Alpha Motors
Alpha Motors is a Schenectady-based car dealer offering a wide selection of used vehicles and a professional, efficient buying experience.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 1814 State St, Schenectady, NY 12304
- Type
- car dealer
Buy Here Pay Here Albany NY: 12+ Local BHPH Car Dealers
Albany, NY features more than 12 buy here pay here (BHPH) car dealers offering used vehicles with in-house financing. These local Albany BHPH dealers provide an alternative to traditional financing by allowing buyers to make payments directly to the dealer. Listings include dealers in Albany and nearby areas such as Latham, Troy, and Rensselaer. Buy here pay here dealers in Albany work by offering in-house financing to customers who may have difficulty securing loans from credit bureaus. Buyers typically need a valid ID, proof of income, and a down payment. Payment schedules vary by dealer, so comparing terms, vehicle selection, and customer reviews is important to find the best fit in Albany.
23 dealers4.5 average ratingUpdated Sep 2026
Published · Updated
How Buy Here Pay Here Works in Albany, NY
How to choose a dealer in Albany
- Check the vehicle selection available at Albany BHPH dealers before visiting.
- Compare in-house financing terms and payment schedules offered in Albany.
- Read customer reviews for Albany BHPH dealers to gauge reliability.
- Confirm the required down payment and documentation needed in Albany.
- Visit multiple Albany area dealers to compare prices and vehicle conditions.
23 dealers in Albany, NY
2010 Auto Sales
2010 Auto Sales is a used car dealership in Troy, New York, offering pre-owned vehicles and full-service assistance with financing and DMV paperwork.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 343 2nd Ave, Troy, NY 12182
- Type
- car dealer
Olympia MotorCar Company
Olympia MotorCar Company is a used car dealer in Rensselaer, New York, known for its friendly staff and transparent customer service.
- Hours today
- 10:00 AM – 6:30 PM
- Address
- 602 South St, Rensselaer, NY 12144
- Type
- car dealer
Signature Auto Ranch
Signature Auto Ranch is a Latham, NY, car dealer offering reconditioned used vehicles and a professional, low-pressure purchasing experience for all customers.
- Hours today
- 9:00 AM – 5:30 PM
- Address
- 155d Wade Rd, Latham, NY 12110
- Type
- car dealer
Absolute Auto Credit - Display Lot
Absolute Auto Credit is a buy here pay here dealership in Schenectady, New York, offering in-house financing and transparent customer service.
- Address
- 1884 State St, Schenectady, NY 12304
- Type
- car dealer, finance
Exit5 Auto Group
Exit5 Auto Group is a family-owned dealership in Latham, NY, offering used vehicle sales, financing, and professional automotive repair services.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 625 Watervliet Shaker Rd, Latham, NY 12110
- Type
- tire shop, auto parts store
Michael's Auto Plaza
Michael's Auto Plaza is a car dealer in East Greenbush, New York, offering pre-owned vehicle sales and customer service seven days a week.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 601 Columbia Turnpike, East Greenbush, NY 12061
- Type
- car dealer
Y & H AUTO PLANET
Y & H Auto Planet is a highly rated car dealer in Rensselaer, New York, offering quality pre-owned vehicles and professional customer service.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 324 Columbia Turnpike, Rensselaer, NY 12144
- Type
- car dealer
Keeler Pre-Owned
Keeler Pre-Owned is a Latham, NY car dealer offering pre-owned vehicle sales and financing options six days a week.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 1111 Troy-Schenectady Rd, Latham, NY 12110
- Type
- truck dealer, car dealer
Victor Eid Auto LLC
Victor Eid Auto LLC is a family-run used car dealership in Troy, New York, offering reliable pre-owned vehicles and on-site maintenance services.
- Hours today
- 9:00 AM – 5:00 PM
- Address
- 644 Pawling Ave, Troy, NY 12180
- Type
- car dealer
Dave Mosher Auto Sales LLC
Dave Mosher Auto Sales LLC is an Albany, New York dealership offering a diverse inventory of used cars, trucks, and luxury SUVs.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 1999 Central Ave, Albany, NY 12205
- Type
- truck dealer, car dealer
Adam Auto Agency
Adam Auto Agency is a car dealer in Rensselaer, NY, offering vehicle sales and customer service seven days a week.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 27 Columbia St, Rensselaer, NY 12144
- Type
- car dealer
JBR Auto Sales
JBR Auto Sales is a pre-owned vehicle dealership in Albany, NY, providing inventory and financing options with professional customer service.
- Hours today
- 8:00 AM – 6:00 PM
- Address
- 1363 Central Ave, Albany, NY 12205
- Type
- car dealer
Titan Auto Sales LLC
Titan Auto Sales LLC is a car dealership in Albany, NY, offering a variety of used vehicles including trucks, SUVs, and minivans with warranties.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 1037 Central Ave, Albany, NY 12205
- Type
- truck dealer, car dealer
WS Auto Sales
WS Auto Sales is a locally owned dealership in Castleton-on-Hudson, NY, offering a wide selection of used cars, trucks, and SUVs.
- Hours today
- 10:00 AM – 6:00 PM
- Address
- 1896 US-9, Castleton-On-Hudson, NY 12033
- Type
- car dealer, truck dealer
EZ Own Auto
EZ Own Auto is a buy here pay here dealership in Scotia, NY, offering vehicle sales and an on-site maintenance department.
- Hours today
- 8:00 AM – 5:00 PM
- Address
- 533 Saratoga Rd, Scotia, NY 12302
- Type
- car dealer
C & R Auto Sales Inc.
C & R Auto Sales Inc. is a car dealer and repair shop in Albany, NY, offering used vehicle sales and professional automotive maintenance services.
- Hours today
- 9:00 AM – 5:00 PM
- Address
- 44 Catherine St, Albany, NY 12202
- Type
- car repair, car dealer
CarMax
CarMax is a used car dealer in Albany, NY, offering an extensive inventory of pre-owned vehicles and a streamlined online purchasing experience.
- Hours today
- 11:00 AM – 8:00 PM
- Address
- 1860 Central Ave, Albany, NY 12205
- Type
- car dealer
The King of Credit - Used Car Dealer Clifton Park, NY
The King of Credit is a buy here pay here dealer in Clifton Park, New York, offering used car sales and on-site vehicle service.
- Hours today
- 9:00 AM – 7:00 PM
- Address
- 1623 & 1660 US-9, Clifton Park, NY 12065
- Type
- car dealer
South Point Auto Plaza
South Point Auto Plaza is a car dealership in Albany, NY, offering vehicle sales and financing services six days a week.
- Hours today
- 9:00 AM – 6:00 PM
- Address
- 1045 Central Ave, Albany, NY 12205
- Type
- car dealer
Which Buy Here Pay Here Dealers in Albany Are Rated Highest?
2010 Auto Sales ranks first among Albany dealers with a 4.9 Google rating from 463 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 | 2010 Auto Sales343 2nd Avenue | 4.9 | 463 | No | +1 518-323-2010 |
| 2 | Alpha Motors1814 State Street | 5.0 | 180 | No | +1 518-401-6565 |
| 3 | Olympia MotorCar Company602 South Street | 4.9 | 218 | Yes | +1 518-932-6968 |
| 4 | Exit5 Auto Group625 Watervliet Shaker Road | 4.7 | 930 | No | +1 518-541-5000 |
| 5 | Michael's Auto Plaza601 Columbia Turnpike | 4.7 | 725 | Yes | +1 518-689-0266 |
| 6 | Y & H AUTO PLANET324 Columbia Turnpike | 4.7 | 410 | Yes | +1 518-821-0553 |
| 7 | Signature Auto Ranch155d Wade Road | 4.9 | 68 | No | +1 518-788-8965 |
| 8 | Keeler Pre-Owned1111 Troy-Schenectady Road | 4.7 | 183 | No | +1 877-678-1057 |
| 9 | Absolute Auto Credit - Display Lot1884 State Street | 4.8 | 92 | — | +1 518-280-5804 |
| 10 | Victor Eid Auto LLC644 Pawling Avenue | 4.7 | 144 | No | +1 518-516-5433 |
Buy Here Pay Here in Albany: Common Questions
What documents do Albany buyers need for buy here pay here financing?
Albany buyers need a valid ID, proof of income, and a down payment to qualify for buy here pay here financing. These requirements help dealers offer in-house financing without involving credit bureaus.
How many buy here pay here dealers are there in Albany, NY?
There are more than 12 buy here pay here dealers serving Albany, NY and nearby communities. These dealers provide a variety of used vehicles with in-house financing.
Can Albany buyers negotiate payment schedules at BHPH dealers?
Albany buyers can often discuss and arrange payment schedules directly with buy here pay here dealers. Payment plans vary by dealer and should be compared in advance.
Are credit checks required at Albany buy here pay here dealerships?
Albany buy here pay here dealerships typically do not require credit checks because they offer in-house financing. This allows buyers with poor or no credit to purchase vehicles.
Buy Here Pay Here Dealers Near Albany
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