Cars for sale near me bad credit

Unlike other dealerships, we finance 99% of our vehicle sales. We do not shop your car loan application out to other banks or financial institutions. Our in-house auto financing helps your credit score stay higher and allows us to approve you faster!

Need an affordable used car with a low down payment? Buy Here Pay Here car dealers near you have cars for sale with only $500 down (or less)!

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Frequently Asked Questions

What is Buy Here Pay Here?

Buy Here Pay Here (BHPH) financing means that you arrange the car loan and make payments on it at the dealership.

How does Buy Here Pay Here work?

The auto dealer sells you the used car and lends you the money to buy it. In other words, the BHPH dealership is the finance company.

What is the difference between a Buy Here Pay Here dealer and a traditional car dealer?

Traditional dealerships, like BHPH dealers, also offer financing to their customers, but there are slight differences. A traditional car dealer talks about financing options with the customer near the end of the purchasing process. BHPH dealers typically focus on qualifying finance questions first, which then helps determine which cars you can afford. The main advantage of a BHPH dealer is that they specialize in working with credit-challenged borrowers.

Who should go to a Buy Here Pay Here dealership?

Traditional third-party lenders like banks, credit unions or the OEM’s finance company are typically the first choice for financing options. Your credit may be better than you think. If all the traditional financing options decline your application, then a BHPH dealer may be a better fit.

How can I get an auto loan with poor credit?

If you have very poor credit or no credit at all, you might find a BHPH dealer is right for you. BHPH car dealerships can lend you the money you need to buy a car. Buy Here Pay Here is another path to buying a used car with credit for those borrowers who find it difficult to get approved through traditional auto lending channels.

Credit Help Center

Learn how to buy a car with bad credit or no credit.

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1 owner. Car is accident free and on original paint. Guarantee non PHV else money back. Car inspected by workshop with recommended replacement done. Low fuel consumption. Quiet and non shaky engine. Healthy grippy CVT. Overall a perfect cost effective mid size sedan. Warranty and servicing package provided. High loan/trade in/scrap welcome

This car comes with 6-mth Sgcarmart Warranty - the best protection for your car. Learn More

1 Owner, New Engine Mounting, Short term commitment to drive Conti car at affordable depreciation! Reliable yet spacious, low maintenance cost. Full loan welcome with high approval rate! Call us now for more details!

View to appreciate only, one careful owner, accident free, no repair needed, high trade in and loan available.

Fuel Type: Diesel (Euro 5 Engine and Above)    

2 owner. 100% accident free. Full agent (Wearnes) serviced and maintenance done. Well kept pristine condition. Renowned reliability with superb low fuel consumption of up to 1000km per tank. High tech with lots of features. High power and quiet drive with high tech features. Warranty and free servicing packages provided. Flexible financing. High loan/trade in/scrap welcome

High spec unit with sport chrono, PSM and sport plus mode. Perfect accident free chassis. Car inspected by workshop with needed wear tear done up. Zero oil leak, zero water leak and zero undercarriage knocks. Easily the better condition ones around. Flexible financing. High loan/trade in/scrap welcome

$45,900$7,840 /yr23-Oct-19981,587 cc153,000 kmSedanAvailablewear & tear done with receipts! Extra car components to be passed down to the next owner. Superb condition, front bucket hugging seats! well taken care beautiful white and black paint work! contact any of our sales representatives for a viewing now!STA evaluation done, depreciation $7,800 per year only,Superb Condition!HighLoan

3 owner. Low mileage. Stock engine internals. Zero leak. Perfect compression test score. Perfect chassis condition. Car inspected and checked by pro shop. One of the neatest Evo you can get with a close to showroom condition interior. Flexible financing. High loan/trade in/scrap welcome

BUY BACK $27k when COE Expires! - Depreciation only at $16k! 100% loan available with fast approval, loan, and insurance guaranteed at the lowest rate! Excellent condition, Beautifully maintained, Wear and tear fixed, Sporty/Luxury performance and handling, Experience a Spacious and Responsive drive with 318i! Precheck arrangeable, welcome trade-in, viewing by appointment only! Consignment unit.

Why are cars in Singapore so expensive?

The Excise Duty on cars in Singapore is 20% of OMV. Once the Excise Duty of 20% is added to the OMV, a further 7% GST will be levied on the total OMV and Excise Duty amount. Note that GST will increase to 8% in 2023 and 9% in 2024.

What mileage is too high for a used car?

What is considered high mileage on a car? Often, 100,000 miles is considered a cut-off point for used cars because older vehicles often start requiring more expensive and frequent maintenance when mileage exceeds 100,000.

What is OMV Singapore?

The OMV of a vehicle is basically the price paid or payable when a vehicle is imported into Singapore. This is assessed by the Singapore Customs and includes purchase price, freight, insurance and all other charges incidental to the sale and delivery of the car to Singapore.

Why is COE so high?

This is due to the government's zero-growth policy for cars, which limits the number of COE quotas issued to the number of existing COEs deregistered. As the supply of COE quotas decreases, COE prices rise in inverse proportion.

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