5 Best Buy Here Pay Here Waterloo Iowa Car Dealerships

Bad credit is one of the main reasons that stop people from buying a car even though they need it. Buy here pay here dealership is the deal! Since buy here pay here dealerships don’t use third-party lenders, there will be little to no credit check. Basically, they are the dealer and the finance company. So you don’t need to worry about having bad or no credit at all. The process is faster than traditional dealerships. You choose the loan terms that fit you best, pick your car, and take out the loan. And it’s done, you can go back home with your new car. But where to find buy here pay here Waterloo Iowa dealerships? Read on and we’ll make the search easier for you!

How to Find Buy Here Pay Here Dealers

Worry not, finding buy here pay here dealers is nothing like finding a needle in a haystack. You will easily find one along the road. They usually put up signs to show that it’s a buy here pay here dealership. And everything is on the internet! Lookup for buy here pay here dealership in Waterloo Iowa, and that is that. Make sure to do research on the company and read the customer reviews. Asking a friend who has experience in buying through a buy here pay here dealer also helps!

In case you’re looking for buy here pay here in other places, we also have reviews on those in Panama City, Florida and Cartersville, Georgia among many others!

Buy Here Pay Here Waterloo Iowa Dealerships

We listed down some of the best buy here pay here dealerships in Waterloo, Iowa. Check them out!

1. Liberty Car Company

90 Franklin St
Waterloo IA 50703
(319) 291-5220

If you are looking for a dealer with a variety of cars to choose from, Liberty Car Company might be the right one. They have Powersports, SUVs, sedans, trucks, wagon, coupe, and minivans. The price varies from as low as $800 to $24,000, depending on their age and specification. Some of them even dated back from the 2000s! But worry not, they got many good reviews on the internet! A lot of them mentioned good vehicles condition, cooperative staff, and good payment plans. They have two store branches in Iowa. Another location is at 1329 La Porte Rd, Waterloo, IA 50702.

Another thing about this company, sometimes it can be intimidating to have a salesperson pressuring you right? As a privately owned business, they have this rule to treat customers like family. They understand that customers need to feel comfortable to be able to pick the best product. And they try to create that friendly environment!

2. RPM Motor Company

408 East Mullan
Waterloo IA 50703
(319) 236-5063

RPM Motor Company specializes in used cars. They claim to be Cedar Valley’s largest buy here pay here used car store. They offer cars from several brands such as Ford, Chevrolet, and Dodge. Most, if not all, of their cars, are under $15,000. You can even get a car for as low as $6,990! There are also special offers that you can check on their website.

As one of the best buy here pay here Waterloo Iowa dealerships, they need no credit check. They also mention instant approval and low weekly or bi-weekly payments. It’s almost a guarantee that you will get that car no matter what!

3. C&S Car Company

812 Washington St
Waterloo IA 50702
(319) 281-0275

C&S Car Company is a dealer for new Hyundai, Mazda, and Subaru cars. For used cars, though, they have quite a lot of varieties. They help with financing and can arrange the best offer for you. The customers who used their service loved their hassle-free payment process. Not only good payment plans, but they also offer a tempting amount of discount that will save you a lot of money. On the website, there are more than 30 cars sold for under $6,000! Besides selling cars, they also offer services like car maintenance and accessories.

4. Reedy’s Auto Sales LLC

2009 Commercial St
Waterloo IA 50702
(319) 232-4667

Operating since 1986, Reedy’s Auto Sales is a locally owned family business in Waterloo, Iowa. Even though their website doesn’t provide many details, the long history of this dealership tells a lot. Their cars are in good condition, the staffs are friendly, and they give a reasonable price. They also offer in-house financing for the customers. A customer said on the review that there’s no credit check. For those with low and bad credit, this might be the place for you.

5. Pinnacle Auto Mart

322 W 11th St
Waterloo IA 50701
(319) 232-2210

Pinnacle Auto Mart sells used cars with a warranty. Not only do they arrange a suitable credit plan for you, but they also help to build your credit. Past customers said that their credit went up after they got a car from the company! Some of them even came with a bad to no credit. But to their surprise, they got qualified with a payment plan that fits their budget.

Variety wise, they mostly sell sedan and SUVs. It depends on the availability, but currently, the cars they have are from 2004-2014. Go to the inventory on their website and you will get detailed information about each car. You can also get estimation for your monthly payment through the website’s calculator. Choose your preferred payment plan and vehicle price. They will show you the estimated amount.


Whether you have low, bad, or no credit at all, it will be troublesome to get a car. Instead of a traditional dealership, a buy here pay here Waterloo Iowa dealership can be a great alternative. Your application definitely has a higher chance to be approved. Some of them can even help you build your credit. They also offer more flexible options for payment plans to meet your budget.

While it sounds like the best deal ever, keep in mind to get as much information about the dealer of your choice to avoid unwanted situations. Take all the risks into account, such as a high-interest rate. Read the agreement thoroughly before you sign on that paper. As long as you know what you are getting yourself into, it’s all fine!

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