Buy Here Pay Here

Pre Paid Service Plan

Even if You Have Bad Car Credit Merchants Auto is the Solution

If you are looking for a simple way to purchase a used auto in Manchester, Merchants Auto is the solution. Merchants Auto specializes in car loans. That is, we specialize in helping customers with bad car credit get back on track in a quality used car, truck or SUV. Unlike other car loan companies, our dealership believes that if you want to buy here, we can help you pay here. Our staff is there for you every step of the way, helping you get the auto loan you need. We know that in this economy, bad things can happen to good people. We are here to help.

Most auto dealership take a look at bad car credit and give consumers a big fat ‘no’. With our Buy Here Pay Here process, we don’t just judge you on your loan application or your credit score. When it comes to used car loans in New Hampshire, It’s our job to turn ‘no’ into ‘YES!’ At Merchants Auto, we are prepared to take care of your auto loan, regardless of bad car credit because we approve people with bad car credit every week. We see many success stories as we sell thousands of used vehicles each year. Our finance department is well-trained and ready to serve. They work with all sorts of people from all walks of life and with all sorts of credit histories. It’s their job to get you into a used vehicle with less stress.


At Merchants Auto we won’t just give you a ‘thumbs down’ when we see a problem. Our staff is trained to assess each person’s unique financial situation. We can help you figure out how to make the loan process work for you. Our loan options are always favorable, and our loan advisers know many ways to help. Providing credit even to those with bad car credit in New Hampshire is what we do. It’s one of the reasons that we stay in business. We know how to sell great cars, sure, but we also know how to cut people a break.

Our hassle-free process treats every customer like a person not a number on a balance sheet. That’s why even people with bad car credit have an easier time getting used car loans with us. Merchants Auto wants to be known as the bad car credit New Hampshire loan experts.

Selling quality used cars is our passion. It is why we keep such a large inventory. You’ll find a huge range of cars and SUVs. We offer pickups and commercial vehicles. Although we have constant turnover of our large inventory, one thing is always consistent. Our inventory offers a tremendous variety including inexpensive choices to suit budget-minded consumers. That’s how we know we can find the right car for those with bad car credit in Manchester. With enough good choices, it’s always possible to find a good car for a consumer with credit worries.

When it comes to used car loans in New Hampshire, our reputation is on the line. That’s another reason we make sure to treat you right. For 17 years in a row, we have been voted the area’s number one car dealership. In New Hampshire, we were voted the Number One Used Car Dealership in 2014. Merchants Auto is proud to be recognized, and we plan to keep serving our customers whether their credit is fine or in need of repair.

Repairing credit is one reason that many car shoppers come to us. Perhaps they have heard from a friend or coworker that our process can start them on the road to financial recovery. That’s why we make every effort to look at each individual situation. If we can, we will get you into a pre-owned vehicle. We know that you rely on your car to go to work and to transport your family. We know that most people can’t make it if they don’t have reliable transportation. That’s why we work so hard to give loans to worthy customers. This can relieve transportation worries and change things for the better.

How to Shop for a Loan

In this complicated world, how can a person actually shop for a loan? That’s the problem that many consumers face, especially if they have bad car credit in Manchester. Yet there are ways to arm yourself as you step out of your shell and back into the car buying process. Consider these factors as you shop.

Shop Local

Many local businesses encourage you to shop local, but how does it benefit you? We aren’t some questionable financial entity that is only on the internet. You can find us in person at Merchants Auto. Of course, you can also find us online, but the important thing is that you can find us. We can see you. You can see us. We aren’t anonymous, and you won’t feel anonymous as a result of our dealings together. Bad credit loans are just one way that we work for our customers.

Shop Smart

Shopping for bad credit loans can be difficult. Many are stumped by difficult terminology and tempted by rates that are just come-ons from lenders who will drop the pretense once you seem interested. A lender should give you lots of information up front and we do that every day for our customers. Our loan process lets you know what you can afford. That makes the process safer and more open. If you don’t like the deal, we work with you until it’s right. Buying a car shouldn’t be confusing.

Shop Fast

One of the reasons we offer Buy Here, Pay Here is that many of our customers simply can’t wait for their new car. This isn’t impatience. It is necessity. A car in New Hampshire is essential to daily living. Without it, a person may be stranded, unable to make it to work, unable to run errands and unable to take family members to school or other essential activities. We recognize that, and our system lets you enter the dealership and buy that day, even if it involves bad car credit.

Shop Easy

Another way we make it faster for our clients is to offer pre-approval via our online application process. While you can come see or call with any questions you might have, you can also get started right there from your home or office. You just enter the information and let us do the rest. That’s part of our individualized approach. It’s easier shopping when you have been pre-approved for a loan.

The Best Rate

Another way we make it faster for our clients is to offer pre-approval via our online application process. While you can come see or call with any questions you might have, you can also get started right there from your home or office. You just enter the information and let us do the rest. That’s part of our individualized approach. It’s easier shopping when you have been pre-approved for a loan.

No Pressure

At Merchants Auto, the sales staff has been trained to help you shop without applying undue pressure. You can go through the loan process with us and turn it down. We understand that sometimes those with difficult credit histories may become afraid of a commitment. It is your decision from start to finish. Our only goal is to make it easy as possible from start to finish, confident in your new purchase.

Window Shopping

Some of our clients come to us when they are just window shopping. This is a great way to plan toward your next car. We can help you weigh your options and get you ready for a purchase. If you know what you want, but you aren’t ready to buy, you can get an idea of how prices and loan rates will affect you. Our financial advisers can give you a quick course in buying your next car, getting you ready intellectually for any challenges ahead. Why wait until you are in a rush? You can start now.

If you are looking for reliable transportation, but are worried about your bad credit, please visit Merchants Auto. Let our fine staff get you the help you need. A loan is probably in your future, and this can begin to repair your bad credit. Merchants Auto lets you ‘Buy Here Pay Here’ because we believe in our customers and the power of a second chance.


Have you had a hard time getting approved for traditional vehicle financing, but you need a car sooner than later? We understand — life doesn’t stop while you try and rebuild your credit score or build good credit from scratch. If you need a reliable used car for your daily commute or for taking the kids to school, but you’ve had trouble getting a loan, contact us about a buy here pay here loan. We can help you get behind the wheel of the car you need, and we can answer any questions you may have.

What is Buy Here Pay Here?

Buy here pay here car loans are intended for individuals who may have trouble obtaining more traditional car financing. Sometimes a buyer may get turned down for a loan because of a lack of credit history, a poor credit score, a bankruptcy in their past, or a handful of missed payments. We realize that life happens, though, and you shouldn’t be prohibited from buying the used car that you need because of a spotty financial past. After all, our goal is to help everyone in our area get a reliable car that they can count on.

You’ll receive your buy here pay here loan directly from our dealership rather than from a 3rd party vendor, and you’ll make car payments to us. BHPH loans often require that you make payments in person rather than via direct deposit, and you may even need to make payments weekly or bi-weekly rather than on a monthly basis. This is all because buyers with low credit scores are technically “higher risk,” although demonstrating a reliable income is what will qualify you for buy here pay here financing.

Can You Increase Your Credit Score?

Yes — and it isn’t always too hard to do. If you have a Chapter 9 bankruptcy in your past, you won’t have as many options for increasing your score. But if your credit dropped because of a few missed payments or some other relatively superficial reason, good habits can sometimes lead to an increased score.

Start off by keeping your credit card balance owed below 30% of your credit limit — this can have a fairly dramatic effect on your credit score, often within one or two months. Other than that, you can simply wait for a few months to apply for a loan (if possible); buy stringing together months or a year of clean financial activity, your score will increase.

Buy Here Pay Here is Better At Merchants Auto

So why should you choose our dealership over some of the other buy here pay lots in Manchester, NH? While there are plenty of incentives and reasons to shop here, it really comes down to the quality of our vehicles.

We get it — you can find a used car anywhere. You see them at dealerships everywhere, you see them on the side of the road, they sit in people’s driveways with “for sale” signs on them, and you see them online and in your social media feed. But here’s the issue; where did those used cars come from? You don’t know about their history or who drove them, and you can’t always trust the word of the individuals selling them.

At Merchants Auto, we carefully inspect every used car on our lot for wear, tear, and structural damage. We give you the vehicle’s history, and if there are any issues with the car, we either won’t sell it or we dramatically adjust the price accordingly.

You can also trust our buy here pay here car dealers because of the experience and expertise at our dealership. Our team is knowledgeable and thoughtful, and you won’t find better advice on getting a buy here pay here loan. We want to help you find the right car, and by extension, we want to find an affordable loan to make it happen.

Searching for “Buy Here Pay Here Near Me”?

You can get a reliable buy here pay here loan in Manchester, Concord, Bow, and the surrounding area — we’re just a short drive away from everyone in the area, and our convenient location right off of Route 3 makes us more accessible than ever. When you arrive, you’ll be greeted by our friendly team, and if you are having vehicle services done, you can enjoy our comfortable waiting area while your car is being service. If you have any questions about our location or how to get to us, check out the map on our website or give us a call! We’d love to hear from you.

We want to make it as easy as possible for you to get the car you need, and BHPH loans are just one part of that. If there’s anything we can do to help you out, please don’t hesitate to let us know.