and customer support at 9601 St Charles Rock Rd.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 9601 St Charles Rock Rd, St. Louis, MO 63114
- Type
- car dealer
Vogue Motor Company
Financing not verified6.6/10
Vogue Motor Company is a St. Louis used-car dealer providing vehicle sales, financing, and professional automotive repair services.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 7125 Manchester Ave, St. Louis, MO 63143
- Type
- car dealer
LUCKY MOTORZ
Financing not verified6/10
LUCKY MOTORZ is a buy here pay here dealer in Breckenridge Hills providing used vehicle sales, financing, and warranty services.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 9440 St Charles Rock Rd, Breckenridge Hills, MO 63114
- Type
- car dealer
KAY MOTORS LLC
Financing not verified5.9/10
KAY MOTORS LLC is a car dealership in Affton, Missouri, offering used vehicle sales six days a week.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 8501 Gravois Rd, Affton, MO 63123
- Type
- car dealer
Premium Motors LLC
Financing not verified6/10
Premium Motors LLC is a family-run car dealer in St. Louis, Missouri, providing a range of used vehicles and dedicated after-sales service.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 7960 Page Ave, St. Louis, MO 63133
- Type
- car dealer
ERS Motors LLC
Financing not verified6/10
ERS Motors LLC is a Bridgeton, Missouri used-car dealership providing vehicle sales and customer support six days a week.
- Hours today
- 10:00 AM – 7:00 PM
- Address
- 11250 St Charles Rock Rd, Bridgeton, MO 63044
- Type
- car dealer
Royal Motor Sales LLC
Financing not verified6/10
Royal Motor Sales LLC is a St. Louis-based used car dealer providing discount vehicles and customer-focused financing support.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 4101 Chippewa St, St. Louis, MO 63116
- Type
- car dealer
Grow Automotive
Financing not verified5.9/10
Grow Automotive is a St. Louis buy here pay here dealer offering quality pre-owned vehicles and professional in-house financing services.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 8500 Watson Rd, St. Louis, MO 63119
- Type
- finance, car dealer
Xclusive Auto Sales
Financing not verified5.9/10
Xclusive Auto Sales is a St. Louis-based dealership offering a wide selection of used vehicles and professional customer service.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 3181 Gravois Ave #2118, St. Louis, MO 63118
- Type
- car dealer
AtoZ-Car
Financing not verified5.8/10
AtoZ-Car is a St. Louis dealership providing clean pre-owned vehicles and professional customer service six days a week.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 6994 Chippewa St, St. Louis, MO 63109
- Type
- car dealer
5 Star Auto Plaza
Financing not verified6.4/10
5 Star Auto Plaza is a Saint Charles, MO, dealership offering pre-owned vehicle sales, in-house financing, and professional car repair services.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 3690 W Clay St, St Charles, MO 63301
- Type
- truck dealer, car repair
Suntrup Automotive Group
Financing not verified6.4/10
Suntrup Automotive Group is a family-owned dealership in St. Louis offering vehicle sales, auto parts, and professional car repair services.
- Hours today
- 9:00 AM – 8:00 PM
- Address
- 5960 S Lindbergh Blvd, St. Louis, MO 63123
- Type
- car dealer, auto parts store
How Many Buy Here Pay Here Dealers Are in St. Louis, MO?
St. Louis, Missouri has 61 buy here pay here dealers listed on BHPH Finder, with an average Google rating of 4.2 across 26,354 reviews. 28 dealers score 4.5 or higher with at least 10 reviews. 0% open on Sundays. 59 of them publish a website with their financing terms.
Which Areas of St. Louis Have Buy Here Pay Here Dealers?
Dealers in the St. Louis list come from these surrounding towns as well as St. Louis itself. Pick one to filter the list.
How Buy Here Pay Here Works in St. Louis, MO
What to expect from St. Louis dealers
How to choose a dealer in St. Louis
- Check dealer ratings and reviews from St. Louis customers for reliability.
- Compare down payment requirements at buy here pay here dealers in St. Louis.
- Verify if the St. Louis dealer reports payments to credit bureaus to build credit.
- Review available vehicle types and conditions offered by St. Louis BHPH dealers.
- Ask about payment schedules and flexibility at each St. Louis buy here pay here lot.
- Consider dealer locations in St. Louis and nearby areas for convenience.
Which Buy Here Pay Here Dealers in St. Louis Are Rated Highest?
DriveTime Used Cars ranks first among St. Louis dealers with a 4.9 Google rating from 3,174 reviews. The ranking weighs each dealer's Google rating by its review volume (minimum 10 reviews), so a 4.6 with 800 reviews outranks a 5.0 with 12.
| # | Dealer | Rating | Reviews | Open Sunday | Phone |
|---|---|---|---|---|---|
| 1 | DriveTime Used Cars3062 Pershall Road | 4.9 | 3,174 | No | +1 314-824-1170 |
| 2 | DriveTime Used Cars7400 South Lindbergh Boulevard | 4.8 | 1,836 | No | +1 314-649-1980 |
| 3 | Hollywood Motors9500 Saint Charles Rock Road | 4.8 | 1,069 | No | +1 314-423-0033 |
| 4 | Reauto Pre-Owned Vehicles9300 Saint Charles Rock Road | 4.8 | 518 | No | +1 314-733-5888 |
| 5 | CarHub8584 Saint Charles Rock Road | 4.8 | 208 | No | +1 314-755-1881 |
| 6 | Lou Fusz Automotive Network13690 Riverport Drive | 4.7 | 787 | No | +1 314-983-7466 |
| 7 | SmartBuy Car Sales9601 Saint Charles Rock Road | 4.7 | 743 | No | +1 314-736-6995 |
| 8 | Vogue Motor Company7125 Manchester Avenue | 4.7 | 537 | No | +1 314-776-2122 |
| 9 | Somers Auto Sales7700 Watson Road | 4.9 | 79 | No | +1 314-455-4195 |
| 10 | LUCKY MOTORZ9440 Saint Charles Rock Road | 4.7 | 235 | No | +1 314-428-5825 |
Buy Here Pay Here in St. Louis: Common Questions
What documents do I need to buy here pay here in St. Louis?
St. Louis buyers need a valid ID, proof of income, and proof of residence. These documents help buy here pay here dealers set up in-house financing and payment plans.
Do St. Louis buy here pay here dealers report to credit bureaus?
Many St. Louis buy here pay here dealers report payment activity to credit bureaus. This helps buyers build or improve credit with on-time payments.
Can I negotiate the down payment at St. Louis BHPH dealers?
St. Louis buy here pay here dealers often allow negotiation of the down payment amount. Buyers should discuss terms directly with each dealer.
Are payment schedules flexible at buy here pay here dealers in St. Louis?
Payment schedules at St. Louis buy here pay here dealers are usually designed to fit buyers’ income cycles. Flexibility depends on the dealer’s policies.
Which Buy Here Pay Here Dealers Are Near St. Louis?
The nearest cities to St. Louis with listed dealers are Springfield, IL (85 miles, 47 dealers), Decatur, IL (107 miles, 34 dealers), Columbia, MO (117 miles, 46 dealers), Peoria, IL (146 miles, 58 dealers), Evansville, IN (150 miles, 59 dealers) and Jonesboro, AR (194 miles, 55 dealers). Buyers in St. Louis often widen the search to these markets when a lot's inventory or down payment does not fit.
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