Buying a car from a Buy Here Pay Here (BHPH) lot is often associated with several risks. While that may be true, it can be a good option if you need a car and can’t get financing from a traditional lender. 

Simply put, Buy Here Pay Here (BHPH) car lots in St Louis are dealerships that offer financing to buyers with poor or no credit history. They typically sell used cars and charge high-interest rates and fees. 

That’s one reason why many people shy away. But circumstances are different, and you may need BHPH options. 

If you are in St Louis, I have some brilliant suggestions. Just read on.


How Buy Here Pay Here Car Lots Work


Unlike traditional dealerships, where you secure financing through a third-party lender, BHPH car lots cut out the middleman. 

They offer in-house financing, allowing you to choose and finance your vehicle directly with them. 

It’s a streamlined process that simplifies the buying experience, especially for those with less-than-perfect credit scores.

However, it’s important to note that this convenience comes at a cost. BHPH car lots generally charge higher rates and fees.

They also require larger down payments compared to traditional financing routes. That’s why you must carefully consider the implications and thoroughly evaluate the terms before signing any agreements.

Most importantly, you need to choose only the best Buy Here Pay Here Car Lots in St Louis.


10 Best Buy Here Pay Here Car Lots In St Louis

Best BHPH banner

There are many BHPH car lots in St Louis. They vary in terms of pricing, models, and quality of cars. And since money will be involved, you can’t just pick any dealership that pops on the screen.

To make your work easier, I’ve listed the best buy here pay here car lots in St Louis, MO. This list is based on online reviews and recommendations from friends. 

  • Best Buy Auto Sales – located in the South Grand neighborhood of St. Louis.
  • Auto Buy Credit – Find them in S Kingshighway Blv
  • Affordable Auto Credit Inc – in Gravois Avenue
  • St Louis Auto Car Sales – Delmar Blvd
  • Joe-K Used Cars – along Manchester Avenue
  • IMPORT MOTORS – along St. Charles Rock Road
  • Rock Road Auto Plaza – located along Manchester Road
  • E Cars – find them in S Broadway, best if you are near Benton Park
  • MINI of St Louis is located in Brentwood. They offer financing to buyers with good credit.
  • DriveTime Used Cars – Located along Pershall Road

All these dealerships have several models of used cars, trucks, and SUVs. They also offer financing to buyers with bad credit or no credit history.


How To Choose The Right Buy Here Pay Here Car Lot In St Louis, MO

Even after suggesting the best BHPH car lots in St. Louis, you can’t go for all. So, how do you pick the best?

Consider the following factors:

  • Location – the nearest dealerships are often more convenient.
  • Excellent reputation – reputation matters, so go for car lots with a solid track record and positive customer reviews.
  • Vehicle collection and quality – you want a reliable set of wheels that won’t leave you stranded on the side of the road. So choose one with quality vehicles. 
  • Transparency – Make sure the car lot provides clear pricing information and is transparent about the financing terms


Pros and Cons of Buying a Car From a BHPH Lot



  • Bad credit or no credit history won’t affect the deal
  • Quick – as BHPH lots don’t typically have a long approval process
  • Lower down payments compared to traditional lenders.


  • High interest rates and fees
  • Many cars at BHPH lots are often in poor condition
  • The car may be repossessed if you miss a payment.


Pro Tips For Buying a Car From a BHPH Lot


  • Get pre-approved for financing from a traditional lender before you go to the lot. This will give you an idea of what your interest rate and monthly payments will be.
  • Compare different BHPH dealerships. Not all Buy Here Pay Here car lots in St Louis are equal. Some dealerships are more reputable than others.
  • Get the car inspected by a mechanic before you buy it. This will help you identify any potential problems with the car.
  • Be prepared to pay a high interest rate and fees. BHPH loans typically have higher interest rates and fees than traditional car loans.
  • Make sure you understand the terms of the loan before you sign anything. This includes the interest rate, downpayment, monthly payments, and other fees.
  • Make consistent, on-time payments toward your BHPH loan. It’ll have a positive impact on your credit score. This can open doors to more favorable financing options in the future.


What Are the Alternatives to BHPH Car Lots?


While BHPH car lots offer convenience and flexibility, there are alternative options. You can consider bank loans, credit unions, or other financial institutions that may offer more favorable interest rates and loan terms. 

Certified pre-owned dealerships are another viable alternative. They often provide quality vehicles with warranties and thorough inspections.

If you are comfortable with private transactions, purchasing a used vehicle directly from an individual seller can be a cost-effective option. 

However, be cautious and ensure you conduct proper due diligence. Obtain an updated vehicle history report and have a trusted mechanic inspect the car.

Lastly, lease-to-own programs can be a great option but are often more expensive. Here, you lease a car with the option to buy it at the end of the lease.


Over to you…


To sum up, buying a car with bad credit can be a challenge, but it is possible. There are plenty of Buy Here Pay Here car lots in St. Louis this year, which makes things easier.

However, not all dealerships are worth a visit. I’ve highlighted the best ones this year to make your easier. Following the tips up there, pick your best option.