Buy Here Pay Here: Des Moines

Have you been through bankruptcy, repossession, or foreclosure? Buy here pay here car lots can offer financing to virtually anyone, regardless of credit. They make all credit decisions directly, so they can accommodate a wider range of customers. You will make your payments directly at the dealership, often weekly. Hence the name: “buy here pay here.”

These dealers usually advertise themselves with phrases like: we tote the note, we finance, your job is your credit, or rent to own.

Getting Approved for BHPH Financing

Who wants to cruise around town, trying to find a dealer willing to approve your credit? We’ll find you a dealership that suits your budget and needs. We work with countless dealers in Iowa offer financing for people with problems like bankruptcy or repossession. We provide our expertise completely free, and there are no commitments.

Unlike a bank or credit union, these dealerships seldom have minimum credit requirements. That being said, many dealers do have a minimum monthly income rule: $1500. Keep in mind, this is before-tax income, not what you ultimately bring home on a monthly basis.

This focus on income, as opposed to credit, is why these dealers will often tell you: “your job is your credit.”

Money Down: Necessary?

This is one of the downsides of this type of financing: down payments are usually a requirement. It’s just a fact: people with low credit scores default at a higher rate, so dealers would rather secure a reasonable percentage of the funds upfront. Many consumers negotiate for the lowest down payment possible. The down payment should help mitigate the risk of negative equity, but it’s also money you could set aside in an emergency fund.

The Small Print

Needless to say, you don’t want to plunk down some well-deserved cash for your new vehicle, only to have it repossessed. The dealer will be filled with vehicles that cost too much. You need to go with a sensible car or truck with inexpensive payments. You’ll want to read the fine print in your agreement. Knowledge is power, when it comes to this type of financing. In order to get approved, you may be asked to accept the installation of an ignitiion kill-switch.

Des Moines Buy Here Pay Here Car Lots

Dealer Address Phone
Access Auto Inc 3221 East 14th Street (515) 331-7970
America Used Cars 823 Southeast 14th Street (515) 246-8567
Auto Outlet 2423 Euclid Avenue (515) 299-4741
Auto Specialist Inc. 208 East Army Post Road (515) 953-7528
Baileys Auto 355 Northeast Broadway Avenue (515) 246-1234
Bickel Motors 2507 Northeast Broadway Avenue (515) 265-3891
Big Guys Auto 1717 Southeast 14th Street (515) 244-5021
Bob Brown Advantage Auto 2544 Hubbell Avenue (515) 289-8608
Bob Brown Preowned 2544 Hubbell Avenue (515) 421-8426
Broadway Auto Sales Inc 185 Northwest Broadway Avenue (515) 243-0200
Brown Motorcars 330 Northwest 49th Place (515) 282-0123
Caliber Car Company 4200 East 14th Street (515) 266-2100
Calidelfy Auto 4210 Southeast 14th Street (515) 287-0817
Car Hop Auto Sales And Finance 2527 Se 14th Street (515) 244-4377
Certified Auto Sales 5238 Northwest 2nd Street (515) 288-4290
Classy Chassy Auto Sales 4520 Southeast 14th Street (515) 287-5784
Clemons Used Cars 2110 East University Avenue (515) 265-1467
Coburns Car Center 75 Northwest 47th Place (515) 244-5976
Community Motors 2812 4th Street (515) 243-2741
Denny Murray Cars Inc 2501 East University Avenue (515) 265-5857
Des Moines Auto 5290 Northwest 2nd Street (515) 289-8354
Des Moines Motors 4410 Merle Hay Road (515) 270-5267
Diamante Auto Sales 41311 East 14th Street (515) 264-9142
Diaz Auto 1711 Southeast 14th Street (515) 244-5153
Dons Rebuilders 804 Southeast 30th Street (515) 266-3940
Downing Auto Sales 4108 Fleur Drive (515) 285-3890
Eddie Shrifo Auto Sales 5314 Northwest 2nd Street (515) 289-1403
Efkamp Auto Sales 4240 Northwest 2nd Street (515) 246-0168
El Sol Auto 815 Southeast 14th Street (515) 244-7186
Elamigo Auto Sales 5924 Southwest 9th Street (515) 285-5243
Elite Auto Inc 330 Northwest 48th Place (515) 243-4296
Extreme Auto Plaza 2214 East 14th Street (515) 266-3300
Fast Action Auto 4425 Northwest 2nd Street (515) 265-6611
Francos Used Cars 3030 Merle Hay Road (515) 528-9990
Hope Auto Sales 3017 East 14th Street (515) 265-8897
Hubbell Motors Inc 4101 Southeast 14th Street (515) 299-4815
Jd Byrider 2426 Se 14th Street (515) 697-7073
Johns Auto Sales Inc 5435 Northwest 1st Street (515) 650-9034
Kenworth Mid 4111 Delaware Avenue (515) 421-8803
Klein Motors 95 Northeast 47th Place (515) 244-9333
Los Primos Auto Sale 120 Euclid Avenue (515) 280-1110
M and M Auto Brokers 4585 Northwest 1st Street (515) 282-0623
Martinsons Used Cars 4004 East 14th Street (515) 266-2412
Maury Plaza Motors 1437 Maury Street (515) 243-4119
Mc Kee Auto 5095 Northeast 14th Street (515) 266-5005
McKenna Motors 5325 Northeast 14th Street (515) 645-7940
Mid Iowa Auto Connection 1420 East 14th Street (515) 263-2727
MidWest Motors 4117 Merle Hay Road (515) 777-2744
Moss Motors 4801 Fleur Drive (515) 285-1760
Murray Motors Inc 2602 East Broadway Avenue (515) 262-8244
Northtown Motors 355 Northeast Broadway Avenue (515) 246-1234
Owen Auto 923 Army Post Road (515) 287-7732
Owen Auto Llc 923 Army Post Road (515) 287-7732
R Huber Muscle Cars 401 44th Street (515) 244-2408
Reliable Motors Inc 5496 Northeast 14th Street (515) 299-5000
RVR Car Company 1026 Army Post Road (515) 285-8377
San Diego Auto Sales 2000 East Euclid Avenue (515) 265-0134
Saravias Auto Sales 1450 Delaware Avenue (515) 266-2221
Scion Of Des Moines 4475 Merle Hay Road (515) 276-4911
Southridge Auto Sales 6017 Southeast 14th Street (515) 285-2800
Stock Motors Inc 1101 Southwest 63rd Street (515) 277-5000
Tbk Wholesale 1611 Army Post Road (515) 953-1166
Toms Auto Sales and Service 2136 East University Avenue (515) 262-9538
Ultimate Auto Center 2001 Hubbell Avenue (515) 266-1888
Van Meter Auto Sales L.C. 3409 6th Avenue (515) 987-1050
Westown Auto 111 East 3rd Street (515) 282-3244
Wholesale Auto Inc 4400 Southwest 9th Street #2 (515) 285-9903
Xtreme Autoworx 5701 Northwest 2nd Street (515) 664-6609

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