No money down car dealers are lots whose websites advertise zero or low down payments for buyers with bad or no credit. BHPH Finder lists 318 dealers in 140 US cities that advertise low or $0 down; most attach conditions such as proof of income, a trade-in or a higher weekly payment.
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At some buy here pay here dealers, yes, but "$0 down" is a marketing figure that usually depends on a trade-in, a tax refund assignment, or the cheapest vehicles in stock. The dealer still needs its risk covered, so the missing down payment shows up as a higher price, a higher rate or a longer term. Compare the total cost, not the money due at signing.
Steady, provable income is the substitute for a down payment. Bring recent pay stubs, a utility bill, your licence and references. Many zero down offers also require the first weekly or bi-weekly payment on the day you drive off.
The dealers below advertise low or zero down on their own websites. City pages show their hours, ratings and the exact wording of the offer; call to confirm which vehicles it applies to.
| State | Dealers advertising it |
|---|---|
| Texas | 30 |
| Florida | 28 |
| Ohio | 20 |
| Indiana | 18 |
| Minnesota | 17 |
| Tennessee | 17 |
| Georgia | 12 |
| Michigan | 12 |
| Oklahoma | 12 |
| Arizona | 11 |
| Colorado | 9 |
| Kansas | 9 |
| Illinois | 8 |
| South Carolina | 8 |
| Washington | 8 |
| North Carolina | 7 |
| Iowa | 6 |
| Nebraska | 6 |
| Wisconsin | 6 |
| Missouri | 5 |
| Oregon | 5 |
| Rhode Island | 5 |
| Alabama | 4 |
| Arkansas | 4 |
| Connecticut | 4 |
Cities with at least 3 qualifying dealers have their own page; each lists the dealers with hours, rating and the wording from the dealer's site.
Ranked by Google rating weighted by review volume (minimum 10 reviews), across every city on BHPH Finder.
Bad-credit financing8.2/10
Alaska Statewide Auto Sales LLC is a locally owned dealership in Anchorage, Alaska, offering used vehicle sales, auto storage, and brokering services.
Confirmed BHPH8.4/10
Burns Buy Here Pay Here of Rock Hill is a dealership offering cars, trucks, and vans with in-house financing in Rock Hill, South Carolina.
Confirmed BHPH8.4/10
RightWay Auto Sales is a buy here pay here dealer in Lansing, MI, offering a large selection of used and certified pre-owned vehicles.
Confirmed BHPH8.3/10
Pearcy Auto Sales is a buy here pay here dealer in West Memphis, Arkansas, offering used vehicle sales and financing options.
Confirmed BHPH7.8/10
Carplex Indy West is an Indianapolis buy here pay here dealership offering used vehicle sales and repair services to the local community.
Confirmed BHPH7.8/10
Burns Auto Credit of Lugoff is a buy here pay here dealership offering vehicle sales and in-house financing in Lugoff, South Carolina.
Bad-credit financing7.3/10
All United Auto is a car dealer and repair shop in Plant City, Florida, offering vehicle sales and automotive services six days a week.
Confirmed BHPH8.3/10
Johnny's Auto Motor is a family-owned buy here pay here dealer in Indianapolis offering used vehicle sales, financing, and repair services.
Confirmed BHPH7.8/10
Cars and Credit Master is a buy here pay here dealership in Garland, Texas, providing in-house financing and a large inventory of used vehicles.
Confirmed BHPH8.2/10
RightWay Auto Sales is a Midlothian, Illinois, car dealer offering used vehicles and auto financing options for customers with various credit backgrounds.
Confirmed BHPH8.2/10
Express Credit Auto is a buy here pay here dealer in Oklahoma City offering no-credit financing and low down payment vehicle options.
Confirmed BHPH7.7/10
Dale's & Bartlett Motors is a San Antonio buy here pay here dealer offering in-house financing on a wide selection of used vehicles.
No. $500 down dealers print a fixed low figure; no money down dealers advertise zero or "low" down, usually with conditions. BHPH Finder keeps them on separate lists because the offers differ.
Usually, for the first year or more. With nothing down and a high rate, the loan balance starts above the car's resale value, which matters if the car is totalled or repossessed.
Yes, and it is the most common way to reach $0 cash down. 52% of dealer websites analysed by BHPH Finder say they accept trade-ins.