Only Pick One of These Buy Here Pay Here Panama City Dealerships!

It’s great to have a car to support your day-to-day-life. On the other hand, not everyone can afford to buy one. Perhaps, you don’t have the cash to buy one in one direct payment. In that case, car financing is your option to get on the road on your own vehicle. But, getting car loans from a financial institution can be difficult if you don’t have a credit or you have bad credit. The good news is, buy here pay here Panama City dealerships make it possible for those with no credit or bad credit to get a car loan and buy a car. And soon, you’ll be riding a new used car!

What to Consider When You Choose Buy Here Pay Here Dealership

Buy here pay here dealerships are car dealers who are willing to offer in-house car financing. They will help you to get the best car loans no matter how low your credit score may be. And unlike most new car dealerships, a buy here pay here dealership typically will focus on building relationships with customers. You’ll find there’s less high-pressure and hard sales-approach from the sales team.

buy here pay here Panama City

The in-house financing not only has some benefits but also has a few downsides. Aside from the overall benefits and downside, here are few other things to consider when you shop for a used car at the dealership.

  • Selection of vehicles

When you choose to use buy here pay here, one thing you should look for is the selection of used cars. What brands and models they have? Though buying a used car, you sure want to have popular models and high-quality vehicles.

Many dealerships offer a wide range of brands, such as Dodge, Chrysler, Ford, and more. They also have sedan options, as well as trucks and SUVs. Choose a car that suits you and your family.

  • Car loan approval process

The next thing you should also consider when opting for a buy here pay here dealership is the loan approval process. How do they work? Is it easy to qualify for a car loan? How do you apply for it? You could visit the lots directly to get all the questions. It’s more easily answered by the staff at the dealerships.

Most dealerships offer a fast and easy process. It may take only a few minutes to get approved. Besides, most of them have an online pre-credit approval form that you can fill out before your visit. It gives the sales staff the information to guide you in choosing a car that fits your budget. Plus, you don’t need to spend too much time at the lots.

  • Payment options

Ask dealers about payment options. In many cases, buy here pay here dealerships require you to pay the installment directly. It may take your time only to make your weekly, bi-weekly, or monthly payment by visiting the lots.

But, many buy here pay here dealerships offer other ways to make a payment, too. Some of them allow the customer to pay over the phone, through auto-pay, or mail with a money order. That’s how the dealerships work to meet their customers.

List of Buy Here Pay Here Panama City

If you’re looking for buy here pay here dealerships in Panama City, you could check our recommendation list below! In case you’re also looking for buy here pay here dealerships in other cities, check out our recommendation lists for Lake City, Florida, and Marion, Ohio.

Byrider – Panama City, FL

704 West 15th St
Panama City, FL 32401
(850) 250-2622

Are you looking for a buy here pay here Panama City dealership that’s been trusted for decades? If so, check Byrider to get you a reliable car. It’s one of America’s largest buy here pay here used car dealership and franchise systems since 1989. You’ll find wide selections of high-quality cars, trucks, and SUVs from several brands. These include Hyundai, Chevrolet, and Mazda.

Byrider offers a chance for anyone regardless of their credit history for financing a used car. The approval takes place on-site with an easy and fast process. You’ll find all their vehicles have been checked through a detailed inspection. Plus, every car has a 2-year or 24,000-mile warranty.

Byrider also offers as low as zero down payments for some buyers and bi-weekly payments for as little as 150 USD. On top of that, they report to the credit bureau, which is perfect if you want to rebuild your credit score.

Bubba Hill Auto Plaza

3302 West 23rd Street
Panama City, FL 32405
(850) 763-9005

Bubba Hill Auto Plaza offers the best selection of quality used cars, trucks, and SUVs. You’ll find cars from several brands, such as Toyota, Chrysler, Mitsubishi, and many more. They will work to get you driving a car that fits your lifestyle and budget.

Whether you have good credit, bad credit, or even no credit, they will serve you no matter what. You can schedule a time for a test drive of a car you’re interested in. Then you can apply online to get instant financing pre-approval.

Mike Hill Used Cars

3508 W 23rd St, Panama City,
FL 32405, United States

Has been operating since 1988, Mike Hill Used Cars offers a CARFAX on every vehicle for their customers’ peace of mind. When you buy a car here, you’ll get a 1000-mile or 30-day warranty at no additional charge. Many previous customers satisfied with their no credit check, buy here pay here financing.

You could do some online research from their website to check their available inventory. There is the finest inventory of late-model cars, trucks, and SUVs you could choose from. If you find a car you like, visit their lot to arrange your car financing.

Low Price Auto Inc.

3320 W 23rd St
Panama City, FL 32405
(850) 769-7988

Low Price Auto Inc. is locally owned and has been operating for more than 13 years. They strive to treat their customers best. Most of the time, they’re able to help people with any past credit issue. So, you could have your car, truck, or SUV you desire.

Open from Monday to Sunday, they have various selections of brands such as Volkswagen, GMC, Toyota, and more others. They also have a buy and trade-in program for your old car. To get approved, you just need a steady job, have stayed in Panama City for over a year, and proper down payment.

Tomi Autos LLC

Panama City, FL 32401
(850) 960-8664

Tomi Autos LLC offers a great collection of quality used cars for you to choose from. Shop the best selections of vehicles, from Cadillac, Jeep, Subaru, to Lincoln. Plus, they offer a hassle-free car buying experiences.

Their sales team will assist you in finding the right vehicle that meets your needs and budget. Whether you have no credit or poor credit, they will offer you great financing options. So, you’ll get the right vehicle at an affordable price. Besides, they have professional staff for car maintenance and repair needs.


Buy here pay here Panama City may offer the best options to get a used car. And it’s quite easy to find good buy here pay here dealerships in the city. Buy here pay here financing always comes with pros and cons. Thus, we recommend you to do some research on the best dealers.

There are several things you could consider when you opt for this financing. Choose a dealer that has various selections of vehicles in their inventory. You could also check their loan process and payment options. Once you do your home works, it will be easier to get you the best car.

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