Buy Here Pay Here in Bedford, OH

man holding cash

Are you looking for a used car dealership on the Bedford Auto Mile with great deals and a hassle-free car-buying process? Welcome to the North Coast Auto Mall of Bedford, the home for all your automotive needs in the greater Cleveland region. 

We pride ourselves on our customer service and strive to make the buying experience one of the most enjoyable ones you’ll ever have, regardless of your credit history. We’ve spent years fine-tuning our sales program to make your car-buying experience one you’ll enjoy and recommend to family, friends, and co-workers.

If you’re interested in purchasing a reliable vehicle at a great price in a one-stop-shop environment, then you will love our Buy Here Pay Here (BHPH) financing options for drivers throughout Bedford, Ohio, and the surrounding areas.

Learn more about our BHPH financing below to see if it’s the right option for you.


BHPH, or Buy Here Pay Here, is a way of financing an auto purchase that allows customers to skip the hassle of applying for and being approved for an auto loan from a bank. Instead, the vehicle purchase is financed by the dealership itself.

Our dealership family includes hundreds of vehicles inspected for quality and reliability. In addition, we have a robust certified pre-owned vehicle program if you want the highest value, a selection of vehicles under $10,000 for those sticking to a budget, and everything in between. So chances are, we have your dream vehicle in our inventory. 

After choosing your new car, truck, or SUV, our professional finance team will find you the best loan to fit your lifestyle and budget. You won’t have to go through the tedious process of shopping for loans when you use our Buy Here, Pay Here program. Instead, our finance managers secure you a great rate with affordable monthly payments.

In addition, we handle all the paperwork. Our team can register your vehicle, get you a license plate if necessary, coordinate with your insurance carrier, and finalize your loan as part of the transaction.

The process is simple and comes with some great benefits. Our customer feedback repeatedly tells us the program works well and delivers fast results.


The benefits of BHPH financing offered by North Coast Auto Mall are:

  • Your credit history is not considered when applying for financing
  • You’ll also be able to skip the wait time associated with traditional bank loans and get a car when you need it most
  • Financing your purchase helps you build or rebuild your credit.

We make it possible to get a car loan with our BHPH financing programs. As long as you’re 18 or older and have a valid driver’s license, you can apply!

No Credit or Bad Credit Loan Approvals

Many first-time buyers with no credit history come to us because they’ve been denied a loan from another dealership. North Coast Auto Mall of Bedford understands the challenge you face without a credit history and put together a program to help.

We also see good people with bad credit because of unforeseen changes in personal or work situations. For example, you may have lost a job or suffered an injury that interfered with making on-time payments. We realize the temporary nature of situations like these and how they can negatively impact your credit.

However, we believe that everyone has the right to own a car. Your lack of credit or a bad credit score doesn’t necessarily mean you are irresponsible, so we look at your entire financial picture.

After understanding your finances, we put together a loan tailored to fit your budget. And because we have many relationships with lenders, we find very competitive rates regardless of your credit score.


We have a team of financial managers with decades of experience finding loans to suit any credit situation. Our team has developed hundreds of relationships with lenders locally and nationwide.

We reach out to these institutions to get you as many competing loan offers as possible. Then, we filter out the worst loans and present the best deals for your financial status.

At that point, you decide. You can choose a loan with a lower monthly payment, a shorter term, or a lower interest rate. It’s entirely in your hands. We’ve made the process easy with our online pre-approval loan application.

It takes a few minutes to complete, and you get your approval in seconds. Before stepping foot in the dealership, you’ll know your loan amount, interest rate, term, and monthly payments. You can shop with confidence, knowing what you can afford.

Our knowledgeable finance specialists will help you choose the right vehicle and financing option. Our specialists listen to your needs, walk you through the process of finding the right vehicle from our vast used car inventory and guide you through the financing process, whether it’s one of our Buy Here Pay Here financing options or traditional financing.

What To Do Before You Buy

Everyone bears the responsibility for due diligence before shopping for anything. This responsibility carries more weight with a purchase as important as a new car, truck, or SUV.

Therefore, we recommend you construct a budget that makes sense for you. Don’t use all your free money to cover your monthly payment. You’ll need extra to cover insurance, fuel, and maintenance, plus you’ll still want a little money left over for any unforeseen circumstances.

If you plan on trading in your car, don’t worry about the small stuff like washing, vacuuming, and detailing. Of course, a clean car looks more valuable, but our appraisers can look past these details when assessing your trade-in’s value.

Instead, ensuring you have all your repair and maintenance records is more important. A properly serviced vehicle has more value to us and the next buyer than one with a spotty maintenance record.

Even significant repairs can wait. We will adjust the amount we offer to cover the cost of those repairs. However, we don’t reduce the amount by the retail price for repairs because we can do them ourselves for less and extend those savings to you. 

Finally, if you don’t plan on trading in a car, you should plan on having a down payment. It doesn’t have to be much, but the larger your deposit, the lower your monthly payment.

A co-signer can sometimes help you overcome no credit or bad credit. In addition, a co-signer can significantly lower your interest rate, which lets you qualify for a larger loan with lower monthly payments.

Begin the Car Buying Process With Our Finance Team

Giving our customers an outstanding car-buying experience is one of our top priorities at North Coast Auto Mall of Bedford. Now that you are more informed about the car buying process, we hope this is your final stop before driving away in a new vehicle!

Ohio shoppers: we’re open for business today! If you find something that catches your eye on our site, call us to come in. Our finance team will be happy to help get the ball rolling with an easy test drive and hassle-free car buying experience.

Find High-Quality, Well Maintained Used Cars in Bedford

On top of making the financing process more accessible, we offer a great range of used cars to choose from. Our expert team of trained auto technicians has professionally maintained and repaired all our vehicles.

They use state-of-the-art tools and high-quality auto parts to ensure that once your purchase is complete, you’ll be driving away in a reliable vehicle. This gives you lots more security than you would have if you purchase a used car on the private market, where sellers may offer you vehicles that are nowhere close to the condition of our professionally maintained fleet.

North Coast Auto Mall Is the Used Dealership Bedford Trusts

At North Coast Auto Mall of Bedford, we’ve done everything we can to make the car-buying process straightforward. You can rely on us to treat you with respect, find a reliable vehicle, and give you a fair price.

Our financial resources always result in you getting the loan you deserve. If you’re ready to upgrade your Bedford drive with a reliable car, truck, or SUV, we invite you to browse our inventory online. Your dream vehicle awaits.

Our friendly expert team has served customers throughout northeast Ohio for over a decade. We believe you should still be able to choose the vehicle you want, even if you don’t have a top credit score.

We have a great range of used vehicles on our lot, from compact sports cars for leisurely driving to SUVs and minivans that will suit the whole family. Contact us today to begin the car buying process at a BHPH dealership in Bedford, Ohio.

North Coast Auto Mall of Bedford 41.39981552774312, -81.544552829223.