Buy Here Pay Here: New Jersey (NJ)

Buy Here Pay Here Car Lots in NJ
Find The Right BHPH Car Lot - Online!

How would you like to buy a car or truck despite a low credit score? It’s easier than you think!

Traditional financing companies and banking institutions, sadly, won’t grant auto loan financing to customers that have finance problems such as:

  • Adverse Credit
  • Bankruptcy
  • Foreclosures
  • Repo
  • Unpaid Repayments

The Benefits of NJ Buy Here Pay Here Car Lots

Used car lots in NJ who offer buy here pay here financing, in contrast, enable shoppers to finance pre-owned automobiles with monthly installments – in spite of their credit. These dealerships stress earnings in place of credit history. If you possess the capacity to afford the installments, they may be able to forget your credit standing. Not surprisingly, they are becoming more popular then ever with our current financial climate.

Buy here pay here financing does have its downsides. Most importantly, there are the steeply-priced interest rates. This could cost you big money if you are financing your car or truck for 5 years.

Due to this, you’ll probably decide to invest in a car through a car lot who can offer car loans to buyers with poor credit, and yet won’t cost you high car loan interest rates. Car Lots USA has combined with the leading bad credit loan companies and in house financing car dealers in New Jersey to provide the best suited financing for your credit, income, and other factors. After you fill out your finance request online, cutting-edge matchmaking software connects you with the right dealership for you. There are zero charges, no obligations, and zero hassles.

NJ Car Payments With A Low Credit Score

Below is a fairly simple breakdown of exactly how much a typical New Jersey shopper should allocate toward his or her used car or truck.

NJ Stats…


  • Income

  • Auto Budget (Annually)

  • Insurance Cost (Annual)

  • Insurance Cost (Per Month)

  • Leftover Budget (Per Month)

  • $53,853

  • $5,385

  • $750

  • $63

  • $386.25

Used Vehicles in New Jersey to Avoid

If you are purchasing a used car, there are some cars you might want to avoid. Here are the most stolen cars in New Jersey.

  • 2000 Honda Civic
  • 1994 Honda Accord
  • 2000 Dodge Caravan
  • 2000 Jeep Cherokee/Grand Cherokee
  • 1991 Toyota Camry

New Jersey Buy Here Pay Here Financing