Buy Here Pay Here St. Cloud, Minnesota | J.D. Byrider

975 Highway 10 South
St. Cloud, MN 56304
(320) 281-2640
(320) 281-2644
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Today's Store Hours

9:00 AM - 7:00 PM
8:00 AM - 5:00 PM
Monday 9:00 AM - 7:00 PM
Monday 8:00 AM - 5:00 PM
Tuesday 9:00 AM - 7:00 PM
Tuesday 8:00 AM - 5:00 PM
Wednesday 9:00 AM - 7:00 PM
Wednesday 8:00 AM - 5:00 PM
Thursday 9:00 AM - 7:00 PM
Thursday 8:00 AM - 5:00 PM
Friday 9:00 AM - 7:00 PM
Friday 8:00 AM - 5:00 PM
Saturday 9:00 AM - 4:00 PM
Saturday Closed
Sunday Closed
Sunday Closed

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Better Than a Buy Here Pay Here Experience

Get Started With the Financing Process Online!

  • Takes less than 60-seconds
  • No or bad credit is OK
  • Payments fit your budget & schedule
Start Approval Process

If you have only tried to buy from traditional dealerships in the past, you’re in for a great surprise at a buy here pay here dealership.

You may have found that it can be difficult to get financing approval from a traditional dealership. These dealerships don’t finance their customers by themselves. Instead, they turn to outside banks and financial institutions to approve their customers for an auto loan. Many times, people with bad credit or no credit at all are left struggling to find a dealership that can help them buy.

But a buy here pay here like J.D. Byrider makes it possible for everyone to buy—even people who have a rocky financial history that has left them with credit that’s not the best. At J.D. Byrider, we do our own financing. This makes it easier for us to help you get a loan that works for your budget so you can buy the car you want right away.

Get Me Approved

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36 Month / 36,000 Mile Limited Warranty *

Every vehicle undergoes a Comprehensive Inspection and thorough reconditioning. Plus, there's extra value included because we offer low prices on parts and service. Ask about warranties and extended service options.

*Other warranty or service programs may also be available and offered at select dealerships. See individual dealer for full details.

Our Buy Here Pay Here Experience

J.D. Byrider in St. Cloud helps people get financed to buy great, reliable cars every day. Not only are we an auto dealership with a large inventory of used cars, but we also finance our customers in-house.

Even if you have bad credit or no credit history at all, our fast, easy approval process can have you approved for a car loan in minutes. With affordable bi-weekly payment plans and down payments starting as low as $0*, J.D. Byrider has gained a reputation as the best place to buy a car in Minnesota.

Here are just a few of the reasons we are the go-to dealership in St. Cloud:

●       Down payments as low as $0*

●       Payments as low as $150 every two weeks**

●       On-site service department

●       A warranty or optional service contract

Stop by today to experience the J.D. Byrider difference. Our team members are looking forward to meeting with you—no matter what your credit looks like.

Shop our Inventory

We're moving vehicles daily; so please call us or request an appointment now. Don't miss your chance to get on the road today!

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Over 25 Years and 1.2 Million Customers Later

If you’re looking for a dealer you can trust, you’ve come to the right place. J.D. Byrider has been in business for over 25 years and has matched over 1.2 million people with quality used cars and affordable financing. We have more than 165 dealerships located across the United States, including this one in St. Cloud, Minnesota. With a history like this, you know you can count on us.

Over 25 years in buy here pay here

Reliable Used Cars and Honest Financing at Your Neighborhood J.D. Byrider

At J.D. Byrider, we want our customers to be happy with their car-buying experience. That’s why we do all we can to make sure to offer you a great selection of reliable vehicles. Each of our cars goes through a 92-point inspection*** and clean-title verification, so you always know you’re getting a great vehicle from J.D. Byrider.

We also offer warranties and service contract options to all our customers. Our on-site, discount service garages are exclusively for J.D. Byrider customers, so you know you always have an honest, reliable place to take care of upkeep on your car.

On top of all that, we can even help you improve your credit score when you buy from us. J.D. Byrider reports our customers’ payment activity to the major credit bureaus. This way, when you make your payments on time, you can see your credit score go up, making it easier to get financing when you need it in the future.

J.D. Byrider in St. Cloud has the car-buying difference you’ve been looking for. There’s no longer any need to worry about getting financed to buy. Our team members are looking forward to meeting with you to help you get behind the wheel of a great, affordable car today.