Buy Here Pay Here Lots And Dealerships For Cars And Trucks In New Mexico

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New Mexico, also known as The Land of Enchantment, is a great state for driving. For everyone, whether they live in Albuquerque or Alamogordo, there are plenty of fantastic things to see and do nearby. Unfortunately, it’s a big state to cover for people without a car. Even just getting around the city and getting to work is tough with no wheels.

Getting a good deal on a car is a little tougher now that so many of the “Big Three” dealerships have closed. It can be even tougher for people with either no credit history or a few spots on their credit record. Fortunately, there are businesses ready to help just about anyone get the right vehicle for their needs, regardless of that person's credit history. Whether they need a vehicle to take that next rock climbing trip or just to get to work, chances are good that these businesses can help get a loan in place for a vehicle that suits any customer's needs.


So-called “buy-here-pay-here” car dealerships are in almost every major city in New Mexico. These dealers provide their own financing for their customers. Since they don't rely on banks for financing, credit scores aren't as important to them as they are to banks. These dealers match customers to vehicles based more on a customer’s income than on that customer's credit history. That means people can get more vehicle for their hard-earned dollars. Once the customer has the loan and the vehicle, they need only make payments regularly and on time, just as is the case with a bank loan.

While getting the right sized loan is a concern for some people, others are just worried about finding a car they like. Fortunately, finding the right vehicle is easier than getting a loan. Buy-here-pay-here dealers have a great selection of vehicles, including both new and used vehicles, and they have competitive prices. Whether the customer needs a mileage car or heavy-lifting, four-wheel drive truck, buy-here-pay-here dealers have the inventory on hand that customers need. Better yet, just as with the “Big Three” dealerships, many dealers offer warranties and some even offer service agreements.

New Mexico is a great place to drive, but it’s also a great place to find good deals on vehicles. Buy-here-pay-here dealerships offer excellent vehicle selection and good financing options, so they are the right choice for many denizens of the Land of Enchantment.


Below is a listing of buy here pay here programs at car lots and dealerships in New Mexico, that we were told, are currently accepting applications from individuals for a car or truck. Note: This list is to be used as a reference only and we cannot guarantee that you will be approved for a car or truck. Please help us keep this list up to date by emailing us at [email protected] with buy here pay here lots and dealerships in your area. Please include the state and city where they are located.

JD Byrider - Albuquerque
6008 Central Ave S.E.
Albuquerque ,NM
Phone: (505) 265-5626

Car & Truck Gallery
10625 Central NE
Albuquerque, NM 87123
(505) 332-1900

5K Car Store Inc
113 Wyoming Blvd NE
(Near Wyoming & Central)
Albuquerque, NM
(505) 260-0500

100 A Coors Blvd NW
(Coors & Central)
Albuquerque, NM
(505) 839-0502

113 Highway 550 West
(Exit 242 on I-25)
Albuquerque, NM
(505) 771-1331

Garner's Auto Sales
206 N. Dal Paso
Hobbs NM 88240
(575) 397-7147

Further information and additional lists in many U.S. States on buy here pay here lots and dealership programs can reviewed at Buy Here Pay Here Lots.

The above information was last reviewed in November 2011.