Buy Here Pay Here in Las Vegas: What to Know Before You Sign

If your credit is rough, a "buy here pay here" lot can look like the only door that is open. Sometimes it is the right call. Often there is a better option, and it helps to know the difference before you sign.

Charlie Cheap Car has sold used cars in Las Vegas for 25 years. We are family owned and veteran owned, open seven days a week, and we work with several lenders that finance bad credit, no credit and past repos. Financing is subject to lender approval.

What "buy here pay here" means

At a buy here pay here lot, the dealer is also the lender. You buy the car there and you make your payments to that same lot, often weekly or every two weeks, sometimes in person. Because the dealer carries the loan itself, approval can be easy. That ease usually costs something somewhere else.

Questions to ask any lot before you sign

What is the interest rate (APR) and the total I will pay? Compare the total of all payments, not just the weekly amount.
Are my on-time payments reported to the credit bureaus? If they are not, a year of perfect payments does nothing to rebuild your credit.
How often are payments due, and how do I make them?
Is there a GPS tracker or a starter-interrupt device on the car?
What are the dealer fees? Ask for them in writing, before the paperwork.
Can I see a vehicle history report and take a test drive?

A good dealer answers every one of these without hesitating.

How financing works at Charlie Cheap Car

Instead of one in-house loan, we send your application to the lenders we work with that fit your situation, which gives you more than one chance at an approval. A turn-down somewhere else is usually where we do our best work.

One application. Apply online in a few minutes, or call us.
Prices you can check. Every car on our site shows the vehicle price with every dealer fee listed under it.
Real inventory. Cars, trucks, SUVs and vans, with photos, on the inventory page.

What to bring

Valid driver license or state ID
Proof of income: recent pay stubs, or bank statements if you are self-employed or drive rideshare
Proof of address, such as a utility bill or lease
Your down payment

More detail: what to bring to get approved and how much down payment you need.

Common questions

Can I get a car with bad credit or no credit in Las Vegas?

Often, yes. Bankruptcy, collections, a past repossession and no credit history are all situations our lenders see. Approval and terms depend on the lender. See bad credit car financing.

I had a repo. Can I still buy?

Many people do. Read buying a car after a repossession for what helps.

Do you take trade-ins?

Yes. See Trade Your Car.

Where to find us

5015 W Sahara Ave Ste 127, Las Vegas, NV 89146
Monday to Friday 9am–7pm, Saturday 9am–6pm, Sunday 11am–4pm. Open seven days.

Financing is subject to lender approval. Terms, rates and down payment depend on the lender and the vehicle. Advertised prices exclude dealer fees, tax, license and registration.